Efficiency Ratio Over Time
Efficiency Ratio First Heritage Bank, N.A. All Insured Commercial Banks in California
06-30-2008 143.8 85.896
03-31-2008 110.435 85.386
12-31-2007 64.469 83.041
09-30-2007 64.033 79.26
06-30-2007 68.048 78.029
03-31-2007 65.719 76.688
12-31-2006 96.674 80.037
09-30-2006 125.174 76.157
06-30-2006 136.722 70.367
03-31-2006 149.648 69.95
12-31-2005 218.32 74.917
09-30-2005 220.527 71.155
06-30-2005 222.111 70.343
03-31-2005 234.164 68.656
12-31-2004 71.614
09-30-2004 71.664
06-30-2004 72.622
03-31-2004 74.921
12-31-2003 78.394
09-30-2003 69.685
06-30-2003 70.304
03-31-2003 69.597
12-31-2002 70.571