Use the following information to answer question 30 and 31: River Bank Bay Bank Ratio 1.40% 4.00% 1.40% 4.62% 3.20% 1.40% 4.60% 3.00% 80.00% 0.20% 3.70% 0.90% 4.60% 3.00% 80.00% 0.20% Return on assets (ROA) Net interest margin (NIMO Percentage of average total assets: Net interest income Noninterest income (fee) Operating revenue Noninterest expense (overhead) Earning assets Taxes 30. What is efficiency ratio for Bay Bank? a. 53.66% b. 65.22% C 71.00% d. 78.34% 31. What is operating risk ratio for River Bank? a. 35.63% b. 40.00% c. 45.45% d. 51.22%