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...

Extracted text: 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