Choose a large bank in the St. Louis area. a. Download its call reports and look through section RC-E, noting: i. Does it hold state and local government accounts? If they do, are they mostly transaction or non-transaction accounts? ii. How prominently do retirement accounts play in their deposit structure? Should retirement account-holders be considered 'core deposits' or 'hot money' (i.e. money likely to leave the bank at moment's notice)? iii. How prominently do brokered deposits and/or listing-service deposits play in the bank's deposit structure? Read about brokered deposits/listing-service deposits to determine whether these are core deposits or hot money. iv. Does the bank have many deposits above $250,000 ? Are these deposits core or hot money? v. Do you notice any concentration in time deposit maturities or are maturities evenly spread out over time? vi. Does the bank have sweep deposits? Read about them and explain what they are. What problem do they solve for consumers? Do they create any problems for the bank? b. Call a local branch to determine each bank's CD, savings, and interest-checking account rates. For CD rates, find a 12 -month rate and a 24-month rate, if they have them. If not, find the closest maturity. c. Find that local bank's shortest and longest-term CD rates. Note that those rates are b. Call a local branch to determine each bank's CD, savings, and interest-checking account rates. For CD rates, find a 12-month rate and a 24-month rate, if they have them. If not, find the closest maturity. c. Find that local bank's shortest and longest-term CD rates. Note that those rates are annualized (i.e. expressed in APR terms). With how much money you personally have to invest (must be over $100 ), determine how much you'd have at the end of the term if you invested that money at the stated interest rates for the full term. Does that seem like a lot of return or not that much? Why would you expect a return like that from banks? Screenshot all call report schedules and sub-schedules you used. Highlight all values you use to answer the questions and insert those highlighted screenshots with each answer. Choose a large bank in the St. Louis area. a. Download its call reports and look through section RC-E, noting: i. Does it hold state and local government accounts? If they do, are they mostly transaction or non-transaction accounts? ii. How prominently do retirement accounts play in their deposit structure? Should retirement account-holders be considered 'core deposits' or 'hot money' (i.e. money likely to leave the bank at moment's notice)? iii. How prominently do brokered deposits and/or listing-service deposits play in the bank's deposit structure? Read about brokered deposits/listing-service deposits to determine whether these are core deposits or hot money. iv. Does the bank have many deposits above $250,000 ? Are these deposits core or hot money? v. Do you notice any concentration in time deposit maturities or are maturities evenly spread out over time? vi. Does the bank have sweep deposits? Read about them and explain what they are. What problem do they solve for consumers? Do they create any problems for the bank? b. Call a local branch to determine each bank's CD, savings, and interest-checking account rates. For CD rates, find a 12 -month rate and a 24-month rate, if they have them. If not, find the closest maturity. c. Find that local bank's shortest and longest-term CD rates. Note that those rates are b. Call a local branch to determine each bank's CD, savings, and interest-checking account rates. For CD rates, find a 12-month rate and a 24-month rate, if they have them. If not, find the closest maturity. c. Find that local bank's shortest and longest-term CD rates. Note that those rates are annualized (i.e. expressed in APR terms). With how much money you personally have to invest (must be over $100 ), determine how much you'd have at the end of the term if you invested that money at the stated interest rates for the full term. Does that seem like a lot of return or not that much? Why would you expect a return like that from banks? Screenshot all call report schedules and sub-schedules you used. Highlight all values you use to answer the questions and insert those highlighted screenshots with each