FOver the last year, Karstile Bank reported non-interest income of $149,000, non-interest expenses of $334,000, and net interest income of $284,000. What is the bank's efficiency ratio? Submit your final answer as a percentage rounded to two decimal places (Ex. 0.00%).or the last fiscal period, 

Cicharment Bank reported non-interest income of $140 thousand, non-interest expenses of $284 thousand, and average total assets of $1,469 thousand. What is the bank's burden ratio? Submit your final answer as a percentage rounded to two decimal places