Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in West Virginia
12-31-2015 71.82 71.972
09-30-2015 68.96 70.437
06-30-2015 67.95 70.691
03-31-2015 69.639 70.516
12-31-2014 74.173 70.44
09-30-2014 77.062 69.378
06-30-2014 77.637 69.824
03-31-2014 81.351 70.581
12-31-2013 81.315 69.873
09-30-2013 77.605 68.722
06-30-2013 79.757 68.925
03-31-2013 77.972 69.812
12-31-2012 79.288 68.015
09-30-2012 79.04 67.577
06-30-2012 83.238 67.597
03-31-2012 90.476 68.204
12-31-2011 66.28 67.746
09-30-2011 67.59 67.424
06-30-2011 68.012 68.39
03-31-2011 67.519 67.691
12-31-2010 67.361 66.469
09-30-2010 69.74 65.757
06-30-2010 73.158 65.966
03-31-2010 69.615 66.636
12-31-2009 61.774 67.718
09-30-2009 61.71 67.281
06-30-2009 62.733 68.204
03-31-2009 61.218 67.42
12-31-2008 54.41 64.283
09-30-2008 53.345 63.713
06-30-2008 54.578 64.07
03-31-2008 56.517 65.15
12-31-2007 51.881 64.076
09-30-2007 53.209 63.001
06-30-2007 53.314 64.25
03-31-2007 52.372 64.429
12-31-2006 51.133 63.741
09-30-2006 50.582 63.331
06-30-2006 51.196 63.261
03-31-2006 49.987 63.793
12-31-2005 51.042 63.924
09-30-2005 51.833 63.522
06-30-2005 54.321 63.568
03-31-2005 55.449 64.004
12-31-2004 56.547 64.145
09-30-2004 57.722 63.368
06-30-2004 59.299 63.507
03-31-2004 60.328 63.566
12-31-2003 60.678 64.837
09-30-2003 59.743 63.903
06-30-2003 61.606 65.106
03-31-2003 62.995 65.004
12-31-2002 63.963 63.986