Efficiency Ratio Over Time
Efficiency Ratio Citizens & Merchants State Bank All Insured Commercial Banks in Georgia
09-30-2008 148.621 84.879
06-30-2008 110.597 82.103
03-31-2008 108.147 76.842
12-31-2007 45.243 66.184
09-30-2007 44.019 63.793
06-30-2007 43.251 63.216
03-31-2007 40.914 63.468
12-31-2006 40.322 63.007
09-30-2006 40.482 61.317
06-30-2006 40.805 61.045
03-31-2006 41.459 60.367
12-31-2005 41.212 62.186
09-30-2005 42.53 61.255
06-30-2005 42.682 61.571
03-31-2005 44.744 62.33
12-31-2004 47.573 64.32
09-30-2004 49.006 64.404
06-30-2004 51.024 64.229
03-31-2004 52.737 64.639
12-31-2003 50.374 65.562
09-30-2003 49.489 64.676
06-30-2003 47.95 64.537
03-31-2003 47.538 65.157
12-31-2002 47.303 64.609