Efficiency Ratio Over Time
Efficiency Ratio United Heritage Bank All Insured Commercial Banks in New Jersey
12-31-2006 104.431 80.57
09-30-2006 105.591 80.45
06-30-2006 106.44 81.332
03-31-2006 104.128 84.139
12-31-2005 114.409 73.281
09-30-2005 113.614 67.202
06-30-2005 111.995 65.906
03-31-2005 108.981 66.772
12-31-2004 160.831 67.556
09-30-2004 179.347 67.43
06-30-2004 209.162 68.24
03-31-2004 212.956 68.983
12-31-2003 187.858 70.163
09-30-2003 163.117 70.632
06-30-2003 150.286 69.756
03-31-2003 137.828 70.823
12-31-2002 109.318 71.543