Variable

36-month

48-month

60-month

Rolling 36-month

Mean

Med

Mean

Med

Mean

Med

Mean

Med

ROA

0.0039***

0.0037***

0.004***

0.0033***

0.0039***

0.003***

0.0042***

0.0031***

Efficiency

22.47**

6.13

11.05***

6.79

10.10***

7.15

56.63***

5.81

Loan ratio

0.62***

0.64

0.62***

0.64

0.63***

0.64

0.63***

0.63

Risk

0.31***

0.19

0.30***

0.18

0.30***

0.18

0.24***

0.16

Capital ratio

0.12***

0.10

0.12***

0.10

0.11***

0.10

0.12***

0.10

Deposit ratio

8.25***

6.70

8.03***

6.66

8.90***

8.18

8.43***

7.23

Assets growth

0.08***

0.05

0.08***

0.05

0.07***

0.04

0.07***

0.03