fedgazette

Facts about the survey and respondents

Ninth District Banking Poll

Published July 1, 1996  |  July 1996 issue

In May, the Minneapolis Fed surveyed 774 Ninth District banks with assets less than $150 million and which are not part of a banking organization with assets in excess of $150 million; 400 banks or 52 percent responded.

To improve our ability to analyze the survey results, the responses are coupled with the banking data in the Bank Directory as well as selected demographic data.

Respondents' Banking Characteristics

Number of Respondents
400
Average Size in Assets (in thousands)
$41,980
Average Size in Loans (in thousands)
$24,868
Tier 1 Capital Ratio
10.4%

Performance Ratios

Return on Average Assets
1.2%
Return on Equity
12.1%
Net Interest Margin
5.0%
Loan-to-Deposit Ratio
67.0%
Noncurrent to Total Loans
1.1%

Loan Categories as a Percent of Total Loans

Commercial & Industrial 
18.5%
Agricultural
27.3%
Real Estate
39.5%
Individual
13.2%
Other
1.6%

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