Efficiency Ratio Over Time
Efficiency Ratio Waterman State Bank All Insured Commercial Banks in Illinois
12-31-2016 94.407 67.9
09-30-2016 94.195 67.646
06-30-2016 97.444 68.093
03-31-2016 89.767 69.015
12-31-2015 101.52 69.227
09-30-2015 100.621 68.548
06-30-2015 105.128 68.972
03-31-2015 90.598 69.878
12-31-2014 105.938 69.969
09-30-2014 92.093 69.35
06-30-2014 91.812 70.075
03-31-2014 90.439 70.96
12-31-2013 111.264 70.63
09-30-2013 119.672 70.13
06-30-2013 121.578 70.351
03-31-2013 116.887 71.443
12-31-2012 99.44 70.063
09-30-2012 100.558 68.769
06-30-2012 96.912 68.792
03-31-2012 99.432 68.884
12-31-2011 71.658 69.941
09-30-2011 70.936 68.923
06-30-2011 72.556 69.854
03-31-2011 78.289 70.062
12-31-2010 74.908 70.567
09-30-2010 71.823 69.213
06-30-2010 75.919 69.682
03-31-2010 74.771 71.112
12-31-2009 74.15 73.38
09-30-2009 73.039 71.202
06-30-2009 72.383 72.036
03-31-2009 69.436 69.904
12-31-2008 72.726 69.748
09-30-2008 77.852 68.193
06-30-2008 76.076 68.561
03-31-2008 74.7 69.396
12-31-2007 77.786 68.284
09-30-2007 79.405 67.285
06-30-2007 77.799 67.545
03-31-2007 72.667 68.287
12-31-2006 68.532 66.265
09-30-2006 67.742 65.369
06-30-2006 64.053 65.236
03-31-2006 64.331 65.409
12-31-2005 61.261 64.049
09-30-2005 59.206 63.135
06-30-2005 56.27 63.051
03-31-2005 58.436 63.149
12-31-2004 59.84 63.383
09-30-2004 60.555 62.952
06-30-2004 61.894 63.147
03-31-2004 57.961 63.481
12-31-2003 58.139 63.697
09-30-2003 56.596 62.506
06-30-2003 55.793 62.464
03-31-2003 55.883 62.651
12-31-2002 66.736 62.349