1. (a) The financial condition of the applicant including asset quality, earnings capacity and surplus or net worth position.
2. (b) The applicant's management.
3. (c) Compliance with applicable laws, regulations and generally accepted accounting and operational principles.
4. (d) Availability of insurance.
5. (e) Whether an insurance application has been filed and is now pending with an insurer as specified in section 32.1 of the Banking Law.
6. (f) The interests of the public, in general, and the interests of the depositors or shareholders, in particular, and whether approval of the application would serve such interests.

In determining whether or not to approve an application, the superintendent shall consider, but not be limited to, the following: