Efficiency Ratio Over Time
Efficiency Ratio Hardware State Bank All Insured Commercial Banks in Illinois
12-31-2016 85.587 67.9
09-30-2016 88.729 67.646
06-30-2016 92.144 68.093
03-31-2016 92.917 69.015
12-31-2015 96.99 69.227
09-30-2015 100.015 68.548
06-30-2015 99.239 68.972
03-31-2015 104.822 69.878
12-31-2014 96.322 69.969
09-30-2014 99.308 69.35
06-30-2014 96.883 70.075
03-31-2014 94.774 70.96
12-31-2013 92.028 70.63
09-30-2013 90.745 70.13
06-30-2013 90.902 70.351
03-31-2013 95.479 71.443
12-31-2012 91.416 70.063
09-30-2012 90.264 68.769
06-30-2012 90.196 68.792
03-31-2012 87.975 68.884
12-31-2011 89.209 69.941
09-30-2011 89.936 68.923
06-30-2011 94.02 69.854
03-31-2011 97.591 70.062
12-31-2010 82.765 70.567
09-30-2010 81.192 69.213
06-30-2010 77.68 69.682
03-31-2010 76.495 71.112
12-31-2009 77.191 73.38
09-30-2009 78.865 71.202
06-30-2009 82.634 72.036
03-31-2009 81.043 69.904
12-31-2008 73.727 69.748
09-30-2008 74.173 68.193
06-30-2008 70.695 68.561
03-31-2008 67.511 69.396
12-31-2007 71.234 68.284
09-30-2007 72.999 67.285
06-30-2007 73.935 67.545
03-31-2007 72.992 68.287
12-31-2006 73.658 66.265
09-30-2006 74.741 65.369
06-30-2006 74.851 65.236
03-31-2006 74.284 65.409
12-31-2005 70.654 64.049
09-30-2005 70.829 63.135
06-30-2005 70.519 63.051
03-31-2005 69.345 63.149
12-31-2004 73.458 63.383
09-30-2004 72.707 62.952
06-30-2004 74.093 63.147
03-31-2004 73.911 63.481
12-31-2003 74.212 63.697
09-30-2003 72.953 62.506
06-30-2003 70.175 62.464
03-31-2003 68.862 62.651
12-31-2002 64.748 62.349