Efficiency Ratio Over Time
Efficiency Ratio Charlevoix State Bank All Insured Commercial Banks in Michigan
12-31-2016 66.8 71.925
09-30-2016 66.309 72.284
06-30-2016 66.436 72.703
03-31-2016 68.118 74.111
12-31-2015 70.345 73.902
09-30-2015 69.167 72.796
06-30-2015 68.556 73.108
03-31-2015 71.256 74.364
12-31-2014 72.169 75.309
09-30-2014 74.293 75.334
06-30-2014 76.222 75.605
03-31-2014 81.992 76.846
12-31-2013 69.475 74.841
09-30-2013 69.277 73.806
06-30-2013 68.453 73.811
03-31-2013 69.616 73.988
12-31-2012 65.081 71.723
09-30-2012 66.503 71.614
06-30-2012 62.402 71.839
03-31-2012 63.837 72.697
12-31-2011 70.669 73.486
09-30-2011 71.212 73.637
06-30-2011 70.496 74.221
03-31-2011 71.188 75.166
12-31-2010 70.823 74.379
09-30-2010 74.298 74.86
06-30-2010 73.078 75.739
03-31-2010 72.496 76.883
12-31-2009 73.07 82.058
09-30-2009 74.82 81.121
06-30-2009 76.564 82.109
03-31-2009 71.142 80.184
12-31-2008 69.083 80.181
09-30-2008 67.826 75.465
06-30-2008 66.492 75.619
03-31-2008 66.572 76.097
12-31-2007 67.1 72.221
09-30-2007 67.029 70.635
06-30-2007 70.07 69.92
03-31-2007 70.329 70.315
12-31-2006 64.943 66.877
09-30-2006 64.143 65.716
06-30-2006 62.592 66.171
03-31-2006 61.898 66.982
12-31-2005 60.956 64.078
09-30-2005 61.039 64.016
06-30-2005 62.158 63.808
03-31-2005 61.832 64.541
12-31-2004 59.909 64.329
09-30-2004 58.134 64.747
06-30-2004 56.875 65.538
03-31-2004 57.374 66.274
12-31-2003 57.151 63.66
09-30-2003 53.609 62.955
06-30-2003 51.083 63.034
03-31-2003 50.28 63.233
12-31-2002 59.518 62.526