Flagstaff Bank currently has assets that are heavily concentrated in secured loans and Treasury securities, whereas Mesa Bank has assets that are concentrated in consumer loans and credit card loans. The managerial capabilities of the two banks are similar. Mesa Bank's performance was much better than that of Flagstaff Bank last year, but Flagstaff Bank's performance is much better than that of Mesa Bank this year. Explain why the relative performance of the two banks is likely to change over time