Using the FDIC website, access a UBPR for U.S. bank. Also, access the summary of deposits for their MSA, county and/or state (Illinois) to get an idea of where the bank sits in comparison to the local competition. Discuss the trends in the bank's capital (consider both Tier 1 and Risk-based), earnings, liquidity, and asset quality. Is this bank performing well compared to others? What are the historical trends? Can you use any information from the historical trends to analyze the bank's future prospects?