( )6.Net loans on a bank's balance sheet are derived by deducting the allowance for loan losses and unearned discounts from gross loans. ( )7. Stripped mortgage-backed securities make maturity matching of bank assets and liabilities easier to accomplish than do most other investment securities that banks buy. ( )8.If the expected stream of future dividends for a bank's shareholder rises, the bank's stock price should also rise, other factors held constant. ( )9. Most banks report securities gains as a component of their total noninterest income. ( )10.A bank's asset utilization ratio reflects the effectiveness of the bank's expense management