B.8. Average Loan-Deposit Ratios at Agricultural Banks in Selected Federal Reserve Districts _____________________________________________________________________________________________________________________________________________________________________________________________ Total Kansas San (entire U.S.) Cleveland Atlanta Chicago St. Louis Minneapolis City Dallas Francisco ________________________________________________________________________________________________________________________________________________________________________________ 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 _____________________________________________________________________________________________________________________________________________________________________________________________ 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 2004...... | 2,470 .78 39 .81 75 .77 611 .78 278 .73 457 .82 726 .79 235 .64 36 .91 14.50 2005...... | 2,429 .79 40 .81 78 .76 612 .81 271 .77 437 .84 722 .80 228 .62 30 .92 14.27 2006...... | 2,366 .81 48 .85 72 .77 603 .82 254 .78 425 .84 702 .80 220 .65 33 .98 14.04 2007...... | 2,312 .81 45 .85 74 .78 582 .83 255 .80 414 .84 683 .81 225 .66 26 1.05 14.05 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 Q2... | 2,528 .78 43 .80 77 .76 623 .78 287 .75 468 .84 730 .78 245 .65 43 .86 14.63 Q3... | 2,510 .79 42 .83 79 .78 618 .79 291 .76 462 .86 724 .80 237 .67 42 .86 14.76 Q4... | 2,470 .78 39 .81 75 .77 611 .78 278 .73 457 .82 726 .79 235 .64 36 .91 14.50 2005: Q1... | 2,457 .78 42 .80 79 .76 603 .79 269 .73 451 .83 728 .78 239 .62 33 .97 14.18 Q2... | 2,466 .80 42 .82 78 .80 606 .81 281 .78 446 .87 724 .80 244 .65 32 .97 14.48 Q3... | 2,450 .81 42 .83 82 .79 610 .82 284 .79 443 .88 711 .81 235 .67 32 .96 14.53 Q4... | 2,429 .79 40 .81 78 .76 612 .81 271 .77 437 .84 722 .80 228 .62 30 .92 14.27 2006: Q1... | 2,412 .79 43 .84 80 .76 606 .82 268 .75 437 .86 716 .79 222 .61 28 .97 14.08 Q2... | 2,409 .82 42 .87 77 .79 608 .84 269 .79 429 .89 716 .81 226 .64 32 1.03 14.28 Q3... | 2,383 .83 43 .86 80 .78 604 .85 268 .80 423 .89 701 .82 226 .69 30 1.02 14.32 Q4... | 2,366 .81 48 .85 72 .77 603 .82 254 .78 425 .84 702 .80 220 .65 33 .98 14.04 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 Q4... | 2,312 .81 45 .85 74 .78 582 .83 255 .80 414 .84 683 .81 225 .66 26 1.05 14.05 2008: Q1... | 2,311 .81 46 .83 81 .81 576 .81 256 .77 412 .85 675 .80 230 .64 27 1.11 13.76 Q2... | 2,312 .83 47 .85 87 .82 569 .83 261 .81 412 .89 669 .82 225 .67 33 1.15 14.05 Q3... | 2,288 .84 44 .86 85 .84 575 .84 261 .85 406 .90 662 .82 212 .69 34 1.13 14.19 _____________________________________________________________________________________________________________________________________________________________________________________________ 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