Efficiency Ratio Over Time
Efficiency Ratio Heritage Co-Operative Bank All Insured Savings Banks in Massachusetts
12-31-2005 95.713 73.373
09-30-2005 65.414 72.587
06-30-2005 63.033 72.698
03-31-2005 66.688 72.8
12-31-2004 64.306 73.091
09-30-2004 63.194 72.798
06-30-2004 61.676 72.643
03-31-2004 63.174 72.407
12-31-2003 56.699 69.769
09-30-2003 63.042 68.698
06-30-2003 59.53 68.186
03-31-2003 58.526 67.955
12-31-2002 58.611 66.262