Klausenheimer Savings reported these figures (in millions) on its income statement for the past five years. Complete the table and calculate this institution's ROA in each year. You may copy and paste the table and fill in the blanks. Are there any adverse trends? Any favorable trends? What seems to be happening to this institution Current Year One Year Ago Two Years Ago Three Years Ago Four Years Ago $40 24 $41 23 S38 20 $35 18 $33 15 2 1 1 0 0 4 7 3 7 2 6 1 5 Gross interest income Interest expenses Net interest income Provision for loan losses Net interest income after Loan loss provision Noninterest income Noninterest expense Net noninterest income Income before taxes Income taxes owed Net income after taxes but before gains (losses) Net securities gains (losses) Net income Total assets 1 1 0 1 0 (2) (1) 0 1 2 385 360 331 319 293 ROA