Banking and the Financial System

The assignment is designed to familiarize you with banking jargon, banking industry structure,
accessing and using banking data and databases and a few key banking concepts and issues. The
assignment requires you to gather information about banks in various forms and from various sources to
analyze a bank’s overall performance.
In Parts I and II of the assignment, you can choose any US bank you want to analyze. If you are
unfamiliar with bank holding companies and want some help picking a bank to analyze, you can go to, click on large holding companies with total assets greater than $10 billion
and look for a bank you might be interested in analyzing. Find the Name and Location of a BHC that
interests you and then follow the directions below.
Do not use a credit card bank (like Discover, Capital One, Macy’s, Credit One) as you cannot find a
standard peer group for credit card banks easily. Also, do not use Goldman Sachs or Bank of New
York Mellon because they are not really traditional commercial banks. Also, do not use BMO Harris
as they are a Canadian bank holding company. If you want to use BMO Harris, you must use the
bank itself in Chicago as you will not find holding company information.
1. Because I never know when the FDIC will revise the data on banks, I want you to use the most
recently available information available on the FDIC website.
2. Do not wait until the night before the assignment is due to work on it! The data websites might be
down and you will not be able to access the data.
Part I: To Show You How to Access FDIC and FFIEC Data: (15 Marks)
Go to the FDIC web site
Click on Industry Analysis, Bank Data & Statistics, and then Institution Directory
Under tab Bank Holding Companies, enter a BHC Name or state and click on “Search.”
Click on the Bank Holding Company Name. Find a bank holding company of your choice. Note the
BHC ID, the number of banks (associated institutions or subsidiaries) it owns, and the asset size of the
BHC. Under the heading “Institution Name” find the name of the bank with the largest amount of “Total
Assets” We will call this the “lead bank.” Print out the page that lists the BHC and its banks.
This is your Report 1. [Required]
Go to and click on Search CRA Evaluations Page. Select state and enter the


name of the lead bank you identified above not your BHC and find your lead bank. Print out this page.
Note that there might not be a recent rating and there might be numerous ratings for your bank.
This is your Report 2. [Required]
Go to and enter Institution Name or RSSD ID and state of your BHC and
click “Search.” Click on Bank Holding Company Performance Report (BHCPR) and find Page 1,
Summary Ratios (this will usually be the second page of the report). It will look like the report below.
This is your Report 3. [Required]

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