Efficiency Ratio Over Time
Efficiency Ratio Heritage Community Bank All Insured Commercial Banks in Indiana
12-31-2004 87.792 65.999
09-30-2004 84.678 65.242
06-30-2004 80.98 65.757
03-31-2004 76.883 66.1
12-31-2003 53.556 63.889
09-30-2003 64.682 62.988
06-30-2003 60.983 62.52
03-31-2003 59.21 62.69
12-31-2002 53.391 61.138