| Quarterly Efficiency Ratios |
| Report Date | Assets < $ 1 Billion | Assets > $ 1 Billion | Total |
|---|---|---|---|
| March 31, 2004 | 65.18% | 56.24% | 57.45% |
| June 30, 2004 | 64.72% | 57.63% | 58.57% |
| September 30, 2004 | 63.50% | 56.61% | 57.55% |
| December 31, 2004 | 65.61% | 57.69% | 58.73% |
| March 31, 2005 | 64.46% | 55.46% | 56.62% |
| June 30, 2005 | 63.48% | 57.29% | 58.09% |
| September 30, 2005 | 63.19% | 55.07% | 56.12% |
| December 31, 2005 | 63.73% | 57.31% | 58.17% |
| March 31, 2006 | 64.73% | 55.84% | 56.95% |
| June 30, 2006 | 63.40% | 54.96% | 56.01% |
| September 30, 2006 | 63.94% | 55.36% | 56.42% |
| December 31, 2006 | 66.79% | 56.03% | 57.43% |
| March 31, 2007 | 66.74% | 56.33% | 57.56% |