Efficiency Ratio Over Time
Efficiency Ratio Waterford Village Bank All Insured Commercial Banks in New York
06-30-2009 544.095 81.925
03-31-2009 317.181 80.38
12-31-2008 653.674 85.057
09-30-2008 762.895 78.459
06-30-2008 1063.129 83.721
03-31-2008 1065.432 80.346
12-31-2007 980.511 77.578
09-30-2007 816.327 71.372
06-30-2007 706.593 70.25
03-31-2007 593.814 71.659
12-31-2006 72.454
09-30-2006 69.831
06-30-2006 70.423
03-31-2006 74.075
12-31-2005 68.173
09-30-2005 65.988
06-30-2005 66.561
03-31-2005 66.443
12-31-2004 66.688
09-30-2004 66.369
06-30-2004 67.073
03-31-2004 67.469
12-31-2003 66.544
09-30-2003 66.043
06-30-2003 65.608
03-31-2003 66.329
12-31-2002 68.29