Efficiency Ratio Over Time
Efficiency Ratio Citizens & Northern Bank All Insured Commercial Banks in Pennsylvania
12-31-2016 58.588 69.514
09-30-2016 59.098 69.712
06-30-2016 59.783 69.872
03-31-2016 61.927 70.619
12-31-2015 60.777 70.547
09-30-2015 58.272 70.818
06-30-2015 60.104 70.623
03-31-2015 59.742 70.976
12-31-2014 57.634 69.815
09-30-2014 57.98 70.001
06-30-2014 56.669 69.789
03-31-2014 58.083 70.622
12-31-2013 54.815 71.12
09-30-2013 56.211 70.413
06-30-2013 56.975 70.114
03-31-2013 60.904 70.64
12-31-2012 52.303 69.104
09-30-2012 53.852 68.379
06-30-2012 49.372 68.685
03-31-2012 50.299 68.587
12-31-2011 49.263 69.469
09-30-2011 50.037 68.702
06-30-2011 51.578 69.41
03-31-2011 56.397 69.792
12-31-2010 52.631 70.811
09-30-2010 53.12 70.978
06-30-2010 52.444 71.849
03-31-2010 51.61 72.86
12-31-2009 59.129 77.535
09-30-2009 61.555 76.738
06-30-2009 63.208 78.112
03-31-2009 62.196 76.859
12-31-2008 56.723 74.624
09-30-2008 58.497 73.365
06-30-2008 57.847 73.786
03-31-2008 58.985 75.604
12-31-2007 68.172 74.842
09-30-2007 70.001 71.87
06-30-2007 71.602 72.601
03-31-2007 76.645 73.073
12-31-2006 71.599 70.09
09-30-2006 71.529 68.901
06-30-2006 72.278 69.155
03-31-2006 71.036 68.841
12-31-2005 60.73 67.883
09-30-2005 62.818 66.821
06-30-2005 63.652 66.613
03-31-2005 63.893 66.251
12-31-2004 57.257 66.128
09-30-2004 56.971 66.722
06-30-2004 55.648 65.473
03-31-2004 57.215 65.291
12-31-2003 53.156 64.445
09-30-2003 52.715 63.915
06-30-2003 53.387 63.137
03-31-2003 55.088 63.284
12-31-2002 51.582 63.037