Efficiency Ratio Over Time
Efficiency Ratio Citizens Bank All Insured Commercial Banks in Kentucky
09-30-2004 151.301 63.176
06-30-2004 99.649 63.432
03-31-2004 95.318 64.083
12-31-2003 96.978 63.309
09-30-2003 96.047 62.73
06-30-2003 95.745 62.654
03-31-2003 89.146 63.422
12-31-2002 85.483 62.137