Efficiency Ratio Over Time
Efficiency Ratio Second National Bank All Insured Commercial Banks in Ohio
06-30-2008 45.39 70.185
03-31-2008 46.282 70.777
12-31-2007 51.28 70.094
09-30-2007 51.23 70.057
06-30-2007 52.218 70.151
03-31-2007 55.143 71.158
12-31-2006 51.228 67.901
09-30-2006 52.666 67.691
06-30-2006 52.098 67.58
03-31-2006 52.331 68.21
12-31-2005 47.029 66.127
09-30-2005 47.432 65.774
06-30-2005 47.817 66.08
03-31-2005 50.002 66.852
12-31-2004 42.372 65.604
09-30-2004 42.294 64.558
06-30-2004 42.98 64.778
03-31-2004 46.599 65.45
12-31-2003 42.088 64.066
09-30-2003 41.854 63.194
06-30-2003 41.092 63.247
03-31-2003 42.379 64.269
12-31-2002 45.914 63.1