Efficiency Ratio Over Time
Efficiency Ratio First State Bank All Insured Commercial Banks in Michigan
12-31-2016 71.573 71.925
09-30-2016 70.532 72.284
06-30-2016 70.328 72.703
03-31-2016 71.792 74.111
12-31-2015 74.836 73.902
09-30-2015 74.476 72.796
06-30-2015 77.635 73.108
03-31-2015 75.727 74.364
12-31-2014 71.84 75.309
09-30-2014 72.007 75.334
06-30-2014 72.681 75.605
03-31-2014 77.38 76.846
12-31-2013 71.998 74.841
09-30-2013 72.205 73.806
06-30-2013 71.738 73.811
03-31-2013 71.802 73.988
12-31-2012 70.506 71.723
09-30-2012 70.146 71.614
06-30-2012 74.927 71.839
03-31-2012 77.851 72.697
12-31-2011 75.336 73.486
09-30-2011 80.701 73.637
06-30-2011 82.014 74.221
03-31-2011 81.998 75.166
12-31-2010 68.631 74.379
09-30-2010 79.702 74.86
06-30-2010 79.058 75.739
03-31-2010 83.473 76.883
12-31-2009 76.902 82.058
09-30-2009 81.054 81.121
06-30-2009 84.267 82.109
03-31-2009 89.142 80.184
12-31-2008 97.599 80.181
09-30-2008 79.934 75.465
06-30-2008 82.883 75.619
03-31-2008 84.802 76.097
12-31-2007 77.014 72.221
09-30-2007 78.265 70.635
06-30-2007 75.607 69.92
03-31-2007 75.34 70.315
12-31-2006 73.999 66.877
09-30-2006 74.577 65.716
06-30-2006 73.792 66.171
03-31-2006 73.168 66.982
12-31-2005 69.179 64.078
09-30-2005 68.985 64.016
06-30-2005 70.431 63.808
03-31-2005 71.742 64.541
12-31-2004 62.784 64.329
09-30-2004 61.626 64.747
06-30-2004 60.534 65.538
03-31-2004 61.097 66.274
12-31-2003 65.238 63.66
09-30-2003 64.872 62.955
06-30-2003 63.863 63.034
03-31-2003 64.144 63.233
12-31-2002 62.842 62.526