Calculate the following for 2009, 2008, and 2007

The following are statistics from the annual report of Dover Bank:

	2009	2008	2007
Average earning assets	$50,000,000	$45,000,000	$43,000,000
Average total assets	58,823,529	54,216,867	52,000,000
Income before securities   transactions	530,000	453,000	420,000
Interest margin	2,550,000	2,200,000	2,020,000
Pretax income before securities   transactions	562,000	480,500	440,000
Provision for loan losses	190,000	160,000	142,000
Net charge-offs	180,000	162,000	160,000
Average equity	4,117,600	3,524,000	3,120,000
Average net loans	32,500,000	26,000,000	22,500,000
Average deposits	52,500,000	42,500,000	37,857,000

Required

a. Calculate the following for 2009, 2008, and 2007:

1. Earning assets to total assets

2. Interest margin to average earning assets

3. Loan loss coverage ratio

4. Equity to total assets

5. Deposits times capital

6. Loans to deposits

b. Comment on trends found in the ratios computed in (a).