Efficiency Ratio Over Time
Efficiency Ratio Citizens Bank & Trust Company All Insured Commercial Banks in Oklahoma
12-31-2004 74.82 66.712
09-30-2004 75.014 64.493
06-30-2004 73.524 64.72
03-31-2004 73.838 64.768
12-31-2003 74.752 67.239
09-30-2003 76.209 65.624
06-30-2003 76.933 65.298
03-31-2003 75.298 65.297
12-31-2002 70.804 65.389