The Blue Moon Bank Has the Following Trends A) the OROA Went Down with a Lower NIM%, Despite

The Blue Moon Bank has the following trends. Which statement is the most correct based on the information provided?
$$\begin{array} { l c c } & \text { Previous Year } & \text { Current Year } \\\text { Interest Revenues / Assets } & 8 \% & 8.5 \% \\\text { Interest Expense / Assets } & 5 \% & 4.5 \% \\\text { Noninterest Expense /Assets } & 5 \% & 6 \% \\\text { Noninterest Revenue / Assets } & 4 \% & 3 \% \\\text { Provision for Loan Losses / Assets } & 0.15 \% & 0.15 \%\end{array}$$

A) The OROA went down with a lower NIM%, despite a lower Burden%, and the PLL% staying the same.
B) The OROA went down, because of a higher Burden % with a rise in the NIE% and fall in the NIE%, despite a rise in NIM% and the PLL% staying the same.
C) The OROA went up because of a higher NIM%, lower Burden%, and the PLL% staying the same.
D) The OROA went down because of a higher PLL%, despite a higher NIM% and lower Burden %.