Efficiency Ratio Over Time
Efficiency Ratio First National Bank, Valparaiso All Insured Commercial Banks in Indiana
03-31-2008 82.674 68.265
12-31-2007 84.032 68.016
09-30-2007 89.473 67.321
06-30-2007 80.283 67.406
03-31-2007 73.995 67.338
12-31-2006 75.724 66.523
09-30-2006 78.293 65.695
06-30-2006 75.695 65.656
03-31-2006 73.913 66.077
12-31-2005 81.149 65.617
09-30-2005 83.021 65.596
06-30-2005 82.281 65.579
03-31-2005 78.025 66.006
12-31-2004 59.226 65.999
09-30-2004 58.381 65.242
06-30-2004 57.871 65.757
03-31-2004 58.27 66.1
12-31-2003 52.91 63.889
09-30-2003 53.912 62.988
06-30-2003 52.662 62.52
03-31-2003 52.04 62.69
12-31-2002 54.665 61.138