Efficiency Ratio Over Time
Efficiency Ratio Heritage State Bank All Insured Commercial Banks in Illinois
12-31-2016 63.576 67.9
09-30-2016 53.09 67.646
06-30-2016 47.591 68.093
03-31-2016 49.333 69.015
12-31-2015 61.648 69.227
09-30-2015 53.317 68.548
06-30-2015 54.606 68.972
03-31-2015 58.043 69.878
12-31-2014 60.334 69.969
09-30-2014 52.859 69.35
06-30-2014 53.253 70.075
03-31-2014 56.113 70.96
12-31-2013 58.358 70.63
09-30-2013 52.63 70.13
06-30-2013 52.107 70.351
03-31-2013 53.01 71.443
12-31-2012 55.819 70.063
09-30-2012 49.355 68.769
06-30-2012 50.489 68.792
03-31-2012 52.467 68.884
12-31-2011 54.962 69.941
09-30-2011 49.22 68.923
06-30-2011 49.326 69.854
03-31-2011 50.515 70.062
12-31-2010 51.748 70.567
09-30-2010 46.981 69.213
06-30-2010 47.338 69.682
03-31-2010 45.669 71.112
12-31-2009 57.604 73.38
09-30-2009 51.685 71.202
06-30-2009 53.142 72.036
03-31-2009 52.391 69.904
12-31-2008 56.981 69.748
09-30-2008 52.659 68.193
06-30-2008 52.65 68.561
03-31-2008 53.349 69.396
12-31-2007 60.152 68.284
09-30-2007 58.226 67.285
06-30-2007 59.01 67.545
03-31-2007 58.355 68.287
12-31-2006 50.994 66.265
09-30-2006 49.475 65.369
06-30-2006 47.818 65.236
03-31-2006 46.832 65.409
12-31-2005 46.753 64.049
09-30-2005 50.468 63.135
06-30-2005 54.907 63.051
03-31-2005 54.309 63.149
12-31-2004 46.923 63.383
09-30-2004 52.757 62.952
06-30-2004 51.652 63.147
03-31-2004 50.066 63.481
12-31-2003 49.506 63.697
09-30-2003 48.748 62.506
06-30-2003 48.278 62.464
03-31-2003 48.468 62.651
12-31-2002 49.443 62.349