Question: In terms of size, which banks in the U.S. financial system seem to rely most heavily on deposits as a source of funding and which on non deposit borrowings and liability management? To provide an example for the numbers reported in Table 13-3, go to the FDIC's Institution Directory and search by city and state to find a small bank holding company (BHC) located in your hometown or somewhere you enjoy visiting. Write down the BHC ID of your selected bank. Then go to www3.fdic.gov/sdi/ to compare your small BHC with two larger BHCs-Bank of America (BHC ID 1073757) and J. P. Morgan Chase (BHC ID 1039502).

Compare and contrast Deposits/Total Assets and Liabilities/Total Assets for the three BHCs to illustrate your point. If you need some help maneuvering around this site to create a report, read on. The process to create a report requires that you "Select the Number of Columns." You want to select "3" to develop the format to collect data for the most recent report. This provides three pull-down menus, each labeled Select One. In the columns select Bank Holding Company from the menu and go on to type in the BHC ID After defining the three columns click on Next. At this point, you focus on Report Selection, choosing to View and to do calculations in Percentages. Then you get to identify the information you want to collect before creating the report by clicking Next. You will find deposit and liability information in the Assets and Liabilities report.