Efficiency Ratio Over Time
Efficiency Ratio Chittenden Trust Company
12-31-2007 52.845
09-30-2007 52.507
06-30-2007 53.584
03-31-2007 55.025
12-31-2006 50.912
09-30-2006 51.425
06-30-2006 52.376
03-31-2006 53.143
12-31-2005 50.985
09-30-2005 51.192
06-30-2005 51.369
03-31-2005 53.153
12-31-2004 56.425
09-30-2004 57.967
06-30-2004 58.192
03-31-2004 60.921
12-31-2003 60.647
09-30-2003 54.083
06-30-2003 57.169
03-31-2003 48.888
12-31-2002 58.964