Efficiency Ratio Over Time
Efficiency Ratio Citizens Financial Bank, Inc. All Insured Commercial Banks in Kentucky
12-31-2004 94.258 63.911
09-30-2004 94.763 63.176
06-30-2004 95.399 63.432
03-31-2004 94.253 64.083
12-31-2003 83.092 63.309
09-30-2003 83.472 62.73
06-30-2003 84.967 62.654
03-31-2003 93.333 63.422
12-31-2002 117.493 62.137