Efficiency Ratio Over Time
Efficiency Ratio Southern Michigan Bank & Trust All Insured Commercial Banks in Michigan
12-31-2016 67.531 71.925
09-30-2016 67.214 72.284
06-30-2016 67.088 72.703
03-31-2016 65.359 74.111
12-31-2015 67.382 73.902
09-30-2015 65.805 72.796
06-30-2015 66.274 73.108
03-31-2015 69.551 74.364
12-31-2014 69.573 75.309
09-30-2014 69.519 75.334
06-30-2014 69.927 75.605
03-31-2014 71.806 76.846
12-31-2013 69.845 74.841
09-30-2013 69.516 73.806
06-30-2013 70.507 73.811
03-31-2013 71.171 73.988
12-31-2012 67.692 71.723
09-30-2012 67.97 71.614
06-30-2012 68.389 71.839
03-31-2012 70.33 72.697
12-31-2011 72.734 73.486
09-30-2011 73.188 73.637
06-30-2011 74.605 74.221
03-31-2011 77.346 75.166
12-31-2010 75.163 74.379
09-30-2010 76.09 74.86
06-30-2010 78.593 75.739
03-31-2010 78.956 76.883
12-31-2009 78.459 82.058
09-30-2009 77.963 81.121
06-30-2009 79.522 82.109
03-31-2009 81.344 80.184
12-31-2008 71.413 80.181
09-30-2008 69.037 75.465
06-30-2008 67.939 75.619
03-31-2008 65.992 76.097
12-31-2007 64.321 72.221
09-30-2007 64.536 70.635
06-30-2007 64.997 69.92
03-31-2007 64.656 70.315
12-31-2006 65.563 66.877
09-30-2006 66.252 65.716
06-30-2006 68.335 66.171
03-31-2006 69.841 66.982
12-31-2005 65.354 64.078
09-30-2005 63.952 64.016
06-30-2005 65.033 63.808
03-31-2005 67.588 64.541
12-31-2004 68.382 64.329
09-30-2004 68.753 64.747
06-30-2004 68.479 65.538
03-31-2004 70.434 66.274
12-31-2003 69.339 63.66
09-30-2003 68.252 62.955
06-30-2003 68.172 63.034
03-31-2003 68.851 63.233
12-31-2002 73.781 62.526