B.7. Selected Measures of Financial Performance of Agricultural and Other Small Banks
Percent
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                                         Distribution of net income as a                         Average rate         Rate        Net charge-offs
                                           share of average equity at                              of return        of return        as share          Average
                                               agricultural banks                                  on equity        to assets     of total loans    capital ratio
             _____________________________________________________________________________________________________________________________________________________

                                                                                    25 percent   Agri-    Other   Agri-    Other   Agri-    Other   Agri-    Other
                              Negative    0-4     5-9     10-14    15-19    20-24      and      cultural  Small  cultural  small  cultural  small  cultural  small
Period             All banks   income   percent  pecent  percent  percent  percent     over      banks    Banks   banks    banks   banks    banks   banks    banks
__________________________________________________________________________________________________________________________________________________________________

1994......      |      100.0       1.5      5.9    31.4     40.1     16.9      3.3          .9      11.8   12.5       1.2    1.1        .2     .3      10.7    9.9
1995......      |      100.0       1.4      5.7    37.1     39.6     13.4      2.3          .6      11.2   12.1       1.2    1.2        .2     .3      11.2   10.4
1996......      |      100.0       2.1      5.6    33.4     41.6     14.2      2.6          .5      11.4   12.3       1.2    1.2        .2     .3      10.9   10.4
1997......      |      100.0       1.6      5.9    34.5     39.7     14.2      3.1         1.1      11.4   12.3       1.2    1.2        .2     .3      11.0   10.5
1998......      |      100.0       2.0      8.7    35.6     35.5     13.4      3.5         1.3      11.3   11.7       1.2    1.2        .2     .3      10.9   10.5
1999......      |      100.0       2.9      7.9    34.8     33.3     14.2      4.9         1.9      11.8   11.9       1.2    1.1        .3     .3      10.5   10.3
2000......      |      100.0       2.4      8.9    35.3     33.5     13.8      4.2         1.8      11.7   11.4       1.2    1.1        .3     .3      10.7   10.4
2001......      |      100.0       3.1     12.6    37.6     28.6     13.1      3.7         1.3      10.8   10.4       1.1    1.0        .3     .3      10.7   10.4
2002......      |      100.0       3.0     10.7    35.1     31.4     13.5      4.6         1.7      11.5   10.6       1.2    1.1        .4     .3      11.0   10.6
2003......      |      100.0       2.7     12.2    36.6     29.3     12.9      4.4         1.8      11.2   10.7       1.2    1.1        .4     .3      10.8   10.6
2004......      |      100.0       2.1     10.0    34.9     31.4     13.8      5.8         2.0      11.5   10.5       1.2    1.1        .3     .2      10.9   10.6

2000: Q4...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.      11.7   11.4       1.2    1.1        .3     .3      10.7   10.4

2001: Q1...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       2.8    2.8        .3     .3        .0     .1      11.0   10.5
      Q2...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       5.6    5.4        .6     .5        .1     .1      11.0   10.5
      Q3...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       8.2    7.9        .9     .8        .2     .2      11.2   10.6
      Q4...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.      10.8   10.4       1.1    1.0        .3     .3      10.7   10.4

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
      Q4...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.      11.5   10.6       1.2    1.1        .4     .3      11.0   10.6

2003: 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      11.0   10.6
      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    8.5        .9     .8        .2     .2      11.0   10.7
      Q4...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.      11.2   10.7       1.2    1.1        .4     .3      10.8   10.6

2004: Q1...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       2.9    2.7        .3     .3        .1     .1      11.0   10.7
      Q2...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       6.1    5.5        .6     .5        .1     .1      10.7   10.4
      Q3...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       8.9    8.0        .9     .8        .2     .2      11.0   10.7
      Q4...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.      11.5   10.5       1.2    1.1        .3     .2      10.9   10.6

2005: Q1...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       3.0    2.9        .3     .3        .0     .0      10.9   10.5
      Q2...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       5.9    5.6        .6     .6        .1     .1      11.1   10.7
      Q3...     |       n.a.      n.a.     n.a.    n.a.     n.a.     n.a.     n.a.        n.a.       9.0    8.3        .9     .8        .1     .1      11.0   10.7
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   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 secondary
capital (items that are available at the end of the period specified) are measured as a percentage of total assets. Data are cumulative through the end of the
quarter indicated.
   n.a. Not available.

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