Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Texas
12-31-2013 87.473 70.01
09-30-2013 70.874 69.448
06-30-2013 72.43 70.111
03-31-2013 75.716 71.168
12-31-2012 57.157 70.289
09-30-2012 55.052 69.365
06-30-2012 52.836 69.7
03-31-2012 52.738 69.836
12-31-2011 50.584 71.203
09-30-2011 48.69 70.717
06-30-2011 49.691 71.672
03-31-2011 49.157 72.166
12-31-2010 46.725 72.798
09-30-2010 46.72 71.344
06-30-2010 47.305 71.672
03-31-2010 51.368 72.124
12-31-2009 51.658 72.899
09-30-2009 52.842 71.928
06-30-2009 52.07 72.628
03-31-2009 50.911 71.399
12-31-2008 55.555 70.933
09-30-2008 56.01 69.839
06-30-2008 56.816 70.152
03-31-2008 57.609 69.753
12-31-2007 60.714 68.047
09-30-2007 59.275 66.762
06-30-2007 59.761 66.933
03-31-2007 60.906 66.629
12-31-2006 62.615 66.288
09-30-2006 62.126 64.993
06-30-2006 64.513 65.249
03-31-2006 67.163 65.978
12-31-2005 67.506 67.153
09-30-2005 63.251 66.756
06-30-2005 63.579 67.031
03-31-2005 61.447 67.486
12-31-2004 71.185 69.184
09-30-2004 73.235 68.305
06-30-2004 76.818 68.807
03-31-2004 71.712 69.055
12-31-2003 70.673 69.41
09-30-2003 71.65 68.526
06-30-2003 72.948 68.452
03-31-2003 67.867 68.632
12-31-2002 74.992 67.534