Which of the following is NOT a criterion for evaluating bank liquidity used by regulators? a. availability of assets readily converted into cash b. the diversity of the bank's money market assets c. the bank's formal and informal commitments for future lending or investments d. structure and volatility of deposits All of the following are common ratio measures of bank liquidity EXCEPT: a. loans/deposits b. loansondeposit liabilities c. unencumbered liquid assetsondeposit liabilities d fixed assets/loans