Has SunTrust’s ROA increased since the year before? Explain what caused its ROA to change over the last year. Has its 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 SunTrust’s recent strategy and economic conditions might explain the changes in these components of its income statement.