Efficiency Ratio Over Time
Efficiency Ratio Halifax National Bank All Insured Commercial Banks in Pennsylvania
12-31-2008 93.711 74.624
09-30-2008 55.835 73.365
06-30-2008 52.391 73.786
03-31-2008 42.586 75.604
12-31-2007 71.095 74.842
09-30-2007 69.288 71.87
06-30-2007 69.289 72.601
03-31-2007 70.267 73.073
12-31-2006 71.264 70.09
09-30-2006 68.445 68.901
06-30-2006 69.849 69.155
03-31-2006 72.747 68.841
12-31-2005 72.148 67.883
09-30-2005 65.057 66.821
06-30-2005 63.272 66.613
03-31-2005 60.922 66.251
12-31-2004 51.172 66.128
09-30-2004 50.059 66.722
06-30-2004 47.838 65.473
03-31-2004 43.897 65.291
12-31-2003 47.715 64.445
09-30-2003 45.51 63.915
06-30-2003 47.065 63.137
03-31-2003 44.415 63.284
12-31-2002 47.688 63.037