RE:RE:RE:RE:RE:RE:RE:RE:40 cents! New Target?You're confusing Loans o/s and total loans.
If they have loan commitments of 70M, they are collecting their 5% availability fee on the 70M.
If doctors have borrowed 40M of the 70M, they pay additional interest on the 40M. Most doctors (logically) would have a loan balance during the month and attempt to pay it off at month end when they get their gov't payments.
The end of the month loan balance doesn't matter, what matters is the average monthly loan balance.