Efficiency Ratio Over Time
Efficiency Ratio Herald National Bank All Insured Commercial Banks in New York
12-31-2012 97.461 67.537
09-30-2012 100.728 67.164
06-30-2012 114.78 67.4
03-31-2012 122.727 67.13
12-31-2011 96.305 67.021
09-30-2011 97.168 66.906
06-30-2011 96.634 67.339
03-31-2011 95.324 69.754
12-31-2010 106.505 69.848
09-30-2010 112.281 69.47
06-30-2010 122.749 71.396
03-31-2010 127.714 70.773
12-31-2009 420.003 76.908
09-30-2009 689.467 77.51
06-30-2009 1231.086 81.925
03-31-2009 2480.968 80.38
12-31-2008 5248.06 85.057
09-30-2008 78.459
06-30-2008 83.721
03-31-2008 80.346
12-31-2007 77.578
09-30-2007 71.372
06-30-2007 70.25
03-31-2007 71.659
12-31-2006 72.454
09-30-2006 69.831
06-30-2006 70.423
03-31-2006 74.075
12-31-2005 68.173
09-30-2005 65.988
06-30-2005 66.561
03-31-2005 66.443
12-31-2004 66.688
09-30-2004 66.369
06-30-2004 67.073
03-31-2004 67.469
12-31-2003 66.544
09-30-2003 66.043
06-30-2003 65.608
03-31-2003 66.329
12-31-2002 68.29