Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Texas
12-31-2016 85.001 66.762
09-30-2016 83.161 66.187
06-30-2016 82.246 66.286
03-31-2016 77.703 66.484
12-31-2015 75.474 67.473
09-30-2015 74.482 67.019
06-30-2015 74.66 67.62
03-31-2015 72.426 68.379
12-31-2014 73.661 67.933
09-30-2014 73.021 67.76
06-30-2014 72.173 68.348
03-31-2014 69.578 69.161
12-31-2013 69.432 70.01
09-30-2013 69.065 69.448
06-30-2013 70.575 70.111
03-31-2013 69.209 71.168
12-31-2012 67.277 70.289
09-30-2012 66.322 69.365
06-30-2012 65.094 69.7
03-31-2012 63.68 69.836
12-31-2011 69.267 71.203
09-30-2011 64.262 70.717
06-30-2011 65.513 71.672
03-31-2011 61.854 72.166
12-31-2010 67.812 72.798
09-30-2010 67.861 71.344
06-30-2010 68.873 71.672
03-31-2010 71.385 72.124
12-31-2009 70.119 72.899
09-30-2009 69.352 71.928
06-30-2009 69.435 72.628
03-31-2009 70.46 71.399
12-31-2008 68.011 70.933
09-30-2008 64.683 69.839
06-30-2008 64.609 70.152
03-31-2008 65.813 69.753
12-31-2007 67.88 68.047
09-30-2007 66.724 66.762
06-30-2007 67.715 66.933
03-31-2007 65.677 66.629
12-31-2006 63.068 66.288
09-30-2006 62.501 64.993
06-30-2006 62.746 65.249
03-31-2006 62.667 65.978
12-31-2005 65.621 67.153
09-30-2005 65.788 66.756
06-30-2005 66.352 67.031
03-31-2005 66.483 67.486
12-31-2004 65.16 69.184
09-30-2004 63.849 68.305
06-30-2004 63.302 68.807
03-31-2004 63.975 69.055
12-31-2003 65.208 69.41
09-30-2003 65.449 68.526
06-30-2003 66.099 68.452
03-31-2003 67.305 68.632
12-31-2002 62.093 67.534