Thrasher Bank (Thrasher) is a community bank in Sioux City, lowa. Thrasher loaned $5,000 to Superton and charged him an interest rate that was five (5) percent higher than the statutorily allowed maximum. This loan would be considered void at the election of Superton usurious voidable at the election of Thrasher valid, since Thrasher can determine what potential profit is necessary to compensate it and its owners for the assumed risk fraudulent