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

1996......
1997......
1998......
1999......
2000......
2001......
2002......
2003......
2004......
2005......
2006......

3,239
3,101
2,968
2,866
2,767
2,683
2,591
2,549
2,470
2,429
2,366

.66
.69
.68
.72
.75
.74
.76
.75
.78
.79
.81

49
45
40
41
39
40
43
38
39
40
48

.77
.75
.76
.85
.86
.79
.80
.76
.81
.81
.85

113
113
99
93
92
83
84
76
75
78
72

.68
.70
.71
.74
.77
.75
.77
.75
.77
.76
.77

795
759
733
715
693
675
646
640
611
612
603

.68
.72
.71
.75
.78
.75
.76
.75
.78
.81
.82

363
346
321
300
293
283
281
286
278
271
254

.66
.70
.69
.72
.75
.73
.75
.73
.73
.77
.78

609
574
558
538
519
497
489
478
457
437
425

.70
.72
.71
.74
.76
.76
.78
.77
.82
.84
.84

928
890
868
838
796
776
746
736
726
722
702

.64
.68
.68
.71
.76
.76
.79
.76
.79
.80
.80

313
312
289
277
269
267
249
241
235
228
220

.49
.52
.53
.56
.62
.61
.61
.61
.64
.62
.65

52
49
48
48
50
45
41
42
36
30
33

.73
.66
.66
.72
.74
.75
.76
.81
.91
.92
.98

16.45
16.44
16.34
15.67
15.08
14.88
14.83
14.59
14.50
14.27
14.04

2000: Q3...
Q4...

2,790
2,767

.77
.75

42
39

.88
.86

93
92

.80
.77

698
693

.80
.78

306
293

.77
.75

523
519

.79
.76

796
796

.76
.76

261
269

.61
.62

54
50

.76
.74

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...
Q3...
Q4...

2,512
2,528
2,510
2,470

.75
.78
.79
.78

42
43
42
39

.77
.80
.83
.81

76
77
79
75

.75
.76
.78
.77

626
623
618
611

.76
.78
.79
.78

267
287
291
278

.71
.75
.76
.73

469
468
462
457

.80
.84
.86
.82

732
730
724
726

.76
.78
.80
.79

246
245
237
235

.60
.65
.67
.64

43
43
42
36

.82
.86
.86
.91

14.30
14.63
14.76
14.50

2005: Q1...
Q2...
Q3...
Q4...

2,457
2,466
2,450
2,429

.78
.80
.81
.79

42
42
42
40

.80
.82
.83
.81

79
78
82
78

.76
.80
.79
.76

603
606
610
612

.79
.81
.82
.81

269
281
284
271

.73
.78
.79
.77

451
446
443
437

.83
.87
.88
.84

728
724
711
722

.78
.80
.81
.80

239
244
235
228

.62
.65
.67
.62

33
32
32
30

.97
.97
.96
.92

14.18
14.48
14.53
14.27

2006: Q1...
Q2...
Q3...
Q4...

2,412
2,409
2,383
2,366

.79
.82
.83
.81

43
42
43
48

.84
.87
.86
.85

80
77
80
72

.76
.79
.78
.77

606
608
604
603

.82
.84
.85
.82

268
269
268
254

.75
.79
.80
.78

437
429
423
425

.86
.89
.89
.84

716
716
701
702

.79
.81
.82
.80

222
226
226
220

.61
.64
.69
.65

28
32
30
33

.97
1.03
1.02
.98

14.08
14.28
14.32
14.04

2007: Q1...

2,371

.81

48

.85

75

.77

599

.83

262

.76

427

.85

695

.80

226

.65

30

.98

14.01

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