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:

1. (A) The nature and volume of the bank's business;
2. (B) The amount, nature, quality, and liquidity of the bank's assets;
3. (C) The amount and nature of the bank's liabilities, including those that are not presently due or are contingent;
4. (D) The amount and nature of the bank's fixed costs;
5. (E) The history of and prospects for the bank to earn and retain income;
6. (F) The quality of the bank's operations, including risk management;
7. (G) The quality of the bank's management;
8. (H) The nature and quality of the bank's ownership;
9. (I) Any other factor the superintendent finds to be relevant under the circumstances.