Efficiency Ratio Over Time
Efficiency Ratio Citizens Community Bank All Insured Commercial Banks in New Jersey
03-31-2009 149.612 103.792
12-31-2008 124.661 106.805
09-30-2008 118.162 101.217
06-30-2008 115.817 93.732
03-31-2008 114.409 89.248
12-31-2007 107.287 90.936
09-30-2007 98.772 86.235
06-30-2007 93.603 86.859
03-31-2007 95.348 82.448
12-31-2006 121.462 80.57
09-30-2006 137.61 80.45
06-30-2006 150.712 81.332
03-31-2006 182.23 84.139
12-31-2005 416.441 73.281
09-30-2005 579.736 67.202
06-30-2005 688.618 65.906
03-31-2005 927.273 66.772
12-31-2004 7511.111 67.556
09-30-2004 67.43
06-30-2004 68.24
03-31-2004 68.983
12-31-2003 70.163
09-30-2003 70.632
06-30-2003 69.756
03-31-2003 70.823
12-31-2002 71.543