Efficiency Ratio Over Time
Efficiency Ratio Northern Michigan Bank & Trust All Insured Commercial Banks in Michigan
12-31-2016 70.083 71.925
09-30-2016 68.483 72.284
06-30-2016 68.806 72.703
03-31-2016 70.887 74.111
12-31-2015 77.982 73.902
09-30-2015 78.037 72.796
06-30-2015 78.934 73.108
03-31-2015 79.628 74.364
12-31-2014 83.724 75.309
09-30-2014 81.269 75.334
06-30-2014 83.274 75.605
03-31-2014 85.787 76.846
12-31-2013 81.939 74.841
09-30-2013 77.263 73.806
06-30-2013 76.206 73.811
03-31-2013 76.97 73.988
12-31-2012 72.638 71.723
09-30-2012 70.378 71.614
06-30-2012 70.462 71.839
03-31-2012 72.727 72.697
12-31-2011 73.006 73.486
09-30-2011 70.499 73.637
06-30-2011 71.66 74.221
03-31-2011 73.188 75.166
12-31-2010 74.069 74.379
09-30-2010 72.529 74.86
06-30-2010 74.07 75.739
03-31-2010 75.546 76.883
12-31-2009 77.691 82.058
09-30-2009 77.717 81.121
06-30-2009 76.223 82.109
03-31-2009 75.749 80.184
12-31-2008 76.853 80.181
09-30-2008 79.874 75.465
06-30-2008 80.843 75.619
03-31-2008 82.779 76.097
12-31-2007 75.588 72.221
09-30-2007 76.314 70.635
06-30-2007 77.505 69.92
03-31-2007 80.358 70.315
12-31-2006 76.296 66.877
09-30-2006 76.714 65.716
06-30-2006 78.941 66.171
03-31-2006 81.853 66.982
12-31-2005 75.751 64.078
09-30-2005 75.835 64.016
06-30-2005 77.397 63.808
03-31-2005 79.382 64.541
12-31-2004 72.457 64.329
09-30-2004 73.361 64.747
06-30-2004 76.73 65.538
03-31-2004 78.298 66.274
12-31-2003 66.173 63.66
09-30-2003 65.365 62.955
06-30-2003 63.893 63.034
03-31-2003 65.673 63.233
12-31-2002 65.563 62.526