Assume you estimate the following information provided in the table for Borrower X:

How does it compare with the following information regarding previous information of Borrow X (show all work and formulas):

ROA 10.5%

ROE 21.4%

TIE 2.5%

CR 5.2%

EPS 4.8%

Borrower X 2017 2018 2019 ROA 9.15% 9.85% 10.5% ROE 18.95% 20.56% 21.4% TIE 1.65 1.85 2.5 CR 4.9 5.2 EPS 4.7 4.8 4.8 4.6