Examine a recent annual report for the bank where you have a checking account. (The bank's Web site is likely to have a link to its annual report.) Also examine the updated Table and Figure at the text Web site.
a. How does your bank's composition of assets and liabilities differ from averages for U.S. commercial banks? What explains these differences?
b. In recent years, how has your bank's return on equity differed from the U.S. average? What factors might explain the above- or below-average performance?
