Trying to double-check some answers, any help would be appreciated!

Shown below is a simplified balance sheet for Zions Bancorporation, N.A. (Zions, hereafter) for the years 2019 and 2018 followed by a description of Zions business, which is based on excerpts from Item Zions Annual Report to Shareholders.

1. Investment securities primarily consist of debt instrument that Zions has purchased.
2. Other investments represent Zions equity interest in the Federal Agriculture Mortgage Corporation (FAMC).
3. Deposits consist of both non-interest-bearing demand deposits and interest-bearing deposits.

Excerpts from Item 1 of Zions 10-K

Zions is a national commercial bank headquartered in Salt Lake City, Utah. The Bank owns and operates 434 branches at year-end 2019. The Bank provides a full range of banking and related services, primarily in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.

The Bank focuses on providing community banking services by continuously strengthening its core business lines of (1) small- and medium-sized business and corporate banking; (2) commercial and residential development, construction and term lending; (3) retail banking; (4) treasury cash management and related products and services; (5) residential mortgage lending and servicing; (6) trust and wealth management; (7) capital markets activities, including municipal finance advisory and underwriting; and (8) investment activities.

In addition to providing a wide variety of commercial products and services, the Bank provides a range of personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, and internet and mobile banking. The Bank provides services to key market segments through its Private Client Services and Executive Banking groups. It offers self-directed brokerage services through Zions Direct and it also offers comprehensive and personalized wealth management and investment services. The Bank has built specialized lines of business in capital markets and public finance and is a leader in small business administration (SBA) lending. The Bank is one of the nations largest providers of SBA 7(a) and SBA 504 financing to small businesses. The Bank owns equity interests in FAMC and is one of its top originators of secondary market agricultural real estate mortgage loans. The Bank provides finance advisory and corporate trust services for municipalities. The Bank also provides bond transfer, stock transfer, and escrow services nationally in its corporate trust business.

Based on the information given to you and your answer to question one, what are Zions: (1) operating assets; (2) operating liabilities; and, (3) net operating assets. Explain.

\begin{tabular}{|c|c|c|c|c|c|} \hline & 2019 & 2018 & & 2019 & 2018 \\ \hline Cashandcashequivalents & 1,932 & 2,694 & Total deposits (3) & 57,085 & 54,101 \\ \hline Investmentsecurities(1) & 14,499 & 15,617 & Short-term borrowings & 2,053 & 5,653 \\ \hline Loans,netofloanlossreserve & 48,343 & 46,312 & Long-term debt & 1,723 & 724 \\ \hline Otherinvestments(2) & 898 & 1,046 & Other liabilities & 958 & 690 \\ \hline Long-livedtangibleassets & 1,142 & 1,124 & Total liabilities & 61,819 & 61,168 \\ \hline Goodwillandintangibles & 1,014 & 1,015 & & & \\ \hline Other assets & 1,344 & 938 & Total equity & 7,353 & 7,578 \\ \hline Total assets & 69,172 & 68,746 & Liabilities \& equity & 69,172 & 68,746 \\ \hline \end{tabular}