Look at Table 193. How has the liability composition of banks changed over the 19602021 period? TABLE

Look at Table 19–3. How has the liability composition of banks changed over the 1960–2021 period?

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TABLE 19-3 Liability Structure All Banks Liabilities and Capital 12/31/60 09/30/21 09/30/21 All Banks Large Banks* Small Banks* 09/30/21 of Insured Transaction accounts 61.00% 25.23% 24.73% 35.40% Commercial Banks, Retail CDs and savings deposits 29.00 46.02 46.08 44.79 1960 and 2021* Wholesale CDs 0.00 4.05 3.97 5.65 (in percentages) Borrowings and other liabilities 2.00 14.63 15.19 3.32 Source: Federal Deposit Insur Bank capital 8.00 10.07 10.03 10.84 ance Corporation website. www.fdic.gov Total Liabilities and Capital 100.00% 100.00% 100.00% 100.00%