Question: How has the composition of deposits changed at your favorite local depository institution over the past 10 years? You can find this deposit information for banks and savings institutions at the FDIC's Web site. Utilize the link Statistics on Depository Institutions at www3.fdic.gov/sdi. Using the points made in this chapter, explain why your local institution's mix of deposits is changing the way it is. How can depository institution managers influence the trends occurring in the composition of their deposits?