Efficiency Ratio Over Time
Efficiency Ratio Spirit Of America National Bank All Insured Commercial Banks in Ohio
09-30-2009 18.71 72.186
06-30-2009 19.46 73.271
03-31-2009 24.125 72.558
12-31-2008 15.316 71.653
09-30-2008 15.961 70.619
06-30-2008 16.401 70.185
03-31-2008 20.066 70.777
12-31-2007 13.655 70.094
09-30-2007 18.098 70.057
06-30-2007 17.618 70.151
03-31-2007 21.792 71.158
12-31-2006 17.199 67.901
09-30-2006 18.569 67.691
06-30-2006 18.111 67.58
03-31-2006 25.355 68.21
12-31-2005 16.994 66.127
09-30-2005 15.769 65.774
06-30-2005 15.344 66.08
03-31-2005 13.9 66.852
12-31-2004 24.798 65.604
09-30-2004 28.148 64.558
06-30-2004 28.205 64.778
03-31-2004 33.426 65.45
12-31-2003 17.814 64.066
09-30-2003 17.829 63.194
06-30-2003 15.287 63.247
03-31-2003 21.028 64.269
12-31-2002 12.794 63.1