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

2001 2000 1999 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 2001, 2000, and 1999:

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).