1. Do a Trend Analysis for High Plains Bank in 2020 to 2021, and a Peer Comparison Burden Analysis for 2021 examining trends in different expenses, total overhead expenses, and Total Overhead Expense, Total Overhead Expenses less Noninterest income, and the firm's efficiency ratio. What strengths/weaknesses are revealed for High Plains Banks versus the PG7?

High Plains Bank % of Ave rage Assets Personnel Expense Occupancy Expense Other Operating Expense Total Overhead Expense Overhead Expense less Noninterest Income Other |ncome&Exp. Ratios Efficiency Ratio Ave Personnel Expense per Employee Assets per Employee (S million) Premises, fixed Assets and Capital Leases % Ave rage Assets Burden Analysis (Page 03 UBPR) 3/31/21 3/31/21 3/31/20 2.00 1.42 2.39 0.19 0.29 0.23 2.93 2.49 3.46 2.41 1.88 3.00 46.28 63.79 67.18 81.58 72.41 88.00 4.20 5.37 3.83 1.13 1.49 1.38 3/31/20 1.63 0.33 m 2.86 2.25 67 .54 70.83 4.51 1.72