Efficiency Ratio Over Time
Efficiency Ratio Cardinal State Bank All Insured Commercial Banks in North Carolina
12-31-2007 104.793 78.875
09-30-2007 95.343 73.569
06-30-2007 93.324 72.15
03-31-2007 97.245 72.267
12-31-2006 80.948 76.95
09-30-2006 78.824 77.366
06-30-2006 77.513 74.294
03-31-2006 80.695 74.11
12-31-2005 81.658 68.439
09-30-2005 81.793 67.785
06-30-2005 81.472 68.405
03-31-2005 80.984 69.415
12-31-2004 84.554 78.781
09-30-2004 86.497 72.005
06-30-2004 90.535 71.326
03-31-2004 95.213 71.095
12-31-2003 127.235 70.657
09-30-2003 137.355 70.143
06-30-2003 154.416 69.896
03-31-2003 174.779 69.023
12-31-2002 268.779 69.096