A security analyst calculates the following ratios for two banks. How should the analyst evaluate the financial health of the two banks? Bank A and 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% respectively