Efficiency Ratio Over Time
Efficiency Ratio Heritage Oaks Bank All Insured Commercial Banks in California
12-31-2016 63.857 64.937
09-30-2016 64.931 66.092
06-30-2016 65.712 67.144
03-31-2016 64.765 68.254
12-31-2015 64.503 68.735
09-30-2015 63.498 69.456
06-30-2015 62.7 70.381
03-31-2015 62.854 71.861
12-31-2014 77.272 72.553
09-30-2014 83.418 72.41
06-30-2014 90.469 73.547
03-31-2014 117.481 75.136
12-31-2013 68.294 74.39
09-30-2013 68.456 74.229
06-30-2013 69.935 74.916
03-31-2013 76.283 75.692
12-31-2012 66.145 74.083
09-30-2012 65.605 74.121
06-30-2012 66.694 75.117
03-31-2012 65.206 75.972
12-31-2011 70.55 76.681
09-30-2011 71.981 76.538
06-30-2011 73.768 77.016
03-31-2011 75.196 76.962
12-31-2010 77.168 79.38
09-30-2010 72.01 79.416
06-30-2010 70.183 80.72
03-31-2010 74.941 82.516
12-31-2009 73.843 89.03
09-30-2009 75.889 89.748
06-30-2009 66.655 94.314
03-31-2009 64.803 95.606
12-31-2008 65.061 89.236
09-30-2008 65.35 85.939
06-30-2008 66.843 85.896
03-31-2008 69.774 85.386
12-31-2007 64.21 83.041
09-30-2007 63.867 79.26
06-30-2007 63.431 78.029
03-31-2007 65.064 76.688
12-31-2006 62.344 80.037
09-30-2006 61.058 76.157
06-30-2006 60.596 70.367
03-31-2006 60.741 69.95
12-31-2005 58.972 74.917
09-30-2005 59.466 71.155
06-30-2005 60.34 70.343
03-31-2005 61.257 68.656
12-31-2004 65.862 71.614
09-30-2004 66.179 71.664
06-30-2004 67.133 72.622
03-31-2004 66.194 74.921
12-31-2003 63.564 78.394
09-30-2003 63.553 69.685
06-30-2003 63.902 70.304
03-31-2003 65.127 69.597
12-31-2002 66.034 70.571