Evaluate the financial health of the two banks

Question

Question: A security analyst calculates the following ratios for two banks. How should the analyst evaluate the financial health of the two banks?

                                              Bank A     Bank B
ROE                                          22%        24%
ROA                                           2%        1.5%
Equity Multiplier                          11X        16X
Profit Margin                              15%        14%
Asset Utilization                          13%        11%
Spread                                        3%         3%
Interest Exp. Ratio                       35%       40%
Provision for loan loss ratio            1%         4%