Mountain Savings reported these figures (in millions) on its income statement for the past five years. Calculate the institution€™s ROA in each year. Are there any adverse trends? Any favorable trends? What seems to be happening to thisinstitution?

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One Iwo ThreeY Four Current YearYearsA earsAg Years ear S40 24 16 Ago $41 25 16 Ago $44 28 16 0 Gross interest income Interest expenses Net interest income Provision for loan losses Net interest income after S43 27 16 S42 26 14 15 16 16 Loan loss provision Noninterest income Noninterest expense Net noninterest income Income before taxes Income taxes owed Net income after taxes 4 (3) 4) 4)(4) 12 10 12 12 12 but before gains (losses) Net securities gains (losses) Net income Total assets ROA 13 880 1.48% 12 875 1.37% 12 850 1.41% 885 860 1.24% 1.28%