In determining for purposes of this division whether the shareholders’ equity of a bank or of a proposed bank is adequate, the commissioner shall consider:

1. (a) The nature and volume of the business of the bank;
2. (b) The amount, nature, quality, and liquidity of the assets of the bank;
3. (c) The amount and nature of the liabilities (including, but not limited to, any capital notes or debentures and any contingent liabilities) of the bank;
4. (d) The amount and nature of the fixed charges of the bank;
5. (e) The history of, and prospects for, the bank to earn and retain income;
6. (f) The quality of the operations of the bank;
7. (g) The quality of the management of the bank;
8. (h) The nature and quality of the ownership of the bank; and
9. (i) Such other factors as are in the opinion of the commissioner relevant.