Efficiency Ratio Over Time
Efficiency Ratio Howard Bank All Insured Commercial Banks in Maryland
12-31-2016 77.277 72.114
09-30-2016 76.721 73.594
06-30-2016 78.199 73.317
03-31-2016 83.093 75.18
12-31-2015 89.217 74.307
09-30-2015 90.052 73.798
06-30-2015 82.601 75.101
03-31-2015 84.481 75.696
12-31-2014 52.361 74.405
09-30-2014 75.309 74.964
06-30-2014 80.983 75.813
03-31-2014 87.629 75.763
12-31-2013 74.985 75.617
09-30-2013 74.171 74.858
06-30-2013 71.593 75.097
03-31-2013 69.626 76.025
12-31-2012 73.967 76.313
09-30-2012 73.022 74.919
06-30-2012 73.736 74.943
03-31-2012 73.836 73.762
12-31-2011 70.361 76.477
09-30-2011 74.104 75.062
06-30-2011 75.974 75.897
03-31-2011 74.901 76.908
12-31-2010 69.591 75.301
09-30-2010 69.194 73.898
06-30-2010 69.057 76.508
03-31-2010 70.196 74.453
12-31-2009 94.634 81.462
09-30-2009 82.826 83.788
06-30-2009 85.615 87.493
03-31-2009 89.257 85.072
12-31-2008 76.138 78.412
09-30-2008 76.495 76.225
06-30-2008 76.932 79.425
03-31-2008 80.961 74.589
12-31-2007 92.501 72.092
09-30-2007 99.91 69.78
06-30-2007 90.859 66.598
03-31-2007 96.7 67.486
12-31-2006 102.078 64.324
09-30-2006 103.223 62.96
06-30-2006 109.871 63.355
03-31-2006 118.602 65.04
12-31-2005 187.26 63.038
09-30-2005 229.507 63.109
06-30-2005 276.324 62.947
03-31-2005 356.539 63.513
12-31-2004 1140.625 66.675
09-30-2004 1356.977 65.184
06-30-2004 63.468
03-31-2004 63.796
12-31-2003 63.855
09-30-2003 62.07
06-30-2003 61.781
03-31-2003 62.014
12-31-2002 63.249