Note: the Residential Mortgages All Have a Loan-To-Value of Between

question 111

Multiple Choice

$\begin{array}{c}\begin{array}{lll} \text {Cash and Treasury securities}\\ \text {Fed Funds Sold}\\ \text {Residential Mortgages 1-4 family}\\ \text {Commercial Loans}\end{array}\begin{array}{lll} \text { \$ 100 million}\\ \text {\$ 100 million}\\ \text { \$ 200 million}\\ \text {\$ 600 million}\end{array}\end{array}$
Note: The residential mortgages all have a loan-to-value of between 60 and 80 percent.
-What is the ratio of capital to risk-adjusted assets, if the bank has capital of $50 million?

• A)5.00 percent.
• B)5.56 percent.
• C)6.94 percent.
• D)8.33 percent.
• E)6.25 percent.

Understand the influence of ethnic and racial matching on therapy outcomes and client behaviors.

Recognize the unique healing processes of Native American and other cultural healing traditions.

Comprehend the mechanisms and implications of Electroconvulsive Therapy (ECT).

Understand the function of neurotransmitters and their role in mental health.

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Definitions:

Negative Reinforcement

A type of operant conditioning that involves the removal of an unpleasant stimulus to increase the likelihood of a desired behavior.

Conditional Punishment

Rendering a consequence that reduces the likelihood of a behavior occurring in the future by associating it with an aversive outcome.

Primary Reinforcement

A naturally reinforcing stimulus, such as food or water, which fulfills a biological need.

Secondary Reinforcement

A process in behaviorism where a stimulus reinforces a behavior after it has been associated with a primary reinforcer, often taking the form of social approval, tokens, or money.