Evaluating adequacy of bank's capital

No state bank shall operate without adequate capital as determined by the superintendent of financial institutions. In evaluating the adequacy of a state bank's capital, the superintendent may consider any of the following:(A) The nature and volume of the bank's business;(B) The amount, nature, quality, and liquidity of the bank's assets;(C) The amount and nature of the bank's liabilities, including those that are not presently due or are contingent;(D) The amount and nature of the bank's fixed costs;(E) The history of and prospects for the bank to earn and retain income;(F) The quality of the bank's operations, including risk management;(G) The quality of the bank's management;(H) The nature and quality of the bank's ownership;(I) Any other factor the superintendent finds to be relevant under the circumstances.