Efficiency Ratio Over Time
Efficiency Ratio Heritage Bank All Insured Commercial Banks in Virginia
12-31-2015 68.184 73.115
09-30-2015 70.682 72.582
06-30-2015 73.146 72.892
03-31-2015 74.482 73.075
12-31-2014 64.46 72.894
09-30-2014 63.942 72.86
06-30-2014 69.753 73.892
03-31-2014 73.472 73.799
12-31-2013 64.601 74.134
09-30-2013 64.72 74.081
06-30-2013 66.405 73.673
03-31-2013 71.378 74.238
12-31-2012 69.723 74.326
09-30-2012 68.95 74.638
06-30-2012 67.585 74.273
03-31-2012 66.641 73.428
12-31-2011 68.108 73.91
09-30-2011 69.066 74.056
06-30-2011 69.255 75.918
03-31-2011 69.021 75.801
12-31-2010 74.748 74.128
09-30-2010 75.127 73.27
06-30-2010 79.011 74.768
03-31-2010 85.445 75.576
12-31-2009 79.423 83.617
09-30-2009 82.964 82.693
06-30-2009 83.655 84.982
03-31-2009 83.881 80.855
12-31-2008 86.302 80.337
09-30-2008 89.901 79.793
06-30-2008 89.369 79.253
03-31-2008 94.054 79.735
12-31-2007 84.585 75.779
09-30-2007 83.556 73.367
06-30-2007 88.726 71.152
03-31-2007 89.557 71.522
12-31-2006 90.643 70.382
09-30-2006 90.258 66.252
06-30-2006 91.839 66.809
03-31-2006 98.381 66.465
12-31-2005 79.907 66.06
09-30-2005 72.61 64.247
06-30-2005 66.933 64.679
03-31-2005 55.677 65.369
12-31-2004 59.659 65.278
09-30-2004 58.005 64.991
06-30-2004 58.696 65.483
03-31-2004 61.222 65.972
12-31-2003 59.547 64.911
09-30-2003 59.195 64.352
06-30-2003 59.841 63.374
03-31-2003 60.529 62.719
12-31-2002 62.369 63.6