Efficiency Ratio Over Time
Efficiency Ratio First Citizens Bank All Insured Commercial Banks in Ohio
09-30-2005 67.228 65.774
06-30-2005 66.217 66.08
03-31-2005 61.76 66.852
12-31-2004 56.884 65.604
09-30-2004 54.972 64.558
06-30-2004 53.9 64.778
03-31-2004 53.086 65.45
12-31-2003 57.999 64.066
09-30-2003 58.229 63.194
06-30-2003 57.187 63.247
03-31-2003 57.117 64.269
12-31-2002 51.647 63.1