Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Indiana
06-30-2006 54.327 65.656
03-31-2006 53.674 66.077
12-31-2005 34.054 65.617
09-30-2005 30.621 65.596
06-30-2005 26.029 65.579
03-31-2005 17.763 66.006
12-31-2004 63.779 65.999
09-30-2004 65.062 65.242
06-30-2004 65.85 65.757
03-31-2004 69.007 66.1
12-31-2003 61.9 63.889
09-30-2003 61.134 62.988
06-30-2003 60.179 62.52
03-31-2003 59.325 62.69
12-31-2002 59.909 61.138