Efficiency Ratio Over Time
Efficiency Ratio Bay National Bank All Insured Commercial Banks in Maryland
06-30-2010 151.136 76.508
03-31-2010 142.369 74.453
12-31-2009 139.898 81.462
09-30-2009 120.298 83.788
06-30-2009 118.35 87.493
03-31-2009 115.063 85.072
12-31-2008 111.111 78.412
09-30-2008 105.031 76.225
06-30-2008 103.249 79.425
03-31-2008 93.458 74.589
12-31-2007 67.82 72.092
09-30-2007 66.855 69.78
06-30-2007 65.221 66.598
03-31-2007 65.385 67.486
12-31-2006 61.944 64.324
09-30-2006 60.64 62.96
06-30-2006 61.192 63.355
03-31-2006 61.022 65.04
12-31-2005 64.564 63.038
09-30-2005 66.807 63.109
06-30-2005 71.124 62.947
03-31-2005 74.078 63.513
12-31-2004 76.026 66.675
09-30-2004 79.159 65.184
06-30-2004 82.059 63.468
03-31-2004 85.447 63.796
12-31-2003 90.49 63.855
09-30-2003 92.901 62.07
06-30-2003 96.415 61.781
03-31-2003 104.113 62.014
12-31-2002 121.65 63.249