payday lender offers to lend customer S10 week for a $10 iure charge. What is the APK for this loan A. 1000 percent B. 365 percent C. 520 percent D. 14204 percent E. 100 percent 29972 COM 788899 783 12. The main regulators of savings institutions today are: A. Office of Thrift Supervision (OTS), FDIC, state regulators B. Office of the Comptroller of the Currency (OCC). FDIC, state regulators C. Federal Home Loan Bank Board, FSLIC, state regulators D. Office of Thrift Supervision (OTS). FSLIC, state regulators WOO000 000 00 DO099 983 4800 A800 WODOO 98990 03. 13. Bank A has a higher ROA than Bank B. Both banks have similar interest income to asset ratios and noninterest income to asset ratios. We know that 1. Bank A has a higher profit margin than Bank B. II. Bank A has a higher AU ratio than Bank B. III. Bank A must have a higher PLL/OI ratio. A. I only B. II only C. I and II only D. III only E I, II, and III 9830 780000 A8888 14. Femando Bank has interest expense of $150 million, earning assets of $1,400 million and a NIM of 5.00%. The bank also has interest-bearing liabilities of $1.100 million. Femando Bank's spread is A. 1.10% B. 1.65% C. 1.94% D. 2.08% E. 2.16% BSB A00 . 15. Blue Ridge Bank has a PM of 12%, an interest income to total assets ratio of 6.00%, and a noninterest income to total assets ratio of 1.50%. Blue Ridge also has $9 in total assets per dollar in equity capital. Blue Ridge's ROE is A. 7.50% B. 9.00% C. 8.10% D. 6.48% E. 5.75%