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Bank Operating Statistics.: documentation

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Bank Operating Statistics           (ARCHIVED 9/97) Stock #94014
Economic Research Service, United States Department of Agriculture
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Note:  Data distributed with this product may include both published and
unpublished statistics in the public domain.  Distribution in this form
does not imply U.S. Department of Agriculture approval of a particular
data series or statistic, nor does the Department attest to their
accuracy.  Moreover, the Economic Research Service makes no warranty
that data supplied in this form are either accurate transcriptions from
source materials or appropriate for a particular user purpose.

For comments or further information contact:
                        Milkove, Daniel--DMILKOVE@econ.ag.gov             

Or contact the ERS Information Center at:    Phone: 202-694-5050
                                             e-mail:service@econ.ag.gov/ 

The ERS Information Center is the principal point of contact to respond to
customer questions regarding ERS products and services. The ERS Information
Center operates Monday through Friday from 8 a.m. to 5 p.m., except Federal
holidays. Staff answering the phones are trained to provide quality customer
service. 

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The data contained on this disk consists of the tables found in the ERS
"Agricultural and Nonagricultural Bank Operating Statistics, 1980-91
Statistical Bulletin" (SB-883, May 1994).  

The data on this disk are contained in LOTUS 1-2-3 (.WK3) files and are
named *.WK3, where * is the filename shown below:

File         
Name      Description
--------  ---------------------------------------------
               General Characteristics
TABLE1    Number of banks distributed by asset size
TABLE2    Ratio of agricultural loans to total loans
TABLE3    Sum of agricultural loans outstanding by bank classification
TABLE4    Commercial bank failures and failure rates
TABLE5    Number of weak banks
TABLE6    The change in number and asset value of agricultural banks
          between 1980 and 1991
TABLE7    The change in number and asset value of nonagricultural banks
          between 1980 and 1991
TABLE8    Ratio definitions
               Profitability Characteristics
TABLE9    Rate of return on assets
TABLE10   Net income to total operating income
TABLE11   Net interest margin
TABLE12   Net noninterest margin
TABLE13   Net chargeoffs to total loans
               Liquidity Characteristics
TABLE14   Total loans to total deposits
TABLE15   Demand deposits to total liabilities
TABLE16   Total securities to total assets
               Efficiency Characteristics
TABLE17   Noninterest expense to total assets
TABLE18   Dollars of assets per employee

TABLE19   Interest expense to total interest-bearing liabilities
TABLE20   Total operating income to total interest expense
               Solvency Characteristics
TABLE21   Total assets to equity capital
TABLE22   Total capital to total assets
TABLE23   Nonperforming loans to total loans
TABLE24   Nonperforming loans to equity capital
               Profitability Measure
APPTBL1   Rate of return on equity
               Liquidity Measures
APPTBL2   Total deposits to total liabilities
APPTBL3   Total interest income to total operating income
APPTBL4   Total loans to total assets
APPTBL5   Municipal securities to total securities
APPTBL6   Short-term assets to total assets
APPTBL7   Large negotiable certificates of deposit to total deposits
APPTBL8   Short-term securities to total liabilities
               Efficiency Measures
APPTBL9   Interest income to total assets
APPTBL10  Noninterest income to total assets
APPTBL11  Interest income to interest earning assets
APPTBL12  Total expense to total assets
APPTBL13  Interest expense to total expense
APPTBL14  Interest expense to total assets
APPTBL15  Total income to total assets
APPTBL16  Average deposit interest rate
APPTBL17  Demand deposits to total deposits
APPTBL18  Deposit interest expense to total interest expense
APPTBL19  Noninterest expense to total expense
APPTBL20  Fixed occupancy expense to total expense
APPTBL21  Employee salary and benefit expense to total expense
APPTBL22  Salary per employee
APPTBL23  Interest-earning assets to total assets
               Solvency Measures
APPTBL24  Provisions for loan losses to total loans
APPTBL25  Provisions for loan losses to total assets
APPTBL26  Provisions for loan losses to total income
APPTBL27  Net loan loss provisions to total operating expense
APPTBL28  Equity capital to total assets
APPTBL29  Equity capital to total capital
               Summation Tables
APPTBL30  Sum of assets by bank classification
APPTBL31  Sum of deposits by bank classification
APPTBL32  Sum of loans outstanding by bank classification
APPTBL33  Sum of net income by bank classification
APPTBL34  Sum of total capital by bank classification
               State Level Data
APPTBL35  Return on assets for all banks, by State
APPTBL36  Return on assets for agricultural banks, by State
APPTBL37  Return on assets for nonagricultural banks, by State
APPTBL38  Return on equity for all banks, by State
APPTBL39  Return on equity for agricultural banks, by State
APPTBL40  Return on equity for nonagricultural banks, by State
APPTBL41  A comparison of weighted average loan-to-deposit and
          loan-to-asset ratios


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