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Re: 56Chevy post# 8

Sunday, 10/14/2012 8:20:17 AM

Sunday, October 14, 2012 8:20:17 AM

Post# of 24
Efficiency ratio continues to trend downward.

The Bank’s efficiency ratio for the three months ended June 30, 2012 was 59.01% compared to 83.78% in 2011, which represents a decrease of 30%. The efficiency ratio illustrates, that for every dollar the Bank made for the three month period ending June 30, 2012, the Bank spent $0.59 to make it, as compared to $0.84 one year ago.

[So many banks. So little time.]

"Someone said it takes 30 years to be an instant success" - Gabriel Barbier-Mueller, CEO of Harwood International


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