Efficiency Ratio Over Time
Efficiency Ratio First Citizens Bank, National Association All Insured Commercial Banks in Montana
12-31-2006 67.129 58.044
09-30-2006 58.956 57.318
06-30-2006 57.037 57.671
03-31-2006 53.684 59.411
12-31-2005 65.928 59.07
09-30-2005 67.18 58.107
06-30-2005 73.482 58.855
03-31-2005 69.986 58.97
12-31-2004 72.659 60.019
09-30-2004 72.603 58.948
06-30-2004 74.314 59.793
03-31-2004 77.116 61.25
12-31-2003 70 61.736
09-30-2003 70.01 60.828
06-30-2003 70.918 61.17
03-31-2003 68.605 61.712
12-31-2002 81.242 61.511