(a) is inconsistent with and prejudicial to the safe and sound conduct of the business of banking organizations;
(b) is inconsistent with and prejudicial to the interest of the public, and is inconsistent with and prejudicial to the interests of depositors, creditors, shareholders and stockholders, as the case may be; and
(c) constitutes an unsafe manner of conducting the business of banking organizations.
The superintendent hereby finds that violation of any of the provisions of section 3.1 of this Part: