2. Paintbrush Hills State Bank has just submitted its Report of Condition and Report of Income to its principal supervisory agency. The bank reported net income before taxes and securities transactions of $29 million and taxes $8 million. If its total operating revenues were $650 million, its total assets $1.75 billion, and its equity capital $170 million, determine the following for Paintbrush Hills:

find -Funds management efficiency ratio.