Efficiency Ratio Over Time
Efficiency Ratio Heartland National Bank All Insured Commercial Banks in Florida
12-31-2016 63.08 74.427
09-30-2016 64.741 75.699
06-30-2016 65.614 76.002
03-31-2016 66.74 77.048
12-31-2015 70.109 77.577
09-30-2015 73.23 77.974
06-30-2015 78.41 78.721
03-31-2015 85.888 79.548
12-31-2014 72.47 80.753
09-30-2014 74.006 80.571
06-30-2014 78.372 81.131
03-31-2014 89.036 82.634
12-31-2013 76.18 83.791
09-30-2013 75.644 82.956
06-30-2013 79.818 84.335
03-31-2013 88.624 84.598
12-31-2012 80.543 85.241
09-30-2012 82.59 85.637
06-30-2012 84.02 85.353
03-31-2012 90.287 86.454
12-31-2011 74.813 90.676
09-30-2011 70.355 88.743
06-30-2011 69.274 90.569
03-31-2011 72.483 93.024
12-31-2010 68.231 98.354
09-30-2010 65.519 95.931
06-30-2010 65.058 96.875
03-31-2010 62.705 96.665
12-31-2009 72.173 110.017
09-30-2009 69.664 109.217
06-30-2009 72.649 110.145
03-31-2009 68.8 106.117
12-31-2008 54.632 106.869
09-30-2008 54.674 99.7
06-30-2008 54.569 97.665
03-31-2008 54.238 96.573
12-31-2007 49.768 89.035
09-30-2007 48.631 83.443
06-30-2007 48.375 79.425
03-31-2007 49.549 76.61
12-31-2006 47.117 74.435
09-30-2006 46.779 70.062
06-30-2006 47.211 68.269
03-31-2006 48.006 68.681
12-31-2005 50.916 70.265
09-30-2005 52.509 70.33
06-30-2005 53.85 68.755
03-31-2005 53.987 69.25
12-31-2004 62.107 72.022
09-30-2004 65.474 70.445
06-30-2004 68.669 71.231
03-31-2004 71.42 71.697
12-31-2003 68.349 73.427
09-30-2003 67.166 72.963
06-30-2003 67.812 72.602
03-31-2003 67.508 73.441
12-31-2002 77.197 73.418