36) On a bank?s income statement, the amount that is available to keep as retained earnings or pay to the stockholders in dividends is the bank?s a) Net income b) Net interest margin c) Return on assets d) Securities interest earnings e) Operating revenue 37) Net profit (income) after taxes per dollar of equity capital Is a basic measure of bank profitability called a) Return on assets b) Return on sales c) Return on equity d) Equity multiplier e) Operating margin 38) With a constant rate of profit on a fixed amount o, total assets, a bank can increase the returns earned by stockholders by _______ its . a) Decreasing, equity multiplier b) Increasing, equity multiplier t) Increasing, equity capital d) Both A and B e) Both A and C 39) The amount of total assets per dollar of equity capital is called the a) Asset ratio b) Equity ratio t) Equity multiplier d) Asset multiplier e) Return on equity 40) in the absence of regulation, banks would probably hold a) Too much capital, reducing the return on equity b) Too little capital, reducing the return on equity c) Too much capital, increasing the return on equity d) Too little capital, increasing the return on equity e) None of the above