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
________________________________________________________________________________
________________________________________________________________________________
__
1996......
.6
.4
1997......
.1
.5
1998......
.5
.5
1999......
.9
.3
2000......
.2
.4
2001......
.7
.4
2002......
.6
.6
2003......
.4
.6
2004......
.8

|
.5
|
1.1
|
1.3
|
1.9
|
1.8
|
1.3
|
1.7
|
1.8
|
2.0

100.0
11.4 12.3

2.1

100.0
11.4 12.3

1.6

100.0
11.3 11.7

2.0

100.0
11.8 11.9

2.9

100.0
11.7 11.4

2.4

100.0
10.8 10.4

3.1

100.0
11.5 10.6

3.0

100.0
11.2 10.7

2.7

100.0
11.5 10.5

2.1

1.2
1.2
1.2
1.2
1.2
1.1
1.2
1.2
1.2

5.6
1.2

33.4

5.9
1.2

34.5

8.7
1.2

35.6

7.9
1.1

34.8

8.9
1.1

35.3

12.6
1.0

37.6

10.7
1.1

35.1

12.2
1.1

36.6

10.0
1.1

34.9

.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

.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

.4

31.4
.3

13.5
11.0

4
10

.4

29.3
.3

12.9
10.8

4
10

.3

31.4
.2

13.8
10.9

5
10

.6
2005......
|
.4
2.8
.7
2006......
|
.6
2.8
.2
2002: Q4...
|
a.
n.a.
.6
2003: Q1...
a.
n.a.
.6
Q2...
a.
n.a.
.6
Q3...
a.
n.a.
.7
Q4...
a.
n.a.
.6

|

2004: Q1...
a.
n.a.
.7
Q2...
a.
n.a.
.4
Q3...
a.
n.a.
.7
Q4...
a.
n.a.
.6

|

2005: Q1...
a.
n.a.
.5
Q2...
a.
n.a.
.7
Q3...
a.
n.a.
.7
Q4...
a.
n.a.
.7

|

100.0
11.8 10.7

1.7

100.0
11.4 10.1

2.7

n.a.
10.6

n.a.

n.a.

n.a.

10.1
1.1

34.5

10.9
1.1

35.7

n.a.
1.1

n.a.

n.a.
.3

n.a.

.3

n.a.
.6

n.a.

.6

n.a.
.8

n.a.

.9

n.a.
1.1

n.a.

1.2

n.a.
.3

n.a.

.3

n.a.
.5

n.a.

.6

n.a.
.8

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.
.8

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

1.2
1.2

11.5

3.0

1.2

|

2.9
n.a.

n.a.

6.0
|

5.6
n.a.

n.a.

8.9
|

8.5
n.a.
10.7

n.a.

n.a.

n.a.

11.2

2.9
|

2.7
n.a.

n.a.

6.1
|

5.5
n.a.

n.a.

8.9
|

8.0
n.a.
10.5

n.a.

n.a.

n.a.

11.5

3.0
|

2.9
n.a.

n.a.

5.9
|

5.6
n.a.

n.a.

9.0
|

8.3

2006: Q1...
|
a.
n.a.
.7
Q2...
|
a.
n.a.
.8
Q3...
|
a.
n.a.
.2

n.a.
10.7

n.a.

n.a.

n.a.

11.8

3.0

2.7
n.a.

n.a.

6.1

5.7
n.a.

9.0

n.a.
8.0

.2

29.9
.2

14.6
10.7

6
10

.2

30.1
.2

13.1
10.7

4
11

.4

n.a.
.3

n.a.
11.0

n.
10

.1

n.a.
.1

n.a.
11.0

n.
10

.1

n.a.
.1

n.a.
11.1

n.
10

.2

n.a.
.2

n.a.
11.0

n.
10

.4

n.a.
.3

n.a.
10.8

n.
10

.1

n.a.
.1

n.a.
11.0

n.
10

.1

n.a.
.1

n.a.
10.7

n.
10

.2

n.a.
.2

n.a.
11.0

n.
10

.3

n.a.
.2

n.a.
10.9

n.
10

.0

n.a.
.0

n.a.
10.9

n.
10

.1

n.a.
.1

n.a.
11.1

n.
10

.1

n.a.
.1

n.a.
11.0

n.
10

.2

n.a.
.2

n.a.
10.7

n.
10

.0

n.a.
.0

n.a.
10.8

n.
10

.1

n.a.
.1

n.a.
10.7

n.
10

.1

n.a.
.1

n.a.
10.9

n.
11

a.
.2

Q4...
|
n.a.

n.a.
10.1

11.4

n.a.
1.2

n.a.
1.1

n.a.
.2

n.a.
.2

n.a.
10.7

n.
11

2007: Q1...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
2.8
2.3
.3
.3
.0
.0
10.8 11
.3
Q2...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
5.7
4.6
.6
.5
.1
.1
10.7 11
.3
Q3...
|
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.
n.
a.
n.a.
8.4
6.6
.9
.7
.2
.1
10.9 11
.5
________________________________________________________________________________
________________________________________________________________________________
__
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