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 (% of Average Assets) Interest Income Interest Expense Net Interest Income Noninterest Income Noninterest Expense Bank A. ROA (1 mark) B. Interest Expense (3 marks) C. Noninterest Expense (3 marks) 2.07 0.04 2.03 0.51 1.45 0.76 PG1 2.12 0.13 1.98 1.20 1.91 1.12 ROA Interpret the following ratios by comparing the BANK with the peer group (PG1) and explain the possible reasons behind the difference between them.