What is the efficiency ratio for the bank?

Amount $($$millions$)$

Amount $($Smi$1110$ns$)$

Cash

Inv, Securities

Net Loans

Business Loans

Mortgages

Instaliment Loans

Credit Cards

Ioan Ioss Reserve

Other Assets

Total Assets

Demand Deposits

Non$-$Int Bearing

Interest Bearing

Savings Zccounts

Time Deposits

Burchased Eunds

Equity

Total Ilab and Equity $1300$

Interest Income

Securities

$3\mathrm{.}565$

$17\mathrm{.}360$

$5.831$

$12*306$

$9.648$

Interest Expense

Demand Depo$3$its $,1\mathrm{.}200$

Savings Accounts $,1\mathrm{.}632$

Time Deposits $,8,446$

Burchased Eunds $,3\mathrm{.}180$

Loan Loss Broviston $,4\mathrm{.}080$

Non$-$Interest Income $,11\mathrm{.}837$

Non$-$Interest Expense $,24\mathrm{.}739$

Caqita$1$ Gains Iosses $,-0\mathrm{.}193$

Before Tax Income $,17\mathrm{.}077$

Taxes

$5,806$

Net Income

$11\mathrm{.}271$