Kalewood Savings Bank has experienced recent changes in the composition of its deposit. What changes have recently occurred in Kalewood€™s deposit mix? Do these changes suggest possible problems for management in trying to increase profitability and stabilizeearnings?

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This One Year Two Years Three Types of Deposits Hel Regular and special checking accounts $235 S294 Interest-bearing checking accounts 39235;8 Regular (passbook) savings deposits 501 596 Money market deposit accounts Retirement deposits CDs under $100,000 CDs $100,000 and over Ago S337 329 646 749 542 261 522 Years Ago $378 287 709 725 498 244 495 Year Ago 863812 650 603 327 298 606 587