CrossTown Bank Average Assets $800,000 Total interest expereve 385.00 Average Equity $85,000 Salary Expense $20,000 Total interest income $115,000 Occupancy Expense $12,000 Loan Fees $10,000 Other op. expenses $5,000 Loan Servicing Fees $15,000 Income Taxes $6,000 Other fees $12,000 Gainlass on sale $3,000 Loan Loss Provision $3,000 Short-term investments SA5,000 Cash and due $128,000 Short-term borrowed funds $25,000 Deposits $700,000 Calculate the following items for the bank. Efficiency Ratio: Select one: 57.30% 61.19% 71.90% 72.90%