Efficiency Ratio Over Time
Efficiency Ratio First Heritage Bank All Insured Commercial Banks in Pennsylvania
03-31-2004 47.893 65.291
12-31-2003 44.09 64.445
09-30-2003 44.689 63.915
06-30-2003 45.543 63.137
03-31-2003 48.06 63.284
12-31-2002 46.446 63.037