$\backslash$table$[[$Bank A$],[$Assets$],[$Cash$,$$ $3,$Deposits,,$ $65],[$Securities$,18,$Other Borrowing,$26],[$Loans$,62,$Equity,,$9],[$Other$,17,$Total,,$$100],[$Total$,$$$100,,,],[$Income Statement$],[$Interest Income on Loans,,,$57,],[$Interest Income on Securities,$4,],[$Interest Expense,$3,],[$Non$-$interest Income,$2,],[$Non$-$interest Expense,$4,],[$Provision for Loan Loss,$1,],[$Taxes $(40\%),2,],[$NI$,,,53,]]$

The bank's efficiency ratio is$?$

The bank's net interest income margin is$?$

show your work.