Based on the information below, which of the following statements about Cadence Bank's profitability is not accurate? Cadence Peer Group Cadence Peer Group Cadence Peer Group 12/31/2019 12/31/2019 12/31/2018 12/31/2018 12/31/2017 12/31/2017 Yield on earning 5.69% 4.55% 4.82% 4.33% 4.30% 3.96% assets Cost of funding earning assets 1.27% 0.73% 1.01% 0.53% 0.58% 0.32% 4.42% 3.82% 3.81% 3.80% 3.72% 3.65% Net interest margin Noninterest income to assets 0.76% 1.34% 0.74% 1.45% 0.89% Noninterest 2.37% 3.12% 2.14% 3.21% 2.21% 3.24% expense to assets Loan and lease loss provision to assets 0.67% 0.04% 0.11% 0.07% 0.10% 0.05% Net operating income to assets 1.33% 1.24% 1.60% 1.27% 1.12% 0.96% Return on assets 1.35% 1.24% 1.60% 1.27% 1.12% 0.96% (ROA) Pretax return on 1.76% 1.55% 2.01% 1.54% 1.99% 1.50% assets Return on equity (ROE) 9.43% 8.94% 12.07% 9.59% 8.03% 7.89% 3.80% 8.18% 5.19% 7.25% 2.76% Retained earnings to average equity 3.94% (YTD only) Net charge-offs to 0.67% loans and leases 0.04% 0.06% 0.08% 0.06% 0.08% 152.84% 215.33% 118.38% 219.90% 82.34% 57.34 41.35 28.08 47.67 26.33 Loan and lease loss provision to 129.46% net charge-offs Earnings coverage of net loan 4.65 charge-offs (x) Efficiency ratio 46.71% Assets per employee ($ 9.61 millions) Cash dividends to net income (YTD 58.20% only) 65.21% 49.80% 65.68% 50.34% 66.88% 4.76 10.87 4.58 9.39 4.35 57.45% 32.26% 45.89% 9.71% 64.98% Cadence Bank has been more profitable than its peers partly because of its higher yield on earning assets. None of the above. Cadence Bank has more profitable than its peers partly because of its lower cost of funds. Cadence Bank has been less profitable than its peers because of its lower net interest income. Based on the information below, which of the following statements about Cadence Bank's profitability is not accurate? Cadence Peer Group Cadence Peer Group Cadence Peer Group 12/31/2019 12/31/2019 12/31/2018 12/31/2018 12/31/2017 12/31/2017 Yield on earning 5.69% 4.55% 4.82% 4.33% 4.30% 3.96% assets Cost of funding earning assets 1.27% 0.73% 1.01% 0.53% 0.58% 0.32% 4.42% 3.82% 3.81% 3.80% 3.72% 3.65% Net interest margin Noninterest income to assets 0.76% 1.34% 0.74% 1.45% 0.89% Noninterest 2.37% 3.12% 2.14% 3.21% 2.21% 3.24% expense to assets Loan and lease loss provision to assets 0.67% 0.04% 0.11% 0.07% 0.10% 0.05% Net operating income to assets 1.33% 1.24% 1.60% 1.27% 1.12% 0.96% Return on assets 1.35% 1.24% 1.60% 1.27% 1.12% 0.96% (ROA) Pretax return on 1.76% 1.55% 2.01% 1.54% 1.99% 1.50% assets Return on equity (ROE) 9.43% 8.94% 12.07% 9.59% 8.03% 7.89% 3.80% 8.18% 5.19% 7.25% 2.76% Retained earnings to average equity 3.94% (YTD only) Net charge-offs to 0.67% loans and leases 0.04% 0.06% 0.08% 0.06% 0.08% 152.84% 215.33% 118.38% 219.90% 82.34% 57.34 41.35 28.08 47.67 26.33 Loan and lease loss provision to 129.46% net charge-offs Earnings coverage of net loan 4.65 charge-offs (x) Efficiency ratio 46.71% Assets per employee ($ 9.61 millions) Cash dividends to net income (YTD 58.20% only) 65.21% 49.80% 65.68% 50.34% 66.88% 4.76 10.87 4.58 9.39 4.35 57.45% 32.26% 45.89% 9.71% 64.98% Cadence Bank has been more profitable than its peers partly because of its higher yield on earning assets. None of the above. Cadence Bank has more profitable than its peers partly because of its lower cost of funds. Cadence Bank has been less profitable than its peers because of its lower net interest income