Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Texas
12-31-2016 62.222 66.762
09-30-2016 61.272 66.187
06-30-2016 60.022 66.286
03-31-2016 59.16 66.484
12-31-2015 64.646 67.473
09-30-2015 63.786 67.019
06-30-2015 63.741 67.62
03-31-2015 66.674 68.379
12-31-2014 65.168 67.933
09-30-2014 66.099 67.76
06-30-2014 65.739 68.348
03-31-2014 68.048 69.161
12-31-2013 64.401 70.01
09-30-2013 64.917 69.448
06-30-2013 63.574 70.111
03-31-2013 66.231 71.168
12-31-2012 59.509 70.289
09-30-2012 59.495 69.365
06-30-2012 59.995 69.7
03-31-2012 61.19 69.836
12-31-2011 63.883 71.203
09-30-2011 65.191 70.717
06-30-2011 66.644 71.672
03-31-2011 67.231 72.166
12-31-2010 66.194 72.798
09-30-2010 65.051 71.344
06-30-2010 66.034 71.672
03-31-2010 63.503 72.124
12-31-2009 66.886 72.899
09-30-2009 65.724 71.928
06-30-2009 66.124 72.628
03-31-2009 63.116 71.399
12-31-2008 63.676 70.933
09-30-2008 62.437 69.839
06-30-2008 62.689 70.152
03-31-2008 60.072 69.753
12-31-2007 65.648 68.047
09-30-2007 64.734 66.762
06-30-2007 64.8 66.933
03-31-2007 62.846 66.629
12-31-2006 64.806 66.288
09-30-2006 64.231 64.993
06-30-2006 65.925 65.249
03-31-2006 65.439 65.978
12-31-2005 69.014 67.153
09-30-2005 67.103 66.756
06-30-2005 65.964 67.031
03-31-2005 66.641 67.486
12-31-2004 74.645 69.184
09-30-2004 76.211 68.305
06-30-2004 78.349 68.807
03-31-2004 85.687 69.055
12-31-2003 74.923 69.41
09-30-2003 75.785 68.526
06-30-2003 72.893 68.452
03-31-2003 72.715 68.632
12-31-2002 63.798 67.534