Efficiency Ratio Over Time
Efficiency Ratio F&M Bank All Insured Commercial Banks in Tennessee
12-31-2016 78.739 69.386
09-30-2016 78.259 69.074
06-30-2016 80.589 69.175
03-31-2016 84.995 69.772
12-31-2015 87.43 71.67
09-30-2015 79.715 71.393
06-30-2015 80.536 71.347
03-31-2015 81.289 71.604
12-31-2014 78.209 71.978
09-30-2014 78.795 71.431
06-30-2014 79.102 72.281
03-31-2014 82.294 72.859
12-31-2013 79.637 72.831
09-30-2013 78.425 71.947
06-30-2013 76.64 72.339
03-31-2013 76.052 73.06
12-31-2012 71.366 72.788
09-30-2012 71.502 72.3
06-30-2012 71.034 72.159
03-31-2012 71.475 70.962
12-31-2011 73.808 74.565
09-30-2011 73.63 73.347
06-30-2011 76.587 74.593
03-31-2011 77.289 74.44
12-31-2010 76.184 74.786
09-30-2010 78.216 73.288
06-30-2010 76.185 73.208
03-31-2010 80.28 74.142
12-31-2009 84.326 78.956
09-30-2009 86.877 78.914
06-30-2009 86.408 79.484
03-31-2009 85.234 76.46
12-31-2008 87.429 76.123
09-30-2008 79.272 73.333
06-30-2008 82.933 73.064
03-31-2008 84.977 73.535
12-31-2007 72.032 71.353
09-30-2007 70.306 70.14
06-30-2007 69.847 70.181
03-31-2007 72.558 69.593
12-31-2006 67.725 69.255
09-30-2006 65.242 67.968
06-30-2006 66.813 68.089
03-31-2006 67.414 68.881
12-31-2005 64.13 68.603
09-30-2005 63.462 67.371
06-30-2005 63.848 67.28
03-31-2005 65.144 67.669
12-31-2004 71.63 67.909
09-30-2004 70.692 67.78
06-30-2004 71.057 67.917
03-31-2004 72.84 67.404
12-31-2003 75.666 67.065
09-30-2003 75.514 66.477
06-30-2003 72.572 67.007
03-31-2003 73.444 67.319
12-31-2002 72.027 65.163