Efficiency Ratio Over Time
Efficiency Ratio Home Savings Bank All Insured Savings Banks in North Carolina
12-31-2004 65.871 74.256
09-30-2004 65.539 72.257
06-30-2004 65.081 73.182
03-31-2004 71.387 75.303
12-31-2003 61.894 70.232
09-30-2003 60.201 68.725
06-30-2003 57.507 68.221
03-31-2003 63.165 68.734
12-31-2002 59.257 67.743