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FIN 490 Quiz 3 Applying Financial InstTutons ConcepTsSelecT a commercial bank To analyze and obTain a 2015 annual reporT for ThaT instTuton. mosT annualreporTs are available online. A±er obTaining The annual reporT, use The informaton provided in ThedocumenT To answer The questons below. ²he purpose of This assignmenT is To allow you To relaTe TheTheory in The TexTbook To The partcular ³nancial instTuton of your choice.1.Commercial Bank OperatonsFor The commercial bank ThaT you selecTed, use iTs annual reporT or any oTher relaTed informaton Toanswer The following questons:a.Identfy The Types of deposiTs ThaT The commercial bank uses To obTain mosT of iTs funds (sourcesof funds). If you cannoT easily describe in words, you may prepare a charT, graph, or Table ThaTshows The approximaTe percenTage of each source of funds.b.Identfy The main uses of funds by The bank (uses of funds). If you cannoT easily describe inwords, you can prepare a charT, graph, or Table ThaT shoes The approximaTe percenTage of eachuse of funds.c.Summarize any sTaTemenTs made by The commercial bank in iTs annual reporT abouT how recenTor poTental regulatons will a´ecT iTs performance.2.Commercial Bank ManagemenTFor The commercial bank ThaT you selecTed, use iTs annual reporT or any oTher relaTed informaton Toanswer The following questons:a.Asses The bank’s balance sheeT as well as any commenTs in iTs annual reporT abouT The gapbeTween iTs raTe-sensitve asseTs and iTs raTe-sensitve liabilites. Does iT appear ThaT The bank hasa positve gap or a negatve gap?b.Does The bank use any meThods To reduce iTs gap and Therefore reduce iTs exposure To inTeresTraTe risk?c.Summarize any sTaTemenTs made by The bank in iTs annual reporT abouT how iT aµempTs To limiTiTs exposure To crediT risk on The loans iT provides.3.Commercial Bank PerformanceFor The commercial bank ThaT you selecTed, use iTs annual reporT or any oTher relaTed informaton Toanswer The following questons:a.DeTermine The bank’s inTeresT income as a percenTage of iTs ToTal asseTs.b.DeTermine The bank’s inTeresT expenses as a percenTage of iTs ToTal asseTs.c.DeTermine The bank’s neT inTeresT margin.d.DeTermine The bank’s noninTeresT income as a percenTage of iTs ToTal asseTs.e.DeTermine The bank’s noninTeresT expenses (do noT include The additon To loan loss reserveshere) as a percenTage of iTs ToTal asseTs.f.DeTermine The bank’s additon To loan loss reserves as a percenTage of iTs ToTal asseTs.g.DeTermine The bank’s reTurn on asseTs.h.DeTermine The bank’s reTurn on equiTy.i.Identfy The bank’s income sTaTemenT iTems described previously ThaT would be a´ecTed ifinTeresT raTes rise in The nexT year, and explain how They would be a´ecTed.j.Identfy The bank’s income sTaTemenT iTems described previously ThaT would be a´ecTed if U.S.economic conditons deTerioraTe, and explain how They would be a´ecTed.

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