The percentage change in total assets over the previous 12 months. Moderate growth is generally a positive indicator since it can reflect the maintenance or expansion of the company’s market share, leading to the generation of additional revenues. Excessive growth, however, is generally a sign of trouble as it can indicate a loosening of underwriting practices in order to attract new business.

The percentage change in total assets over the past 5 years. This ratio elaborates on the long term growth and performance and gives more insight on the stability of the company’s operations.

The ratio of foreclosed loans written off the institution’s books over the last five years (less previous write-offs that were recovered) as a percentage of average loans for the five years.

The ratio of net income for a five year period as a percentage of average assets.