Efficiency Ratio Over Time
Efficiency Ratio Heritage Community Bank All Insured Commercial Banks in Illinois
12-31-2008 105.21 69.748
09-30-2008 96.29 68.193
06-30-2008 83.259 68.561
03-31-2008 76.053 69.396
12-31-2007 49.93 68.284
09-30-2007 48.057 67.285
06-30-2007 46.795 67.545
03-31-2007 48.67 68.287
12-31-2006 44.284 66.265
09-30-2006 44.302 65.369
06-30-2006 44.473 65.236
03-31-2006 48.596 65.409
12-31-2005 48.875 64.049
09-30-2005 50.564 63.135
06-30-2005 52.215 63.051
03-31-2005 53.608 63.149
12-31-2004 61.793 63.383
09-30-2004 64.316 62.952
06-30-2004 64.421 63.147
03-31-2004 66.855 63.481
12-31-2003 63.211 63.697
09-30-2003 61.647 62.506
06-30-2003 60.069 62.464
03-31-2003 61.115 62.651
12-31-2002 64.198 62.349