Efficiency Ratio Over Time
Efficiency Ratio Northland Community Bank All Insured Commercial Banks in Minnesota
06-30-2005 71.306 62.651
03-31-2005 67.607 62.926
12-31-2004 66.213 63.335
09-30-2004 69.494 61.98
06-30-2004 71.228 62.61
03-31-2004 78.827 63.48
12-31-2003 72.697 63.289
09-30-2003 70.843 61.468
06-30-2003 69.031 61.298
03-31-2003 69.155 62.209
12-31-2002 64.583 61.807