Please help! Due tomorrow. Can use any commercial bank.

FIN 490 Quiz 3 Applying Financial Institutions Concepts Select a commercial bank to analyze and obtain a 2015 annual report for that institution. most annual reports are available online. After obtaining the annual report, use the information provided in the document to answer the questions below. The purpose of this assignment is to allow you to relate the theory in the textbook to the particular financial institution of your choice. 1. Commercial Bank Operations For the commercial bank that you selected, use its annual report or any other related information to answer the following questions: a. Identify the types of deposits that the commercial bank uses to obtain most of its funds (sources of funds). If you cannot easily describe in words, you may prepare a chart, graph, or table that shows the approximate percentage of each source of funds. b. Identify the main uses of funds by the bank (uses of funds). If you cannot easily describe in words, you can prepare a chart, graph, or table that shoes the approximate percentage of each use of funds. c. Summarize any statements made by the commercial bank in its annual report about how recent or potential regulations will affect its performance. 2. Commercial Bank Management For the commercial bank that you selected, use its annual report or any other related information to answer the following questions: a. Asses the bank's balance sheet as well as any comments in its annual report about the gap between its rate-sensitive assets and its rate-sensitive liabilities. Does it appear that the bank has a positive gap or a negative gap? b. Does the bank use any methods to reduce its gap and therefore reduce its exposure to interest rate risk? c. Summarize any statements made by the bank in its annual report about how it attempts to limit its exposure to credit risk on the loans it provides. 3. Commercial Bank Performance For the commercial bank that you selected, use its annual report or any other related information to answer the following questions: 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 addition to loan loss reserves here) as a percentage of its total assets. f. Determine the bank's addition 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. Identify the bank's income statement items described previously that would be affected if interest rates rise in the next year, and explain how they would be affected. j. Identify the bank's income statement items described previously that would be affected if U.S. economic conditions deteriorate, and explain how they would be affected