Efficiency Ratio Over Time
Efficiency Ratio Greenpoint Bank All Insured Savings Banks in New York
12-31-2004 44.655 64.696
09-30-2004 46.989 65.084
06-30-2004 40.647 64.915
03-31-2004 40.944 64.837
12-31-2003 38.942 64.774
09-30-2003 39.011 62.46
06-30-2003 37.068 61.819
03-31-2003 37.107 60.994
12-31-2002 35.095 62.443