Efficiency Ratio Over Time
Efficiency Ratio State Bank Of Caledonia All Insured Commercial Banks in Michigan
03-31-2004 43.545 66.274
12-31-2003 81.927 63.66
09-30-2003 53.925 62.955
06-30-2003 49.441 63.034
03-31-2003 51.056 63.233
12-31-2002 50.197 62.526