The Second State Bank Has Less Than $100 Million in Assets

Multiple Choice

The Second State Bank has less than $100 million in assets and as a result primarily makes real estate loans,other consumer loans and loans to very small businesses.What factor determining the growth and mix of loans does this fact reflect?

A) Characteristics of the market area
B) Lender size
C) The experience and expertise of management
D) The written loan policy of the bank
E) Bank regulations