Efficiency Ratio Over Time
Efficiency Ratio Heritage Community Bank All Insured Commercial Banks in Georgia
12-31-2005 53.489 62.186
09-30-2005 56.736 61.255
06-30-2005 55.851 61.571
03-31-2005 55.538 62.33
12-31-2004 50.361 64.32
09-30-2004 50.679 64.404
06-30-2004 50.459 64.229
03-31-2004 50.702 64.639
12-31-2003 48.051 65.562
09-30-2003 49.016 64.676
06-30-2003 49.101 64.537
03-31-2003 48.682 65.157
12-31-2002 50.623 64.609