Using the Dupont model to analyze the differences in profitability (ROE) among the 2 banks using the December 2021 financial statements. What are the potential reasons for the differences in profitability among these banks ( about 250 words)? Data given below:

DUPONT Decomposition		BNC National bank (Community Bank)	Carver Federal Saving Bank (Community Bank)
Profit Margin		28.10%	-14.98%
Asset Utilization		7.46%	3.84%
Equity Multiplier		9.11	12.94
ROE		19.09%	-7.44%