Efficiency Ratio Over Time
Efficiency Ratio Union State Bank All Insured Commercial Banks in New York
12-31-2007 50.227 77.578
09-30-2007 48.998 71.372
06-30-2007 49.585 70.25
03-31-2007 49.282 71.659
12-31-2006 46.052 72.454
09-30-2006 45.927 69.831
06-30-2006 46.018 70.423
03-31-2006 46.063 74.075
12-31-2005 46.893 68.173
09-30-2005 47.417 65.988
06-30-2005 47.514 66.561
03-31-2005 49.471 66.443
12-31-2004 49.173 66.688
09-30-2004 49.505 66.369
06-30-2004 49.825 67.073
03-31-2004 49.997 67.469
12-31-2003 49.292 66.544
09-30-2003 49.551 66.043
06-30-2003 50.284 65.608
03-31-2003 49.576 66.329
12-31-2002 46.638 68.29