B.8.

Average Loan-Deposit Ratios at Agricultural Banks in Selected Federal Reserve Districts
Total
(entire U.S.)

Period

Cleveland

Atlanta

Chicago

St. Louis

Kansas
City

Minneapolis

San
Francisco

Dallas

Minimum
Number Loans to Number Loans to Number Loans to Number Loans to Number Loans to Number Loans to Number Loans to Number Loans to Number Loans to farm loan
of banks deposits of banks deposits of banks deposits of banks deposits of banks deposits of banks deposits of banks deposits of banks deposits of banks deposits
ratio

1993......
1994......
1995......
1996......
1997......
1998......
1999......
2000......
2001......
2002......
2003......

3,707
3,530
3,352
3,239
3,101
2,968
2,866
2,767
2,683
2,591
2,549

.58
.63
.64
.66
.69
.68
.72
.75
.74
.76
.75

66
56
53
49
45
40
41
39
40
43
38

.65
.71
.72
.77
.75
.76
.85
.86
.79
.80
.76

126
124
118
113
113
99
93
92
83
84
76

.62
.64
.66
.68
.70
.71
.74
.77
.75
.77
.75

909
857
816
795
759
733
715
693
675
646
640

.60
.64
.65
.68
.72
.71
.75
.78
.75
.76
.75

429
398
375
363
346
321
300
293
283
281
286

.59
.63
.65
.66
.70
.69
.72
.75
.73
.75
.73

669
656
619
609
574
558
538
519
497
489
478

.62
.67
.68
.70
.72
.71
.74
.76
.76
.78
.77

1,062
1,012
959
928
890
868
838
796
776
746
736

.57
.62
.63
.64
.68
.68
.71
.76
.76
.79
.76

375
360
344
313
312
289
277
269
267
249
241

.44
.48
.49
.49
.52
.53
.56
.62
.61
.61
.61

58
52
53
52
49
48
48
50
45
41
42

.73
.78
.74
.73
.66
.66
.72
.74
.75
.76
.81

17.16
17.10
16.83
16.45
16.44
16.34
15.67
15.08
14.88
14.83
14.59

1997: Q4...

3,101

.69

45

.75

113

.70

759

.72

346

.70

574

.72

890

.68

312

.52

49

.66

16.44

1998: Q1...
Q2...
Q3...
Q4...

3,058
3,065
3,036
2,968

.69
.72
.72
.68

45
46
46
40

.76
.77
.79
.76

109
110
109
99

.71
.74
.75
.71

740
737
733
733

.72
.75
.75
.71

328
341
341
321

.69
.73
.73
.69

570
570
569
558

.73
.77
.77
.71

886
889
880
868

.68
.71
.72
.68

314
306
294
289

.51
.54
.55
.53

50
49
49
48

.66
.71
.70
.66

16.32
16.81
16.78
16.34

1999: Q1...
Q2...
Q3...
Q4...

2,957
2,872
2,918
2,866

.69
.72
.74
.72

42
41
44
41

.79
.85
.84
.85

100
93
106
93

.72
.74
.75
.74

720
716
716
715

.72
.75
.77
.75

317
302
319
300

.69
.72
.74
.72

550
539
547
538

.72
.74
.77
.74

868
838
846
838

.68
.71
.72
.71

297
279
275
277

.53
.57
.57
.56

48
48
51
48

.69
.72
.74
.72

16.04
16.26
16.23
15.67

2000: Q1...
Q2...
Q3...
Q4...

2,842
2,834
2,790
2,767

.73
.76
.77
.75

41
43
42
39

.86
.89
.88
.86

97
96
93
92

.75
.78
.80
.77

705
707
698
693

.76
.79
.80
.78

288
306
306
293

.71
.76
.77
.75

536
529
523
519

.76
.80
.79
.76

831
814
796
796

.72
.76
.76
.76

278
268
261
269

.57
.61
.61
.62

50
54
54
50

.74
.78
.76
.74

15.28
15.49
15.36
15.08

2001: Q1...
Q2...
Q3...
Q4...

2,755
2,736
2,725
2,683

.75
.77
.77
.74

40
41
43
40

.84
.84
.82
.79

95
95
100
83

.75
.76
.77
.75

696
682
683
675

.78
.78
.78
.75

282
291
296
283

.73
.76
.76
.73

514
508
506
497

.76
.80
.80
.76

798
791
778
776

.76
.77
.77
.76

266
265
256
267

.61
.62
.63
.61

46
44
45
45

.76
.80
.79
.75

14.95
15.21
15.10
14.88

2002: Q1...
Q2...
Q3...
Q4...

2,653
2,637
2,625
2,591

.74
.77
.77
.76

40
40
37
43

.79
.79
.79
.80

84
89
89
84

.74
.77
.78
.77

664
654
657
646

.76
.77
.78
.76

273
284
289
281

.72
.75
.77
.75

498
494
497
489

.77
.81
.82
.78

770
762
753
746

.76
.78
.79
.79

264
254
248
249

.60
.62
.64
.61

43
45
44
41

.75
.77
.77
.76

14.75
15.07
15.13
14.83

2003: Q1...
Q2...
Q3...
Q4...

2,578
2,595
2,579
2,549

.75
.76
.76
.75

39
40
44
38

.80
.80
.79
.76

80
88
87
76

.75
.77
.79
.75

646
640
644
640

.75
.76
.77
.75

271
281
287
286

.72
.75
.75
.73

490
490
485
478

.77
.81
.81
.77

750
742
735
736

.78
.77
.78
.76

249
257
240
241

.60
.62
.63
.61

41
43
43
42

.78
.78
.76
.81

14.60
14.88
14.90
14.59

2004: Q1...
Q2...

2,512
2,528

.75
.78

42
43

.77
.80

76
77

.75
.76

626
623

.76
.78

267
287

.71
.75

469
468

.80
.84

732
730

.76
.78

246
245

.60
.65

43
43

.82
.86

14.30
14.63

Note. The loan-deposit ratio is defined as total loans divided by total deposits. Agricultural banks are defined as banks with a farm loan ratio at least as great as that shown in the last column,
as described in the introduction to section B. Yearly data are as of December 31. Quarterly data are as of end of quarter.

28