Report: FRB 

Model: Extremal CCR
Scaling: Geometric Mean
Orientation: Input
Levels: 1
DMUs: 100
Inputs: 6 Outputs: 3
Time: 0.01


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Summary Results for DMU2
Level: 1     Status: Efficient     Efficiency Rating: 1.00102
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      1.5998
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp  4.6325e-16
                                               Prem/Fxd-Assets      1.7871
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.68999
                                              Purchased-Funds*     0.42324

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Summary Results for DMU3
Level: 1     Status: Unknown     Efficiency Rating: 0.86583
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.021631                  Core-Deposits           0
              DMU31     0.39028                 Earning-Assets      2.7948
              DMU36     0.58809                Interest-Income           0
                                                 Full-Time-Emp      1.0479
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      2.9323
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        6099      7555.1
     Earning-Assets       11656       11656
    Interest-Income         911      1191.5
      Full-Time-Emp          10      8.6583
         Salary-Exp         250      197.63
    Prem/Fxd-Assets        1177      99.678
    Noninterest-Exp         330      173.98
      Interest-Exp*         574      496.99
   Purchased-Funds*        2660      537.64

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Summary Results for DMU4
Level: 1     Status: Unknown     Efficiency Rating: 0.86481
      Reference Set       Value                    Multipliers       Value       Slack
              DMU36    0.036746                  Core-Deposits -1.4357e-17
              DMU57     0.12215                 Earning-Assets      0.0924
              DMU74     0.39975                Interest-Income     0.59807
              DMU93     0.43126                  Full-Time-Emp  5.7865e-16
              DMU21    0.010087                     Salary-Exp     0.13738
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp   0.0049281
                                                 Interest-Exp*     0.60544
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       24036       30117
     Earning-Assets       51895       51895
    Interest-Income        5739        5739
      Full-Time-Emp          45      29.926
         Salary-Exp         776      671.09
    Prem/Fxd-Assets         703      462.78
    Noninterest-Exp         912      788.71
      Interest-Exp*        3526      3049.3
   Purchased-Funds*       10773      6534.6

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Summary Results for DMU5
Level: 1     Status: Efficient     Efficiency Rating: 1.2217
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits  2.1824e-17
                                                Earning-Assets           0
                                               Interest-Income    0.088088
                                                 Full-Time-Emp    0.049137
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  3.8806e-15
                                                 Interest-Exp*           0
                                              Purchased-Funds*    0.010188

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Summary Results for DMU6
Level: 1     Status: Efficient     Efficiency Rating: 1.0569
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits   0.0070797
                                                Earning-Assets  4.3537e-17
                                               Interest-Income     0.37108
                                                 Full-Time-Emp     0.13695
                                                    Salary-Exp    0.029385
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.19555
                                              Purchased-Funds*   0.0084745

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Summary Results for DMU7
Level: 1     Status: Efficient     Efficiency Rating: 1.0553
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      3.2505
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp      1.1483
                                               Prem/Fxd-Assets      1.1347
                                               Noninterest-Exp       1.378
                                                 Interest-Exp*     0.72112
                                              Purchased-Funds*      1.2564

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Summary Results for DMU8
Level: 1     Status: Unknown     Efficiency Rating: 0.89421
      Reference Set       Value                    Multipliers       Value       Slack
              DMU33     0.49622                  Core-Deposits           0
              DMU31     0.16135                 Earning-Assets  1.4085e-16
               DMU9     0.27269                Interest-Income      2.3996
              DMU93    0.069737                  Full-Time-Emp           0
                                                    Salary-Exp      1.6754
                                               Prem/Fxd-Assets     0.94501
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.5361
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        5380      7377.6
     Earning-Assets       12543       12833
    Interest-Income        1356        1356
      Full-Time-Emp           8      5.1457
         Salary-Exp         170      152.01
    Prem/Fxd-Assets          69        61.7
    Noninterest-Exp         149      109.99
      Interest-Exp*         823      735.93
   Purchased-Funds*        3974      1524.8

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Summary Results for DMU9
Level: 1     Status: Efficient     Efficiency Rating: 1.352
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.43992
                                                Earning-Assets      3.6861
                                               Interest-Income           0
                                                 Full-Time-Emp  -3.347e-16
                                                    Salary-Exp     0.26272
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp      13.275
                                                 Interest-Exp*           0
                                              Purchased-Funds*           0

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Summary Results for DMU10
Level: 1     Status: Unknown     Efficiency Rating: 0.86145
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0058902                  Core-Deposits           0
              DMU30    0.044817                 Earning-Assets           0
              DMU74     0.23791                Interest-Income      1.4597
              DMU36     0.71139                  Full-Time-Emp           0
                                                    Salary-Exp     0.56131
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  1.5235e-16
                                                 Interest-Exp*     0.91855
                                              Purchased-Funds*     0.31512
          Variables    Observed       Ideal
      Core-Deposits       12326       13157
     Earning-Assets       22853       23184
    Interest-Income        2689        2689
      Full-Time-Emp          26      16.962
         Salary-Exp         448      385.93
    Prem/Fxd-Assets         439      199.79
    Noninterest-Exp         453      376.91
      Interest-Exp*        1474      1269.8
   Purchased-Funds*        1310      1128.5

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Summary Results for DMU11
Level: 1     Status: Efficient     Efficiency Rating: 1.128
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      3.4658
                                               Interest-Income           0
                                                 Full-Time-Emp      2.3545
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp      2.6558
                                                 Interest-Exp*           0
                                              Purchased-Funds*      1.8379

################################################################################
Summary Results for DMU12
Level: 1     Status: Unknown     Efficiency Rating: 0.93854
      Reference Set       Value                    Multipliers       Value       Slack
              DMU36     0.61142                  Core-Deposits  3.6761e-17
              DMU57    0.059955                 Earning-Assets     0.13998
              DMU30    0.069338                Interest-Income     0.51094
              DMU21    0.010996                  Full-Time-Emp -1.3971e-16
              DMU93     0.21673                     Salary-Exp    0.097737
              DMU58    0.031561                Prem/Fxd-Assets  2.0183e-17
                                               Noninterest-Exp    0.030217
                                                 Interest-Exp*     0.55227
                                              Purchased-Funds*    0.010729
          Variables    Observed       Ideal
      Core-Deposits       40022       40867
     Earning-Assets       61924       61924
    Interest-Income        6548        6548
      Full-Time-Emp          66      49.424
         Salary-Exp        1169      1097.2
    Prem/Fxd-Assets        1483      794.96
    Noninterest-Exp        1158      1086.8
      Interest-Exp*        3509      3293.3
   Purchased-Funds*        8088      7590.9

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Summary Results for DMU13
Level: 1     Status: Efficient     Efficiency Rating: 1.0556
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.46738
                                                Earning-Assets           0
                                               Interest-Income      0.4794
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.1207
                                              Purchased-Funds*     0.17303

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Summary Results for DMU14
Level: 1     Status: Unknown     Efficiency Rating: 0.89971
      Reference Set       Value                    Multipliers       Value       Slack
              DMU57    0.018351                  Core-Deposits  1.8895e-17
              DMU93     0.10108                 Earning-Assets    0.052928
              DMU58      0.1034                Interest-Income     0.28113
              DMU21    0.036031                  Full-Time-Emp  3.8642e-17
              DMU36     0.74114                     Salary-Exp     0.05648
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp   0.0087985
                                                 Interest-Exp*     0.29439
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       61972       76449
     Earning-Assets  1.0988e+05  1.0988e+05
    Interest-Income       12014       12014
      Full-Time-Emp         124      109.89
         Salary-Exp        2627      2363.5
    Prem/Fxd-Assets        2024      1775.3
    Noninterest-Exp        2474      2225.9
      Interest-Exp*        6532      5876.9
   Purchased-Funds*       23689       15931

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Summary Results for DMU15
Level: 1     Status: Efficient     Efficiency Rating: 1.2126
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits    0.049014
                                                Earning-Assets     0.11679
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets  4.5284e-16
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*    0.086481

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Summary Results for DMU16
Level: 1     Status: Inefficient     Efficiency Rating: 0.75697
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0040837                  Core-Deposits           0
              DMU81     0.16594                 Earning-Assets           0
              DMU74    0.059698                Interest-Income      1.6873
              DMU36     0.77028                  Full-Time-Emp     0.31938
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  1.0225e-15
                                                 Interest-Exp*      1.5227
                                              Purchased-Funds*   0.0010609
          Variables    Observed       Ideal
      Core-Deposits        8784      9863.4
     Earning-Assets       16913       19760
    Interest-Income        2245        2245
      Full-Time-Emp          21      15.896
         Salary-Exp         535      378.46
    Prem/Fxd-Assets         626      302.84
    Noninterest-Exp         634      429.12
      Interest-Exp*        1304      987.09
   Purchased-Funds*        4163      3151.3

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Summary Results for DMU17
Level: 1     Status: Unknown     Efficiency Rating: 0.81862
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58    0.012072                  Core-Deposits    0.024191
              DMU21   0.0053262                 Earning-Assets    0.024132
              DMU57   0.0049215                Interest-Income      1.2639
              DMU81    0.076388                  Full-Time-Emp     0.19988
              DMU36     0.90129                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.2289
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       17097       17097
     Earning-Assets       27817       27817
    Interest-Income        3021        3021
      Full-Time-Emp          30      24.559
         Salary-Exp         693      561.08
    Prem/Fxd-Assets         839      395.76
    Noninterest-Exp         790      555.56
      Interest-Exp*        1665        1363
   Purchased-Funds*       11095      3425.6

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Summary Results for DMU18
Level: 1     Status: Unknown     Efficiency Rating: 0.83298
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58   0.0020207                  Core-Deposits     0.41309
              DMU36     0.90189                 Earning-Assets           0
              DMU31    0.096087                Interest-Income      1.9171
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      3.0913
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        9761        9761
     Earning-Assets       13331       15775
    Interest-Income        1635        1635
      Full-Time-Emp          23      11.947
         Salary-Exp         459      286.02
    Prem/Fxd-Assets         210      145.15
    Noninterest-Exp         533       255.9
      Interest-Exp*         819      682.21
   Purchased-Funds*        2103      755.86

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Summary Results for DMU19
Level: 1     Status: Unknown     Efficiency Rating: 0.93638
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.060633                  Core-Deposits           0
              DMU30     0.22106                 Earning-Assets    0.097695
              DMU58    0.029834                Interest-Income     0.24557
              DMU36     0.41204                  Full-Time-Emp    0.018884
              DMU57     0.27644                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  8.2704e-17
                                                 Interest-Exp*     0.32582
                                              Purchased-Funds*    0.023274
          Variables    Observed       Ideal
      Core-Deposits       64800       66534
     Earning-Assets  1.0641e+05  1.0641e+05
    Interest-Income       12522       12522
      Full-Time-Emp         109      102.07
         Salary-Exp        2620      2142.5
    Prem/Fxd-Assets        5149      1303.1
    Noninterest-Exp        2515      2254.4
      Interest-Exp*        6730      6301.9
   Purchased-Funds*       10921       10226

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Summary Results for DMU20
Level: 1     Status: Unknown     Efficiency Rating: 0.84196
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0007801                  Core-Deposits           0
              DMU30     0.12272                 Earning-Assets           0
              DMU74      0.3173                Interest-Income      1.2202
              DMU36      0.5592                  Full-Time-Emp           0
                                                    Salary-Exp     0.46919
                                               Prem/Fxd-Assets -4.4294e-17
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.76781
                                              Purchased-Funds*     0.26341
          Variables    Observed       Ideal
      Core-Deposits       11263       17168
     Earning-Assets       26710       28328
    Interest-Income        3125        3125
      Full-Time-Emp          25      17.838
         Salary-Exp         493      415.09
    Prem/Fxd-Assets         424      266.07
    Noninterest-Exp         579      423.65
      Interest-Exp*        1853      1560.1
   Purchased-Funds*        1585      1334.5

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Summary Results for DMU21
Level: 1     Status: Efficient     Efficiency Rating: 6.0894
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income     0.69096
                                                 Full-Time-Emp           0
                                                    Salary-Exp  2.5437e-15
                                               Prem/Fxd-Assets     0.17795
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*     0.15219

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Summary Results for DMU22
Level: 1     Status: Unknown     Efficiency Rating: 0.89372
      Reference Set       Value                    Multipliers       Value       Slack
              DMU89     0.22467                  Core-Deposits           0
              DMU67     0.32122                 Earning-Assets           0
              DMU30     0.29611                Interest-Income     0.76835
              DMU36       0.158                  Full-Time-Emp     0.16167
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.51893
                                              Purchased-Funds*     0.39179
          Variables    Observed       Ideal
      Core-Deposits       21837       29508
     Earning-Assets       42969       49188
    Interest-Income        5277        5277
      Full-Time-Emp          37      33.068
         Salary-Exp         893      741.47
    Prem/Fxd-Assets        1867      506.67
    Noninterest-Exp        1100      700.56
      Interest-Exp*        3371      3012.7
   Purchased-Funds*        1122      1002.8

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Summary Results for DMU23
Level: 1     Status: Unknown     Efficiency Rating: 0.89406
      Reference Set       Value                    Multipliers       Value       Slack
              DMU68    0.067841                  Core-Deposits           0
              DMU21  0.00019277                 Earning-Assets           0
              DMU33     0.61433                Interest-Income       2.316
              DMU36     0.31764                  Full-Time-Emp  8.0077e-16
                                                    Salary-Exp -1.3435e-16
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp      0.9256
                                                 Interest-Exp*      1.6984
                                              Purchased-Funds*      0.1286
          Variables    Observed       Ideal
      Core-Deposits        7833      9184.1
     Earning-Assets       15535       16558
    Interest-Income        1817        1817
      Full-Time-Emp          10      7.4842
         Salary-Exp         281      237.43
    Prem/Fxd-Assets         152      69.736
    Noninterest-Exp         196      175.24
      Interest-Exp*        1024      915.52
   Purchased-Funds*        1535      1372.4

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Summary Results for DMU24
Level: 1     Status: Efficient     Efficiency Rating: 4.2845
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits      2.8123
                                                Earning-Assets           0
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      5.1475
                                               Noninterest-Exp  1.3293e-14
                                                 Interest-Exp*           0
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU25
Level: 1     Status: Unknown     Efficiency Rating: 0.85384
      Reference Set       Value                    Multipliers       Value       Slack
              DMU67    0.032033                  Core-Deposits           0
              DMU74   0.0099483                 Earning-Assets           0
              DMU54    0.038558                Interest-Income      1.3622
              DMU33     0.68401                  Full-Time-Emp     0.53011
              DMU93     0.21361                     Salary-Exp    0.076512
              DMU83    0.021842                Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.24029
                                                 Interest-Exp*       0.594
                                              Purchased-Funds*     0.17548
          Variables    Observed       Ideal
      Core-Deposits        9230       14660
     Earning-Assets       26843       28926
    Interest-Income        3067        3067
      Full-Time-Emp          12      10.246
         Salary-Exp         352      300.55
    Prem/Fxd-Assets         408      164.97
    Noninterest-Exp         284      242.49
      Interest-Exp*        2105      1797.3
   Purchased-Funds*        3549      3030.3

################################################################################
Summary Results for DMU26
Level: 1     Status: Unknown     Efficiency Rating: 0.87424
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.048206                  Core-Deposits -6.3978e-17
              DMU57    0.074674                 Earning-Assets    0.075554
              DMU28    0.070043                Interest-Income      0.3445
              DMU58    0.019651                  Full-Time-Emp           0
              DMU93     0.78743                     Salary-Exp    0.090795
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.012881
                                                 Interest-Exp*     0.33616
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       41309       46081
     Earning-Assets       84866       84866
    Interest-Income        9710        9710
      Full-Time-Emp          78      62.024
         Salary-Exp        1500      1311.4
    Prem/Fxd-Assets        1914      823.54
    Noninterest-Exp        1465      1280.8
      Interest-Exp*        5881      5141.4
   Purchased-Funds*       15365       11950

################################################################################
Summary Results for DMU27
Level: 1     Status: Unknown     Efficiency Rating: 0.99081
      Reference Set       Value                    Multipliers       Value       Slack
              DMU30    0.089912                  Core-Deposits     0.10211
              DMU21    0.026842                 Earning-Assets           0
              DMU68     0.47335                Interest-Income      0.3669
              DMU83     0.26126                  Full-Time-Emp     0.24678
              DMU93     0.14864                     Salary-Exp           0
                                               Prem/Fxd-Assets     0.30756
                                               Noninterest-Exp -1.6216e-15
                                                 Interest-Exp*           0
                                              Purchased-Funds*    0.050235
          Variables    Observed       Ideal
      Core-Deposits       44536       44536
     Earning-Assets  1.0179e+05  1.0618e+05
    Interest-Income       11528       11528
      Full-Time-Emp          63      62.421
         Salary-Exp        1413        1326
    Prem/Fxd-Assets         859       851.1
    Noninterest-Exp        1902      983.39
      Interest-Exp*        7996      7186.1
   Purchased-Funds*        7561      7491.5

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Summary Results for DMU28
Level: 1     Status: Efficient     Efficiency Rating: 1.0395
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets     0.10627
                                               Interest-Income     0.37262
                                                 Full-Time-Emp           0
                                                    Salary-Exp     0.14776
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.018752
                                                 Interest-Exp*     0.30716
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU29
Level: 1     Status: Unknown     Efficiency Rating: 0.89209
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58    0.021313                  Core-Deposits  8.2681e-17
              DMU68     0.18996                 Earning-Assets      0.6875
              DMU93     0.10815                Interest-Income     0.34707
              DMU36     0.68058                  Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets     0.20306
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.97953
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       23932       24873
     Earning-Assets       38846       38846
    Interest-Income        3963        3963
      Full-Time-Emp          37       27.26
         Salary-Exp        1005      659.09
    Prem/Fxd-Assets         493       439.8
    Noninterest-Exp        1262      584.16
      Interest-Exp*        2192      1955.5
   Purchased-Funds*        8798      5246.9

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Summary Results for DMU30
Level: 1     Status: Efficient     Efficiency Rating: 1.8889
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.80104
                                                Earning-Assets           0
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets     0.46439
                                               Noninterest-Exp  8.7784e-17
                                                 Interest-Exp*  3.0993e-15
                                              Purchased-Funds*      0.6058

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Summary Results for DMU31
Level: 1     Status: Efficient     Efficiency Rating: 2.4929
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits      8.4496
                                                Earning-Assets           0
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      17.956
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU32
Level: 1     Status: Unknown     Efficiency Rating: 0.75203
      Reference Set       Value                    Multipliers       Value       Slack
              DMU33    0.066175                  Core-Deposits           0
              DMU31     0.81257                 Earning-Assets           0
              DMU99    0.066193                Interest-Income      3.5169
              DMU93    0.055065                  Full-Time-Emp      1.1848
                                                    Salary-Exp      1.3322
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      2.7382
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        1948      5676.6
     Earning-Assets        6800      7255.2
    Interest-Income         715         715
      Full-Time-Emp           7      5.2642
         Salary-Exp         132      99.268
    Prem/Fxd-Assets         112      71.549
    Noninterest-Exp         115      82.988
      Interest-Exp*         450      338.41
   Purchased-Funds*        2709      644.41

################################################################################
Summary Results for DMU33
Level: 1     Status: Efficient     Efficiency Rating: 1.5254
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits      2.1397
                                                Earning-Assets -4.1987e-16
                                               Interest-Income      1.1167
                                                 Full-Time-Emp      2.6046
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      2.9607
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      1.0902

################################################################################
Summary Results for DMU34
Level: 1     Status: Unknown     Efficiency Rating: 0.89475
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.013529                  Core-Deposits    0.039157
              DMU33      0.3721                 Earning-Assets           0
             DMU102     0.19444                Interest-Income     0.62129
              DMU30     0.25991                  Full-Time-Emp           0
              DMU51      0.1421                     Salary-Exp     0.10961
              DMU83     0.01792                Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.23635
                                                 Interest-Exp*     0.37406
                                              Purchased-Funds*     0.06226
          Variables    Observed       Ideal
      Core-Deposits       29923       29923
     Earning-Assets       57252       58169
    Interest-Income        6052        6052
      Full-Time-Emp          44      35.126
         Salary-Exp         865      773.96
    Prem/Fxd-Assets         881      666.34
    Noninterest-Exp         721      645.12
      Interest-Exp*        3926      3512.8
   Purchased-Funds*        2508        2244

################################################################################
Summary Results for DMU35
Level: 1     Status: Inefficient     Efficiency Rating: 0.69302
      Reference Set       Value                    Multipliers       Value       Slack
              DMU31     0.38005                  Core-Deposits           0
              DMU68     0.18585                 Earning-Assets           0
              DMU36      0.4341                Interest-Income      1.9664
                                                 Full-Time-Emp  4.2128e-17
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.75982
                                                 Interest-Exp*       1.728
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        4619      8630.4
     Earning-Assets       10045       14932
    Interest-Income        1560        1560
      Full-Time-Emp          13      8.9055
         Salary-Exp         340      231.31
    Prem/Fxd-Assets         303      82.532
    Noninterest-Exp         255      176.72
      Interest-Exp*        1058      733.22
   Purchased-Funds*        2907      1434.6

################################################################################
Summary Results for DMU36
Level: 1     Status: Efficient     Efficiency Rating: 1.2471
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      1.7955
                                               Interest-Income      1.7074
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets     0.86468
                                               Noninterest-Exp           0
                                                 Interest-Exp*      3.1231
                                              Purchased-Funds*     0.24717

################################################################################
Summary Results for DMU37
Level: 1     Status: Inefficient     Efficiency Rating: 0.85257
      Reference Set       Value                    Multipliers       Value       Slack
              DMU68    0.048567                  Core-Deposits  3.4267e-18
              DMU58   0.0053468                 Earning-Assets     0.20382
              DMU21   0.0060322                Interest-Income     0.88262
              DMU36     0.52039                  Full-Time-Emp           0
              DMU93     0.41966                     Salary-Exp    0.024414
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.19712
                                                 Interest-Exp*     0.95527
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       15677       19791
     Earning-Assets       35569       35569
    Interest-Income        3686        3686
      Full-Time-Emp          26      18.283
         Salary-Exp         517      440.78
    Prem/Fxd-Assets         725      248.81
    Noninterest-Exp         470      400.71
      Interest-Exp*        2251      1919.1
   Purchased-Funds*       11908      4726.9

################################################################################
Summary Results for DMU38
Level: 1     Status: Unknown     Efficiency Rating: 0.87592
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.063101                  Core-Deposits  5.9979e-17
              DMU36      0.8934                 Earning-Assets     0.71895
              DMU58    0.043496                Interest-Income           0
                                                 Full-Time-Emp     0.10886
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.75433
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       25189       35957
     Earning-Assets       50271       50271
    Interest-Income        5041      5086.5
      Full-Time-Emp          50      43.796
         Salary-Exp        1212      989.52
    Prem/Fxd-Assets        1309      787.97
    Noninterest-Exp        1260      927.39
      Interest-Exp*        2772        2428
   Purchased-Funds*       20357      6794.4

################################################################################
Summary Results for DMU39
Level: 1     Status: Unknown     Efficiency Rating: 0.98441
      Reference Set       Value                    Multipliers       Value       Slack
              DMU89     0.24897                  Core-Deposits           0
              DMU30     0.03809                 Earning-Assets           0
              DMU99     0.15002                Interest-Income      1.2181
              DMU74     0.55975                  Full-Time-Emp     0.18585
              DMU83   0.0031678                     Salary-Exp     0.73068
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.34799
                                              Purchased-Funds*     0.40523
          Variables    Observed       Ideal
      Core-Deposits       10188       17691
     Earning-Assets       26888       29782
    Interest-Income        3583        3583
      Full-Time-Emp          22      21.657
         Salary-Exp         422      415.42
    Prem/Fxd-Assets         847      381.14
    Noninterest-Exp         635      494.52
      Interest-Exp*        2015      1983.6
   Purchased-Funds*        1450      1427.4

################################################################################
Summary Results for DMU40
Level: 1     Status: Efficient     Efficiency Rating: 1.158
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      7.0958
                                               Noninterest-Exp           0
                                                 Interest-Exp*      2.2043
                                              Purchased-Funds*      9.1498

################################################################################
Summary Results for DMU41
Level: 1     Status: Unknown     Efficiency Rating: 0.89671
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.017966                  Core-Deposits    0.022031
              DMU36     0.96018                 Earning-Assets           0
              DMU58    0.021858                Interest-Income     0.95136
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.1519
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       23293       23293
     Earning-Assets       34311       37237
    Interest-Income        4268        4268
      Full-Time-Emp          54      37.021
         Salary-Exp        1173      804.06
    Prem/Fxd-Assets         636      472.12
    Noninterest-Exp        1210      734.31
      Interest-Exp*        2198        1971
   Purchased-Funds*        4640        3724

################################################################################
Summary Results for DMU42
Level: 1     Status: Efficient     Efficiency Rating: 1.3558
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp      4.2113
                                               Prem/Fxd-Assets      8.9207
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*     0.87726

################################################################################
Summary Results for DMU43
Level: 1     Status: Efficient     Efficiency Rating: 1e+06
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits       30830
                                                Earning-Assets  9.7248e-12
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*   0.0024207

################################################################################
Summary Results for DMU44
Level: 1     Status: Efficient     Efficiency Rating: 1.0253
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      7.2642
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      6.3613
                                              Purchased-Funds*      9.3088

################################################################################
Summary Results for DMU45
Level: 1     Status: Efficient     Efficiency Rating: 1.321
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.39668
                                                Earning-Assets  5.7816e-16
                                               Interest-Income           0
                                                 Full-Time-Emp     0.11023
                                                    Salary-Exp  2.7644e-16
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      0.2516

################################################################################
Summary Results for DMU46
Level: 1     Status: Unknown     Efficiency Rating: 0.87817
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.023292                  Core-Deposits  1.0405e-16
              DMU57    0.014467                 Earning-Assets    0.025342
              DMU68     0.17786                Interest-Income     0.82711
              DMU74     0.78438                  Full-Time-Emp     0.18014
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.72608
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       11133       18264
     Earning-Assets       37013       37013
    Interest-Income        4903        4903
      Full-Time-Emp          32      28.101
         Salary-Exp         981      610.72
    Prem/Fxd-Assets        1358      287.11
    Noninterest-Exp        1150      624.67
      Interest-Exp*        2844      2497.5
   Purchased-Funds*       17511        3547

################################################################################
Summary Results for DMU47
Level: 1     Status: Efficient     Efficiency Rating: 1.0485
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits  1.4111e-16
                                                Earning-Assets     0.25349
                                               Interest-Income           0
                                                 Full-Time-Emp    0.085788
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.030157
                                                 Interest-Exp*     0.15433
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU48
Level: 1     Status: Unknown     Efficiency Rating: 0.98027
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21  0.00091299                  Core-Deposits           0
              DMU67     0.11198                 Earning-Assets           0
              DMU33     0.74056                Interest-Income      1.9121
              DMU68    0.032183                  Full-Time-Emp      0.4802
              DMU54     0.10663                     Salary-Exp     0.71518
              DMU83   0.0077375                Prem/Fxd-Assets      1.0923
                                               Noninterest-Exp     0.23631
                                                 Interest-Exp*           0
                                              Purchased-Funds*     0.42746
          Variables    Observed       Ideal
      Core-Deposits        7972       11277
     Earning-Assets       22064       23183
    Interest-Income        2692        2692
      Full-Time-Emp          10      9.8027
         Salary-Exp         321      314.67
    Prem/Fxd-Assets         132       129.4
    Noninterest-Exp         266      260.75
      Interest-Exp*        1606      1551.7
   Purchased-Funds*        1866      1829.2

################################################################################
Summary Results for DMU49
Level: 1     Status: Unknown     Efficiency Rating: 0.92423
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58   0.0053465                  Core-Deposits  1.0484e-18
              DMU57     0.15526                 Earning-Assets    0.074425
              DMU30     0.37879                Interest-Income     0.41365
              DMU93     0.25265                  Full-Time-Emp    0.067525
              DMU36     0.19044                     Salary-Exp           0
              DMU21     0.01751                Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.023865
                                                 Interest-Exp*     0.41371
                                              Purchased-Funds*   0.0078304
          Variables    Observed       Ideal
      Core-Deposits       46590       50072
     Earning-Assets       79697       79697
    Interest-Income        8578        8578
      Full-Time-Emp          60      55.454
         Salary-Exp        1457      1222.5
    Prem/Fxd-Assets        1613      811.78
    Noninterest-Exp        1422      1314.3
      Interest-Exp*        4938      4563.8
   Purchased-Funds*        7071      6535.2

################################################################################
Summary Results for DMU50
Level: 1     Status: Efficient     Efficiency Rating: 1.1791
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets       1.965
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp      1.1161
                                               Prem/Fxd-Assets      1.6938
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      0.5482

################################################################################
Summary Results for DMU51
Level: 1     Status: Efficient     Efficiency Rating: 1.0288
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits    0.085479
                                                Earning-Assets  3.2541e-17
                                               Interest-Income     0.87856
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.47345
                                                 Interest-Exp*     0.58281
                                              Purchased-Funds*    0.081983

################################################################################
Summary Results for DMU52
Level: 1     Status: Efficient     Efficiency Rating: 1.8692
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      7.0428
                                               Interest-Income  1.3379e-16
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      21.225
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      5.3063

################################################################################
Summary Results for DMU53
Level: 1     Status: Unknown     Efficiency Rating: 0.83026
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58    0.012927                  Core-Deposits -5.1855e-18
              DMU21   0.0070048                 Earning-Assets    0.087534
              DMU36     0.98007                Interest-Income      1.2572
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  9.4727e-16
                                                 Interest-Exp*      1.5745
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       16769       17198
     Earning-Assets       27199       27199
    Interest-Income        2973        2973
      Full-Time-Emp          30      24.467
         Salary-Exp         687      551.37
    Prem/Fxd-Assets         435      324.25
    Noninterest-Exp         607      502.47
      Interest-Exp*        1608      1335.1
   Purchased-Funds*        4655      2358.1

################################################################################
Summary Results for DMU54
Level: 1     Status: Efficient     Efficiency Rating: 1.2481
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets -3.1882e-16
                                               Interest-Income      1.0318
                                                 Full-Time-Emp      1.1744
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets     0.01661
                                               Noninterest-Exp  1.0914e-15
                                                 Interest-Exp*           0
                                              Purchased-Funds*     0.24289

################################################################################
Summary Results for DMU56
Level: 1     Status: Unknown     Efficiency Rating: 0.8448
      Reference Set       Value                    Multipliers       Value       Slack
              DMU31     0.69511                  Core-Deposits           0
              DMU33     0.15262                 Earning-Assets           0
              DMU36    0.047624                Interest-Income      3.1979
              DMU93     0.10464                  Full-Time-Emp     0.62953
                                                    Salary-Exp     0.77549
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      2.7191
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        3680      7420.2
     Earning-Assets        9739       10852
    Interest-Income        1083        1083
      Full-Time-Emp           7      5.9136
         Salary-Exp         155      130.94
    Prem/Fxd-Assets         126      79.738
    Noninterest-Exp         154      108.59
      Interest-Exp*         642      542.36
   Purchased-Funds*        1716      1156.3

################################################################################
Summary Results for DMU57
Level: 1     Status: Efficient     Efficiency Rating: 1.0247
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits        0.05
                                                Earning-Assets           0
                                               Interest-Income     0.23639
                                                 Full-Time-Emp           0
                                                    Salary-Exp    0.037008
                                               Prem/Fxd-Assets    0.048549
                                               Noninterest-Exp           0
                                                 Interest-Exp*       0.247
                                              Purchased-Funds*  1.1339e-17

################################################################################
Summary Results for DMU58
Level: 1     Status: Efficient     Efficiency Rating: 1.4899
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits    0.049994
                                                Earning-Assets  3.4721e-16
                                               Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp   3.921e-17
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*    0.040241
                                              Purchased-Funds*    0.010792

################################################################################
Summary Results for DMU59
Level: 1     Status: Unknown     Efficiency Rating: 0.92482
      Reference Set       Value                    Multipliers       Value       Slack
              DMU24    0.030306                  Core-Deposits      0.7306
              DMU68     0.16592                 Earning-Assets           0
              DMU33     0.48583                Interest-Income      1.0297
              DMU21   0.0040679                  Full-Time-Emp           0
              DMU36     0.29626                     Salary-Exp           0
              DMU30     0.01762                Prem/Fxd-Assets      1.3128
                                               Noninterest-Exp    0.061614
                                                 Interest-Exp*      1.1308
                                              Purchased-Funds*     0.21361
          Variables    Observed       Ideal
      Core-Deposits       12173       12173
     Earning-Assets       22204       22635
    Interest-Income        2531        2531
      Full-Time-Emp          17      12.727
         Salary-Exp         420      352.46
    Prem/Fxd-Assets          96      88.782
    Noninterest-Exp         305      282.07
      Interest-Exp*        1426      1318.8
   Purchased-Funds*        2533      2342.6

################################################################################
Summary Results for DMU60
Level: 1     Status: Unknown     Efficiency Rating: 0.86865
      Reference Set       Value                    Multipliers       Value       Slack
              DMU36     0.82461                  Core-Deposits  4.6482e-17
              DMU21    0.011727                 Earning-Assets     0.14933
              DMU57      0.1246                Interest-Income     0.79318
              DMU58   0.0044818                  Full-Time-Emp -1.0064e-16
              DMU93    0.034576                     Salary-Exp     0.15935
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.024824
                                                 Interest-Exp*     0.83057
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       21446       24114
     Earning-Assets       38698       38698
    Interest-Income        4321        4321
      Full-Time-Emp          47      32.818
         Salary-Exp         834      724.46
    Prem/Fxd-Assets        1799      428.32
    Noninterest-Exp         902      783.52
      Interest-Exp*        2379      2066.5
   Purchased-Funds*        5656      3525.1

################################################################################
Summary Results for DMU61
Level: 1     Status: Efficient     Efficiency Rating: 1.0219
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income     0.37424
                                                 Full-Time-Emp     0.13615
                                                    Salary-Exp  1.7596e-17
                                               Prem/Fxd-Assets   0.0036326
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.23256
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU62
Level: 1     Status: Efficient     Efficiency Rating: 1e+06
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits  9.3936e-09
                                                Earning-Assets   3.975e-09
                                               Interest-Income       39433
                                                 Full-Time-Emp    0.013969
                                                    Salary-Exp  2.3557e-09
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*  2.7639e-09
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU63
Level: 1     Status: Unknown     Efficiency Rating: 0.89001
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.033809                  Core-Deposits           0
              DMU30     0.28286                 Earning-Assets    0.089559
              DMU74      0.2337                Interest-Income     0.70119
              DMU21   0.0092793                  Full-Time-Emp           0
             DMU102    0.047164                     Salary-Exp     0.11374
              DMU36     0.39319                Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.17679
                                                 Interest-Exp*     0.54491
                                              Purchased-Funds*    0.050667
          Variables    Observed       Ideal
      Core-Deposits       19567       26857
     Earning-Assets       46361       46361
    Interest-Income        5122        5122
      Full-Time-Emp          39      31.148
         Salary-Exp         772      687.09
    Prem/Fxd-Assets        1075      440.41
    Noninterest-Exp         751       668.4
      Interest-Exp*        3047      2711.9
   Purchased-Funds*        2206      1963.4

################################################################################
Summary Results for DMU64
Level: 1     Status: Unknown     Efficiency Rating: 0.88162
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.014247                  Core-Deposits    0.048114
              DMU74     0.61726                 Earning-Assets           0
              DMU57    0.021669                Interest-Income     0.98877
              DMU30    0.036373                  Full-Time-Emp     0.19378
              DMU36     0.31045                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      0.8823
                                              Purchased-Funds*    0.041143
          Variables    Observed       Ideal
      Core-Deposits       17679       17679
     Earning-Assets       31251       32215
    Interest-Income        4058        4058
      Full-Time-Emp          28      24.685
         Salary-Exp         689      530.49
    Prem/Fxd-Assets        1104      304.49
    Noninterest-Exp         655       572.8
      Interest-Exp*        2290      2018.9
   Purchased-Funds*        2578      2272.8

################################################################################
Summary Results for DMU65
Level: 1     Status: Unknown     Efficiency Rating: 0.88724
      Reference Set       Value                    Multipliers       Value       Slack
              DMU33    0.019492                  Core-Deposits           0
              DMU31      0.9266                 Earning-Assets           0
              DMU36    0.053907                Interest-Income      6.3768
                                                 Full-Time-Emp      2.5539
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      6.2357
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        1929        4727
     Earning-Assets        4898      4980.1
    Interest-Income         485         485
      Full-Time-Emp           6      5.3234
         Salary-Exp         160      93.445
    Prem/Fxd-Assets         141      64.834
    Noninterest-Exp         167      76.681
      Interest-Exp*         207      183.66
   Purchased-Funds*        1071      191.98

################################################################################
Summary Results for DMU66
Level: 1     Status: Unknown     Efficiency Rating: 0.99264
      Reference Set       Value                    Multipliers       Value       Slack
              DMU68     0.23091                  Core-Deposits           0
              DMU51      0.3547                 Earning-Assets     0.19454
              DMU21   0.0055299                Interest-Income     0.72164
              DMU36      0.1569                  Full-Time-Emp  1.5786e-16
              DMU93     0.10714                     Salary-Exp     0.01865
              DMU30     0.14482                Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.22595
                                                 Interest-Exp*     0.71658
                                              Purchased-Funds*    0.033886
          Variables    Observed       Ideal
      Core-Deposits       16211       24317
     Earning-Assets       46511       46511
    Interest-Income        4997        4997
      Full-Time-Emp          33      28.408
         Salary-Exp         662      657.13
    Prem/Fxd-Assets        1878      493.27
    Noninterest-Exp         515      511.21
      Interest-Exp*        2763      2742.7
   Purchased-Funds*        3710      3682.7

################################################################################
Summary Results for DMU67
Level: 1     Status: Efficient     Efficiency Rating: 1.385
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      1.4831
                                               Interest-Income     0.12459
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      1.5023
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      2.4258

################################################################################
Summary Results for DMU68
Level: 1     Status: Efficient     Efficiency Rating: 2.6279
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits  1.3449e-15
                                                Earning-Assets      2.0824
                                               Interest-Income      1.3062
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets      8.0655
                                               Noninterest-Exp      1.5076
                                                 Interest-Exp*           0
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU69
Level: 1     Status: Unknown     Efficiency Rating: 0.85924
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0050589                  Core-Deposits           0
              DMU57    0.004556                 Earning-Assets     0.13457
              DMU74     0.57841                Interest-Income     0.87101
              DMU93     0.35326                  Full-Time-Emp           0
              DMU36    0.058709                     Salary-Exp     0.20008
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp   0.0071771
                                                 Interest-Exp*     0.88175
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       15657       19204
     Earning-Assets       35498       35498
    Interest-Income        4016        4016
      Full-Time-Emp          23      16.446
         Salary-Exp         444       381.5
    Prem/Fxd-Assets         660      267.57
    Noninterest-Exp         493       423.6
      Interest-Exp*        2497      2145.5
   Purchased-Funds*        5633      4346.5

################################################################################
Summary Results for DMU71
Level: 1     Status: Unknown     Efficiency Rating: 0.86954
      Reference Set       Value                    Multipliers       Value       Slack
              DMU61     0.30238                  Core-Deposits  3.1949e-17
              DMU57     0.33717                 Earning-Assets    0.014281
              DMU28      0.3169                Interest-Income     0.27427
              DMU21    0.018075                  Full-Time-Emp    0.090469
              DMU79    0.025483                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp   0.0035105
                                                 Interest-Exp*     0.18749
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       54564       66804
     Earning-Assets  1.2314e+05  1.2314e+05
    Interest-Income       14404       14404
      Full-Time-Emp         104      90.432
         Salary-Exp        2974      2132.8
    Prem/Fxd-Assets        3623      1851.1
    Noninterest-Exp        3040      2643.4
      Interest-Exp*        9233      8028.4
   Purchased-Funds*       43844       22184

################################################################################
Summary Results for DMU72
Level: 1     Status: Unknown     Efficiency Rating: 0.89845
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.013883                  Core-Deposits           0
              DMU30     0.36446                 Earning-Assets    0.081135
              DMU74     0.25025                Interest-Income     0.66803
              DMU36     0.36774                  Full-Time-Emp      0.1406
              DMU57   0.0036649                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.62874
                                              Purchased-Funds*    0.024443
          Variables    Observed       Ideal
      Core-Deposits       19813       29964
     Earning-Assets       49690       49690
    Interest-Income        5593        5593
      Full-Time-Emp          39      35.039
         Salary-Exp         898       771.1
    Prem/Fxd-Assets        1286      458.25
    Noninterest-Exp         929      764.45
      Interest-Exp*        3264      2932.5
   Purchased-Funds*        2143      1925.4

################################################################################
Summary Results for DMU73
Level: 1     Status: Efficient     Efficiency Rating: 1.1165
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits      1.0755
                                                Earning-Assets           0
                                               Interest-Income     0.59734
                                                 Full-Time-Emp           0
                                                    Salary-Exp      2.4989
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*     0.45282

################################################################################
Summary Results for DMU74
Level: 1     Status: Efficient     Efficiency Rating: 1.0917
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income      1.4346
                                                 Full-Time-Emp   -2.01e-17
                                                    Salary-Exp     0.68701
                                               Prem/Fxd-Assets    0.054665
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.81011
                                              Purchased-Funds*     0.14693

################################################################################
Summary Results for DMU75
Level: 1     Status: Unknown     Efficiency Rating: 0.88441
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.054513                  Core-Deposits           0
              DMU31     0.92485                 Earning-Assets      3.4983
               DMU9    0.020636                Interest-Income           0
                                                 Full-Time-Emp      3.0438
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      3.3315
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        3169      5499.5
     Earning-Assets        6540        6540
    Interest-Income         521      623.11
      Full-Time-Emp           6      5.3064
         Salary-Exp         154      93.258
    Prem/Fxd-Assets         669      70.665
    Noninterest-Exp         153      78.447
      Interest-Exp*         316      279.47
   Purchased-Funds*         931      596.18

################################################################################
Summary Results for DMU76
Level: 1     Status: Efficient     Efficiency Rating: 1.1907
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits      3.4105
                                                Earning-Assets      1.5481
                                               Interest-Income           0
                                                 Full-Time-Emp      7.0143
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets   8.714e-18
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      3.8274

################################################################################
Summary Results for DMU78
Level: 1     Status: Unknown     Efficiency Rating: 0.8746
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0052685                  Core-Deposits           0
              DMU58    0.032167                 Earning-Assets     0.24189
              DMU30     0.21343                Interest-Income     0.43739
              DMU36     0.74914                  Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  1.4339e-15
                                                 Interest-Exp*     0.67399
                                              Purchased-Funds*    0.061695
          Variables    Observed       Ideal
      Core-Deposits       35117       39125
     Earning-Assets       56956       56956
    Interest-Income        5929        5929
      Full-Time-Emp          64      47.016
         Salary-Exp        1476      1051.4
    Prem/Fxd-Assets        1692      775.75
    Noninterest-Exp        1384      995.24
      Interest-Exp*        3381        2957
   Purchased-Funds*        6050      5291.3

################################################################################
Summary Results for DMU79
Level: 1     Status: Efficient     Efficiency Rating: 1.3
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits    0.095761
                                                Earning-Assets    0.071767
                                               Interest-Income           0
                                                 Full-Time-Emp    0.025264
                                                    Salary-Exp  7.7403e-18
                                               Prem/Fxd-Assets     0.14693
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*   0.0050609

################################################################################
Summary Results for DMU80
Level: 1     Status: Unknown     Efficiency Rating: 0.872
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0030163                  Core-Deposits    0.060706
              DMU51     0.27124                 Earning-Assets           0
              DMU68     0.22687                Interest-Income     0.88335
              DMU93    0.064403                  Full-Time-Emp           0
              DMU36     0.31848                     Salary-Exp    0.045412
              DMU30     0.11599                Prem/Fxd-Assets -2.0229e-18
                                               Noninterest-Exp     0.29473
                                                 Interest-Exp*     0.67733
                                              Purchased-Funds*    0.046592
          Variables    Observed       Ideal
      Core-Deposits       20976       20976
     Earning-Assets       37886       39678
    Interest-Income        4230        4230
      Full-Time-Emp          29      23.939
         Salary-Exp         651      567.68
    Prem/Fxd-Assets         835      402.01
    Noninterest-Exp         507      442.11
      Interest-Exp*        2616      2281.2
   Purchased-Funds*        3537      3084.3

################################################################################
Summary Results for DMU81
Level: 1     Status: Efficient     Efficiency Rating: 1.011
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets    0.063827
                                               Interest-Income      1.3349
                                                 Full-Time-Emp     0.25254
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.2508
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU82
Level: 1     Status: Unknown     Efficiency Rating: 0.92761
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58   0.0037796                  Core-Deposits           0
              DMU36     0.59934                 Earning-Assets      1.2813
              DMU93     0.39688                Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets  5.7259e-16
                                               Noninterest-Exp     0.22408
                                                 Interest-Exp*      1.3199
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       12725       17702
     Earning-Assets       30846       30846
    Interest-Income        2893      3050.9
      Full-Time-Emp          18       13.85
         Salary-Exp         381      347.53
    Prem/Fxd-Assets         375      219.92
    Noninterest-Exp         349      323.74
      Interest-Exp*        1703      1579.7
   Purchased-Funds*        5880      3977.1

################################################################################
Summary Results for DMU83
Level: 1     Status: Efficient     Efficiency Rating: 2.2213
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets      0.4292
                                               Interest-Income  2.7479e-16
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets    0.001354
                                               Noninterest-Exp      0.3226
                                                 Interest-Exp*           0
                                              Purchased-Funds*    0.051796

################################################################################
Summary Results for DMU84
Level: 1     Status: Unknown     Efficiency Rating: 0.97118
      Reference Set       Value                    Multipliers       Value       Slack
              DMU83     0.14783                  Core-Deposits           0
              DMU58    0.011967                 Earning-Assets      0.4815
              DMU93     0.73522                Interest-Income           0
              DMU30     0.10498                  Full-Time-Emp           0
                                                    Salary-Exp     0.16622
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.33115
                                              Purchased-Funds*    0.011173
          Variables    Observed       Ideal
      Core-Deposits       42574       46449
     Earning-Assets       90468       90468
    Interest-Income        8733        8984
      Full-Time-Emp          50       43.06
         Salary-Exp         974      945.93
    Prem/Fxd-Assets        1840      831.55
    Noninterest-Exp        1030      809.14
      Interest-Exp*        5682      5518.2
   Purchased-Funds*        9517      9242.7

################################################################################
Summary Results for DMU85
Level: 1     Status: Unknown     Efficiency Rating: 0.87837
      Reference Set       Value                    Multipliers       Value       Slack
              DMU58   0.0041705                  Core-Deposits           0
              DMU36     0.86676                 Earning-Assets      1.6974
              DMU93     0.12907                Interest-Income           0
                                                 Full-Time-Emp           0
                                                    Salary-Exp     0.27863
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.7628
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        6878       13582
     Earning-Assets       22594       22594
    Interest-Income        2271      2293.2
      Full-Time-Emp          19      14.145
         Salary-Exp         392      344.32
    Prem/Fxd-Assets         501      197.21
    Noninterest-Exp         511      314.07
      Interest-Exp*        1215      1067.2
   Purchased-Funds*       13861        2038

################################################################################
Summary Results for DMU86
Level: 1     Status: Unknown     Efficiency Rating: 0.95125
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21    0.026733                  Core-Deposits  2.2597e-17
              DMU58     0.06629                 Earning-Assets    0.031333
              DMU57     0.16216                Interest-Income     0.31613
              DMU68     0.24999                  Full-Time-Emp    0.055625
              DMU93     0.49482                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp    0.010529
                                                 Interest-Exp*     0.30238
                                              Purchased-Funds*  3.1733e-19
          Variables    Observed       Ideal
      Core-Deposits       65052       74689
     Earning-Assets   1.145e+05   1.145e+05
    Interest-Income       12267       12267
      Full-Time-Emp          96       91.32
         Salary-Exp        2616      2027.2
    Prem/Fxd-Assets        3018      1480.4
    Noninterest-Exp        2125      2021.4
      Interest-Exp*        6674      6348.6
   Purchased-Funds*       20890       17441

################################################################################
Summary Results for DMU87
Level: 1     Status: Unknown     Efficiency Rating: 0.96277
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21   0.0048115                  Core-Deposits    0.036041
              DMU51    0.081036                 Earning-Assets           0
              DMU68     0.22037                Interest-Income     0.71463
             DMU102     0.12217                  Full-Time-Emp     0.03244
              DMU93     0.43824                     Salary-Exp     0.01571
              DMU30     0.12803                Prem/Fxd-Assets           0
              DMU83   0.0053455                Noninterest-Exp     0.28172
                                                 Interest-Exp*     0.46335
                                              Purchased-Funds*     0.04733
          Variables    Observed       Ideal
      Core-Deposits       28855       28855
     Earning-Assets       53217       57807
    Interest-Income        5975        5975
      Full-Time-Emp          29       27.92
         Salary-Exp         680      654.69
    Prem/Fxd-Assets        1148      465.69
    Noninterest-Exp         565      543.97
      Interest-Exp*        3552      3419.8
   Purchased-Funds*        6034      5809.4

################################################################################
Summary Results for DMU88
Level: 1     Status: Unknown     Efficiency Rating: 0.90882
      Reference Set       Value                    Multipliers       Value       Slack
              DMU57    0.068163                  Core-Deposits    0.035403
              DMU58    0.037898                 Earning-Assets           0
              DMU21    0.007392                Interest-Income     0.66558
              DMU36     0.88655                  Full-Time-Emp  5.9028e-18
                                                    Salary-Exp      0.1233
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp  1.4205e-15
                                                 Interest-Exp*     0.65634
                                              Purchased-Funds* -1.7552e-18
          Variables    Observed       Ideal
      Core-Deposits       38162       38162
     Earning-Assets       48776       54640
    Interest-Income        5779        5779
      Full-Time-Emp          56       50.18
         Salary-Exp        1223      1111.5
    Prem/Fxd-Assets        2370      826.57
    Noninterest-Exp        1262      1101.2
      Interest-Exp*        3037      2760.1
   Purchased-Funds*       10804      6768.9

################################################################################
Summary Results for DMU89
Level: 1     Status: Efficient     Efficiency Rating: 1e+06
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits  8.7889e+05
                                                Earning-Assets  4.0543e-11
                                               Interest-Income           0
                                                 Full-Time-Emp  4.0543e-11
                                                    Salary-Exp      1.0841
                                               Prem/Fxd-Assets  8.4795e-11
                                               Noninterest-Exp  4.0543e-11
                                                 Interest-Exp*   1.812e-10
                                              Purchased-Funds*  4.0299e+06

################################################################################
Summary Results for DMU90
Level: 1     Status: Unknown     Efficiency Rating: 0.94818
      Reference Set       Value                    Multipliers       Value       Slack
              DMU57    0.057906                  Core-Deposits           0
              DMU74   0.0011822                 Earning-Assets      0.1875
              DMU36     0.62424                Interest-Income      1.1652
              DMU93     0.31667                  Full-Time-Emp  1.3143e-16
                                                    Salary-Exp     0.28203
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.1875
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       14895       19291
     Earning-Assets       32585       32585
    Interest-Income        3284        3284
      Full-Time-Emp          20      16.679
         Salary-Exp         428      405.82
    Prem/Fxd-Assets         617      257.96
    Noninterest-Exp         494      432.81
      Interest-Exp*        1769      1677.3
   Purchased-Funds*       10583      3790.1

################################################################################
Summary Results for DMU91
Level: 1     Status: Unknown     Efficiency Rating: 0.99374
      Reference Set       Value                    Multipliers       Value       Slack
              DMU57     0.20234                  Core-Deposits           0
              DMU74     0.71348                 Earning-Assets    0.024465
              DMU81    0.061394                Interest-Income     0.63958
              DMU21     0.02279                  Full-Time-Emp     0.13119
                                                    Salary-Exp  7.9862e-18
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.57823
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       27845       33199
     Earning-Assets       56461       56461
    Interest-Income        6907        6907
      Full-Time-Emp          47      46.706
         Salary-Exp        1279       993.8
    Prem/Fxd-Assets        2471      688.91
    Noninterest-Exp        1487      1219.3
      Interest-Exp*        3515        3493
   Purchased-Funds*       19025      6268.5

################################################################################
Summary Results for DMU92
Level: 1     Status: Efficient     Efficiency Rating: 1.0034
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income       3.723
                                                 Full-Time-Emp     0.89943
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets       1.558
                                               Noninterest-Exp  3.8892e-17
                                                 Interest-Exp*      1.9855
                                              Purchased-Funds*       2.657

################################################################################
Summary Results for DMU93
Level: 1     Status: Efficient     Efficiency Rating: 1.8863
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.74885
                                                Earning-Assets      0.7827
                                               Interest-Income           0
                                                 Full-Time-Emp     0.29589
                                                    Salary-Exp      1.8052
                                               Prem/Fxd-Assets     0.12729
                                               Noninterest-Exp     0.16349
                                                 Interest-Exp*           0
                                              Purchased-Funds*           0

################################################################################
Summary Results for DMU94
Level: 1     Status: Unknown     Efficiency Rating: 0.87411
      Reference Set       Value                    Multipliers       Value       Slack
              DMU51      0.1022                  Core-Deposits     0.16704
              DMU83   0.0037192                 Earning-Assets     0.72794
             DMU102    0.034899                Interest-Income     0.81104
              DMU30    0.040983                  Full-Time-Emp           0
              DMU36     0.47667                     Salary-Exp           0
              DMU31     0.34153                Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.95328
                                                 Interest-Exp*     0.98988
                                              Purchased-Funds*     0.30962
          Variables    Observed       Ideal
      Core-Deposits       11873       11873
     Earning-Assets       21158       21158
    Interest-Income        2196        2196
      Full-Time-Emp          20      15.271
         Salary-Exp         409      330.38
    Prem/Fxd-Assets         425       257.3
    Noninterest-Exp         312      272.72
      Interest-Exp*        1277      1116.2
   Purchased-Funds*         894      781.45

################################################################################
Summary Results for DMU95
Level: 1     Status: Unknown     Efficiency Rating: 0.76606
      Reference Set       Value                    Multipliers       Value       Slack
              DMU81     0.16157                  Core-Deposits    0.026743
              DMU57    0.010125                 Earning-Assets           0
              DMU74     0.17749                Interest-Income      1.4754
              DMU36     0.64756                  Full-Time-Emp     0.26612
              DMU21   0.0032534                     Salary-Exp   0.0042385
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      1.3566
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits       11453       11453
     Earning-Assets       21609       22087
    Interest-Income        2533        2533
      Full-Time-Emp          22      16.853
         Salary-Exp         520      398.35
    Prem/Fxd-Assets        1750      335.21
    Noninterest-Exp         632      470.19
      Interest-Exp*        1511      1157.5
   Purchased-Funds*        5318      3445.7

################################################################################
Summary Results for DMU96
Level: 1     Status: Efficient     Efficiency Rating: 1.1058
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits     0.18345
                                                Earning-Assets    0.088604
                                               Interest-Income  1.6274e-15
                                                 Full-Time-Emp    3.93e-16
                                                    Salary-Exp     0.34913
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*   0.0072273

################################################################################
Summary Results for DMU97
Level: 1     Status: Unknown     Efficiency Rating: 0.89649
      Reference Set       Value                    Multipliers       Value       Slack
              DMU93    0.038717                  Core-Deposits  5.2199e-17
              DMU30     0.86001                 Earning-Assets     0.29328
              DMU58    0.060941                Interest-Income           0
              DMU47    0.040335                  Full-Time-Emp    0.097753
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      0.1997
                                              Purchased-Funds*    0.007307
          Variables    Observed       Ideal
      Core-Deposits       70280       91741
     Earning-Assets  1.3254e+05  1.3254e+05
    Interest-Income       12862       13367
      Full-Time-Emp         108      96.821
         Salary-Exp        2532      2180.2
    Prem/Fxd-Assets        5901      1805.5
    Noninterest-Exp        3059      2097.3
      Interest-Exp*        8051      7217.7
   Purchased-Funds*       13927       12485

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Summary Results for DMU98
Level: 1     Status: Unknown     Efficiency Rating: 0.81406
      Reference Set       Value                    Multipliers       Value       Slack
              DMU68     0.24097                  Core-Deposits           0
              DMU21    0.012102                 Earning-Assets           0
              DMU93  0.00096894                Interest-Income       1.335
              DMU36     0.74596                  Full-Time-Emp           0
                                                    Salary-Exp     0.14853
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp      0.2679
                                                 Interest-Exp*      1.1174
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        9782       11654
     Earning-Assets       23686       23957
    Interest-Income        2825        2825
      Full-Time-Emp          26      17.667
         Salary-Exp         528      429.82
    Prem/Fxd-Assets         666      113.46
    Noninterest-Exp         424      345.16
      Interest-Exp*        1646      1339.9
   Purchased-Funds*        2642      2088.2

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Summary Results for DMU99
Level: 1     Status: Efficient     Efficiency Rating: 2.3929
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets           0
                                               Interest-Income  1.7495e-14
                                                 Full-Time-Emp           0
                                                    Salary-Exp      12.661
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*           0
                                              Purchased-Funds*      23.562

################################################################################
Summary Results for DMU100
Level: 1     Status: Unknown     Efficiency Rating: 0.99837
      Reference Set       Value                    Multipliers       Value       Slack
              DMU83    0.015993                  Core-Deposits           0
              DMU99     0.50282                 Earning-Assets           0
              DMU93     0.12232                Interest-Income      1.7716
              DMU54    0.017107                  Full-Time-Emp    0.089153
              DMU74     0.34176                     Salary-Exp      2.1039
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*     0.15964
                                              Purchased-Funds*     0.34275
          Variables    Observed       Ideal
      Core-Deposits        7436       11366
     Earning-Assets       19807       21923
    Interest-Income        2468        2468
      Full-Time-Emp          11      10.982
         Salary-Exp         234      233.62
    Prem/Fxd-Assets         395      217.04
    Noninterest-Exp         354      257.46
      Interest-Exp*        1406      1403.7
   Purchased-Funds*        2022      2018.7

################################################################################
Summary Results for DMU101
Level: 1     Status: Inefficient     Efficiency Rating: 0.62514
      Reference Set       Value                    Multipliers       Value       Slack
              DMU21  0.00060441                  Core-Deposits           0
              DMU36      0.9994                 Earning-Assets           0
                                               Interest-Income      1.9599
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp           0
                                                 Interest-Exp*      2.3574
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        7723      9040.5
     Earning-Assets       10223       15497
    Interest-Income        1631        1631
      Full-Time-Emp          21      11.321
         Salary-Exp         485      276.82
    Prem/Fxd-Assets         854      120.67
    Noninterest-Exp         814      246.05
      Interest-Exp*        1074       671.4
   Purchased-Funds*        3199      531.61

################################################################################
Summary Results for DMU102
Level: 1     Status: Efficient     Efficiency Rating: 1.0684
      Reference Set       Value                    Multipliers       Value       Slack
                                                 Core-Deposits           0
                                                Earning-Assets     0.50136
                                               Interest-Income -2.9938e-17
                                                 Full-Time-Emp           0
                                                    Salary-Exp           0
                                               Prem/Fxd-Assets  1.2905e-16
                                               Noninterest-Exp     0.24872
                                                 Interest-Exp*    0.097878
                                              Purchased-Funds*     0.63621

################################################################################
Summary Results for DMU103
Level: 1     Status: Unknown     Efficiency Rating: 0.90895
      Reference Set       Value                    Multipliers       Value       Slack
              DMU33     0.33991                  Core-Deposits -4.4379e-19
              DMU31     0.32236                 Earning-Assets           0
              DMU36     0.10965                Interest-Income      2.0177
              DMU93     0.22808                  Full-Time-Emp           0
                                                    Salary-Exp     0.72117
                                               Prem/Fxd-Assets     0.37627
                                               Noninterest-Exp           0
                                                 Interest-Exp*       1.622
                                              Purchased-Funds*           0
          Variables    Observed       Ideal
      Core-Deposits        5348       11039
     Earning-Assets       18322       18880
    Interest-Income        1911        1911
      Full-Time-Emp           8      7.0263
         Salary-Exp         211      191.79
    Prem/Fxd-Assets         111      100.89
    Noninterest-Exp         192      160.31
      Interest-Exp*        1127      1024.4
   Purchased-Funds*        7135      2353.8

################################################################################
Summary Results for DMU104
Level: 1     Status: Unknown     Efficiency Rating: 0.86869
      Reference Set       Value                    Multipliers       Value       Slack
              DMU36     0.25131                  Core-Deposits  2.5681e-17
              DMU21   0.0044945                 Earning-Assets      0.1948
              DMU68     0.48452                Interest-Income     0.60373
              DMU93     0.24178                  Full-Time-Emp           0
              DMU58    0.017888                     Salary-Exp           0
                                               Prem/Fxd-Assets           0
                                               Noninterest-Exp     0.16392
                                                 Interest-Exp*     0.67638
                                              Purchased-Funds*    0.012917
          Variables    Observed       Ideal
      Core-Deposits       23493       27506
     Earning-Assets       47966       47966
    Interest-Income        5014        5014
      Full-Time-Emp          48      27.359
         Salary-Exp        1040      702.37
    Prem/Fxd-Assets         668      382.55
    Noninterest-Exp         667      579.42
      Interest-Exp*        3044      2644.3
   Purchased-Funds*        8663      7525.5
