Efficiency Ratio Over Time
Efficiency Ratio Heartland State Bank All Insured Commercial Banks in North Dakota
12-31-2016 72.655 62.572
09-30-2016 73.058 60.614
06-30-2016 74.83 61.362
03-31-2016 72.072 61.642
12-31-2015 70.665 61.49
09-30-2015 72.14 60.55
06-30-2015 72.59 60.898
03-31-2015 74.124 61.32
12-31-2014 71.414 62.719
09-30-2014 73.245 60.821
06-30-2014 75.955 62.229
03-31-2014 78.538 62.608
12-31-2013 73.757 63.49
09-30-2013 75.396 61.19
06-30-2013 75.903 62.097
03-31-2013 75.425 62.579
12-31-2012 74.011 61.774
09-30-2012 73.541 60.028
06-30-2012 73.582 61.095
03-31-2012 73.249 62.166
12-31-2011 70.829 64.152
09-30-2011 72.13 63.087
06-30-2011 76.403 65.158
03-31-2011 79.384 65.856
12-31-2010 66.08 65.909
09-30-2010 67.95 64.318
06-30-2010 67.712 64.919
03-31-2010 66.236 65.712
12-31-2009 62.309 68.096
09-30-2009 63.903 65.599
06-30-2009 65.058 66.129
03-31-2009 62.404 64.588
12-31-2008 62.13 64.809
09-30-2008 61.234 63.307
06-30-2008 61.646 64.303
03-31-2008 64.284 64.307
12-31-2007 65.805 64.597
09-30-2007 67.566 61.739
06-30-2007 68.157 62.317
03-31-2007 71.189 63.011
12-31-2006 70.764 62.734
09-30-2006 71.943 60.219
06-30-2006 67.847 60.601
03-31-2006 68.308 61.186
12-31-2005 65.416 61.995
09-30-2005 65.05 59.492
06-30-2005 65.884 60.209
03-31-2005 65.995 61.251
12-31-2004 64.794 62.918
09-30-2004 64.485 60.195
06-30-2004 64.021 61.039
03-31-2004 65.721 62.132
12-31-2003 65.52 63.617
09-30-2003 66.063 61.234
06-30-2003 67.924 61.536
03-31-2003 70.879 62.56
12-31-2002 65.487 62.331