Return on Assets. Citizens and Farmers shall maintain a rate of Net Income to Total Assets of a minimum of six tenths of one (0.60%) percent for each fiscal year this Credit Facility is in effect.
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Return on Assets. Citizens and Farmers shall maintain a rate of Net Income to Total Assets of a minimum of six tenths of one (0.60%) .75 percent for each fiscal year this Credit Facility is in effect. Farmers shall maintain such a ratio of 0.5 percent for fiscal year 2007, 0.6 percent for fiscal year 2008, and .75 percent for each fiscal year thereafter that this Credit Facility is in effect.
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