MyState Financial says it aims to "retain… capacity for both organic and inorganic growth opportunities", a sign it may be a bidder once more for small-scale deposit taking entities.Hobart-based MyState bought The Rock Building Society late in 2011. It is now reaping the efficiency benefits of that takeover. At an investor briefing, it said it expects no growth in costs in 2014, thanks to further steps to combine back office processes. It also expects staff numbers to fall by 10 per cent.The company said it "should grow assets and profitability in 2014."