Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Texas
12-31-2016 120.076 66.762
09-30-2016 117.396 66.187
06-30-2016 110 66.286
03-31-2016 106.72 66.484
12-31-2015 107.475 67.473
09-30-2015 107.773 67.019
06-30-2015 107.714 67.62
03-31-2015 104.52 68.379
12-31-2014 104.36 67.933
09-30-2014 104.602 67.76
06-30-2014 102.857 68.348
03-31-2014 101.966 69.161
12-31-2013 107.965 70.01
09-30-2013 111.948 69.448
06-30-2013 113.982 70.111
03-31-2013 123.344 71.168
12-31-2012 93.34 70.289
09-30-2012 90.894 69.365
06-30-2012 89.001 69.7
03-31-2012 87.342 69.836
12-31-2011 73.041 71.203
09-30-2011 70.551 70.717
06-30-2011 65.974 71.672
03-31-2011 56.074 72.166
12-31-2010 86.427 72.798
09-30-2010 84.375 71.344
06-30-2010 83.584 71.672
03-31-2010 84.027 72.124
12-31-2009 92.314 72.899
09-30-2009 92.985 71.928
06-30-2009 96.893 72.628
03-31-2009 99.314 71.399
12-31-2008 94.035 70.933
09-30-2008 89.991 69.839
06-30-2008 86.071 70.152
03-31-2008 80.202 69.753
12-31-2007 78.532 68.047
09-30-2007 79.497 66.762
06-30-2007 81.569 66.933
03-31-2007 79.043 66.629
12-31-2006 71.846 66.288
09-30-2006 73.115 64.993
06-30-2006 75.085 65.249
03-31-2006 80.221 65.978
12-31-2005 68.718 67.153
09-30-2005 68.819 66.756
06-30-2005 68.234 67.031
03-31-2005 67.912 67.486
12-31-2004 67.015 69.184
09-30-2004 64.662 68.305
06-30-2004 60.986 68.807
03-31-2004 61.3 69.055
12-31-2003 73.497 69.41
09-30-2003 75.382 68.526
06-30-2003 72.407 68.452
03-31-2003 71.828 68.632
12-31-2002 70.651 67.534