Efficiency Ratio Over Time
Efficiency Ratio Spivey State Bank All Insured Commercial Banks in Georgia
12-31-2014 71.066 76.672
09-30-2014 73.651 76.559
06-30-2014 72.819 76.671
03-31-2014 72.678 77.567
12-31-2013 73.519 78.98
09-30-2013 76.277 77.731
06-30-2013 75.745 77.662
03-31-2013 78.329 78.695
12-31-2012 68.787 81.634
09-30-2012 67.696 80.308
06-30-2012 67.719 79.256
03-31-2012 69.452 77.503
12-31-2011 69.84 86.295
09-30-2011 72.023 84.186
06-30-2011 72.883 84.663
03-31-2011 73.668 85.152
12-31-2010 78.753 93.824
09-30-2010 82.678 90.833
06-30-2010 82.086 90.425
03-31-2010 83.264 88.401
12-31-2009 142.291 105.063
09-30-2009 74.062 102.285
06-30-2009 78.458 106.774
03-31-2009 72.573 99.343
12-31-2008 64.181 92.806
09-30-2008 64.517 84.879
06-30-2008 64.185 82.103
03-31-2008 62.837 76.842
12-31-2007 58.585 66.184
09-30-2007 58.369 63.793
06-30-2007 58.739 63.216
03-31-2007 63.295 63.468
12-31-2006 53.399 63.007
09-30-2006 51.544 61.317
06-30-2006 50.708 61.045
03-31-2006 55.106 60.367
12-31-2005 55.098 62.186
09-30-2005 54.334 61.255
06-30-2005 54.38 61.571
03-31-2005 54.444 62.33
12-31-2004 59.867 64.32
09-30-2004 58.725 64.404
06-30-2004 60.419 64.229
03-31-2004 60.421 64.639
12-31-2003 63.366 65.562
09-30-2003 61.816 64.676
06-30-2003 61.296 64.537
03-31-2003 61.37 65.157
12-31-2002 60.352 64.609