Which of the following factors influencing a bank's income statements are not controlled by the bank? Check all that apply. Quality of assets Tax laws Capital structure regulations Regulatory provisions Market interest rate movements Complete the following statement about a possible reason for a low return on assets (ROA). If the bank is conservative in avoiding loan losses, its net interest margin will be. Thus, banks tend to increase their concentration of relatively loans during periods of prosperity, and they increase their concentration of relatively conditions are less favorable. investments when economic