37.3% Shareholders' Cary 24,765 24,918 25,271 Return on assets (ROA) 4.4% 4.0% 4.1% 8.7% Return on equity (ROE) 10.7% 9.8% 10.4% 22.3% Smrce: Company reports and J.P. Morgan estimates. Note: Sin millions (except per-share data).Fiscal year ends Dec 15 EFTA00301331 Justil Lake North A