Citizens Savings Bank And Trust Company
Saint Johnsbury, VT — Domestic Branch of a Domestic Bank
Acquired May 2003
Efficiency Ratio Over Time
| Efficiency Ratio | Citizens Savings Bank And Trust Company | All Insured Commercial Banks in Vermont |
| 03-31-2003 | 77.383 | 70.445 |
| 12-31-2002 | 64.99 | 68.612 |