B.8.

Average Loan-Deposit Ratios at Agricultural Banks in Selected Federal Reserve
Districts
__________________________________________________________________________________
__________________________________________________________________________________
_________________________
Total

Kansas

(entire U.S.)
St. Louis

Chicago
Francisco

San
Cleveland
Minneapolis

Atlanta
City

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
Period
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......
.68
363
52
.73
1997......
.72
346
49
.66
1998......
.71
321
48
.66
1999......
.75
300
48
.72
2000......
.78
293
50
.74
2001......
.75
283
45
.75
2002......
.76
281
41
.76
2003......
.75
286
42
.81
2004......
.78
278
36
.91
2005......

|

3,239
.66
16.45
|
3,101
.70
16.44
|
2,968
.69
16.34
|
2,866
.72
15.67
|
2,767
.75
15.08
|
2,683
.73
14.88
|
2,591
.75
14.83
|
2,549
.73
14.59
|
2,470
.73
14.50
|
2,429

.66
609
574

49
.70

.69

.72

.68
558
538

.74

.76

40

.78
457

.85

776

38
39

.79

93

.81

83

759
.52

.71

733
.53

.74

715
.56

.77

693
.62

267

.75

675
.61

.77

646
.61

.75

640
.61

.77

611
.64

.76

612

249
76

241

75
.79

.81

277

84

.76

.70

269

.79
.76

312

92

.76

795
.49

289

.76

726
40

.71

.80

736

113
99

.86

746

.82
.79

838

43

.77

.68

.68
313

.68

796

.78
.75

.75
.76

39

.76
489
478

41

113
.64

868

.76
.74

890

40

.75
519
497

45

.71
.72

.77
928

235
78

.81
271
30
.92
2006......
.82
254
33
.98

.77
14.27
|
2,366
.78
14.04

2001: Q1...
.78
282
46
.76
Q2...
.78
291
44
.80
Q3...
.78
296
45
.79
Q4...
.75
283
45
.75

|

2002: Q1...
.76
273
43
.75
Q2...
.77
284
45
.77
Q3...
.78
289
44
.77
Q4...
.76
281
41
.76

|

2003: Q1...
.75
271
41
.78
Q2...
.76
281
43
.78
Q3...
.77
287
43
.76
Q4...
.75
286
42
.81

|

2004: Q1...
.76
267
43
.82
Q2...
.78
287
43
.86
Q3...
.79
291
42
.86
Q4...
.78
278
36
.91

|

2,755
.73
14.95
|
2,736
.76
15.21
|
2,725
.76
15.10
|
2,683
.73
14.88
2,653
.72
14.75
|
2,637
.75
15.07
|
2,625
.77
15.13
|
2,591
.75
14.83
2,578
.72
14.60
|
2,595
.75
14.88
|
2,579
.75
14.90
|
2,549
.73
14.59
2,512
.71
14.30
|
2,528
.75
14.63
|
2,510
.76
14.76
|
2,470
.73
14.50

437

.84
.81

425

48
.84

.75
514
508

.77
.77

498

.74

.76

.77

.82

.75

.76
485
478

469

.75

.80

.78
468
462

.86

.79

742

42

732

.77

.76

.76

.81
726

88

257

682
.62

.77

683
.63

.75

675
.61

.74

664
.60

.77

654
.62

.78

657
.64

.77

646
.61

.75

646
.60

.77

640
.62

.79

644
.63

.75

640
.61

.75

626
.60

.76

623
.65

.78

618
.67

.77

611
.64

240
76

76

241

246
245

79

237

75
.79

.76

249

77

.80

696
.61

249

.78
.83

248

87

.80

724

89

.78
.76

264

80

.77

.75

254

.78

730
42

84

267

84

.79

736

83

.79

.80

265

89

.79

603
.65

256

.78

735
38

.76

.80

39
.82

.79

.76

.80

43

.78
457

40

.84
.79

753

95
100

.79

44

.77

.79

750

.81
.75

770

39

.81

.77

.77

266

.77

746

.77
.76

776

43
.78

490

.84

762
37

95

.82

40

.76
489

490

40

.81
.77

791

.62

220

.76

778
40

72

.84

43

.77
494
497

41

228

.80

798

.80
.74

.85

40

.80

.80

702

.76

506
497

722

235

2005: Q1...
.79
269
33
.97
Q2...
.81
281
32
.97
Q3...
.82
284
32
.96
Q4...
.81
271
30
.92

|

2,457
.73
14.18
|
2,466
.78
14.48
|
2,450
.79
14.53
|
2,429
.77
14.27

2006: Q1...
.82
268
28
.97
Q2...
.84
269
32
1.03
Q3...
.85
268
30
1.02
Q4...
.82
254
33
.98

|

2,412
.75
14.08
|
2,409
.79
14.28
|
2,383
.80
14.32
|
2,366
.78
14.04

.78
451
446

42
.83

.80

.87

.81
443
437

437

.79

.84

.86

.89

43

722

716

43

.80

.81

.84

.79

.87

701

.86

244

78

80

228

222

77

.82

.80

606
.65

.79

610
.67

.76

612
.62

.76

606
.61

.79

608
.64

.78

604
.69

.77

603
.65

226
80

226

72
.80

603
.62

235

.81

.85
702

78
82

.80

.76
239

.81

716

48
.84

.82
.83

42

.81
425

40

79
.78

711

.89
.83

724

42

.82
429
423

42

.88
.79

.80
728

220

2007: Q1...
|
2,371
.81
48
.85
75
.77
599
.83
262
.76
427
.85
695
.80
226
.65
30
.98
14.01
Q2...
|
2,361
.83
46
.86
82
.78
587
.84
265
.80
425
.88
688
.82
228
.68
31
1.00
14.29
Q3...
|
2,348
.83
47
.87
83
.80
590
.84
265
.81
421
.88
677
.82
228
.69
29
1.01
14.25
__________________________________________________________________________________
__________________________________________________________________________________
_________________________
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