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Commercial Banking - Chapters 16 & 17 - F23 _ (DETAILED ANSWERS) 2024 - DISTINCTION
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Commercial Banking - Chapters 16 & 17 - F23 _ (DETAILED ANSWERS) 2024 - DISTINCTION
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8/5/24, 8:33 AMCommercial Banking - Chapters 16 & 17 - F23
Jeremiah
Terms in this set (36)
1. The principal economic function of banks make loans.
is to:
A. take deposits. B. make loans. C. sell
financial services. D. encourage spending
2. According to the textbook, the largest real estate loans.
category (by dollar volume) of loans
extended by U.S. banks is:
A. real estate loans. B. financial institution
loans. C. agricultural loans. D. commercial
and industrial loans.
3. Loans providing credit to finance the loans to individuals.
purchase of automobiles, mobile homes,
appliances, and her retail goods to repair
and modernize homes are classified under
the category:
A. financial institution loans. B. commercial
industrial. C. loans to individuals. D.
miscellaneous loans.
4. Loans extended to farm and ranch agricultural loans.
operations to assist in planting and
harvesting crops and to support the feeding
and care of livestock are known as:
A. real estate loans. B. commercial and
industrial loans. C. land loans. D. agricultural
loans.
Commercial Banking - Chapters 16 & 17 - F23
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, 8/5/24, 8:33 AM
5. Loans granted to businesses to cover such commercial and industrial loans.
expenses as purchasing inventories, paying
taxes, and meeting payrolls are known as:
A. commercial and industrial loans. B.
agricultural loans. C. real estate loans. D.
loans to individuals.
6. A loan to a local business to purchase a a commercial and industrial loan
new machine would be categorized as:
A. a consumer loan. B. an agriculture loan. C.
a commercial and industrial loan. D. a real
estate loan.
7. A lender's secondary source of repayment collateral
in case of a default is:
A. capacity. B. collateral. C. character. D.
capital. E. credit.
8. The TRC Company is required by its bank A negative covenant
to pay no dividend over $3 per share. What
is this restraint known as?
A. An affirmative covenant B. A negative
covenant C. A special covenant D. A
horizontal covenant
9. The process of resolving a troubled loan loan workout.
so that a lender can recover its funds is
called:
A. loan review. B. written loan policy. C. loan
workout. D. loan commitment agreement.
10. Which of the following is a sign of a Changes in the methods used to account for inventory, depreciation, and other items
potential loan problem?
A. Timely receipt of financial statements from
the company that has taken a loan
B. Regular increase in the stock price of the
company that has taken a loan
C. Increase in earnings for each of the last
three years of a company that has taken a
loan
D. Changes in the methods used to account
for inventory, depreciation, and other items
11. Which of the following requires that bank Sarbanes-Oxley Act of 2002
loans to insiders be priced at market rates?
A. Community Reinvestment Act of 1977 B.
Equal Credit Opportunity Act of 1974 C.
Sarbanes-Oxley Act of 2002 D. Bank Lending
Act of 2003 E. U.S. Patriot Act
Commercial Banking - Chapters 16 & 17 - F23
https://quizlet.com/858556771/commercial-banking-chapters-16-17-f23-flash-cards/ 2/7
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