Efficiency Ratio Over Time
Efficiency Ratio The Harvard State Bank All Insured Commercial Banks in Illinois
12-31-2016 72.863 67.9
09-30-2016 70.065 67.646
06-30-2016 69.01 68.093
03-31-2016 66.177 69.015
12-31-2015 78.977 69.227
09-30-2015 77.4 68.548
06-30-2015 78.019 68.972
03-31-2015 76.077 69.878
12-31-2014 82.148 69.969
09-30-2014 78.972 69.35
06-30-2014 78.656 70.075
03-31-2014 75.998 70.96
12-31-2013 69.549 70.63
09-30-2013 66.432 70.13
06-30-2013 65.634 70.351
03-31-2013 60.694 71.443
12-31-2012 69.311 70.063
09-30-2012 69.158 68.769
06-30-2012 71.825 68.792
03-31-2012 75.129 68.884
12-31-2011 61.799 69.941
09-30-2011 65.286 68.923
06-30-2011 67.584 69.854
03-31-2011 70.343 70.062
12-31-2010 72.291 70.567
09-30-2010 73.982 69.213
06-30-2010 74.09 69.682
03-31-2010 73.413 71.112
12-31-2009 54.966 73.38
09-30-2009 44.043 71.202
06-30-2009 65.391 72.036
03-31-2009 68.526 69.904
12-31-2008 69.652 69.748
09-30-2008 71.183 68.193
06-30-2008 71.349 68.561
03-31-2008 72.736 69.396
12-31-2007 73.241 68.284
09-30-2007 76.048 67.285
06-30-2007 79.521 67.545
03-31-2007 81.813 68.287
12-31-2006 75.18 66.265
09-30-2006 76.293 65.369
06-30-2006 73.721 65.236
03-31-2006 71.996 65.409
12-31-2005 66.761 64.049
09-30-2005 65.687 63.135
06-30-2005 65.8 63.051
03-31-2005 65.653 63.149
12-31-2004 60.456 63.383
09-30-2004 59.356 62.952
06-30-2004 57.963 63.147
03-31-2004 56.913 63.481
12-31-2003 52.802 63.697
09-30-2003 51.045 62.506
06-30-2003 50.757 62.464
03-31-2003 50.141 62.651
12-31-2002 53.256 62.349