Efficiency Ratio Over Time
Efficiency Ratio Spencer Savings Bank All Insured Savings Banks in Massachusetts
12-31-2016 76.114 77.098
09-30-2016 73.714 77.297
06-30-2016 75.878 78.59
03-31-2016 80.139 79.584
12-31-2015 79.933 79.378
09-30-2015 79.885 79.531
06-30-2015 81.285 80.074
03-31-2015 84.57 80.461
12-31-2014 80.478 80.704
09-30-2014 79.629 80.584
06-30-2014 81.054 81.021
03-31-2014 81.504 81.895
12-31-2013 82.245 80.194
09-30-2013 82.253 80.207
06-30-2013 81.887 80.05
03-31-2013 78.838 79.443
12-31-2012 74.674 77.442
09-30-2012 70.369 77.213
06-30-2012 72.044 77.957
03-31-2012 71.294 78.062
12-31-2011 78.301 78.699
09-30-2011 75.964 79.047
06-30-2011 74.847 79.861
03-31-2011 68.215 80.018
12-31-2010 74.084 75.963
09-30-2010 73.258 75.416
06-30-2010 68.484 75.969
03-31-2010 67.281 76.305
12-31-2009 82.097 80.242
09-30-2009 84.774 80.999
06-30-2009 81.91 82.014
03-31-2009 78.111 81.524
12-31-2008 72.199 80.752
09-30-2008 71.109 81.266
06-30-2008 65.93 82.888
03-31-2008 64.009 84.734
12-31-2007 67.135 82.628
09-30-2007 65.589 82.205
06-30-2007 64.845 82.132
03-31-2007 68.981 82.446
12-31-2006 62.898 78.404
09-30-2006 62.669 77.374
06-30-2006 63.117 77.339
03-31-2006 66.139 76.706
12-31-2005 67.878 73.373
09-30-2005 66.895 72.587
06-30-2005 67.184 72.698
03-31-2005 65.557 72.8
12-31-2004 70.945 73.091
09-30-2004 69.216 72.798
06-30-2004 69.444 72.643
03-31-2004 69.711 72.407
12-31-2003 63.246 69.769
09-30-2003 60.082 68.698
06-30-2003 58.518 68.186
03-31-2003 58.945 67.955
12-31-2002 61.199 66.262