24. An) is an agreement for a fee to receive payments when the interest rate of a particular security rises above a specified level by a specified date. a interest rate cap b. interest rate futures contract c interest rate wap d. maximum rate contract c. none of the above account for its financial 25. A bank's ROE account for its financial leverage. A bank's ROA leverage a does does b. does does not c. does not, does not d does not does e none of the above account for taxes on earnings 26. A bank's ROA account for taxes on earnings A bank's ROE a does, does b. does, does not c. does not does not d. docs not does e none of the above 27. A bank's net interest margin includes 2. noninterest expenses b. noninterest income c. loan losses d. all of the above e none of the above 28. During the 2008 credit crisis, the level of was much higher than in other periods a interest income b. income expenses c. noninterest expenses d. loan loss provisions c. none of the above 29. A bank's return on assets (ROA) could be lower than desired because of all of the following except a the bank has experienced heavy loan losses b. the bank was locked into fixed-rate loans prior to a rise in market interest rates. c. the bank is receiving a relatively small amount of noninterest incomo. d. the bank has reduced its noninterest expenses o none of the above