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FDIC Banking Review

Table 11 - Financial Ratios for Community Banks by Type of County, Rural Great Plains, 1999-2003
Statistics 2003 2002 2001 2000 1999
Growing - Pretax ROA 1.46 1.57 1.43 1.61 1.60
Declining - Pretax ROA 1.46 1.45 1.41 1.56 1.51
Acc. Declining - Pretax ROA 1.39 1.41 1.42 1.58 1.51
Growing - Net Interest Margin 4.04 4.23 4.19 4.36 4.26
Declining - Net Interest Margin 4.20 4.27 4.17 4.32 4.23
Acc. Declining - Net Interest Margin 4.15 4.27 4.15 4.32 4.22
Growing - Loans-to-Assets Ratio 58.94 60.23 59.93 60.80 59.21
Declining - Loans-to-Assets Ratio 57.30 58.65 57.99 58.14 56.27
Acc. Declining - Loans-to-Assets Ratio 59.75 59.79 58.31 57.64 55.36
Growing - Total Past Due Loan Ratio 2.63 2.76 2.80 2.54 2.41
Declining - Total Past Due Loan Ratio 2.63 2.99 2.79 2.42 2.45
Acc. Declining - Total Past Due Loan Ratio 2.43 3.02 3.13 2.68 2.83
Growing - Net Charged-off Loans 0.29 0.32 0.63 0.36 0.30
Declining - Net Charged-off Loans 0.38 0.38 0.32 0.25 0.29
Acc. Declining - Net Charged-off Loans 0.26 0.34 0.34 0.25 0.32
Growing - Equity Capital 10.51 10.74 10.51 10.32 9.54
Declining - Equity Capital 11.30 11.57 11.36 11.23 10.72
Acc. Declining - Equity Capital 11.37 11.54 11.21 11.17 10.66
Growing - Ag Loans/Total Loans 30.41 30.88 30.54 29.62 30.58
Declining - Ag Loans/Total Loans 48.04 48.08 48.29 49.14 49.95
Acc. Declining - Ag Loans/Total Loans 48.43 50.31 51.42 50.85 50.79
Growing - Ag Inst./Total Inst. 66.54 65.84 64.58 65.20 66.67
Declining - Ag Inst./Total Inst. 86.48 86.81 87.72 89.21 90.78
Acc. Declining - Ag Inst./Total Inst. 88.70 90.06 91.62 91.37 91.04
Note: Only banks and thrifts with less than $250 million in assets in the Great Plains are used.
Source: Bank and Thrift Call Reports.



Last Updated 02/11/2005 Questions, Suggestions & Requests