B.7.

Selected Measures of Financial Performance of Agricultural and Other Small
Banks
Percent
________________________________________________________________________________
________________________________________________________________________________
__
Average rate
of return
on equity

Distribution of net income as a
Rate
Net charge-offs
share of average equity at
of return
as share
Average
agricultural banks
to assets
of total loans
capital rati

o
___________________________________________________________________
________________________________________________________________________________
__
25 percent

Agri-

Other

Agri-

Other

Agri-

Other

Agri-

Oth

er
Negative
0-4
5-9
10-14
15-19
20-2
4
and
cultural Small cultural small cultural small cultural sma
ll
Period
All banks income percent pecent percent percent perce
nt
over
banks
Banks banks
banks banks
banks banks
ban
ks
________________________________________________________________________________
________________________________________________________________________________
__
1990......
.6
.0
1991......
.5
.2
1992......
.1
.5
1993......
.6
.9
1994......
.3
.9
1995......
.3
.4
1996......
.6
.4
1997......
.1
.5
1998......
.5

|
1.1
|
.9
|
1.6
|
1.3
|
.9
|
.6
|
.5
|
1.1
|
1.3

100.0
10.8
8.5

4.9

100.0
10.9
8.8

4.3

100.0
12.5 11.3

2.0

100.0
12.3 12.3

1.6

100.0
11.8 12.5

1.5

100.0
11.2 12.1

1.4

100.0
11.4 12.3

2.1

100.0
11.4 12.3

1.6

100.0
11.3 11.7

2.0

1.0
1.0
1.2
1.2
1.2
1.2
1.2
1.2
1.2

7.5
.7

33.4

7.6
.7

32.2

5.3
1.0

25.3

5.9
1.1

27.8

5.9
1.1

31.4

5.7
1.2

37.1

5.6
1.2

33.4

5.9
1.2

34.5

8.7
1.2

35.6

.4

37.6
.7

12.9
9.9

2
9

.4

39.2
.8

13.3
10.1

2
9

.4

41.1
.7

19.6
10.4

5
9

.2

40.4
.4

18.4
10.8

4
9

.2

40.1
.3

16.9
10.7

3
9

.2

39.6
.3

13.4
11.2

2
10

.2

41.6
.3

14.2
10.9

2
10

.2

39.7
.3

14.2
11.0

3
10

.2

35.5
.3

13.4
10.9

3
10

.5
1999......
|
.9
1.9
.3
2000......
|
.2
1.8
.4
2001......
|
.7
1.3
.4
1997: Q4...
|
a.
n.a.
.5
1998: Q1...
a.
n.a.
.5
Q2...
a.
n.a.
.7
Q3...
a.
n.a.
.8
Q4...
a.
n.a.
.5

|

1999: Q1...
a.
n.a.
.5
Q2...
a.
n.a.
.4
Q3...
a.
n.a.
.4
Q4...
a.
n.a.
.3

|

2000: Q1...
a.
n.a.
.2
Q2...
a.
n.a.
.3
Q3...
a.
n.a.
.4
Q4...
a.
n.a.
.4

|

100.0
11.8 11.9

2.9

100.0
11.7 11.4

2.4

100.0
10.8 10.4

3.1

n.a.
12.3

n.a.

n.a.

n.a.

7.9
1.1

34.8

8.9
1.1

35.3

12.6
1.0

37.6

n.a.
1.2

n.a.

n.a.
.3

n.a.

.3

n.a.
.6

n.a.

.6

n.a.
.9

n.a.

1.0

n.a.
1.2

n.a.

n.a.
.3

n.a.

.3

n.a.
.6

n.a.

.6

n.a.
.9

n.a.

.9

n.a.
1.1

n.a.

1.2

n.a.
.3

n.a.

.3

n.a.
.6

n.a.

.6

n.a.
.9

n.a.

.9

n.a.
1.1

n.a.

1.2

n.a.
.3

n.a.

.3

n.a.
.5

n.a.

.6

1.2
1.2
1.1

11.4

3.0

1.2

|

3.3
n.a.

n.a.

6.1
|

6.4
n.a.

n.a.

8.9
|

9.1
n.a.
11.7

n.a.

n.a.

n.a.

11.3

2.9

1.2

|

3.0
n.a.

n.a.

6.0
|

6.1
n.a.

n.a.

9.1
|

8.9
n.a.
11.9

n.a.

n.a.

n.a.

11.8

3.2
|

3.1
n.a.

n.a.

6.5
|

6.1
n.a.

n.a.

9.3
|

8.9

2001: Q1...
|
a.
n.a.
.5
Q2...
|
a.
n.a.
.5

n.a.
11.4

n.a.

n.a.

n.a.

11.7

2.8

2.8
n.a.

5.6

n.a.
5.4

.3

33.3
.3

14.2
10.5

4
10

.3

33.5
.3

13.8
10.7

4
10

.3

28.6
.3

13.1
10.7

3
10

.2

n.a.
.3

n.a.
11.0

n.
10

.0

n.a.
.1

n.a.
11.2

n.
10

.1

n.a.
.1

n.a.
11.2

n.
10

.1

n.a.
.2

n.a.
11.4

n.
10

.2

n.a.
.3

n.a.
10.9

n.
10

.0

n.a.
.1

n.a.
11.0

n.
10

.1

n.a.
.1

n.a.
10.8

n.
10

.2

n.a.
.2

n.a.
10.8

n.
10

.3

n.a.
.3

n.a.
10.5

n.
10

.0

n.a.
.1

n.a.
10.5

n.
10

.1

n.a.
.1

n.a.
10.6

n.
10

.1

n.a.
.2

n.a.
10.7

n.
10

.3

n.a.
.3

n.a.
10.7

n.
10

.0

n.a.
.1

n.a.
11.0

n.
10

.1

n.a.
.1

n.a.
11.0

n.
10

a.
.6
a.
.4

Q3...
|
n.a.

8.2

n.a.

Q4...
|
n.a.

10.8

n.a.

n.a.
.8

n.a.

.9

n.a.
1.0

n.a.

1.1

7.9
n.a.
10.4

n.a.

.2

n.a.
.2

n.a.
11.2

n.
10

.3

n.a.
.3

n.a.
10.7

n.
10

2002: Q1...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
3.0
2.9
.3
.3
.1
.1
10.8 10
.4
Q2...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
6.0
5.6
.6
.6
.1
.1
11.1 10
.6
Q3...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
8.9
8.3
.9
.8
.2
.2
11.2 10
.7
________________________________________________________________________________
________________________________________________________________________________
__
Note. Agricultural and other banks are defined in the introduction to section
B; small banks have less than $500 million in assets. Total primary and seconda
ry
capital (items that are available at the end of the period specified) are measur
ed as a percentage of total assets. Data are cumulative through the end of the
quarter indicated.
n.a. Not available.
27