FRB: E.15 Release--B.7. Financial Performance of Agricultural and Other Small Banks--Dec. 31, 2002

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

Period	All banks	Distribution of net income as a share of average equity at agricultural banks							Average rate of return on equity		Rate of return to assets		Net charge-offs as share of total loans		Average capital ratio
Period	All banks	Negative income	0-4 percent	5-9 percent	10-14 percent	15-19 percent	20-24 percent	25 percent and over	Agricultural banks	Other small banks	Agricultural banks	Other small banks	Agricultural banks	Other small banks	Agricultural banks	Other small banks
1990	100.0	4.9	7.5	33.4	37.6	12.9	2.6	1.1	10.8	8.5	1.0	.7	.4	.7	9.9	9.0
1991	100.0	4.3	7.6	32.2	39.2	13.3	2.5	.9	10.9	8.8	1.0	.7	.4	.8	10.1	9.2
1992	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
1993	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
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

1997: Q4	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	11.4	12.3	1.2	1.2	.2	.3	11.0	10.5
1998: Q1	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	3.0	3.3	.3	.3	.0	.1	11.2	10.5
Q2	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	6.1	6.4	.6	.6	.1	.1	11.2	10.7
Q3	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	8.9	9.1	1.0	.9	.1	.2	11.4	10.8
Q4	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	11.3	11.7	1.2	1.2	.2	.3	10.9	10.5
1999: Q1	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	2.9	3.0	.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.	6.0	6.1	.6	.6	.1	.1	10.8	10.4
Q3	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	9.1	8.9	.9	.9	.2	.2	10.8	10.4
Q4	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
2000: Q1	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
Q2	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
Q3	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
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

   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.