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

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).

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2009 2007 $50,000,000 58,823,529 530,000 2,550,000 562.000 $45,000,000 54,216,867 453,000 2,200,000 480.500 S43,000,000 52,000,000 Average earning assets Average total assets Income before securities transactions Interest margin Pretax income before securities transactions 2,020,000 440.000 2007 Provision for loan losses Net charge-offs Average equity Average net loans Average deposits 190,000 180,000 4,117,600 32,500,000 52,500,000 162,000 3,524,000 26,000,000 42,500,000 142,000 160,000 3, 120,000 22,500,000 37,857,000