Efficiency Ratio Over Time
Efficiency Ratio The Warwick Savings Bank All Insured Savings Banks in New York
09-30-2004 77.851 65.084
06-30-2004 77.064 64.915
03-31-2004 79.842 64.837
12-31-2003 64.214 64.774
09-30-2003 61.451 62.46
06-30-2003 59.499 61.819
03-31-2003 56.135 60.994
12-31-2002 49.14 62.443