A security analyst calculates the following ratios for two banks. How should the analyst evaluate the financial health of the two banks? (LG 12-5) Bank A Bank B Return on equity 22% 24% Return on assets 2% 1.5% Equity multiplier 11X 16X Profit margin 15% 14% Asset utilization 13% 11% Spread 3% 3% Interest expense ratio 35% 40% Provision for loan loss ratio 1% 4%