Efficiency Ratio Over Time
Efficiency Ratio Northwood Savings Bank All Insured Savings Banks in Pennsylvania
09-30-2005 79.137 68.285
06-30-2005 75.532 67.614
03-31-2005 73.913 66.946
12-31-2004 77.165 67.647
09-30-2004 80.919 67.272
06-30-2004 77.528 67.796
03-31-2004 80.899 67.57
12-31-2003 75.429 66.794
09-30-2003 74.161 66.671
06-30-2003 70.37 64.92
03-31-2003 80.233 65.415
12-31-2002 70.637 64.259