Efficiency Ratio Over Time
Efficiency Ratio Joy State Bank All Insured Commercial Banks in Illinois
12-31-2016 77.605 67.9
09-30-2016 78.328 67.646
06-30-2016 77.763 68.093
03-31-2016 81.062 69.015
12-31-2015 74.576 69.227
09-30-2015 75.551 68.548
06-30-2015 76.317 68.972
03-31-2015 77.641 69.878
12-31-2014 73.915 69.969
09-30-2014 76.647 69.35
06-30-2014 77.37 70.075
03-31-2014 82.282 70.96
12-31-2013 67.268 70.63
09-30-2013 64.628 70.13
06-30-2013 63.322 70.351
03-31-2013 66.31 71.443
12-31-2012 67.215 70.063
09-30-2012 66.325 68.769
06-30-2012 65.269 68.792
03-31-2012 64.063 68.884
12-31-2011 62.005 69.941
09-30-2011 60.648 68.923
06-30-2011 59.027 69.854
03-31-2011 60.004 70.062
12-31-2010 61.379 70.567
09-30-2010 61.567 69.213
06-30-2010 62.234 69.682
03-31-2010 63.545 71.112
12-31-2009 62.972 73.38
09-30-2009 63.146 71.202
06-30-2009 63.604 72.036
03-31-2009 60.825 69.904
12-31-2008 59.675 69.748
09-30-2008 58.036 68.193
06-30-2008 60.747 68.561
03-31-2008 61.018 69.396
12-31-2007 60.909 68.284
09-30-2007 59.33 67.285
06-30-2007 58.827 67.545
03-31-2007 63.338 68.287
12-31-2006 59.218 66.265
09-30-2006 57.054 65.369
06-30-2006 57.331 65.236
03-31-2006 59.888 65.409
12-31-2005 63.075 64.049
09-30-2005 57.387 63.135
06-30-2005 57.729 63.051
03-31-2005 56.677 63.149
12-31-2004 56.935 63.383
09-30-2004 55.187 62.952
06-30-2004 55.21 63.147
03-31-2004 55.904 63.481
12-31-2003 58.964 63.697
09-30-2003 59.852 62.506
06-30-2003 61.287 62.464
03-31-2003 62.188 62.651
12-31-2002 60.279 62.349