RA (Dollars in Millions) assets Liability and Equity Cash $ 850 Deposits Securities 1,925 Other Borrowing Loans 5,400 Equity Others 975 Total Total $ 9,150 $ 6,475 1,645 1,030 $ 9,150 Income Statement Interest income on loans Interest income on securities Interest expenses Noninterest income Non income expenses Provision for loan loss Taxes $ 450 95 246 78 112 35 115 $ 115 NI If the typical bank of this type has an overhead efficiency ratio of 0.65, then this particular bank than the typical bank, all else held constant is doing a poorer job generating profitable off-balance-sheet activities is doing a better job time managing noninterest income and expenses is paying higher taxes has fewer loan losses None of these choices are correct