You are a financial manager of a major U.S.-based financial institution of your choosing. Go to the company's Web site (e.g., JPMorgan Chase, Wells Fargo, U.S. Bancorp). Pull its 2 most recent annual reports. In the annual report, you will see the balance sheet. You have been asked to provide a report to the company, in which you will include the following:

• Discuss major balance sheet numbers (e.g., Total Assets, Total Liabilities, Total Equity) and how these changed over the past 2 years. Refer to your textbook as needed.
• Discuss the potential credit risk, interest rate risk, and operational risk as they pertain to the selected financial institution. Use supporting numbers from the balance sheets.