Efficiency Ratio Over Time
Efficiency Ratio First Citizens Bank All Insured Commercial Banks in Alabama
03-31-2005 45.74 59.254
12-31-2004 44.084 60.786
09-30-2004 44.267 59.87
06-30-2004 44.785 60.106
03-31-2004 44.68 61.244
12-31-2003 46.5 61.448
09-30-2003 47.892 60.518
06-30-2003 45.746 60.565
03-31-2003 50.754 61.756
12-31-2002 46.009 59.281