Efficiency Ratio Over Time
Efficiency Ratio Community State Bank All Insured Commercial Banks in Michigan
09-30-2016 76.12 72.284
06-30-2016 77.214 72.703
03-31-2016 80.645 74.111
12-31-2015 86.154 73.902
09-30-2015 89.385 72.796
06-30-2015 88.046 73.108
03-31-2015 89.286 74.364
12-31-2014 88.937 75.309
09-30-2014 86.798 75.334
06-30-2014 85.351 75.605
03-31-2014 85.896 76.846
12-31-2013 79.069 74.841
09-30-2013 76.459 73.806
06-30-2013 75.372 73.811
03-31-2013 72.861 73.988
12-31-2012 72.713 71.723
09-30-2012 71.23 71.614
06-30-2012 67.281 71.839
03-31-2012 69.888 72.697
12-31-2011 74.747 73.486
09-30-2011 76.077 73.637
06-30-2011 79.871 74.221
03-31-2011 84.635 75.166
12-31-2010 83.634 74.379
09-30-2010 83.219 74.86
06-30-2010 86.502 75.739
03-31-2010 90.261 76.883
12-31-2009 78.477 82.058
09-30-2009 78.569 81.121
06-30-2009 81.527 82.109
03-31-2009 83.488 80.184
12-31-2008 84.326 80.181
09-30-2008 81.259 75.465
06-30-2008 82.135 75.619
03-31-2008 82.811 76.097
12-31-2007 74.517 72.221
09-30-2007 75.963 70.635
06-30-2007 75.613 69.92
03-31-2007 72.475 70.315
12-31-2006 75.593 66.877
09-30-2006 73.366 65.716
06-30-2006 73.8 66.171
03-31-2006 71.761 66.982
12-31-2005 74.742 64.078
09-30-2005 72.989 64.016
06-30-2005 76.959 63.808
03-31-2005 78.491 64.541
12-31-2004 72.641 64.329
09-30-2004 71.232 64.747
06-30-2004 70.755 65.538
03-31-2004 70.391 66.274
12-31-2003 67.808 63.66
09-30-2003 64.328 62.955
06-30-2003 60.542 63.034
03-31-2003 63.882 63.233
12-31-2002 63.521 62.526