Burden Analysis (see tab Burden Analysis on the Excel Spreadsheet) A. 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? 3/31/21 2.00 High Plains Bank % of Average Assets Personnel Expense Occupancy Expense Other Operating Expense Total Overhead Expense Overhead Expense less Noninterest Income Burden Analysis (Page 03 UBPR) 3/31/21 3/31/20 1.42 2.39 0.29 0.23 0.77 0.85 2.49 3.46 0.19 0.74 2.93 3/31/20 1.63 0.33 0.88 2.86 2.41 1.88 3.00 2.25 46.28 63.79 67.18 67.54 81.58 72.41 88.00 70.83 Other Income&Exp. Ratios Efficiency Ratio Ave Personnel Expense per Employee Assets per Employee ($ million) Premises, fixed Assets and Capital Leases % Average Assets 4.20 5.37 3.83 4.51 1.13 1.49 1.38 1.72 Burden Analysis (see tab Burden Analysis on the Excel Spreadsheet) A. 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? 3/31/21 2.00 High Plains Bank % of Average Assets Personnel Expense Occupancy Expense Other Operating Expense Total Overhead Expense Overhead Expense less Noninterest Income Burden Analysis (Page 03 UBPR) 3/31/21 3/31/20 1.42 2.39 0.29 0.23 0.77 0.85 2.49 3.46 0.19 0.74 2.93 3/31/20 1.63 0.33 0.88 2.86 2.41 1.88 3.00 2.25 46.28 63.79 67.18 67.54 81.58 72.41 88.00 70.83 Other Income&Exp. Ratios Efficiency Ratio Ave Personnel Expense per Employee Assets per Employee ($ million) Premises, fixed Assets and Capital Leases % Average Assets 4.20 5.37 3.83 4.51 1.13 1.49 1.38 1.72