Efficiency Ratio Over Time
Efficiency Ratio State Bank Of Howards Grove All Insured Commercial Banks in Wisconsin
12-31-2004 82.959 60.098
09-30-2004 72.289 59.832
06-30-2004 71.901 60.146
03-31-2004 70.001 60.922
12-31-2003 61.911 58.682
09-30-2003 60.151 57.501
06-30-2003 62.044 57.293
03-31-2003 65.474 57.665
12-31-2002 65.185 57.451