Efficiency Ratio Over Time
Efficiency Ratio Valley Bank Dundas All Insured Commercial Banks in Minnesota
03-31-2005 68.252 62.926
12-31-2004 67.064 63.335
09-30-2004 68.4 61.98
06-30-2004 68.757 62.61
03-31-2004 64.999 63.48
12-31-2003 58.727 63.289
09-30-2003 58.555 61.468
06-30-2003 59.236 61.298
03-31-2003 60.133 62.209
12-31-2002 54.97 61.807