D Question 22 7 pts The following Table shows part of the SUMMARY RATIOS (percentage of Average Total Assets) report for Santa Clara bank and its peer group Earnings and Profitability (% Bank PG1 of Average Assets) Interest Income 2.07 2.12 Interest Expense 0.04 0.13 Net Interest Income 2.03 1.98 Noninterest Income 0.51 1.20 Noninterest Expense 1.45 1.91 ROA 0.76 1.12 Interpret the following ratios by comparing the BANK with the peer group (PG1) and explain the possible reasons behind the difference between them. A. ROA (1 mark) B. Interest Expense (3 marks) C. Noninterest Expense