Efficiency Ratio Over Time
Efficiency Ratio Hillsdale County National Bank All Insured Commercial Banks in Michigan
12-31-2016 70.607 71.925
09-30-2016 69.329 72.284
06-30-2016 69.96 72.703
03-31-2016 69.944 74.111
12-31-2015 68.784 73.902
09-30-2015 67.819 72.796
06-30-2015 68.98 73.108
03-31-2015 69.419 74.364
12-31-2014 70.972 75.309
09-30-2014 70.684 75.334
06-30-2014 70.825 75.605
03-31-2014 71.123 76.846
12-31-2013 70.438 74.841
09-30-2013 69.424 73.806
06-30-2013 69.136 73.811
03-31-2013 69.006 73.988
12-31-2012 69.16 71.723
09-30-2012 67.968 71.614
06-30-2012 66.993 71.839
03-31-2012 64.861 72.697
12-31-2011 65.541 73.486
09-30-2011 65.416 73.637
06-30-2011 65.305 74.221
03-31-2011 65.084 75.166
12-31-2010 67.515 74.379
09-30-2010 68.066 74.86
06-30-2010 67.838 75.739
03-31-2010 67.821 76.883
12-31-2009 70.709 82.058
09-30-2009 70.803 81.121
06-30-2009 69.489 82.109
03-31-2009 69.591 80.184
12-31-2008 69.464 80.181
09-30-2008 69.53 75.465
06-30-2008 71.389 75.619
03-31-2008 70.765 76.097
12-31-2007 70.053 72.221
09-30-2007 70.106 70.635
06-30-2007 69.682 69.92
03-31-2007 69.51 70.315
12-31-2006 70.541 66.877
09-30-2006 71.006 65.716
06-30-2006 71.347 66.171
03-31-2006 72.097 66.982
12-31-2005 72.266 64.078
09-30-2005 73.83 64.016
06-30-2005 74.492 63.808
03-31-2005 72.91 64.541
12-31-2004 73.711 64.329
09-30-2004 74.285 64.747
06-30-2004 76.526 65.538
03-31-2004 77.323 66.274
12-31-2003 67.928 63.66
09-30-2003 66.715 62.955
06-30-2003 65.5 63.034
03-31-2003 63.579 63.233
12-31-2002 63.955 62.526