Efficiency Ratio Over Time
Efficiency Ratio Citizens State Bank All Insured Commercial Banks in Texas
12-31-2016 52.586 66.762
09-30-2016 51.182 66.187
06-30-2016 51.422 66.286
03-31-2016 51.099 66.484
12-31-2015 54.74 67.473
09-30-2015 52.876 67.019
06-30-2015 53.687 67.62
03-31-2015 52.616 68.379
12-31-2014 56.214 67.933
09-30-2014 53.556 67.76
06-30-2014 53.648 68.348
03-31-2014 53.076 69.161
12-31-2013 57.085 70.01
09-30-2013 53.648 69.448
06-30-2013 54.494 70.111
03-31-2013 56.554 71.168
12-31-2012 61.654 70.289
09-30-2012 59.303 69.365
06-30-2012 60.527 69.7
03-31-2012 58.969 69.836
12-31-2011 60.971 71.203
09-30-2011 56.508 70.717
06-30-2011 56.498 71.672
03-31-2011 58.354 72.166
12-31-2010 64.633 72.798
09-30-2010 60.289 71.344
06-30-2010 59.789 71.672
03-31-2010 58.873 72.124
12-31-2009 64.106 72.899
09-30-2009 62.181 71.928
06-30-2009 62.907 72.628
03-31-2009 58.529 71.399
12-31-2008 63.408 70.933
09-30-2008 62.443 69.839
06-30-2008 61.884 70.152
03-31-2008 61.508 69.753
12-31-2007 64.386 68.047
09-30-2007 60.451 66.762
06-30-2007 61.877 66.933
03-31-2007 64.373 66.629
12-31-2006 66.542 66.288
09-30-2006 62.96 64.993
06-30-2006 63.271 65.249
03-31-2006 61.294 65.978
12-31-2005 60.729 67.153
09-30-2005 58.463 66.756
06-30-2005 58.4 67.031
03-31-2005 59.45 67.486
12-31-2004 61.037 69.184
09-30-2004 57.806 68.305
06-30-2004 59.925 68.807
03-31-2004 58.885 69.055
12-31-2003 65.147 69.41
09-30-2003 62.592 68.526
06-30-2003 62.838 68.452
03-31-2003 63.675 68.632
12-31-2002 66.27 67.534