Efficiency Ratio Over Time
Efficiency Ratio Southern Heritage Bank All Insured Commercial Banks in Georgia
06-30-2004 59.873 64.229
03-31-2004 57.582 64.639
12-31-2003 61.905 65.562
09-30-2003 62.663 64.676
06-30-2003 63.283 64.537
03-31-2003 63.393 65.157
12-31-2002 65.46 64.609