Efficiency Ratio Over Time
Efficiency Ratio City Bank All Insured Commercial Banks in Hawaii
12-31-2004 70.526 66.281
09-30-2004 55.902 63.517
06-30-2004 47.695 61.736
03-31-2004 54.935 63.006
12-31-2003 53.657 64.003
09-30-2003 53.739 63.931
06-30-2003 52.921 64.513
03-31-2003 53.666 65.429
12-31-2002 53.975 65.406