1. Measured by total assets, _________________________ represent the largest group of depository institutions.

A. Finance companies B. Credit unions C. Commercial banks D. Savings institutions E. Check-cashing stores

2. The difference between a commercial banks average rate earned on loans and its average rate paid on deposits is called the:

A. charge-off rate. B. net operating income. C. return on assets. D. money market rate. E. interest rate spread.

3. A smaller bank specializing in consumer-oriented banking services is called a(n) __________________.

A. community bank B. money center bank C. central bank D. FDIC E. superregional bank