1. Looking at the chart showing the number of institutions and their assets, deposits, equity, and income and profitability data from 2007-2018 comment on the significant changes in each category for each institution.

YEAR 2018 2017 2016 2015 2014 2013 COMMERCIAL BANKS BANKS Growth % 4717 -4.09% 4918 -3.79% 5112 -4.27% 5340 -4.76% 5607 -4.10% 5847 -3.71% 6072 -3.24% 6275 -3.74% 6519 -4.54% 6829 -3.50% 7077 -2.78% 7279 ASSETS (000s) $16,728,102,982.00 $16,217,881,358.00 $15,627,781,046.00 $14,893,214,772.00 $14,474,657,533.00 $13,673,056,712.00 $13,387,499,239.00 $12,650,468,093.00 $12,069,442,602.00 $11,826,781,868.00 $12,313,141,199.00 $11,181,900,787.00 Growth % 3.15% 3.78% 4.93% 2.89% 5.86% 2.13% 5.83% Deposits (000s) $12,898,467,068.00 $12,467,586,531.00 $11,982,312,148.00 $11,349,503,567.00 $10,938,732,842.00 $10,385,833,653.00 $10,012,097,628.00 $9,258,874,267.00 $8,517,722,866.00 $8,336,603,049.00 $8,085,709,986.00 $7,313,861,237.00 Deposits/Assets 77.11% 76.88% 76.67% 76.21% 75.57% 75.96% 74.79% 73.19% 70.57% 70.49% 65.67% 65.41% Equity (000s) $1,888,615,064.00 $1,824,950,466.00 $1,737,945,824.00 $1,675,818,834.00 $1,606,757,767.00 $1,518,720,502.00 $1,486,828,390.00 $1,403,801,650.00 $1,337,851,761.00 $1,288,433,453.00 $1,154,480,688.00 $1,143,507,906.00 Equity/Assets Net Income (000s) 11.29% $222,056,305.00 11.25% $151,492,098.00 11.12% $156,685,060.00 11.25% S151,896,097.00 11.10% $140,189,718.00 11.11% $143,110,234.00 11.11% $130,041,412.00 11.10% $110,182,982.00 11.08% $77,427,236.00 10.89% -$11,619,811.00 9.38% $15,262,023.00 10.23% $97,639,154.00 2012 4.81% 2011 2010 2009 2008 2007 2.05% -3.95% 10.12% YEAR 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 THRIFTS SAVINGS 691 754 801 845 903 966 1015 1084 1139 1183 1232 1255 Growth % -8.36% -5.87% -5.21% -6.42% -6.52% -4.83% -6.37% -4.83% -3.72% -3.98% -1.83% ASSETS (000s) $1,214,890,400.00 $1,197,528,393.00 $1,151,900,278.00 $1,074,447,339.00 $1,079,070,863.00 $1,057,733,803.00 $1,062,904,522.00 $1,240,876,663.00 $1,249,480,356.00 $1,259,995,821.00 $1,528,007,645.00 $1,852,033,584.00 Growth % 1.45% 3.96% 7.21% -0.43% 2.02% -0.49% -14.34% -0.69% -0.83% -17.54% -17.50% Deposits (000s) $967,743,272.00 $931,621,527.00 $912,251,387.00 $840,520,243.00 $825,270,694.00 $806,376,744.00 $805,379,084.00 $927,529,382.00 $905,285,036.00 $890,195,106.00 $950,006,855.00 $1,101,505,469.00 Deposits/Assets 79.66% 77.80% 79.20% 78.23% 76.48% 76.24% 75.77% 74.75% 72.45% 70.65% 62.17% 59.48% Equity (000s) $130,516,094.00 $128,741,925.00 $124,999,312.00 $118,519,746.00 $126,770,235.00 $124,252,448.00 $126,856,353.00 $147,005,498.00 $146,657,333.00 $135,609,271.00 $136,582,201.00 $203,856,776.00 Equity/Assets Net Income (000s) 10.74% $14,709,579.00 10.75% $12,599,706.00 10.85% $13,823,959.00 11.03% $11,542,528.00 11.75% $12,057,462.00 11.75% $11,201,870.00 11.93% $11,000,763.00 11.85% $8,229,340.00 11.74% $8,059,003.00 10.76% $1,655,588.00 8.94% -$10,761,931.00 11.01% $2,305,752.00 Growth % -3.55% -3.66% -3.92% -4.02% 4.29% YEAR 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 Credit Unions CU# 5375 5573 5785 6021 6273 6554 6819 7094 7339 7554 7806 8101 ASSETS (000s) $1,453,400,000.00 $1,378,800,000.00 $1,292,500,000.00 $1,204,300,000.00 $1,122,100,000.00 $1,061,914,000.00 $1,021,775,000.00 $961,709,000.00 $914,475,000.00 $884,604,000.00 $811,067,000.00 $753,464,000.00 Growth % 5.41% 6.68% 7.32% 7.33% 5.67% 3.93% 6.25% 5.17% 3.38% 9.07% 7.65% -3.89% -3.88% -3.34% -2.85% -3.23% -3.64% Deposits (000s) $1,219,700,000.00 $1,159,500,000.00 $1,092,600,000.00 $1,016,000,000.00 $950,800,000.00 $910,087,000.00 $877,904,000.00 $827,410,000.00 $786,480,000.00 $752,667,000.00 $681,127,000.00 $632,339,000.00 Deposits/Assets 83.92% 84.09% 84.53% 84.36% 84.73% 85.70% 85.92% 86.04% 86.00% 85.09% 83.98% 83.92% Equity (000s) $164,300,000.00 $151,100,000.00 $140,800,000.00 $131,500,000.00 $123,000,000.00 $111,099,000.00 $106,435,000.00 $97,960,000.00 $91,178,000.00 $86,644,000.00 $84,666,000.00 $85,817,000.00 Equity/Assets Net Income (000s) 11.30% $13,000,000.00 10.96% $10,400,000.00 10.89% $9,500,000.00 10.92% $8,700,000.00 10.96% $8,700,000.00 10.46% $8,140,000.00 10.42% $8,461,000.00 10.19% $6,274,000.00 9.97% $4,589,000.00 9.79% $1,488,000.00 10.44% $400,000.00 11.39% $4,738,000.00