7. New Comers State Bank has recorded the following financial data for the past three years (dollars in millions): Interest revenues Interest expenses Loans (excluding nonperforming) Investments Total deposits Money market borrowings Current Year $ 82.00. Previous Year $ 80.00 Two Years Ago $ 78.00 64.00 66.00 68.00 450.00 425.00 400.00 200.00 195.00 200.00 450.00 425.00 400.00 150.00 125.00 100.00 What has been happening to the bank's net interest margin? What do you think caused the changes you have observed? Do you have any recommendations for New Comers' management team