Question 5 Based on the EMS data and expressing your answers in relatiye terms {as percentage of bank's total assets}, unless requested otherwise: Balance Sheet: a. [4] From the balance sheet. what are your bank's: i. Most important {largest} souroe of funds? Please explain. ii. Most important {largest} use of funds [investment]? Please explain. b. [2] Is commercial and industrial lending or real estate lending a larger component of the bank's loan portfolio? Please explain. c. [2] Would your answer to part {b} change if you considered only residential {1-4 family} real estate lending? Please explain. cl. [2] How much of your bank's domestic deposits are held in transaction accounts? Express your answer as a percentage of bank's assets. e. [2] Does your bank haye trading assets? If so. then how much {as percentage of bank's assets)? Would you consider the trading assets to be signicant, and why or why not? f. [2] Consider the bank's offbalance sheet items. Does your bank have any exposure to unused credit card line commitments? If so. then how much [as percentage of bank's assets}? Income Statement: g. [2] From the income statement. what is the ratio of noninterest income to total income {i.e._. total income 2 interest income plus noninterest income}? h. [2] What is your bank's largest source of noninterest income and its magnitude [as percentage of bank's assets}? Question 6 I The "traditional business model" of a commercial bank is to take in deposits from customers and grant loans to households and businesses. Does your bank conform with this traditional model? Or could it be considered to rely on a mix of traditional and nontraditional models? Explain your reasoning in detail based on your answers to all {or most] parts of Question 5. Assignment Setting For this assignment, you will work 1with the acoounting data for the US. bank. ch Cert # US. Bank NA. 6548 To complete this assignment, you must retrieve accounting data for your selected LLB. Bank on the FDIC's Bank Find Suite website (httgs:iibanks.data.fdic.goyibankndsuitei'l. At this website: I Click on "Run Financial Reports by Institution; I Then click on the "Banks" {tab located in the blue box under \"Search for Institutions" m I Click on \"Bank NameiCert\" menu, select search type of \"FDIC Cert #1 and enter your selected ban k's number {from the table above; ' I Finally, select "2619\" as the search year and choose \"4'\" Quarter\" in the \"Reporting Period" eld; and I Click \"Sea rch\". There are three things to note about this assignment. I First. in the FDIC data. the balance sheet is called \"Assets, Liabiiitiea and Capitaf' and the income statement is called "income and Expense." I Second: when questions refer to \"2019 data\" this means the end-ofyear 2019 [iei as of December 31: 2019] balance sheet data and the income statement data over 2:319 {i.e__. income and expense occurring over the four quarters of calendar year 2m 9]. I Third. when we refer to \"your bank\". this will be the bank your team has selected from the above table. When we refer to the "peer bank\": this will be the competitor bank that your team will discuss in Question 2 [and some of the subsequent questions}