Kalewood Savings Bank has experienced recent changes in the composition of its deposits $($see the following table; all figures in millions of dollars$).$ What changes have recently occurred in Kalewood's deposit mix? Do these changes suggest possible problems for management in trying to increase profitability and stabilize earnings?

$\backslash$table$[[,\backslash$table$[[$This$],[$Year$]],\backslash$table$[[$One$],[$Year$],[$Ago$]],\backslash$table$[[$Two$],[$Years$],[$Ago$]],\backslash$table$[[$Three$],[$Years$],[$Ago$]]],[$Types of Deposits Held,,,$$37,$$$378$