Search for the aggregate values of the commercial banking sector in US. (Hint: you may search for Quarterly Banking Profile published by the Federal Deposit Insurance Corporation in US.) 1. Find the total assets for the commercial bank industry using the latest available data. Calculate the percentage change in total assets for the commercial bank industry since 2010 (data for 2010 is available on slides). 2. Calculate the percent of loans to total assets, deposits to total assets, and equity to total assets using the latest data available. How have these changed since 2010? 3. Loans are the highest earning asset on the bank balance sheet. They are also the largest category. As of 2010 loans comprised 53% of total assets in US commercial bank industry.

Bank loans by type % of Loans % of Assets

Commercial and industrial loans 17.42% 9.29%

Real estate loans 58.16% 31.02%

Consumer loans 19.99% 10.66%

Other loans 8.19% 4.37%

Reserve for loan losses -3.71% -1.98%

Reserves for unearned income -0.04% -0.02%

Totals 100.00% 53.33%

Replicate the table above using the latest data. Briefly comment on the shares of loan types (Commercial and Industrial Loans, Real Estate Loans and Consumer Loans (Loans to individuals)) in recent balance sheet. How have these 3 ratios changed since 2010?