Efficiency Ratio Over Time
Efficiency Ratio Heritage Bank National Association All Insured Commercial Banks in Minnesota
12-31-2016 79.759 68.21
09-30-2016 75.618 67.82
06-30-2016 75.064 68.266
03-31-2016 75.193 68.539
12-31-2015 77.192 69.087
09-30-2015 78.941 68.091
06-30-2015 80.125 68.731
03-31-2015 79.808 69.546
12-31-2014 78.846 70.192
09-30-2014 79.05 69.414
06-30-2014 81.988 70.483
03-31-2014 81.769 71.207
12-31-2013 77.205 71.481
09-30-2013 73.269 70.407
06-30-2013 75.338 71.234
03-31-2013 76.752 71.404
12-31-2012 72.219 72.052
09-30-2012 71.259 70.937
06-30-2012 72.473 71.427
03-31-2012 69.153 71.189
12-31-2011 67.217 73.09
09-30-2011 70.948 71.985
06-30-2011 69.591 73.14
03-31-2011 72.717 73.338
12-31-2010 62.8 74.588
09-30-2010 62.971 72.773
06-30-2010 69.779 73.112
03-31-2010 68.191 73.078
12-31-2009 76.378 74.829
09-30-2009 75.386 73.299
06-30-2009 76.245 73.728
03-31-2009 81.161 72.218
12-31-2008 68.52 70.751
09-30-2008 66.057 69.076
06-30-2008 62.011 68.994
03-31-2008 65.937 69.012
12-31-2007 57.755 67.104
09-30-2007 58.324 65.982
06-30-2007 60.507 66.544
03-31-2007 59.341 66.538
12-31-2006 60.462 64.583
09-30-2006 62.836 63.158
06-30-2006 63.17 63.582
03-31-2006 61.6 64.084
12-31-2005 62.579 63.714
09-30-2005 63.398 62.201
06-30-2005 62.726 62.651
03-31-2005 63.407 62.926
12-31-2004 62.111 63.335
09-30-2004 64.954 61.98
06-30-2004 66.459 62.61
03-31-2004 62.004 63.48
12-31-2003 56.257 63.289
09-30-2003 55.547 61.468
06-30-2003 54.094 61.298
03-31-2003 58.38 62.209
12-31-2002 58.994 61.807