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The following are statistics from the annual report of Dover Bank: 2005 2004 2003 Average earning assets Average total assets Income before securities transactions Interest margin Pretax income before securities transactions Provision for loan losses Net charge-offs Average equity Average net loans Average deposits S50,000,000 58,823,529 530,000 2,550,000 562,000 190,000 180,000 4,117,600 32,500,000 52,500,000 $45,000,000 54,216,867 453,000 2,200,000 480,500 160,000 162,000 3,524,000 26,000,000 42,500,000 $43,000,000 52,000,000 420,000 2,020,000 440,000 142,000 160,000 3,120,000 22,500,000 37,857,000 a. Calculate the following for 2005, 2004, and 2003: 1. Earning assets to total assets 2. Interest margin to average earning assets Loan loss coverage ratio 4. Equity to total assets 5. Deposits times capital 6. Loans to deposits Comment on trends found in the ratios computed in (a)