Facts about the survey and respondents
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%
|
