Efficiency Ratio Over Time
Efficiency Ratio Northstar Bank All Insured Commercial Banks in Washington
12-31-2005 47.606 69.754
09-30-2005 49.047 68.233
06-30-2005 50.116 69.806
03-31-2005 51.259 69.147
12-31-2004 52.58 68.196
09-30-2004 52.313 68.04
06-30-2004 51.406 69.093
03-31-2004 48.061 69.721
12-31-2003 53.967 69.779
09-30-2003 56.473 69.287
06-30-2003 60.475 71.259
03-31-2003 62.572 71.921
12-31-2002 60.645 74.045