Given the following financial data for Bank XYZ: s Cash Assets Demand deposits from other Fls Investments Federal funds sold Loans Reserve for loan losses Premises Total assets Balance Sheet XYZ Bank Liabilities and Equity 580 Demand deposits 2,000 Small time deposits 4,700 Jumbo CDs Federal funds purchased 16,825 Equity (2,425) 2,335 $ 26,430 Total liabilities/equity 6,530 10,300 3,850 2,900 2,850 2,415 $ 26,430 Income Statement XYZ Bank Interest income Interest expense Provision for loan losses Noninterest income Noninterest expense Taxes Not income is $470, calculate the bank's expense management omiciency ratio 3,250 2,100 310 270 550 90