Efficiency Ratio Over Time
Efficiency Ratio Pioneer Bank All Insured Commercial Banks in Kentucky
12-31-2004 63.861 63.911
09-30-2004 63.758 63.176
06-30-2004 65.034 63.432
03-31-2004 68.244 64.083
12-31-2003 66.886 63.309
09-30-2003 68.203 62.73
06-30-2003 67.937 62.654
03-31-2003 68.511 63.422
12-31-2002 67.795 62.137