980 praded, so be sure to record your answers carefully there. 1. Bank assets tend to have maturities and liquidity that/as bank liabilities A. longer greater B. longer, lower C. shorter, greater D. shorter; lower E. equal; equal 2. Which of the following could result in a negative NIM? A. Growth in net interest income B. Lower non interest expense C. Decline in net interest income D. Higher non interest income E. Positive net interest spread 3. Nationally chartered banks receive chartering and merger approval from the A. Federal Deposit Insurance Corporation B. Office of Comptroller of the Currency C. Federal Reserve System D. Office of Thrift Supervision E. Any of the above may grant a charter and approve a merger. 4. State chartered banks be members of the Federal Reserve System and nationally chartered banks be members of the Federal Reserve System. A. must; may B. must; must C. may; must D. may; may 5. The largest single category of loans on the typical bank's balance sheet in 2010 was A. U.S. government securities B. commercial and industrial loans C. consumer loans D. real estate loans E. interbank loans Page 1 of 7