Overhead Costs Absorb A Growing Share Of Community Banks' Revenues NoninterestExpenseasaPercentofNetOperatingRevenue*
Efficiency ratio (percent)
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
Assets > $100MM
69
70
74
74
74
73
73
72
68
68
67
66
67
67
68
70
69
72
70
72
Assets < $100MM
74
72
76
72
70
70
71
70
66
65
64
63
63
60
63
60
60
59
57
57
* Net operating revenue = net interest income + total noninterest income. ** Asset size measured in 2003 dollars. $100 million in 2003 = $63.6 million in 1983.
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