Which of the following is not a service that a depository institution might offer?

An analyst is evaluating two companies, A and B. Company A has a debt ratio of 50% and

Company B has a debt ratio of 25%. In his report, the analyst is concerned about Company B's debt level, but not about Company A's debt level. Which of the following would best explain this position? A) Company B has much higher operating income than Company A. B) Company B has more total assets than Company A. C) Company A has a lower times interest earned ratio and thus the analyst is not worried about the amount of debt. D) Company B has a higher operating return on assets than Company A, but Company A has a higher return on equity than Company B.

Holding all else constant, when a bank receives the funds for a deposited check,

A) cash items in process of collection fall by the amount of the check. B) bank assets increase by the amount of the check. C) bank liabilities decrease by the amount of the check. D) all of the above occur.