Bank A has a lower ROA than Bank B. Both banks have similar interest income to total asset ratios (= interest income ratios) and noninterest income to total asset ratios (= noninterest income ratios). Based on the information given, which of the following must be correct?

Bank A has a lower profit margin than Bank B.

Bank A has a lower asset utilization ratio than Bank B.

None of these choices are correct.

Bank A has a lower overhead efficiency ratio than Bank B.

All of these choices are correct.