QUESTION 43 Higher loan to value ratios exposes the bank to more risk than lower loan to value ratios. True False

QUESTION 44

1. Bank managers at Dime Community Bancshares require a property to generate sufficient rental income to cover a multiple of the debt service.

   True

   False

2. QUESTION 45

3. Bank managers at Dime Community Bancshares require a higher ratio of rental income to debt service for commercial real estate loans than multifamily loans.

   True

   False

4. Useful Sources:

   https://www.fdic.gov/bank/individual/failed/banklist.html

   https://www.fdic.gov/deposit/deposits/

   https://www.sec.gov/Archives/edgar/data/1005409/000114036119004954/form10k.htm