Efficiency Ratio Over Time
Efficiency Ratio Volunteer State Bank All Insured Commercial Banks in Tennessee
12-31-2016 68.364 69.386
09-30-2016 67.053 69.074
06-30-2016 66.718 69.175
03-31-2016 62.575 69.772
12-31-2015 68.834 71.67
09-30-2015 67.88 71.393
06-30-2015 68.391 71.347
03-31-2015 70.559 71.604
12-31-2014 74.932 71.978
09-30-2014 73.57 71.431
06-30-2014 72.451 72.281
03-31-2014 73.808 72.859
12-31-2013 76.687 72.831
09-30-2013 72.821 71.947
06-30-2013 71.61 72.339
03-31-2013 68.918 73.06
12-31-2012 62.945 72.788
09-30-2012 64.983 72.3
06-30-2012 67.327 72.159
03-31-2012 68.985 70.962
12-31-2011 77.798 74.565
09-30-2011 79.849 73.347
06-30-2011 82.348 74.593
03-31-2011 83.457 74.44
12-31-2010 70.475 74.786
09-30-2010 73.725 73.288
06-30-2010 74.486 73.208
03-31-2010 76.217 74.142
12-31-2009 70.9 78.956
09-30-2009 71.986 78.914
06-30-2009 73.087 79.484
03-31-2009 72.321 76.46
12-31-2008 76.067 76.123
09-30-2008 72.368 73.333
06-30-2008 73.665 73.064
03-31-2008 76.149 73.535
12-31-2007 70.097 71.353
09-30-2007 68.707 70.14
06-30-2007 69.096 70.181
03-31-2007 69.314 69.593
12-31-2006 68.038 69.255
09-30-2006 67.302 67.968
06-30-2006 68.048 68.089
03-31-2006 68.697 68.881
12-31-2005 71.109 68.603
09-30-2005 70.009 67.371
06-30-2005 72.019 67.28
03-31-2005 74.079 67.669
12-31-2004 75.62 67.909
09-30-2004 75.14 67.78
06-30-2004 74.891 67.917
03-31-2004 75.7 67.404
12-31-2003 71.991 67.065
09-30-2003 70.225 66.477
06-30-2003 69.263 67.007
03-31-2003 72.372 67.319
12-31-2002 73.823 65.163