Timothy Gartner,an Employee in the Bank of Trust and Faith,has

question 61

Multiple Choice

Timothy Gartner,an employee in the Bank of Trust and Faith,has requested for a loan of $200,000 to buy a private cruise.The bank has an unimpaired capital and surplus of $38 million and $75 million in total time and savings deposits.Average revenue for the bank in the last three years is $18.5 million and a net interest income of $5.2 million.What is the maximum amount of loan the bank can grant to Timothy?

• A)$950,000
• B)$200,000
• C)$25,000
• D)$100,000
• E)The bank cannot make loans to its own employees

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Definitions:

Neuropsychological Assessment

A comprehensive evaluation of cognitive, behavioral, and emotional functions using a set of standardized tests and procedures, typically performed by a clinical neuropsychologist.

Mental Ability

The capacity to learn, reason, solve problems, and adapt to new situations, often assessed through intelligence testing.

Vocations

Occupations or careers especially regarded as a person's life's work or calling, influenced by their skills, interests, and passion.

Learning Disabilities

Neurologically-based processing problems that can interfere with learning basic skills such as reading, writing, or math, and can also hinder higher-level skills such as organization, time planning, abstract reasoning, long or short term memory, and attention.