Efficiency Ratio Over Time
Efficiency Ratio Highlands State Bank All Insured Commercial Banks in New Jersey
12-31-2016 73.174 74.417
09-30-2016 73.03 75.092
06-30-2016 72.964 76.58
03-31-2016 74.231 77.142
12-31-2015 75.769 77.878
09-30-2015 75.919 77.461
06-30-2015 76.363 77.844
03-31-2015 78.765 77.466
12-31-2014 83.005 81.231
09-30-2014 80.933 80.725
06-30-2014 81.839 79.986
03-31-2014 82.626 78.922
12-31-2013 79.622 78.964
09-30-2013 81.359 77.051
06-30-2013 84.106 77.376
03-31-2013 83.308 76.545
12-31-2012 74.66 76.85
09-30-2012 78.348 75.822
06-30-2012 81.18 75.688
03-31-2012 84.084 73.827
12-31-2011 79.305 75.066
09-30-2011 79.124 74.154
06-30-2011 83.59 74.597
03-31-2011 85.428 74.854
12-31-2010 83.983 75.764
09-30-2010 82.757 76.636
06-30-2010 82.199 78.822
03-31-2010 82.345 78.575
12-31-2009 102.402 92.373
09-30-2009 107.386 96.313
06-30-2009 111.799 103.931
03-31-2009 112.02 103.792
12-31-2008 122.815 106.805
09-30-2008 119.819 101.217
06-30-2008 122.078 93.732
03-31-2008 129.461 89.248
12-31-2007 148.47 90.936
09-30-2007 155.948 86.235
06-30-2007 171.167 86.859
03-31-2007 178.947 82.448
12-31-2006 218.994 80.57
09-30-2006 220.635 80.45
06-30-2006 234.615 81.332
03-31-2006 262.069 84.139
12-31-2005 459.028 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