Efficiency Ratio Over Time
Efficiency Ratio St. Joseph Capital Bank All Insured Commercial Banks in Indiana
12-31-2006 65.198 66.523
09-30-2006 63.688 65.695
06-30-2006 63.396 65.656
03-31-2006 66.42 66.077
12-31-2005 54.311 65.617
09-30-2005 54.96 65.596
06-30-2005 54.892 65.579
03-31-2005 53.752 66.006
12-31-2004 56.24 65.999
09-30-2004 57.444 65.242
06-30-2004 59.419 65.757
03-31-2004 62.648 66.1
12-31-2003 61.511 63.889
09-30-2003 62.592 62.988
06-30-2003 56.984 62.52
03-31-2003 56.089 62.69
12-31-2002 59.228 61.138