Efficiency Ratio Over Time
Efficiency Ratio Headwaters State Bank All Insured Commercial Banks in Wisconsin
12-31-2016 60.622 64.939
09-30-2016 60.273 64.656
06-30-2016 62.684 65.251
03-31-2016 61.507 65.852
12-31-2015 59.492 66.084
09-30-2015 61.423 65.949
06-30-2015 63.032 66.094
03-31-2015 61.265 66.366
12-31-2014 60.792 67.525
09-30-2014 62.369 66.819
06-30-2014 62.08 66.964
03-31-2014 66.486 68.07
12-31-2013 60.438 66.522
09-30-2013 60.062 65.234
06-30-2013 57.843 65.197
03-31-2013 62.573 65.81
12-31-2012 55.104 65.187
09-30-2012 55.601 64.719
06-30-2012 58.22 65.124
03-31-2012 61.222 65.271
12-31-2011 53.925 66.565
09-30-2011 55.094 66.255
06-30-2011 54.858 66.836
03-31-2011 58.787 67.209
12-31-2010 53.852 66.144
09-30-2010 54.905 65.524
06-30-2010 56.369 66.142
03-31-2010 63.027 66.001
12-31-2009 57.132 67.651
09-30-2009 55.097 66.793
06-30-2009 56.516 66.893
03-31-2009 59.358 65.209
12-31-2008 54.989 64.967
09-30-2008 54.782 64.696
06-30-2008 52.384 64.696
03-31-2008 55.758 64.301
12-31-2007 60.074 63.325
09-30-2007 59.491 63.202
06-30-2007 63.5 63.378
03-31-2007 65.29 64.367
12-31-2006 60.829 61.731
09-30-2006 60.533 61.747
06-30-2006 61.24 61.945
03-31-2006 64.706 62.779
12-31-2005 57.583 60.069
09-30-2005 56.025 59.352
06-30-2005 54.419 59.38
03-31-2005 55.591 59.752
12-31-2004 55.13 60.098
09-30-2004 54.016 59.832
06-30-2004 55.416 60.146
03-31-2004 52.8 60.922
12-31-2003 51.721 58.682
09-30-2003 46.755 57.501
06-30-2003 44.915 57.293
03-31-2003 46.334 57.665
12-31-2002 49.215 57.451