You are required to conduct a financial analysis of two different banking organizations. One organization should be large bank with total assets greater than $50 billion while the other should be smaller with total assets under $500 million. To do this, you will need to obtain the most recent five years of financial statements available from the bank that you choose. To obtain the financial statements you may contact the bank, use their web site if they have one, or obtain a banks Uniform Bank Performance Report (UBPR) from the Federal Deposit Insurance Corporation (FDIC) web site at www.fdic.gov. The FDIC site also has peer group information for the bank that you select. You will need to access that information for comparative purposes.

Your analysis should include a trend analysis over the five-year time frame and a comparative analysis with similar banks. You should prepare a five page written report presenting the information that you have obtained in an understandable fashion. You should identify strengths and weaknesses of the institutions that you are evaluation and make recommendations for correcting any weaknesses that you find as well as recommendations for exploiting any strengths.

This Bank is has total assets under than $500 million:

FDIC Certificate # 12368	FRB District/ID_RSSD 6 / 233031	REGIONS BANK ; BIRMINGHAM , AL		Income Statement $
OCC Charter # 0	County: JEFFERSON	Income Statement $--Page 2		11/15/2016 9:54:25 AM
Public Report

																Percent Change
	6/30/2016			6/30/2015			12/31/2015			12/31/2014			12/31/2013			1 Year
Interest and Fees on Loans	1,509,486			1,423,981			2,904,511			2,887,205			2,952,723			6.00
Income From Lease Financing	28,007			36,062			53,467			75,353			81,316			-22.34
Tax-Exempt	69,951			59,083			124,549			103,420			89,803			18.39
Estimated Tax Benefit	37,303			31,475			66,374			54,812			46,282			18.52
Income on Loans & Leases (TE)	1,574,796			1,491,518			3,024,352			3,017,370			3,080,321			5.58
US Treas & Agency (Excl MBS)	5,933			6,198			12,406			8,071			8,340			-4.28
Mortgage Backed Securities	261,873			252,008			498,114			510,278			421,316			3.91
Estimated Tax Benefit	0			0			0			0			1			N/A
All Other Securities	23,588			27,978			51,984			64,600			141,088			-15.69
Tax-Exempt Securities Income	0			0			1			1			3			N/A
Investment Interest Income (TE)	291,394			286,184			562,504			582,949			570,745			1.82
Interest on Due From Banks	7,157			3,039			6,992			7,371			5,836			135.51
Int on Fed Funds Sold & Resales	25			45			75			104			0			-44.44
Trading Account Income	2,876			3,628			4,404			3,139			2,540			-20.73
Other Interest Income	10,815			16,108			35,631			30,680			31,263			-32.86
Total Interest Income (TE)	1,887,063			1,800,522			3,633,958			3,641,614			3,690,706			4.81
Int on Deposits in Foreign Off	125			125			258			399			347			0.00
Interest on Time Dep Over $100M	13,689			14,683			29,067			24,436			34,395			-6.77
Interest on All Other Deposits	42,187			42,316			82,449			84,635			102,409			-0.30
Int on Fed Funds Purch & Repos	0			259			276			1,571			1,679			-100.00
Int Trad Liab & Oth Borrowings	27,352			2,965			22,089			13,585			34,827			822.50
Int on Sub Notes & Debentures	37,988			43,803			81,863			103,843			105,252			-13.28
Total Interest Expense	121,341			104,151			216,002			228,469			278,909			16.50
Net Interest Income (TE)	1,765,722			1,696,371			3,417,956			3,413,145			3,411,797			4.09
Non-interest Income	969,456			844,547			1,813,269			1,787,477			1,910,790			14.79
Adjusted Operating Income (TE)	2,735,178			2,540,918			5,231,225			5,200,622			5,322,587			7.65
Non-Interest Expense	1,668,717			1,680,967			3,345,699			3,224,566			3,301,577			-0.73
Provision: Loan & Lease Losses	185,000			112,000			241,000			69,000			138,000			65.18
Pretax Operating Income (TE)	881,461			747,951			1,644,526			1,907,056			1,883,010			17.85
Realized G/L Hld-to-Maturity Sec	0			0			0			0			0			N/A
Realized G/L Avail-for Sale Sec	906			10,568			28,769			27,298			25,728			-91.43
Pretax Net Operating Inc (TE)	882,367			758,519			1,673,295			1,934,354			1,908,738			16.33
Applicable Income Taxes	253,101			233,278			490,745			572,202			559,110			8.50
Current Tax Equiv Adjustment	37,303			31,475			66,374			54,813			46,284			18.52
Other Tax Equiv Adjustments	0			0			0			0			0			N/A
Applicable Income Taxes (TE)	290,404			264,753			557,119			627,015			605,394			9.69
Net Operating Income	591,963			493,766			1,116,176			1,307,339			1,303,344			19.89
Net Discontinued / Extraordinary Items	0			0			0			0			0			N/A
Net Inc Noncontrolling Minority Interests	0			0			0			0			4,574			N/A
Net Income	591,963			493,766			1,116,176			1,307,339			1,298,770			19.89
Cash Dividends Declared	570,000			340,000			860,000			1,185,000			1,520,000			67.65
Retained Earnings	21,963			153,766			256,176			122,339			-221,230			-85.72
Memo: Net International Income	0			0			0			0			0			N/A

This bank has total assets greater than $50 billion:

FDIC Certificate # 3510	FRB District/ID_RSSD 5 / 480228	BANK OF AMERICA, NATIONAL ASSOCIATION ; CHARLOTTE , NC		Summary Ratios
OCC Charter # 13044	County: MECKLENBURG	Summary Ratios--Page 1		11/15/2016 10:20:02 AM
Public Report

	9/30/2016			9/30/2015			12/31/2015			12/31/2014			12/31/2013
Earnings and Profitability	BANK	PG 1	PCT	BANK	PG 1	PCT	BANK	PG 1	PCT	BANK	PG 1	PCT	BANK	PG 1	PCT
Percent of Average Assets:
Interest Income (TE)	2.73	3.45	11	2.69	3.45	13	2.70	3.44	13	2.99	3.52	20	2.52	3.61	10
- Interest Expense	0.12	0.31	15	0.11	0.28	13	0.11	0.29	12	0.12	0.30	15	0.19	0.36	21
Net Interest Income (TE)	2.61	3.12	15	2.58	3.14	16	2.59	3.12	18	2.86	3.19	29	2.33	3.22	11
+ Noninterest Income	1.59	1.03	79	1.74	1.02	84	1.70	1.02	83	2.00	1.01	90	2.14	1.05	90
- Noninterest Expense	2.24	2.50	35	2.44	2.60	40	2.41	2.55	42	3.08	2.66	76	2.77	2.73	48
- Provision: Loan & Lease Losses	0.23	0.15	75	0.18	0.11	75	0.19	0.12	74	0.16	0.11	69	0.03	0.14	28
Pretax Operating Income (TE)	1.74	1.51	67	1.69	1.49	65	1.69	1.48	64	1.62	1.46	62	1.67	1.44	65
+ Realized Gains/Losses Sec	0.04	0.02	79	0.07	0.01	91	0.07	0.01	94	0.09	0.01	96	0.09	0.02	90
Pretax Net Operating Income (TE)	1.78	1.53	69	1.76	1.50	70	1.76	1.49	69	1.71	1.47	69	1.75	1.46	69
Net Operating Income	1.20	1.02	72	1.18	1.00	72	1.19	0.99	75	1.16	0.98	72	1.16	1.02	64
Adjusted Net Operating Income	1.19	1.06	67	1.10	1.03	58	1.11	1.04	58	1.02	0.98	53	0.94	0.97	50
Net Inc Attrib to Min Ints	0.00	0.00	85	0.00	0.00	84	0.00	0.00	84	0.00	0.00	85	0.00	0.00	81
Net Income Adjusted Sub S	1.20	0.99	76	1.18	0.98	74	1.19	0.97	78	1.16	0.97	72	1.16	1.00	65
Net Income	1.20	1.01	73	1.18	1.00	73	1.19	0.99	75	1.16	0.98	72	1.16	1.02	64
Margin Analysis:
Avg Earning Assets to Avg Assets	90.86	92.96	28	90.36	92.74	23	90.47	92.82	23	89.59	92.37	23	88.59	92.12	20
Avg Int-Bearing Funds to Avg Assets	75.69	77.67	34	74.54	77.64	31	74.58	77.84	31	74.37	77.35	33	74.58	77.48	31
Int Inc (TE) to Avg Earn Assets	3.00	3.72	13	2.98	3.72	13	2.98	3.71	15	3.33	3.83	25	2.84	3.92	10
Int Expense to Avg Earn Assets	0.13	0.33	15	0.12	0.31	14	0.12	0.31	13	0.14	0.33	16	0.21	0.39	23
Net Int Inc-TE to Avg Earn Assets	2.87	3.37	19	2.85	3.39	20	2.86	3.37	22	3.19	3.47	33	2.63	3.50	13
Loan & Lease Analysis:
Net Loss to Average Total LN&LS	0.44	0.15	89	0.49	0.11	93	0.50	0.13	92	0.55	0.18	90	0.45	0.29	76
Earnings Coverage of Net Losses (X)	8.29	25.56	27	7.10	35.80	17	7.03	33.31	18	6.00	30.02	20	6.97	17.63	37
LN&LS Allowance to LN&LS Not HFS	1.29	1.06	72	1.44	1.16	77	1.37	1.11	79	1.66	1.23	82	1.54	1.45	61
LN&LS Allowance to Net Losses (X)	2.96	9.82	18	2.95	14.55	11	2.79	12.73	11	3.22	13.81	17	3.45	9.57	36
LN&LS Allowance to Total LN&LS	1.28	1.04	72	1.43	1.13	77	1.36	1.09	78	1.63	1.21	83	1.53	1.44	61
Total LN&LS-90+ Days Past Due	0.77	0.11	92	1.12	0.15	93	1.05	0.14	92	1.80	0.20	94	2.90	0.29	95
-Nonaccrual	0.92	0.65	76	1.11	0.69	81	1.04	0.68	82	1.32	0.78	83	2.12	1.07	87
-Total	1.69	0.80	88	2.23	0.88	93	2.09	0.85	93	3.12	1.05	93	5.02	1.49	94
Liquidity
Net Non Core Fund Dep New $250M	5.29	12.50	27	3.08	12.76	22	3.89	13.96	21	5.52	12.87	29	8.92	12.88	38
Net Loans & Leases to Assets	53.27	67.30	15	52.73	66.16	17	52.93	66.73	16	53.71	65.02	20	53.87	63.50	23
Capitalization
Tier One Leverage Capital	9.58	9.75	50	9.33	9.88	40	9.20	9.77	38	9.62	9.83	50	9.21	9.86	39
Cash Dividends to Net Income	54.93	38.01	65	102.65	38.77	89	98.56	41.22	89	72.62	41.19	75	51.66	42.16	55
Retained Earnings to Avg Total Equity	4.26	4.98	44	-0.25	4.72	11	0.14	4.53	12	2.52	4.32	31	4.47	4.28	55
Rest+Nonac+RE Acq to Eqcap+ALLL	10.09	6.76	77	13.08	7.66	84	12.41	7.61	82	15.58	8.84	82	21.82	11.65	86
Growth Rates
Total Assets	2.68	11.55	16	6.02	10.92	36	4.14	10.85	29	9.79	11.71	58	-2.74	6.12	14
Tier One Capital	5.59	10.27	37	14.92	11.46	70	-0.19	11.17	7	15.30	11.52	75	6.29	7.79	50
Net Loans & Leases	3.74	12.79	16	14.70	13.26	63	2.65	13.47	12	9.46	15.41	45	4.52	9.66	42
Short Term Investments	-18.91	37.69	22	-21.41	15.25	28	15.60	18.29	57	23.23	23.67	60	-2.42	6.34	52
Short Term Non Core Funding	-0.05	17.58	35	-5.82	17.33	27	-1.75	18.20	29	-13.87	20.65	18	-15.09	11.23	21
Average Total Assets	1,642,889,000			1,593,909,000			1,603,626,250			1,476,901,000			1,429,924,750
Total Equity Capital	211,576,000			202,675,000			201,504,000			202,360,000			178,693,000
Net Income	14,747,000			14,126,000			19,075,000			17,075,000			16,516,000
Number of banks in Peer Group	239			229			228			223			201