1. 1) Looking at the charts from 2003 and 2020 (on the first page) explain in detail how the loan portfolios of Commercial Banks, Thrifts and Credit Unions have changed over time. (5 pts)

2. 2) Looking at the charts from 2003 and 2020 (on the first page) explain in detail how the reliance on deposits and types of deposits of Commercial Banks, Thrifts and Credit Unions have changed over time. (5 pts.)

Loans Real Estate Commercial Consumer Commercial Banks 58% of TA 52% of Loans 20% of Loans 16% of Loans Thrifts 67% of TA 87% of Loans 5% of Loans 7% of Loans Credit Unions 59% of TA 44% of Loans 0% of Loans 51% of Loans Deposits Bus. Dep. Consumer Savings & Time Dep. 66% of TA 10% of deposits 14% of deposits 59 % of deposits 64% of TA 0% of deposits 10% of deposits 82% of deposits 87% of TA 0% of deposits 12% of deposits 88% of deposits Mid-2020: Computed From FDIC and NCUA websites Loans Real Estate Commercial Consumer Commercial Banks 52% of TA 46% of Loans 26% of Loans 15% of Loans Thrifts 51% of TA 67% of Loans 9% of Loans 20% of Loans Credit Unions 68% of TA 44% of Loans 8% of Loans* 40% of Loans Securities 20% of TA 37% of TA 17% of TA Deposits Demand Dep. MMDA Savings & CDs 80% of TA 19% of deposits 39% of deposits 33 % of deposits 81% of TA 38% of deposits 25% of deposits 37% of deposits 84% of TA 15% of deposits 20% of deposits 55% of deposits Loans Real Estate Commercial Consumer Commercial Banks 58% of TA 52% of Loans 20% of Loans 16% of Loans Thrifts 67% of TA 87% of Loans 5% of Loans 7% of Loans Credit Unions 59% of TA 44% of Loans 0% of Loans 51% of Loans Deposits Bus. Dep. Consumer Savings & Time Dep. 66% of TA 10% of deposits 14% of deposits 59 % of deposits 64% of TA 0% of deposits 10% of deposits 82% of deposits 87% of TA 0% of deposits 12% of deposits 88% of deposits Mid-2020: Computed From FDIC and NCUA websites Loans Real Estate Commercial Consumer Commercial Banks 52% of TA 46% of Loans 26% of Loans 15% of Loans Thrifts 51% of TA 67% of Loans 9% of Loans 20% of Loans Credit Unions 68% of TA 44% of Loans 8% of Loans* 40% of Loans Securities 20% of TA 37% of TA 17% of TA Deposits Demand Dep. MMDA Savings & CDs 80% of TA 19% of deposits 39% of deposits 33 % of deposits 81% of TA 38% of deposits 25% of deposits 37% of deposits 84% of TA 15% of deposits 20% of deposits 55% of deposits