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Consider the following data: Total interest income 1260000 Total interest expense 140000 Non-interest income 28000 Non-interest expense 16000 Provision for loan losses 5,400 gain on

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Consider the following data: Total interest income 1260000 Total interest expense 140000 Non-interest income 28000 Non-interest expense 16000 Provision for loan losses 5,400 gain on securities 2,500 Taxes 1,800 The bank efficiency ratio would be

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