LBB Bank has experienced the following trends over the past five years (all figures in millions of dollars): Year Total Operating Net Income Total average Total average Revenues Assets Equity 1 15 50 5,000 250 2 20 70 7,000 400 3 25 90 8,000 600 4 40 100 9,000 600 5 20 90 9,500 800 Determine the figures for ROA, ROE, profit margin, asset utilization, and equity multiplier for this bank. Are any adverse trends evident? Where would you recommend that management look to deal with the bank's emerging problem(s)?