Efficiency Ratio Over Time
Efficiency Ratio Heritage Bank All Insured Commercial Banks in Colorado
12-31-2006 93.609 63.647
09-30-2006 96.954 63.001
06-30-2006 82.552 62.908
03-31-2006 85.071 64.167
12-31-2005 85.589 63.693
09-30-2005 83.665 63.406
06-30-2005 82.291 64.009
03-31-2005 81.088 65.032
12-31-2004 78.139 65.877
09-30-2004 77.366 64.595
06-30-2004 78.763 65.354
03-31-2004 77.412 66.554
12-31-2003 79.024 65.768
09-30-2003 78.298 64.912
06-30-2003 76.734 64.05
03-31-2003 76.827 64.207
12-31-2002 76.952 63.982