Efficiency Ratio Over Time
Efficiency Ratio Ontario National Bank All Insured Commercial Banks in New York
09-30-2006 79.582 69.831
06-30-2006 74.427 70.423
03-31-2006 74.513 74.075
12-31-2005 72.669 68.173
09-30-2005 71.081 65.988
06-30-2005 69.645 66.561
03-31-2005 68.463 66.443
12-31-2004 78.118 66.688
09-30-2004 77.731 66.369
06-30-2004 79.754 67.073
03-31-2004 80.716 67.469
12-31-2003 70.159 66.544
09-30-2003 68.112 66.043
06-30-2003 69.078 65.608
03-31-2003 69.783 66.329
12-31-2002 67.714 68.29