B.8. Average Loan-Deposit Ratios at Agricultural Banks in Selected Federal Reserve Districts
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                       Total                                                                                                      Kansas                                San
                   (entire U.S.)       Cleveland          Atlanta           Chicago          St. Louis        Minneapolis          City              Dallas           Francisco
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                                                                                                                                                                                     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
_____________________________________________________________________________________________________________________________________________________________________________________________

1993......     |    3,707      .58       66      .65      126      .62      909      .60      429      .59      669      .62    1,062      .57      375       .44       58      .73     17.16
1994......     |    3,530      .63       56      .71      124      .64      857      .64      398      .63      656      .67    1,012      .62      360       .48       52      .78     17.10
1995......     |    3,352      .64       53      .72      118      .66      816      .65      375      .65      619      .68      959      .63      344       .49       53      .74     16.83
1996......     |    3,239      .66       49      .77      113      .68      795      .68      363      .66      609      .70      928      .64      313       .49       52      .73     16.45
1997......     |    3,101      .69       45      .75      113      .70      759      .72      346      .70      574      .72      890      .68      312       .52       49      .66     16.44
1998......     |    2,968      .68       40      .76       99      .71      733      .71      321      .69      558      .71      868      .68      289       .53       48      .66     16.34
1999......     |    2,866      .72       41      .85       93      .74      715      .75      300      .72      538      .74      838      .71      277       .56       48      .72     15.67
2000......     |    2,767      .75       39      .86       92      .77      693      .78      293      .75      519      .76      796      .76      269       .62       50      .74     15.08
2001......     |    2,683      .74       40      .79       83      .75      675      .75      283      .73      497      .76      776      .76      267       .61       45      .75     14.88
2002......     |    2,591      .76       43      .80       84      .77      646      .76      281      .75      489      .78      746      .79      249       .61       41      .76     14.83
2003......     |    2,549      .75       38      .76       76      .75      640      .75      286      .73      478      .77      736      .76      241       .61       42      .81     14.59

1997: Q3...    |    3,161      .70       51      .80      128      .74      771      .73      355      .72      583      .75      898      .69      308       .54       49      .67     16.70
      Q4...    |    3,101      .69       45      .75      113      .70      759      .72      346      .70      574      .72      890      .68      312       .52       49      .66     16.44
                                                                                                                                                                                             
1998: Q1...    |    3,058      .69       45      .76      109      .71      740      .72      328      .69      570      .73      886      .68      314       .51       50      .66     16.32
      Q2...    |    3,065      .72       46      .77      110      .74      737      .75      341      .73      570      .77      889      .71      306       .54       49      .71     16.81
      Q3...    |    3,036      .72       46      .79      109      .75      733      .75      341      .73      569      .77      880      .72      294       .55       49      .70     16.78
      Q4...    |    2,968      .68       40      .76       99      .71      733      .71      321      .69      558      .71      868      .68      289       .53       48      .66     16.34
                                                                                                                                                                                             
1999: Q1...    |    2,957      .69       42      .79      100      .72      720      .72      317      .69      550      .72      868      .68      297       .53       48      .69     16.04
      Q2...    |    2,872      .72       41      .85       93      .74      716      .75      302      .72      539      .74      838      .71      279       .57       48      .72     16.26
      Q3...    |    2,918      .74       44      .84      106      .75      716      .77      319      .74      547      .77      846      .72      275       .57       51      .74     16.23
      Q4...    |    2,866      .72       41      .85       93      .74      715      .75      300      .72      538      .74      838      .71      277       .56       48      .72     15.67
                                                                                                                                                                                             
2000: Q1...    |    2,842      .73       41      .86       97      .75      705      .76      288      .71      536      .76      831      .72      278       .57       50      .74     15.28
      Q2...    |    2,834      .76       43      .89       96      .78      707      .79      306      .76      529      .80      814      .76      268       .61       54      .78     15.49
      Q3...    |    2,790      .77       42      .88       93      .80      698      .80      306      .77      523      .79      796      .76      261       .61       54      .76     15.36
      Q4...    |    2,767      .75       39      .86       92      .77      693      .78      293      .75      519      .76      796      .76      269       .62       50      .74     15.08
                                                                                                                                                                                             
2001: Q1...    |    2,755      .75       40      .84       95      .75      696      .78      282      .73      514      .76      798      .76      266       .61       46      .76     14.95
      Q2...    |    2,736      .77       41      .84       95      .76      682      .78      291      .76      508      .80      791      .77      265       .62       44      .80     15.21
      Q3...    |    2,725      .77       43      .82      100      .77      683      .78      296      .76      506      .80      778      .77      256       .63       45      .79     15.10
      Q4...    |    2,683      .74       40      .79       83      .75      675      .75      283      .73      497      .76      776      .76      267       .61       45      .75     14.88
                                                                                                                                                                                             
2002: Q1...    |    2,653      .74       40      .79       84      .74      664      .76      273      .72      498      .77      770      .76      264       .60       43      .75     14.75
      Q2...    |    2,637      .77       40      .79       89      .77      654      .77      284      .75      494      .81      762      .78      254       .62       45      .77     15.07
      Q3...    |    2,625      .77       37      .79       89      .78      657      .78      289      .77      497      .82      753      .79      248       .64       44      .77     15.13
      Q4...    |    2,591      .76       43      .80       84      .77      646      .76      281      .75      489      .78      746      .79      249       .61       41      .76     14.83
                                                                                                                                                                                             
2003: Q1...    |    2,578      .75       39      .80       80      .75      646      .75      271      .72      490      .77      750      .78      249       .60       41      .78     14.60
      Q2...    |    2,595      .76       40      .80       88      .77      640      .76      281      .75      490      .81      742      .77      257       .62       43      .78     14.88
      Q3...    |    2,579      .76       44      .79       87      .79      644      .77      287      .75      485      .81      735      .78      240       .63       43      .76     14.90
      Q4...    |    2,549      .75       38      .76       76      .75      640      .75      286      .73      478      .77      736      .76      241       .61       42      .81     14.59
                                                                                                                                                                                             
2004: Q1...    |    2,512      .75       42      .77       76      .75      626      .76      267      .71      469      .80      732      .76      246       .60       43      .82     14.30
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   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.

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