*Release Date: December 31, 2004*

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```
B.7. Selected Measures of Financial Performance of Agricultural and Other Small Banks
Percent
```

| Period | All banks | Distribution of net income as ashare of average equity atagricultural banks | Average rateof returnon equity | Rateof returnto assets | Net charge-offsas shareof total loans | Averagecapital ratio |
|--------|-----------|-----------------------------------------------------------------------------|--------------------------------|------------------------|---------------------------------------|----------------------|
||
| 100.0  | 2.0       | 5.3                                                                         | 25.3                           | 41.1                   | 19.6                                  | 5.1                  | 1.6 | 12.5 | 11.3 | 1.2 | 1.0 | .4 | .7 | 10.4 | 9.5 |
| 100.0  | 1.6       | 5.9                                                                         | 27.8                           | 40.4                   | 18.4                                  | 4.6                  | 1.3 | 12.3 | 12.3 | 1.2 | 1.1 | .2 | .4 | 10.8 | 9.9 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
|   |
| n.a.   | n.a.      | n.a.                                                                        | n.a.                           | n.a.                   | n.a.                                  | n.a.                 | n.a. | 11.8 | 11.9 | 1.2 | 1.1 | .3 | .3 | 10.5 | 10.3 |
| n.a.   | n.a.      | n.a.                                                                        | n.a.                           | n.a.                   | n.a.                                  | n.a.                 | n.a. | 3.2 | 3.1 | .3 | .3 | .0 | .1 | 10.5 | 10.2 |
| n.a.   | n.a.      | n.a.                                                                        | n.a.                           | n.a.                   | n.a.                                  | n.a.                 | n.a. | 6.5 | 6.1 | .6 | .6 | .1 | .1 | 10.6 | 10.3 |
| n.a.   | n.a.      | n.a.                                                                        | n.a.                           | n.a.                   | n.a.                                  | n.a.                 | n.a. | 9.3 | 8.9 | .9 | .9 | .1 | .2 | 10.7 | 10.4 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
```
   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. Quarterly data are
cumulative through the end of the quarter indicated.
   n.a. Not available.
```

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