elaborate these:

1.interest on the loan is significantly lower compared to other banks in the region due to lesser deposits or lower interest rates.

2. non-interest income is higher denote other charges (income from the bank) are higher in your bank compared to other banks in the region.

3.other banks in the region paying more interest on deposits compared to your bank.

4.debt and equity rates are 4 times compared to other banks.

5. non-interest expense for your bank is 62.82% whereas other banks are 56%

6.higher overnight funds and debts - the bank is usually borrowing from investors on a short term basis to meet short term capital.

7.higher reserve in your bank means cash requirement is higher in your bank compared to other banks.

8. higher debt-equity ratio in your bank.