Efficiency Ratio Over Time
Efficiency Ratio Happy State Bank All Insured Commercial Banks in Texas
12-31-2016 64.647 66.762
09-30-2016 64.611 66.187
06-30-2016 64.871 66.286
03-31-2016 65.443 66.484
12-31-2015 66.05 67.473
09-30-2015 66.74 67.019
06-30-2015 66.567 67.62
03-31-2015 67.551 68.379
12-31-2014 68.635 67.933
09-30-2014 69.422 67.76
06-30-2014 67.634 68.348
03-31-2014 70.666 69.161
12-31-2013 72.26 70.01
09-30-2013 74.936 69.448
06-30-2013 77.035 70.111
03-31-2013 77.626 71.168
12-31-2012 77.198 70.289
09-30-2012 76.923 69.365
06-30-2012 77.164 69.7
03-31-2012 76.85 69.836
12-31-2011 70.086 71.203
09-30-2011 70.149 70.717
06-30-2011 70.743 71.672
03-31-2011 70.727 72.166
12-31-2010 69.598 72.798
09-30-2010 70.317 71.344
06-30-2010 71.537 71.672
03-31-2010 71.539 72.124
12-31-2009 71.178 72.899
09-30-2009 69.955 71.928
06-30-2009 70.376 72.628
03-31-2009 68.839 71.399
12-31-2008 70.908 70.933
09-30-2008 71.28 69.839
06-30-2008 68.23 70.152
03-31-2008 67.598 69.753
12-31-2007 71.985 68.047
09-30-2007 72.637 66.762
06-30-2007 75.848 66.933
03-31-2007 75.619 66.629
12-31-2006 67.33 66.288
09-30-2006 67.17 64.993
06-30-2006 69.719 65.249
03-31-2006 70.894 65.978
12-31-2005 75.788 67.153
09-30-2005 79.608 66.756
06-30-2005 82.844 67.031
03-31-2005 86.085 67.486
12-31-2004 78.672 69.184
09-30-2004 82.129 68.305
06-30-2004 83.934 68.807
03-31-2004 86.815 69.055
12-31-2003 79.19 69.41
09-30-2003 78.348 68.526
06-30-2003 78.849 68.452
03-31-2003 80.544 68.632
12-31-2002 73.722 67.534