20. The primary federal regulator of state banks that are not members of the Fed is the: A.FDIC.B.Office of the Comptroller of the Currency.C.Office of Thrift Supervision.D.State’s banking department.E.National Credit Union Administration.21. Banks generate their largest portion of income from:22. The primary federal regulator of state banks that are members of the Fed is the:23. Which of the following is not a characteristic of a typical commercial bank?
24. A bank’s core deposits are:A.vault cash.B.stable deposits that are not typically withdrawn over short periods of time.C.the bank’s deposits at the Federal Reserve.D.the most interest rate sensitive liabilities of a bank.E.deposits held in foreign offices.25. Core deposits consist of all of the following except: 26. A bank’s “burden” is defined as:27. Blue Ridge Bank has a PM of 12 percent, an interest income to total assets ratio of 6.00 percent, and a noninterest income to assets ratio of 1.50 percent. Blue Ridge also has $9 in assetsper dollar in equity capital. Blue Ridge's ROE is Answer question 28 – 32, based on the following bank financial information
28. The bank's asset utilization ratio is A.58.04 percent. B.6.12 percent. C.5.46 percent. D.4.29 percent. E.6.81 percent.29. The bank's profit margin is 30. The bank’s provision for loan loss ratio is A.
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Balance Sheet, Federal Reserve System, b. Bank Holding Company, C. Office of the Comptroller of the Currency