Efficiency Ratio Over Time
Efficiency Ratio Citizens Bank All Insured Commercial Banks in Texas
12-31-2012 63.959 70.289
09-30-2012 60.967 69.365
06-30-2012 58.093 69.7
03-31-2012 58.689 69.836
12-31-2011 64.872 71.203
09-30-2011 64.525 70.717
06-30-2011 65.942 71.672
03-31-2011 66.873 72.166
12-31-2010 65.328 72.798
09-30-2010 65.117 71.344
06-30-2010 66.538 71.672
03-31-2010 67.6 72.124
12-31-2009 70.794 72.899
09-30-2009 71.939 71.928
06-30-2009 74.373 72.628
03-31-2009 75.53 71.399
12-31-2008 71.48 70.933
09-30-2008 69.916 69.839
06-30-2008 70.152
03-31-2008 72.571 69.753
12-31-2007 73.704 68.047
09-30-2007 74.367 66.762
06-30-2007 75.277 66.933
03-31-2007 75.662 66.629
12-31-2006 73.896 66.288
09-30-2006 72.708 64.993
06-30-2006 73.58 65.249
03-31-2006 73.844 65.978
12-31-2005 77.288 67.153
09-30-2005 77.381 66.756
06-30-2005 72.75 67.031
03-31-2005 71.548 67.486
12-31-2004 68.366 69.184
09-30-2004 66.932 68.305
06-30-2004 65.467 68.807
03-31-2004 65.715 69.055
12-31-2003 73.386 69.41
09-30-2003 74.245 68.526
06-30-2003 72.148 68.452
03-31-2003 71.017 68.632
12-31-2002 65.981 67.534