Efficiency Ratio Over Time
Efficiency Ratio Harvard State Bank All Insured Commercial Banks in Nebraska
03-31-2010 74.165 66.749
12-31-2009 69.905 68.001
09-30-2009 67.522 66.481
06-30-2009 73.836 67.973
03-31-2009 70.975 66.661
12-31-2008 88.346 66.437
09-30-2008 64.493 64.25
06-30-2008 67.7 65.23
03-31-2008 59.755 65.824
12-31-2007 66.775 65.801
09-30-2007 62.807 63.468
06-30-2007 65.95 63.995
03-31-2007 63.04 64.671
12-31-2006 71.543 65.52
09-30-2006 58.955 63.305
06-30-2006 60.792 63.409
03-31-2006 54.801 63.58
12-31-2005 67.283 63.82
09-30-2005 56.244 61.488
06-30-2005 59.33 61.839
03-31-2005 54.281 62.17
12-31-2004 71.179 63.815
09-30-2004 60.48 61.22
06-30-2004 62.277 61.591
03-31-2004 59.089 61.665
12-31-2003 71.051 63.167
09-30-2003 63.221 60.898
06-30-2003 69.707 61.895
03-31-2003 54.75 61.914
12-31-2002 68.62 62.153