Efficiency Ratio Over Time
Efficiency Ratio Heritagebank All Insured Commercial Banks in Montana
12-31-2006 60.32 58.044
09-30-2006 59.646 57.318
06-30-2006 59.591 57.671
03-31-2006 62.013 59.411
12-31-2005 60.104 59.07
09-30-2005 60.026 58.107
06-30-2005 61.493 58.855
03-31-2005 62.737 58.97
12-31-2004 61.688 60.019
09-30-2004 61.347 58.948
06-30-2004 61.093 59.793
03-31-2004 60.788 61.25
12-31-2003 60.557 61.736
09-30-2003 58.925 60.828
06-30-2003 56.489 61.17
03-31-2003 57.654 61.712
12-31-2002 60.308 61.511