9. Comparison of a bank's expenses and income to the industry Consider a commercial bank with the following characteristics: Berry Head Bank is a medium-sized bank that uses an aggressive management style of providing loans to borrowers that might be viewed as risky given their limited collateral and their cash flow situation. The bank charges high interest rates on these loans because the borrowers do not have alternative lenders. It also charges these borrowers high annual fees after providing its loans. Use the following table to indicate the most plausible comparison of Berry Head Bank's expenses and income to those of the industry under unfavorable economic conditions. Performance measures (Percent) Lower than in the industry Higher than in the industry Noninterest income Loan loss provision Noninterest expenses O O Net income before tax Evaluate the following statement. It is highly likely that Berry Head Bank's risky strategy will result in the bank's weaker-than-average performance in the industry regardless of the prevailing economic conditions. O True O False