Efficiency Ratio Over Time
Efficiency Ratio Heritage Community Bank All Insured Commercial Banks in New Jersey
12-31-2013 81.131 78.964
09-30-2013 82.288 77.051
06-30-2013 78.04 77.376
03-31-2013 88.972 76.545
12-31-2012 74.384 76.85
09-30-2012 69.234 75.822
06-30-2012 68.519 75.688
03-31-2012 69.302 73.827
12-31-2011 69.398 75.066
09-30-2011 69.532 74.154
06-30-2011 72.615 74.597
03-31-2011 74.765 74.854
12-31-2010 77.966 75.764
09-30-2010 83.174 76.636
06-30-2010 87.048 78.822
03-31-2010 91.388 78.575
12-31-2009 117.317 92.373
09-30-2009 122.171 96.313
06-30-2009 136.726 103.931
03-31-2009 134.851 103.792
12-31-2008 155.409 106.805
09-30-2008 153.637 101.217
06-30-2008 153.327 93.732
03-31-2008 150.992 89.248
12-31-2007 134.143 90.936
09-30-2007 135.964 86.235
06-30-2007 139.784 86.859
03-31-2007 138.585 82.448
12-31-2006 268.958 80.57
09-30-2006 360.741 80.45
06-30-2006 602.632 81.332
03-31-2006 8000 84.139
12-31-2005 73.281
09-30-2005 67.202
06-30-2005 65.906
03-31-2005 66.772
12-31-2004 67.556
09-30-2004 67.43
06-30-2004 68.24
03-31-2004 68.983
12-31-2003 70.163
09-30-2003 70.632
06-30-2003 69.756
03-31-2003 70.823
12-31-2002 71.543