What are some of the most recent (especially around or after 2019 or 2020) changes to the way banks and other financial institutions can earn non-interest incomeboth as mandated by law and as practiced by the financial institutions? Briefly discuss any one such measure, in your own words. (5 points)

Using the FDICs latest Quarterly Banking Profile (for the Fourth Quarter of 2022) dated 2023, Volume 17, Number 1, which you can access at FDIC Quarterly Banking Profile - 4th Quarter 2022Links to an external site., please comment on the recent performance of all FDIC covered banking institutions (using, for example, the Tables on pages V-A to VII-A of the report, on pages 14 to 17); ignore the report, starting page 19, covering community banks and insurance companies...but it would be a very good idea to read the summary on pages 01 through 07 firs.. What do you think are the primary reasons for the trends you observe and more importantly why (or why not) do you think the trends will continue in the near future? Be sure to specifically use at least three or four of the most commonly cited ratios in your discussions. (10 points)

Using your answer to question #2 above as a background, discuss the performance of any one of the top 50 BHC (remember, you can get the information you need--for the BHCs out of the list of "Top Holding Companies" with Assets Over $10 Billion, from the website of the FFIEC), using the same ratios you used in #2 above. If, for any reason you cannot get complete/comparable data for the fourth quarter of 2022, use the third quarter of 2022 data, for both questions 2 and 3. How does the performance of your selected institution differ or conform to the industry trend? (10 points)