Retrieve the annual report of Heritage Financial Corporation (ticker symbol is HFWA) or another savings institution of your choice. To access income statement information, go to http://finance.yahoo.com, enter the ticker symbol, and click on “Get Quotes.” Then click on “SEC Filings” to retrieve recent income statements. Review the SI’s recent performance. Has its income as a percentage of assets increased since the year before? Explain what caused this change over the last year. Has the SI’s net interest margin changed since last year? How has its noninterest income (as a percentage of assets) changed over the last year? How have its noninterest expenses changed over the last year? How have its loan loss reserves changed in the last year? Discuss how the SI’s recent strategy and economic conditions may explain the changes in these components of its income statement.