Efficiency Ratio Over Time
Efficiency Ratio State Financial Bank All Insured Commercial Banks in Wisconsin
09-30-2005 62.588 59.352
06-30-2005 54.913 59.38
03-31-2005 55.382 59.752
12-31-2004 57.316 60.098
09-30-2004 57.482 59.832
06-30-2004 58.233 60.146
03-31-2004 58.024 60.922
12-31-2003 61.072 58.682
09-30-2003 62.021 57.501
06-30-2003 63.381 57.293
03-31-2003 63.182 57.665
12-31-2002 63.503 57.451