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Kenneth A. Spearman, Board Chairman and Chief Executive Officer Dallas Tonsager, Board Member Jeffery S. Hall, Board Member
MINUTES OF THE REGULAR MEETING OF THE
FARM CREDIT ADMINISTRATION BOARD June 9, 2016
These minutes reflect the business transacted at the June 9, 2016, Regular Meeting of the Farm Credit Administration Board (FCA Board) pursuant to the Government in the Sunshine Act (Act), 5 U.S.C. § 552b, and the regulations of the Farm Credit Administration (FCA) adopted thereunder.
The FCA Board meeting was held at the FCA office in McLean, Virginia, beginning at 9:00 a.m. and concluding at 10:51 a.m. Members of the Board present were:
Kenneth A. Spearman, Board Chairman and Chief Executive Officer Dallas Tonsager, Member
Jeffery S. Hall, Member
The above named constitute the full Board.
Others present included Charles Rawls, General Counsel; Dale Aultman, Secretary to the Board; staff of the FCA and Farm Credit System Insurance Corporation (FCSIC); and four members of the general public. (A list of staff attendees is attached as Exhibit A.)
The Secretary read a statement that announced the meeting would be conducted according to the requirements of the Government in the Sunshine Act.
The Board Chairman reviewed the published Agenda. (A copy of the Public Announcement publishing the Agenda for the meeting is attached as Exhibit B.)
Mr. Tonsager moved to adopt the Agenda as published.
Mr. Hall seconded the motion.
1
There being no further discussion, Board Chairman Spearman called the question. The Secretary polled the Board Members and the motion carried unanimously. Mr. Hall noted that the Agenda did include portions of the meeting that should be closed to the public as permitted by the Government in the Sunshine Act and therefore moved that the meeting be closed at that point. Mr. Tonsager seconded the motion. There being no further discussion, Board Chairman Spearman called the question. The Secretary polled the Board Members and the motion carried unanimously.
OPEN SESSION
Approval of Minutes
Minutes for May 12, 2016 (BM-9-JUN-16-01)
Mr. Tonsager moved to approve the minutes for the May 12, 2016, FCA Regular Board Meeting. Mr. Hall seconded the motion. There being no further discussion, Board Chairman Spearman called the question. The Secretary polled the Board Members and the motion carried unanimously. (BM-9-JUN-16-01) (A copy of the official “Board Action Item” is attached as Exhibit C.)
REPORTS
Annual Report on the Farm Credit System’s Young, Beginning, and Small Farmer Mission Performance: 2015 Results
Sal Iannetta, Steve Koenig, and Jessica Potter of the Office of Regulatory Policy presented the Annual Report on the Farm Credit System’s Young, Beginning, and Small Farmer Mission Performance: 2015 Results. Board Chairman Spearman asked if there were any questions or further discussion from the Board. There were no further questions or discussion. (A copy of the PowerPoint presentation is attached as Exhibit D.)
2
Quarterly Report on
Economic Conditions and FCS Conditions Steve Gabriel of the Office of Regulatory Policy and Hal Johnson of the Office of Examination presented the Quarterly Report on Economic Conditions and FCS Conditions. Board Chairman Spearman asked if there were any questions or further discussion from the Board. There were no further questions or discussion. (A copy of the PowerPoint presentation is attached as Exhibit E.)
Semi-Annual Report on Office of Examination Operations
Hal Johnson of the Office of Examination presented the Semi-Annual Report on Office of Examination Operations. Board Chairman Spearman asked if there were any questions or further discussion from the Board. There were no further questions or discussion. (A copy of the PowerPoint presentation is attached as Exhibit F.)
CLOSED SESSION The Board Chairman noted that this was a Closed Session and ensured that members of the public and nonessential FCA and FCSIC staff were not in the room so the Board could meet with Office of Examination staff in Closed Session. Board Chairman Spearman convened the closed session of the meeting at 10:23 a.m. and instructed the Secretary to activate the electronic recording device so that the proceedings of the Closed Session were properly recorded as required by the Government in the Sunshine Act. The Board Chairman then instructed the General Counsel to furnish the Secretary with a certification, pursuant to 5 U.S.C. § 552b(f), that the portions of the meeting held in closed session may be properly closed to the public. (A copy of the Certification is attached hereto as Exhibit G.) Members of the Board present were: Kenneth A. Spearman, Board Chairman and Chief Executive Officer Dallas Tonsager, Member Jeffery S. Hall, Member The above named constitute the full Board.
3
Others present included Dale Aultman, Secretary to the Board; and Charles Rawls, General Counsel. (A list of staff attendees is attached as Exhibit A).
Office of Examination Quarterly Report Robert Coleman and Roger Paulsen of the Office of Examination presented the update on OE Supervisory and Oversight Activities. Board Chairman Spearman asked if there were any questions or further discussion from the Board. There were no further questions or discussion.
ADJOURNMENT There being no further business to come before the Board, Board Chairman Spearman indicated he would entertain a motion to adjourn the meeting. Mr. Hall moved that the meeting be adjourned. Mr. Tonsager seconded the motion. Board Chairman Spearman called the question. The Secretary polled the Board Members and the motion carried unanimously. The meeting adjourned at 10:51 a.m.
NOTATIONAL VOTE ACTIONS There was one notational vote action approved by the FCA Board from May 13, 2016, through June 8, 2016 as follows: Item Number Action Date Voting Results Subject
NV 16-10 5/26/2016 Approved Review of Significant Regulatory Actions Pursuant to Executive Order 12866
The undersigned hereby certify that the foregoing minutes are the official minutes of the Regular Meeting of the Farm Credit Administration Board held on June 9, 2016. _________/s/________________ _________/s/________________ Kenneth A. Spearman Dale L. Aultman Board Chairman and Chief Executive Officer Secretary to the Board Approved: __July 14, 2016____
4
Exhibit A Page 1 of 2
STAFF PRESENT AT THE FCA REGULAR BOARD MEETING
June 9, 2016 Kenneth A. Spearman, Board Chairman and Chief Executive Officer Dallas Tonsager, Board Member Jeffery S. Hall, Board Member
OFFICE
OPEN SESSION
CLOSED SESSION
Office of the Board Aultman, Dale X X Middleton, Russell X X Laguarda, Wendy X X Buccolo, Deb X Corey, Kathryn X Kramp, Kevin X X Calhoun, Gaye X Donerson, Alexandra (Summer Intern) X
EEOI Burlew, Thais X
COO Hoffman, William X X
OIT
Golley, Jerald X X
OCPA Stokke, Mike X X Meaux, Willy X X
OSMO Rea, Laurie X X
OGC Rawls, Charles X X Donner, Mary Alice X X
5
Exhibit A Page 2 of 2
OFFICE OPEN SESSION CLOSED SESSION
OE Coleman, Robert X X Paulsen, Roger X X Johnson, Hal X X
OIG Dean, Elizabeth X X Kaufman, Tori X
ORP Van Meter, Gary X X Mardock, Barry X X Gabriel, Steve X X Koenig, Steve X Iannetta, Sal X Johansen, Mark X X Potter, Jessica X X
OCFO Smith, Stephen X X
OAS
Connelly, Pat X X
FCSIC Pfitzinger, Rick X X
GENERAL PUBLIC 4
6
Exhibit B Farm Credit Administration Farm Credit Administration
1501 Farm Credit Drive McLean, Virginia 22102-5090
PUBLIC ANNOUNCEMENT OF
MEETING SUBJECT TO THE GOVERNMENT IN THE SUNSHINE ACT Farm Credit Administration Board
Regular Meeting June 9, 2016
Summary: Notice is hereby given, pursuant to the Government in the Sunshine Act (5 U.S.C. Sec. 552b(e) (1)), of the forthcoming regular meeting of the Farm Credit Administration Board. Date and Time: The regular meeting of the Board will be held June 9, 2016. The meeting is scheduled to be held at the office of the Farm Credit Administration in McLean, Virginia, from 9:00 a.m. until such time as the Board may conclude its business. Address: Farm Credit Administration, 1501 Farm Credit Drive, McLean, Virginia 22102-5090. Submit attendance requests via e-mail to [email protected]. See SUPPLEMENTARY INFORMATION for further information about attendance requests. For Further Information Contact: Dale L. Aultman, Secretary to the Farm Credit Administration Board (703) 883-4009. TTY is (703) 883-4056. Supplementary Information: Parts of this meeting of the Board will be open to the public (limited space available), and parts will be closed to the public. Please send an e-mail to [email protected] at least 24 hours before the meeting. In your e-mail include: name, postal address, entity you are representing (if applicable), and telephone number. You will receive an e-mail confirmation from us. Please be prepared to show a photo identification when you arrive. If you need assistance for accessibility reasons, or if you have any questions, contact Dale L. Aultman, Secretary to the Farm Credit Administration Board, at (703) 883-4009. The matters to be considered at the meeting are:
OPEN SESSION Approval of Minutes
1 May 12, 2016 Reports
2 Annual Report on the Farm Credit System’s Young, Beginning, and Small Farmer Mission Performance: 2015 Results
3 Quarterly Report on Economic Conditions and FCS Conditions 4 Semi-Annual Report on Office of Examination Operations
CLOSED SESSION 5 Office of Examination Quarterly Report1
_ _May 31, 2016_______ _________/s/________________
Date Dale L. Aultman Secretary to the Board
_________________________ 1Session Closed-Exempt pursuant to 5 U.S.C. Section 552b(c)(8) and (9).
7
Exhibit C Farm Credit Administration 1501 Farm Credit Drive McLean, Virginia 22102-5090 (703) 883-4000 BOARD ACTION ITEM
FCA BOARD ACTION ON
Minutes for May 12, 2016, Regular Board Meeting
BM-9-JUN-16-01
Effective Date: June 9, 2016 Effect on Previous Action: None THE FCA BOARD HEREBY: Approves the minutes for May 12, 2016, Regular Board Meeting as submitted. DATED THIS 9th DAY OF JUNE 2016 BY ORDER OF THE BOARD ____________/s/____________________ Dale L. Aultman Secretary to the Board
8
FCA’s Annual Report on the Farm Credit System’s Young, Beginning, and Small Farmer Mission Performance:
2015 Results
Office of Regulatory PolicyFCA Board MeetingJune 9, 2016
Steven Koenig, Senior EconomistSalvatore Iannetta, Policy AnalystJessica Potter, Policy Analyst Exhibit D
9
Outline• Review the System’s YBS Mission • YBS Numbers and Trends• District and Association Activity• Overview of YBS Programs
210
YBS Mission
3
• Farm Credit Act - 1980 Amendments– FCS institutions must have programs to serve YBS Customers.– Requires the reporting of YBS activities.
• Regulation – 614.4165 (2004)– Sets minimum YBS program components, reporting and disclosure
requirements for associations.• Bookletters
– 040 (2007) Provides flexibility on lending opportunities for YBS farmers and ranchers.
– 066 (2012) Provides guidance for serving farmers who market their agricultural products through local or regional food systems.
• Informational Memo - (2014) – Provides information on opportunities to coordinate lending, training,
and outreach with the Farm Service Agency.11
YBS Definitions
4
Definitions for FCA Reporting:• Young Farmer: age 35 or younger.• Beginning Farmer: 10 years or less farming experience.• Small Farmer: gross annual farm sales of $250,000 or less.
Important Data Clarifications:• Data are reported separately for each category.• Borrowers may qualify under more than one category; one
should not add Y, B, and S data together.• Dollar volumes include advances and commitments.• Counts are for loans, not for borrowers.
12
YBS Results
5
YBS Loans Outstanding Number Percentage Dollar volume PercentageAs of December 31, 2015 of of total of loans of total
loans number in millions* volumeYoung farmers/ranchers 188,696 18.1 $27,070 11.0Beginning farmers/ranchers 274,942 26.4 $41,473 16.9Small farmers/ranchers 502,398 48.2 $46,729 19.0
YBS Loans Made During 2015 Number Percentage Dollar volume PercentageAs of December 31, 2015 of of total of loans of total
loans number in millions* volumeYoung farmers/ranchers 62,143 17.2 $9,430 11.3Beginning farmers/ranchers 79,642 22.0 $12,741 15.2Small farmers/ranchers 150,022 41.4 $11,815 14.1
Sources: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
Green numbers indicate measures that declined in 2015 relative to those in 2014.* Totals include loans, advancements, and commitments made to farmers, ranchers, and aquatic producers by the associations, and excludes rural home and Title III loans, and the Leasing Corporation activity.Note: Because the three (young, beginning, and small) categories are not mutually exclusive, one should not add across the categories to count total YBS lending activity.
13
Loan Volumes on New YBS Loans
6Sources: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
14
YBS Share of Total New Loan Volume
7Sources: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
15
New YBS Loan Counts
8Sources: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
16
YBS Share of Total New Loan Counts
9Sources: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
17
District Lending to YBS Borrowers
10Source: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
18
District Lending to YBS Borrowers
11Source: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks.
19
Association YBS Lending Growth
12Source: Annual Young, Beginning, and Small Farmer Reports submitted by each System lender through the District Banks. Excludes merged institutions.
20
Conclusions – The Numbers• Most Systemwide and district level YBS
performance measures increase.• Small farmer performance measures generally
increase.• The majority of associations reported growth in
their YBS lending.
1321
2015 YBS Questionnaire Results
22
Program Component: Delivery of Credit
15Source: YBS Questionnaire.
7768
60
39 39
8
59
6960
39 39
8
53
67
53
3733
7
0
10
20
30
40
50
60
70
80
90
CustomizedUnderwriting
Standards
Federal /StateGuarantees
ConcessionaryInterest Rates
Government LoanParticipations
Concessionary LoanFees
Other
Perc
ent o
f all
asso
ciat
ions
Customized Standards, Guarantees and Reduced Fees Most Used Tools to Make YBS Loans in 2015
Young Beginning Small
23
Program Component: Outreach
16Source: YBS Questionnaire.24
YBS Program Management• YBS programs continue to serve the needs of YBS.
• Mission statements continue to incorporate the marketing plan regulation.
• Advisory committees continue to provide valuable input to the Board and management.
• Staff training and performance standards for management and staff increased.
17Source: YBS Questionnaire.25
Training, Outreach, and Education– Training continues to be customized to address the needs of
YBS farmers, including new entrants to agriculture. – Outreach and training efforts include YBS farmers involved in
local and regional food systems, as well as veterans and members of minority groups.
– Associations also coordinate with other FCS institutions to train and educate YBS borrowers.
– Associations use both their internal experts and hire outside professionals to develop and present educational opportunities.
18Source: YBS Questionnaire.26
Conclusions – The Questionnaire• YBS programs contributed to the overall increased performance in 2015.
• Federal loan guarantees and customized underwriting standards were the most commonly used tools to serve the YBS market.
• Input from YBS Advisory Committees continues to improve YBS programs.
• The System continues to emphasize YBS through staff training and performance standards.
• YBS Training, Outreach and Education addresses the needs of current and potential YBS borrowers.
19Source: YBS Questionnaire.27
FCA Board Meeting June 2016
Quarterly Report on FCS Condition
June 9, 2016
Stephen GabrielHal Johnson
Exhibit E
28
Topics for Open Session
2
Economic Conditions Affecting the FCS
FCS Condition and Performance
29
Economic Conditions Affecting the Farm Credit System
Stephen GabrielChief Economist
Office of Regulatory Policy30
Economic growth continues to underwhelm
4
Consensus Forecasts (percent)Red indicates forecast
Q1 2015
Q2 2015
Q3 2015
Q4 2015
Q1 2016
Q2 2016
Q3 2016
Q4 2016
Q1 2017
Q2 2017
Q3 2017
Q4 2017
GDP growth* 0.6 3.9 2.0 1.4 0.8 2.2 2.5 2.4 2.3 2.3 2.2 2.2CPI* -2.9 2.4 1.4 0.8 -0.3 1.9 2.2 2.3 2.1 2.4 2.3 2.4Unemployment rate 5.6 5.4 5.2 5.0 4.9 4.9 4.8 4.7 4.7 4.6 4.6 4.510 Yr T-Bond 2.0 2.4 2.0 2.2 1.8 1.9 2.1 2.3 2.5 2.6 2.7 2.9Source: Consensus Economics, Inc.Survey date - May 9, 2016* % change from prior quarter, seasonally adjusted annual rate
31
Farm sector developments and concerns
Planting progress is generally good South American weather boosts soybean/corn
futures USDA projects a record corn crop in 2016 Production growth in the protein and dairy sectors
is pressuring prices and margins There are signs of emerging credit problems Continued farmland market weakness 532
USDA projects a record corn crop and greater stocks
6
6.89
4.46
3.70 3.60
3.35
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
0%5%
10%15%20%25%30%35%40%45%50%55%60%65%70%
Ending U.S. Corn Stocks/Use Ratio (left axis)Average Farm Corn Price - dollars/bu (right axis)Source: USDA
33
Reduced soybean plantings; more exports strengthen price prospects
7
14.40
13.00
10.10
8.85
9.10
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
0%
5%
10%
15%
20%
25%
30%
Ending U.S. Soybeans Stocks/Use Ratio (left axis)Average Farm Soybeans Price - dollars/bu (right axis)Source: USDA
34
Large wheat supplies continue to weigh on prices
8
7.77
6.875.99
4.904.10
0.001.002.003.004.005.006.007.008.009.00
10%20%30%40%50%60%70%80%90%
100%
Ending U.S. Wheat Stocks/Use Ratio (left axis)Average Farm Wheat Price - dollars/bu (right axis)Source: USDA
35
Corn profit margins face fourth year in the red
9
0.68
1.63 0.96
(0.10)
1.64 2.23
1.45
(0.18) (0.29) (0.09) (0.34)-1.000.001.002.003.004.005.006.007.008.00
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015F 2016F
Dol
lars
per
Bus
hel
Iowa Season-average Corn Profit Margin EstimatesUsing Iowa State University Cost of Production Estimates
Margin w/ Government Payments Iowa Price Total Cost per BushelSource: FCA-ORP-AEPT using data from USDA and Iowa State University.
As of 5/10/16
36
Current price outlook suggests tight margins for soybean producers
10
0.28
4.20
1.98
0.06
2.85 3.55 2.47 1.20
(0.90) (0.53) (0.75)-2.000.002.004.006.008.00
10.0012.0014.0016.00
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015F 2016F
Dol
lars
per
Bus
hel
Iowa Season-average Soybean Profit Margin EstimatesIowa State University Cost of Production Estimates
Margin w/ Gov. Payments Iowa Price Total Cost per Bushel
As of 5/10/16
Source: FCA-ORP-AEPT using data from USDA and Iowa State University.
37
Large supplies pressure wheat prices and profit margins
11
(1.25)
0.79 0.98 1.53 0.33
(4.03)(2.64) (1.52)
-6.00-4.00-2.000.002.004.006.008.00
10.0012.00
2009 2010 2011 2012 2013 2014 2015F 2016F
Dol
lars
per
Bus
hel
Kansas Season-average Wheat Profit Margin Estimates
Margin w/ Government Payments Kansas Price Total Cost per BushelSource: FCA/ORP/AEPT using data from USDA and Kansas State University.
As of 5/10/16
Kansas State University Cost of Production Estimates
38
Ample production pressures protein and dairy prices and profits
12
-6-4-202468
10
Jan-
04Ju
l-04
Jan-
05Ju
l-05
Jan-
06Ju
l-06
Jan-
07Ju
l-07
Jan-
08Ju
l-08
Jan-
09Ju
l-09
Jan-
10Ju
l-10
Jan-
11Ju
l-11
Jan-
12Ju
l-12
Jan-
13Ju
l-13
Jan-
14Ju
l-14
Jan-
15Ju
l-15
Jan-
16Ju
l-16
Milk
Pric
e m
inus
Est
imat
ed
Tota
l Cos
t
US Dairy Producer Net Margins
-100
-50
0
50
100
150
Jan-
04Ju
l-04
Jan-
05Ju
l-05
Jan-
06Ju
l-06
Jan-
07Ju
l-07
Jan-
08Ju
l-08
Jan-
09Ju
l-09
Jan-
10Ju
l-10
Jan-
11Ju
l-11
Jan-
12Ju
l-12
Jan-
13Ju
l-13
Jan-
14Ju
l-14
Jan-
15Ju
l-15
Jan-
16Ju
l-16
$/H
ead
Hog Producer Margin, Cash Based
-20
-10
0
10
20
30
Jan-
04Ju
l-04
Jan-
05Ju
l-05
Jan-
06Ju
l-06
Jan-
07Ju
l-07
Jan-
08Ju
l-08
Jan-
09Ju
l-09
Jan-
10Ju
l-10
Jan-
11Ju
l-11
Jan-
12Ju
l-12
Jan-
13Ju
l-13
Jan-
14Ju
l-14
Jan-
15Ju
l-15
Jan-
16Ju
l-16
Cen
ts/P
ound
US Broiler Weighted Margins
85% cutout, 15% whole bird
Source: Informa Economics
-120-4530
105180255330405480555
1974
1976
1978
1980
1982
1984
1986
1988
1990
1992
1994
1996
1998
2000
2002
2004
2006
2008
2010
2012
2014
2016
$/H
dO
ver D
irect
Cos
ts
Estimate Average Cow/Calf Returns (over cash costs)
39
Farmland prices continue soft in the Corn Belt and Plains
13
-8
-1
-7
-2-1
-4-6
na
13
-3
-10
-2-3
2
10
-2-1 -1
-15
-10
-5
0
5
10
15
KS MO MntStates
NE OK KansasCity
District
Nonirrigated Cropland
Irrigated Cropland
Ranchland
Source: Kansas City Federal Reserve Bank
Percent change from the previous year, 1st quarter 2016
-5
-2
-5
-7
1
-4
-8-7-6-5-4-3-2-1012
IL IN IA MI WI ChicagoDistrict
Percent change in the value of "good" farmland from previous year, 1st quarter 2016
Source: Chicago Federal Reserve Bank40
There is evidence of rising carryover debt
14
05
10152025303540
KS & western MO Mountain States** NE OK
2012 2013 2014 2015 2016
Source: Ag Credit Survey, Federal Reserve Bank of Kansas City
Borrowers with an increase in carryover debt, 1st quarter (percent*)
* Average response of banks in each region.** Mountain States include Colorado, northern New Mexico and Wyoming.
41
Commercial banks show signs of emerging credit issues
15
0
20
40
60
80
100
120
140
160
2008 2009 2010 2011 2012 2013 2014 2015 2016
Loan Repayment Rates Renewals and Extensions
Diffusion Index
Source: Ag Credit Survey, Federal Reserve Bank of Kansas City42
Risks to watch
Growing conditions this summer Interest ratesStrength of the dollarDeteriorating agricultural credit qualityMarket response to U.S. presidential electionGeopolitical developments
1643
Questions
THANK YOU
44
Farm Credit System Condition and Performance
as of March 31, 2016
Hal JohnsonSr. Financial AnalystOffice of Examination45
Topics
19
System Growth
Loan Portfolio
Earnings
Capital
FIRS46
Balances inch higher in the 1st quarter
20Source: FCS Quarterly Information Statements
247 248 248 253 261 264 266
271 283 279 283
291 304 305
192 192 193 194 201 205 205 208
217 216 221 227
236 238
3.5%
-0.1%
0.5% 0.7%
3.5%
1.7%0.2%
1.5%
4.3%
-0.4%
2.0%2.9%
4.0%
1.1%
Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
Total Assets Gross Loans % change in Gross Loans (quarter-over-quarter)47
Loan growth influenced by seasonal factors
21Source: FCS Quarterly Information Statements
1.0%
-6.0%
10.5%
1.5%
RE Mortgage[46%]
Production & Intermediate
[19%]Agribusiness
[17%]Other[18%]
1st Quarter 2016 Loan Growth by Loan Type (% change quarter-over-quarter)
1.3%2.3%
-0.1%
1.7%
-0.4%
1.1%
Q1 '11 Q1 '12 Q1 '13 Q1 '14 Q1 '15 Q1 '16
Total Gross Loans(% change quarter-over-quarter)
District Mar-14 Mar-15 Mar-16
AgFirst District (11%) -0.2% -1.0% 0.3%
AgriBank District (39%) -1.1% -1.9% 0.3%
CoBank District (41%) 5.2% 0.8% 2.0%
Texas District (9%) 1.3% 1.6% 2.3%
Total System 1.7% -0.4% 1.1%
Loan Growth by District (% change quarter-over-quarter)
48
Input_Total
Current Qtr ===>03/31/14
DateTotal AssetsCash, FF, SecuritiesGross LoansOther AssetsTotal
CapitalRestricted CapitalNonaccrual LoansOther Non-performing
LoansYTD Provision for Loan LossesQtrly Net Inc.YTD Net Inc.ROAA
QtrROAA YTD
Johnson: unless otherwise noted, source of ROAA is FFCB Grey BookQuarterly NIMNon-performing Loans/Gross LoansAccept Loans/Total LoansDaysLiquidityValues
Dec-9988,69270,002DateSum of Total AssetsSum of Cash, FF, SecuritiesSum of Gross LoansSum of Other AssetsSum of Total CapitalSum of Restricted CapitalSum of Nonaccrual LoansSum of Other Non-performing LoansSum of ROAA QtrSum of ROAA YTDSum of Qtrly Net Inc.Sum of YTD Net Inc.Sum of Non-performing Loans/Gross LoansSum of Accept Loans/Total LoansSum of DaysLiquidity
Dec-0094,03675,223Dec-9988,69270,002
Dec-01100,81082,644Dec-0094,03675,223
Dec-02110,64790,04017,0531,839939192Dec-01100,81082,644
Dec-03116,89492,79018,9232,0331,0491371.28%Dec-02110,64790,04017,0531,839939192
Mar-04120,51994,27919,3912,0789661534504501.51%1.19%93.4%Dec-03116,89492,79018,9232,0331,0491371.28%
Jun-04119,59194,28919,6872,1227921354789281.55%0.98%93.7%Mar-04120,51994,27919,3912,0789661531.51%4504501.19%93.4%
Sep-04121,25594,89920,1522,1427021324871,4151.57%0.88%93.9%Jun-04119,59194,28919,6872,1227921351.55%4789280.98%93.7%
Dec-04124,85096,36721,3892,164646974111,826
Johnson: Adjusted for allowance for loan loss reversal (1,167)0.77%94.7%161Sep-04121,25594,89920,1522,1427021321.57%4871,4150.88%93.9%
Mar-05126,74297,98121,7462,1946401044984981.59%0.76%95.2%Dec-04124,85096,36721,3892,164646974111,8260.77%94.7%161
Jun-05129,970100,64822,1951,9946511015191,0171.61%0.75%95.6%Mar-05126,74297,98121,7462,1946401041.59%4984980.76%95.2%
Sep-05135,363103,22522,6912,0296421145301,5471.61%0.73%95.6%Jun-05129,970100,64822,1951,9946511011.61%5191,0170.75%95.6%
Dec-05139,88628,427106,2725,18722,7742,06252476(1)5492,0961.61%0.56%95.9%187Sep-05135,363103,22522,6912,0296421141.61%5301,5470.73%95.6%
Mar-06143,29329,383108,5135,39723,1202,12154311055545541.57%0.60%96.0%Dec-05139,88628,427106,2725,18722,7742,062524761.61%5492,0960.56%95.9%187
Jun-06150,22431,524112,7655,93523,5352,181489107(14)6071,1611.61%0.53%96.2%Mar-06143,29329,383108,5135,39723,1202,1215431101.57%5545540.60%96.0%
Sep-06154,704115,87124,2132,24348199(12)6211,7821.62%0.50%96.1%Jun-06150,22431,524112,7655,93523,5352,1814891071.61%6071,1610.53%96.2%
Dec-06162,86433,117123,4366,31124,4302,31253382355972,3791.59%0.50%96.3%141Sep-06154,704115,87124,2132,243481991.62%6211,7820.50%96.1%
Mar-07167,13433,769127,1836,18225,2422,380470100(1)6546541.58%0.45%96.3%137Dec-06162,86433,117123,4366,31124,4302,312533821.59%5972,3790.50%96.3%141
Jun-07172,04935,884129,5186,64725,9492,450469144386401,2941.55%0.47%96.3%167Mar-07167,13433,769127,1836,18225,2422,3804701001.58%6546540.45%96.3%137
Sep-07179,517135,07026,5872,519469108647272,0211.59%0.43%96.4%143Jun-07172,04935,884129,5186,64725,9492,4504691441.55%6401,2940.47%96.3%167
Dec-07186,45136,460142,9067,08526,4192,599512109816822,7031.49%1.56%2.40%0.43%96.6%122Sep-07179,517135,07026,5872,5194691081.59%7272,0210.43%96.4%143
Mar-08197,42336,880152,9327,61126,8142,673667146337607601.57%1.57%2.44%0.53%96.4%148Dec-07186,45136,460142,9067,08526,4192,5995121091.49%1.56%6822,7030.43%96.6%122
Jun-08208,22738,848162,0627,31727,2332,746769115637931,5531.57%1.57%2.41%0.55%95.9%136Mar-08197,42336,880152,9327,61126,8142,6736671461.57%1.57%7607600.53%96.4%148
Sep-08207,53541,516158,0637,95627,8852,845935941248172,3701.58%1.58%2.41%0.65%95.6%174Jun-08208,22738,848162,0627,31727,2332,7467691151.57%1.57%7931,5530.55%95.9%136
Dec-08214,35343,807161,4239,12327,1242,9152,2821344085462,9161.05%1.44%2.41%1.50%94.7%177Sep-08207,53541,516158,0637,95627,8852,845935941.58%1.58%8172,3700.65%95.6%174
Mar-09214,88243,877162,3118,69427,8213,0042,7651512466156151.15%1.15%2.52%1.80%93.4%185Dec-08214,35343,807161,4239,12327,1242,9152,2821341.05%1.44%5462,9161.50%94.7%177
Jun-09216,12444,268163,2288,62828,5383,1103,0771754746821,2971.27%1.21%2.61%1.99%92.5%180Mar-09214,88243,877162,3118,69427,8213,0042,7651511.15%1.15%6156151.80%93.4%185
-0.6%Sep-09215,28344,050162,1869,04729,3103,2144,1321677337212,0181.34%1.25%2.63%2.65%91.4%182Jun-09216,12444,268163,2288,62828,5383,1103,0771751.27%1.21%6821,2971.99%92.5%180
1.6%Dec-09215,45742,221164,8308,40629,9593,2893,3691669258322,8501.55%1.33%2.84%2.14%90.4%178Sep-09215,28344,050162,1869,04729,3103,2144,1321671.34%1.25%7212,0182.65%91.4%182
-1.4%Mar-10213,13342,647162,5027,98430,8263,1393,5171991718028021.49%1.49%2.77%2.29%90.2%197Dec-09215,45742,221164,8308,40629,9593,2893,3691661.55%1.33%8322,8502.14%90.4%178
-0.2%Jun-10216,26145,756162,1868,31931,7503,1583,5232273168821,6841.64%1.57%2.80%2.31%90.3%197Mar-10213,13342,647162,5027,98430,8263,1393,5171991.49%1.49%8028022.29%90.2%197
3.9%Sep-10220,54542,900168,4849,16133,0473,1933,5611804749492,6331.74%1.63%2.86%2.22%90.2%172Jun-10216,26145,756162,1868,31931,7503,1583,5232271.64%1.57%8821,6842.31%90.3%197
4.1%Dec-10229,97346,282175,3518,34033,2513,2263,2291576678623,4951.52%1.60%2.93%1.93%90.6%173Sep-10220,54542,900168,4849,16133,0473,1933,5611801.74%1.63%9492,6332.22%90.2%172
1.3%Mar-11231,30746,010177,5997,69834,1163,2693,3481921081,0041,0041.77%2.82%1.99%90.8%175Dec-10229,97346,282175,3518,34033,2513,2263,2291571.52%1.60%8623,4951.93%90.6%173
-2.1%Jun-11229,99448,262173,7987,93435,0633,3163,3112412349821,9862.83%2.04%91.2%195Mar-11231,30746,010177,5997,69834,1163,2693,3481921.77%1,0041,0041.99%90.8%175
-1.8%Sep-11227,69448,420170,6158,65935,9393,3563,0712443521,0082,9942.90%1.94%91.5%200Jun-11229,99448,262173,7987,93435,0633,3163,3112419821,9862.04%91.2%195
2.4%Dec-11230,41147,281174,6648,46635,9403,3922,7382594309463,9401.71%2.91%1.72%92.6%194Sep-11227,69448,420170,6158,65935,9393,3563,0712441,0082,9941.94%91.5%200
2.3%Mar-12231,45744,736178,5958,12636,6163,4252,707263321,0521,0522.87%1.66%92.8%183Dec-11230,41147,281174,6648,46635,9403,3922,7382591.71%9463,9401.72%92.6%194
1.6%Jun-12236,25946,625181,5198,11537,4783,2412,550234671,0672,1192.86%1.53%93.7%180Mar-12231,45744,736178,5958,12636,6163,4252,7072631,0521,0521.66%92.8%183
2.1%Sep-12239,74145,896185,4098,43638,5173,2682,5223101881,0393,1582.87%1.53%93.9%183Jun-12236,25946,625181,5198,11537,4783,2412,5502341,0672,1191.53%93.7%180
3.5%Dec-12246,66446,928191,9047,83238,6093,2982,3003083139604,1181.74%2.86%1.36%94.5%185Sep-12239,74145,896185,4098,43638,5173,2682,5223101,0393,1581.53%93.9%183
-0.1%Mar-13247,50548,138191,7977,57039,6443,3442,392319221,1421,1422.83%1.41%94.6%189Dec-12246,66446,928191,9047,83238,6093,2982,3003081.74%9604,1181.36%94.5%185
0.5%Jun-13248,47547,755192,7847,93640,5813,3962,183339411,1042,2462.75%1.31%95.1%200Mar-13247,50548,138191,7977,57039,6443,3442,3923191,1421,1421.41%94.6%189
0.7%Sep-13252,88050,458194,2118,21041,7493,4471,92831091,2533,4992.78%1.15%95.5%202Jun-13248,47547,755192,7847,93640,5813,3962,1833391,1042,2461.31%95.1%200
3.5%Dec-13260,78251,893201,0607,82942,6013,4961,736304(31)1,1414,6401.86%2.75%1.01%95.8%194Sep-13252,88050,458194,2118,21041,7493,4471,9283101,2533,4991.15%95.5%202
1.7%Mar-14263,84251,739204,5637,54043,6683,5561,711357(12)1,1451,1452.63%1.01%95.6%183Dec-13260,78251,893201,0607,82942,6013,4961,7363041.86%1,1414,6401.01%95.8%194
0.2%Jun-14266,21353,361205,0547,79844,7363,6211,574309(35)1,1962,3412.65%0.92%96.0%175Mar-14263,84251,739204,5637,54043,6683,5561,7113571,1451,1451.01%95.6%183
1.5%Sep-14271,32454,877208,0518,39645,8163,6841,41734771,2283,5692.65%0.85%96.3%174Jun-14266,21353,361205,0547,79844,7363,6211,5743091,1962,3410.92%96.0%175
4.3%Dec-14282,73357,839217,0549,07745,7063,7501,375362401,1554,7241.77%2.64%0.80%96.4%173Sep-14271,32454,877208,0518,39645,8163,6841,4173471,2283,5690.85%96.3%174
-0.4%Mar-15278,96954,946216,1639,11146,8443,8161,408363271,1321,1322.57%0.82%96.2%183Dec-14282,73357,839217,0549,07745,7063,7501,3753621.77%1,1554,7240.80%96.4%173
2.0%Jun-15283,19354,400220,5359,49147,7853,8891,424342501,1412,2732.55%0.80%96.1%188Mar-15278,96954,946216,1639,11146,8443,8161,4083631,1321,1320.82%96.2%183
2.9%Sep-15291,46155,880226,8449,98348,8783,9641,399325871,2083,4812.57%0.76%96.1%183Jun-15283,19354,400220,5359,49147,7853,8891,4243421,1412,27301188
Dec-15303,50359,378235,8909,51548,8344,0391,3243051061,2074,6881.64%2.52%0.69%96.0%181Sep-15291,46155,880226,8449,98348,8783,9641,3993251,2083,48101183
Mar-16304,98658,303238,4399,59450,0434,1361,475357691,1571,1572.48%0.77%95.2%172Dec-15303,50359,378235,8909,51548,8344,0391,3243051.64%1,2074,68801181
Jun-16Mar-16304,98658,303238,4399,59450,0434,1361,4753571,1571,15701172
Sep-16Jun-16
Dec-16Sep-16
Dec-16
Quarter over QuarterYTDYOY
Row LabelsSum of Total Sum of Gross LoansAssetsGLIAssetsGLIAssetsGLI
Dec-09215,457164,830
Sep-10220,545168,4842.4%2.2%
Dec-10229,973175,3514.3%4.1%
Sep-11227,694170,615-1.0%-2.7%
Dec-11230,411174,6641.2%2.4%
Sep-12239,741185,4094.0%6.2%
Dec-12246,664191,9042.9%3.5%
Sep-13252,880194,2112.5%1.2%
Dec-13260,782201,0603.1%3.5%
Mar-14263,842204,5631.2%1.7%1.2%1.7%
Jun-14266,213205,0540.9%0.2%2.1%2.0%
Sep-14271,324208,0511.9%1.5%4.0%3.5%
Dec-14282,733217,0544.2%4.3%8.4%8.0%
Mar-15278,969216,163-1.3%-0.4%-1.3%-0.4%YTDMonth
Jun-15283,193220,5351.5%2.0%0.2%1.6%2.4%2.2%
Sep-15291,461226,8442.9%2.9%3.1%4.5%4.3%
Dec-15303,503235,8904.1%4.0%7.3%8.7%-1.0%-2.7%
Grand Total4,365,3853,360,6821.2%
4.0%6.2%
2.9%
(891)2.5%1.2%
4,3723.1%
6,3091.2%
9,0460.9%2.0%0.2%
18,8360.48
Row LabelsSum of Gross Loans
Jun-09163,228
Sep-09162,186
Jun-10162,186
Sep-10168,4843.9%
Jun-11173,798
Sep-11170,615-1.8%
Jun-12181,519
Sep-12185,4092.1%
Jun-13192,784
Sep-13194,2110.7%
Jun-14205,054
Sep-14208,0511.5%
Grand Total2,167,525
Input_District
DISTRICT INFORMATION
ASSETS
Values
TOTAL ASSETSAgFirstAgribankTexasUS AgBankCoBankElimsFCSchk figureTOTAL ASSETSSum of AgFirstSum of AgribankSum of TexasSum of US AgBankSum of CoBankSum of FCS
Dec-0522,77545,91213,21921,45135,0961,433139,886- 03/31/1032,88873,38919,20129,34359,348213,133
Mar-0623,67447,13713,45321,39836,2311,400143,293- 06/30/1033,45374,49919,49929,64860,154216,261
Jun-0624,77050,32014,61422,21336,8501,457150,224- 09/30/1032,77477,13719,57529,91962,114220,545
Sep-0612/31/1033,55079,78619,55630,33367,700229,973
Dec-0626,76153,50615,99123,25842,772576162,864- 03/31/1132,19079,93219,30629,59571,206231,307
Mar-0726,95654,81616,41123,88744,429635167,134- 06/30/1133,01480,41419,37429,68868,405229,994
Jun-0727,96156,25816,80925,67744,938406172,049- 09/30/1133,27581,48819,40729,91264,416227,694
Sep-0728,89358,36417,44525,77048,876169179,517- 012/31/1132,51183,13719,64230,53965,377230,411
Dec-0729,26159,23618,00126,72953,701(477)186,451- 03/31/1231,25083,24419,89897,325231,457
Mar-0830,06561,79318,60827,13360,722(898)197,423- 06/30/1231,98586,42820,70197,669236,259
Jun-0831,99665,76319,31828,28763,914(1,051)208,227- 09/30/1231,98989,54220,64898,014239,741
Sep-0832,31367,86219,66429,52259,534(1,360)207,535- 012/31/1232,09993,50921,126100,375246,664
Dec-0832,41270,46820,17129,81662,784(1,298)214,353- 03/31/1331,15692,31321,190103,232247,505
Mar-0932,41969,77319,94329,55564,303(1,111)214,882- 06/30/1331,47694,82121,421101,362248,475
Jun-0932,54170,92319,42329,94164,364(1,068)216,124- 09/30/1331,93797,14721,716102,636252,880
Sep-0932,64372,05419,31230,38061,862(968)215,283- 012/31/1332,261100,32922,373106,355260,782
Dec-0933,40673,82419,11730,14759,843(880)215,457- 03/31/1431,38999,66922,590110,653263,842
Mar-1032,88873,38919,20129,34359,348(1,036)213,133- 06/30/1431,860101,58923,022110,156266,213
Jun-1033,45374,49919,49929,64860,154(992)216,261- 09/30/1432,807104,27623,505111,087271,324
Sep-1032,77477,13719,57529,91962,114(974)220,545- 012/31/1433,272108,62124,335116,966282,844
Dec-1033,55079,78619,55630,33367,700(952)229,973- 03/31/1532,999106,24624,574115,377278,969
Mar-1132,19079,93219,30629,59571,206(922)231,307- 06/30/1532,971108,60525,082116,938283,193
Jun-1133,01480,41419,37429,68868,405(901)229,994- 09/30/1534,313111,16825,745120,598291,461
Sep-1133,27581,48819,40729,91264,416(804)227,694- 0
Dec-1132,51183,13719,64230,53965,377(795)230,411- 0
Mar-1231,25083,24419,89897,325(260)231,457- 0
Jun-1231,98586,42820,70197,669(524)236,259- 0LOANS
Sep-1231,98989,54220,64898,014(452)239,741- 0Values
Dec-1232,09993,50921,126100,375(445)246,664- 0GROSS LOANSSum of AgFirstSum of AgribankSum of TexasSum of US AgBankSum of CoBankSum of FCS
Mar-1331,15692,31321,190103,232(386)247,505- 03/31/1022,83359,54315,78668,856162,502
Jun-1331,47694,82121,421101,362(605)248,475- 06/30/1022,89060,36415,68267,731162,186
Sep-1331,93797,14721,716102,636(556)252,880- 09/30/1023,00762,11315,66872,174168,484
Dec-1332,261100,32922,373106,355(536)260,782- 012/31/1023,03365,04815,62976,122175,351
Mar-1431,38999,66922,590110,653(459)263,842- 03/31/1122,80264,76115,61078,914177,599
Jun-1431,860101,58923,022110,156(414)266,213- 06/30/1122,91665,29315,55074,532173,798
Sep-1432,807104,27623,505111,087(351)271,324- 09/30/1122,74966,17715,26670,851170,615
Dec-1433,272108,62124,335116,966(350)282,844(111)12/31/1122,48268,35015,62472,681174,664
Mar-1532,999106,24624,574115,377(227)278,969- 03/31/1222,14967,87316,00076,599178,595
Jun-1532,971108,60525,082116,938(403)283,193- 06/30/1222,58370,80216,39475,842181,519
Sep-1534,313111,16825,745120,598(363)291,461- 09/30/1222,77673,11416,58876,973185,409
12/31/1222,92977,08916,86779,077191,904
GROSS LOANSAgFirstAgribankTexasUS AgBankCoBankElimsFCSchk figure3/31/1322,58275,57217,09080,621191,797
Dec-0516,17236,60110,22044,247(968)106,2726/30/1323,05178,12917,16578,766192,784
Mar-0616,48037,29310,37345,419(1,052)108,5139/30/1323,08280,01517,33478,086194,211
Jun-0617,36739,25111,22145,983(1,057)112,76512/31/1323,27182,77017,72581,603201,060
Sep-063/31/1423,21781,87317,95985,842204,563
Dec-0618,67041,98712,90551,922(2,048)123,436- 06/30/1423,73183,08018,23284,349205,054
Mar-0718,94043,15913,47853,676(2,070)127,183- 09/30/1424,11785,21018,69284,350208,051
Jun-0719,67044,81813,84453,575(2,389)129,518- 012/31/1424,41688,49819,35089,132217,054
Sep-0720,29446,58314,44556,435(2,687)135,070- 03/31/1524,18186,79419,66889,845216,163
Dec-0720,72848,89415,11461,610(3,440)142,906- 06/30/1524,72289,09719,99491,273220,535
Mar-0821,42151,17315,69268,577(3,931)152,932- 09/30/1525,45291,66220,52793,775226,844
Jun-0822,64354,88716,31072,383(4,161)162,062- 012/31/1526,15394,94421,18298,383235,890
Sep-0823,10555,99916,54266,981(4,564)158,063- 03/31/1626,23295,19421,677100,311238,439
Dec-0823,07857,15216,59069,197(4,594)161,423- 0
Mar-0922,94957,03716,49870,311(4,484)162,311- 0
Jun-0923,24658,00216,49070,029(4,539)163,228- 0
Sep-0923,31359,15716,36767,868(4,519)162,186- 0
Dec-0923,20860,24616,16769,728(4,519)164,830- 0
Mar-1022,83359,54315,78668,856(4,516)162,502- 0
Jun-1022,89060,36415,68267,731(4,481)162,186- 0
Sep-1023,00762,11315,66872,174(4,478)168,484- 0
Dec-1023,03365,04815,62976,122(4,481)175,351- 0
Mar-1122,80264,76115,61078,914(4,488)177,599- 0
Jun-1122,91665,29315,55074,532(4,493)173,798- 0
Sep-1122,74966,17715,26670,851(4,428)170,615- 0
Dec-1122,48268,35015,62472,681(4,473)174,664- 0
Mar-1222,14967,87316,00076,599(4,026)178,595- 0
Jun-1222,58370,80216,39475,842(4,102)181,519- 0
Sep-1222,77673,11416,58876,973(4,042)185,409- 0
Dec-1222,92977,08916,86779,077(4,058)191,904- 0
Mar-1322,58275,57217,09080,621(4,068)191,797- 0
Jun-1323,05178,12917,16578,766(4,327)192,784- 0
Sep-1323,08280,01517,33478,086(4,306)194,211- 0
Dec-1323,27182,77017,72581,603(4,309)201,060- 0
Mar-1423,21781,87317,95985,842(4,328)204,563- 0
Jun-1423,73183,08018,23284,349(4,338)205,054- 0
Sep-1424,11785,21018,69284,350(4,318)208,051- 0
Dec-1424,41688,49819,35089,132(4,342)217,054- 0
Mar-1524,18186,79419,66889,845(4,325)216,163- 0
Jun-1524,72289,09719,99491,273(4,551)220,535- 0
Sep-1525,45291,66220,52793,775(4,572)226,844- 0
Dec-1526,15394,94421,18298,383(4,772)235,890- 0
Mar-1626,23295,19421,677100,311(4,975)238,439- 0
11.1%40.2%9.0%41.7%-2.0%100.0%
11.0%39.0%9.0%41.0%100.0%
AgFirstAgribankTexasUS AgBankCoBankElimsFCS
200823,07857,15216,590- 069,197(4,594)161,423
200923,20860,24616,167- 069,728(4,519)164,830
201023,03365,04815,629- 076,122(4,481)175,351
201122,48268,35015,624- 072,681(4,473)174,664
$ change
20091303,094(423)- 0531753,407
2010(175)4,802(538)- 06,3943810,521
2011(551)3,302(5)- 0(3,441)8(687)
3 yr. cumulative(596)11,198(966)- 03,48412113,241
- 0- 0- 0- 0- 0- 0- 0
Input_ALL
QuarterNonaccrualsAllowance for Loan LossesProvision for Loan LossesOther Provision/AdjustTotalNet ChargeoffsNet Increase ALLCalculated AllowanceVarianceTotal LoansNonaccruals as a % of Total LoansMar-10Jun-10Sep-10Dec-10Mar-11Jun-11Sep-11
Mar-07470735(1)0(1)21735- 0127,1830.37%Nonaccruals
Jun-0746975839039(16)23758- 0129,5180.36%Current1,6781,7611,8011,6041,6481,6261,604
Sep-0746977226026(12)14772- 0135,0700.35%Past Due1,8391,7621,7601,6251,7001,6851,467
Dec-0751278117017(8)9781- 0142,9060.36%3,5173,5233,5613,2293,3483,3113,071
Mar-0866780433033(10)23804- 0152,9320.44%Current %48%50%51%50%49%49%52%
Jun-0876982030030(14)16820- 0162,0620.47%Past Due %52%50%49%50%51%51%48%
Sep-0893587161061(10)51871- 0158,0630.59%
Dec-082,282936284(154)130(65)65936- 0161,4231.41%Total Loans162,502162,186168,484175,351177,599173,798170,615
Mar-092,7651,03724614260(159)1011,037- 0162,3111.70%2.16%2.17%2.11%1.84%1.89%1.91%1.80%
Jun-093,0771,16622814242(113)1291,166- 0163,2281.89%
Sep-094,1321,323259(16)243(86)1571,323- 0162,1862.55%
Dec-093,3691,3591924196(160)361,359- 0164,8302.04%
Mar-103,5171,451171(11)160(68)921,451- 0162,5022.16%
Jun-103,5231,4401451146(157)(11)1,440- 0162,1862.17%
Sep-103,5611,403158(14)144(181)(37)1,403- 0168,4842.11%
Dec-103,2291,44719341234(190)441,447- 0175,3511.84%
Mar-113,3481,456108(28)80(71)91,456- 0177,5991.89%
Jun-113,3111,447126(18)108(117)(9)1,447- 0173,7981.91%
Sep-113,0711,392118(29)89(144)(55)1,392- 0170,6151.80%
Dec-112,7381,29078(12)66(168)(102)1,290- 0174,6641.57%
Mar-122,7071,298321850(42)81,298- 0178,5951.52%
Jun-122,5501,24135(41)(6)(51)(57)1,241- 0181,5191.40%
Sep-122,5221,274121(12)109(76)331,274- 0185,4091.36%
Dec-122,3001,34312511136(67)691,343- 0191,9041.20%
Mar-132,3921,34122(6)16(18)(2)1,341- 0191,7971.25%
Jun-132,1831,32319625(43)(18)1,323- 0192,7841.13%
Sep-131,9281,237(32)(16)(48)(38)(86)1,237- 0194,2110.99%
Dec-131,7361,238(40)4(36)3711,238- 0201,0600.86%
Mar-141,7111,221(12)(2)(14)(3)(17)1,221- 0204,5630.84%
Jun-141,5741,183(23)(2)(25)(13)(38)1,183- 0205,0540.77%
Sep-141,4171,18442(40)2(1)11,184- 0208,0510.68%
Dec-141,3751,2373371104(51)531,237- 0217,0540.63%
Mar-151,4081,25127(14)131141,251- 0216,1630.65%
Jun-151,4241,23323(24)(1)(17)(18)1,233- 0220,5350.65%
Sep-151,3991,24637(7)30(17)131,246- 0226,8440.62%
Dec-151,3241,280191938(4)341,280- 0235,8900.56%
Mar-161,4751,35069675(5)701,350- 0238,4390.62%
Jun-16
Sep-16
Dec-16
Current48%48%50%50%51%51%50%50%49%49%49%49%52%52%
402684035940451405434063340724408161678176118011604164816261604Past Due52%52%50%50%49%49%50%50%51%51%51%51%48%48%402684035940451405434063340724408161839176217601625170016851467402684035940451405434063340724408163517352335613229334833113071Nonaccruals as a % of Total Loans402684035940451405434063340724408162.1642810550024E-22.1721973536556794E-22.1135538092637875E-21.8414494357032466E-21.8851457496945365E-21.9050852138689744E-21.7999589719544004E-2
SystemGrowth
Total Assets Total FCS Assets Total Gross Loans 11Q
$ % change year-over-year$ change year-over-year$ % change quarter-over-quarter$ change quarter-over-quarter % change year-to-date$ change year-to-date$% change in Gross Loans (quarter-over-quarter)21Q
Jun-03113.9Jun-102Q-10216Jun-1016231Q
Jun-04119.65.0%5.6Sep-103Q-102212.0%4.28Sep-101683.9%42Q
Jun-05130.08.7%10.4Dec-104Q-102304.3%9.43Dec-101754.1%52Q
Jun-06150.215.6%20.3Mar-111Q-112310.6%1.33Mar-111781.3%62Q
Jun-07172.014.5%21.8Jun-112Q-11230-0.6%(1.31)Jun-11174-2.1%73Q
Jun-08208.221.0%36.2Sep-113Q-11228-1.0%(2.30)Sep-11171-1.8%83Q
Jun-09216.13.8%7.9Dec-114Q-112301.2%2.72Dec-111752.4%93Q
Jun-10216.30.1%0.1Mar-121Q-122310.5%1.05Mar-121792.3%104Q
Jun-11230.06.4%13.7Jun-122Q-122362.1%4.80Jun-121821.6%114Q
Jun-12236.32.7%6.3Sep-123Q-122401.5%3.48Sep-121852.1%124Q
Jun-13248.55.2%12.2Dec-124Q-122472.9%6.92Dec-121923.5%
Jun-14266.27.1%17.7Mar-131Q-132480.3%0.84Mar-13192-0.1%
Jun-15283.26.4%17.0Jun-132Q-132480.4%0.97Jun-131930.5%
Sep-133Q-132531.8%4.41Sep-131940.7%
Dec-134Q-132613.1%7.90Dec-132013.5%
Mar-141Q-142641.2%3.06Mar-142051.7%
Jun-142Q-142660.9%2.37Jun-142050.2%
Sep-143Q-142711.9%5.11Sep-142081.5%
Dec-144Q-142834.2%11.41Dec-142174.3%
Mar-151Q-15279-1.3%(3.76)Mar-15216-0.4%
Jun-152Q-152831.5%4.22Jun-152212.0%
Sep-153Q-152912.9%8.27Sep-152272.9%
Dec-154Q-153044.1%12.04Dec-152364.0%
Mar-161Q-163050.5%1.48Mar-162381.1%8.1%
Total Assets
417294182041912420044209442185422774236942460263.84199999999998266.21300000000002271.32400000000001282.733278.96899999999999283.19299999999998291.46100000000001303.50299999999999304.98599999999999Gross Loans417294182041912420044209442185422774236942460204.56299999999999205.054208.05099999999999217.054216.16300000000001220.535226.84399999999999235.89238.43899999999999 % change year-over-year4172941820419124200442094421854227742369424601.7422659902516593E-22.4002385573149293E-31.4615662215806497E-24.3273043628725721E-2-4.1049692703197874E-32.0225477995771641E-22.8607703992563526E-23.9877625152086864E-21.0805884098520525E-2
Total FCS Assets
411824127441364414554154741639417294182041912420044209442185422774236942460239.74100000000001246.66399999999999247.505248.47499999999999252.88260.78199999999998263.84199999999998266.21300000000002271.32400000000001282.733278.96899999999999283.19299999999998291.46100000000001303.50299999999999304.98599999999999 Total Gross Loans
411824127441364414554154741639417294182041912420044209442185422774236942460185.40899999999999191.904191.797192.78399999999999194.21100000000001201.06204.56299999999999205.054208.05099999999999217.054216.16300000000001220.535226.84399999999999235.89238.43899999999999% change in Gross Loans (quarter-over-quarter)
4118241274413644145541547416394172941820419124200442094421854227742369424602.143026349858685E-23.5030661941976952E-2-5.5757045189260945E-45.1460658925843198E-37.4020665615404857E-33.5265767644469107E-21.7422659902516593E-22.4002385573149293E-31.4615662215806497E-24.3273043628725721E-2-4.1049692703197874E-32.0225477995771641E-22.8607703992563526E-23.9877625152086864E-21.0805884098520525E-2
$ billions
LoanGrowth
System Gross Loans ($B) System Gross Loans ($B)
$ % change year-over-year$ % change quarter-over-quarter $ change quarter-over-quarter % change year-to-date $ change year-to-date
Mar-0494.3Dec-09
Jun-0494.30.0%Mar-10162.511Q
Sep-0494.90.6%Jun-10162.2-0.2%(0.3)21Q
Dec-0496.41.5%Sep-10168.53.9%6.331Q
Mar-0598.01.7%Dec-10175.44.1%6.942Q
Mar-06108.510.7%Mar-11177.61.3%2.252Q
Mar-07127.217.2%Jun-11173.8-2.1%(3.8)62Q
Mar-08152.920.2%Sep-11170.6-1.8%(3.2)73Q
Mar-09162.36.1%Dec-11174.72.4%4.083Q
Mar-10162.50.1%Mar-12178.62.3%3.993Q
Mar-11177.69.3%Jun-12181.51.6%2.9104Q
Mar-12178.60.6%Sep-12185.42.1%3.9114Q
Mar-13191.87.4%Dec-12191.93.5%6.5124Q
Mar-13191.8-0.1%(0.1)
Jun-13192.80.5%1.0
System Gross Loans ($B)
407244081640908409994109041182412744136441455173.798170.61500000000001174.66399999999999178.595181.51900000000001185.40899999999999191.904191.797192.78399999999999 % change quarter-over-quarter
40633407244081640908409994109041182412744136441455-2.1402147534614429E-2-1.8314364952415983E-22.3731793804764985E-22.2506068794943504E-21.6372238864469927E-22.143026349858685E-23.5030661941976952E-2-5.5757045189260945E-45.1460658925843198E-3
1#REF!
1#REF!
System Gross Loans ($B)
4081640908409994109041182412744136441455170.61500000000001174.66399999999999178.595181.51900000000001185.40899999999999191.904191.797192.78399999999999 % change quarter-over-quarter
4081640908409994109041182412744136441455-1.8314364952415983E-22.3731793804764985E-22.2506068794943504E-21.6372238864469927E-22.143026349858685E-23.5030661941976952E-2-5.5757045189260945E-45.1460658925843198E-3
LoanGrowthbyType
10081199101101215-1.7%2.1%
Loan growth by Loan Type
12/31/1006/30/1109/30/1112/31/1103/31/1206/30/1209/30/1212/31/1203/31/1306/30/1309/30/1312/31/1303/31/1406/30/1409/30/1412/31/1403/31/1506/30/1509/30/1512/31/1503/31/14%
RE Mortgage78,02178,59279,40780,65881,32983,34884,99092,50488,68690,78292,47195,20994,20195,36596,658100,81199,101101,459103,618107,813108,84445.6%
Prod. & Intermediate40,58439,35640,22041,27638,06240,51842,26143,44639,63441,95243,13844,30942,02343,73045,61046,30544,93846,88748,52749,20446,27019.4%
Agribusiness
Loans to Co-ops16,18115,52311,02111,89316,27713,16613,13910,25514,69911,3959,75510,88516,32114,02212,97112,55315,86514,25714,18813,11315,8506.6%
Process & Marketing11,14510,84410,26310,33911,04610,80311,01210,73512,50912,11312,23713,16414,09413,63713,75016,97415,42915,56816,47319,94920,9278.8%
Farm-related business2,2552,3132,2822,5022,5932,6392,7192,8582,9092,9922,8792,9993,0162,9733,3903,4083,4993,5263,6293,5333,6451.5%
s/t29,58128,68023,56624,73429,91626,60826,87023,84830,11726,50024,87127,04833,43130,63230,11132,93534,79333,35134,29036,59540,42217.0%
Rural Infrastructure15,09115,00315,08015,60616,40917,61217,82917,84319,22319,33919,12219,78820,22320,34620,79321,56822,28623,29824,37525,79826,24011.0%
Rural residential RE5,4755,6295,7275,8325,8815,9776,1036,4306,3036,4026,5056,5116,5536,6216,7456,7546,8266,9126,9097,1177,1173.0%
Agricultural export finance4,0363,8813,9293,8344,2194,5614,3984,7294,7664,6144,8194,7434,7904,8334,4974,8374,4404,7145,1005,0755,3112.2%
Other2,5632,6572,6862,7242,7792,8952,9583,1043,0683,1953,2853,4523,3423,5273,6373,8443,7793,9144,0254,2884,2351.8%
Total175,351173,798170,615174,664178,595181,519185,409191,904191,797192,784194,211201,060204,563205,054208,051217,054216,163220,535226,844235,890238,439100.0%
Combined RU/RuralRE/Export/Other27,16527,17027,42227,99629,28831,04531,28832,10633,36033,55033,73134,49434,90835,32735,67237,00337,33138,83840,40942,27842,90318.0%
% change quarter-over-quarter
06/30/1109/30/1112/31/1103/31/1206/30/1209/30/1212/31/1203/31/1306/30/1309/30/1312/31/1303/31/1406/30/1409/30/1412/31/1403/31/1506/30/1509/30/1512/31/1503/31/14.- 0
RE Mortgage1.0%1.6%0.8%2.5%2.0%8.8%-4.1%2.4%1.9%3.0%-1.1%1.2%1.4%4.3%-1.7%2.4%2.1%4.0%1.0%2310
Prod. & Intermediate2.2%2.6%-7.8%6.5%4.3%2.8%-8.8%5.8%2.8%2.7%-5.2%4.1%4.3%1.5%-3.0%4.3%3.5%1.4%-6.0%2,310
AgribusinessERROR:#DIV/0!Texas District (8%)CoBank District (40%)AgriBank District (41%)AgFirst District (11%) Total FCS
Loans to Co-ops-29.0%7.9%36.9%-19.1%-0.2%-21.9%43.3%-22.5%-14.4%11.6%49.9%-14.1%-7.5%-3.2%26.4%-10.1%-0.5%-7.6%20.9%Dec-990.0%0.0%0.0%0.0%0.0%
Process & Marketing-5.4%0.7%6.8%-2.2%1.9%-2.5%16.5%-3.2%1.0%7.6%7.1%-3.2%0.8%23.4%-9.1%0.9%5.8%21.1%4.9%Dec-990.0%0.0%0.0%0.0%0.0%
Farm-related business-1.3%9.6%3.6%1.8%3.0%5.1%1.8%2.9%-3.8%4.2%0.6%-1.4%14.0%0.5%2.7%0.8%2.9%-2.6%3.2%Dec-990.0%0.0%0.0%0.0%0.0%
s/t-17.8%5.0%21.0%-11.1%1.0%-11.2%26.3%-12.0%-6.1%8.8%23.6%-8.4%-1.7%9.4%5.6%-4.1%2.8%6.7%10.5%
Rural Utility0.5%3.5%5.1%7.3%1.2%0.1%7.7%0.6%-1.1%3.5%2.2%0.6%2.2%3.7%3.3%4.5%4.6%5.8%1.7%
Rural residential RE1.7%1.8%0.8%1.6%2.1%5.4%-2.0%1.6%1.6%0.1%0.6%1.0%1.9%0.1%1.1%1.3%-0.0%3.0%0.0%Q1 2014Q1 2015Q1 2016
Agricultural export finance1.2%-2.4%10.0%8.1%-3.6%7.5%0.8%-3.2%4.4%-1.6%1.0%0.9%-7.0%7.6%-8.2%6.2%8.2%-0.5%4.7%Total Gross Loans1.7%-0.4%1.1%
Other1.1%1.4%2.0%4.2%2.2%4.9%-1.2%4.1%2.8%5.1%-3.2%5.5%3.1%5.7%-1.7%3.6%2.8%6.5%-1.2%RE Mortgage[46%]1.0%
Total-1.8%2.4%2.3%1.6%2.1%3.5%-0.1%0.5%0.7%3.5%1.7%0.2%1.5%4.3%-0.4%2.0%2.9%4.0%1.1%Production & Intermediate[19%]-6.0%
Combined RU/RuralRE/Export/Other0.9%2.1%4.6%6.0%0.8%2.6%3.9%0.6%0.5%2.3%1.2%1.2%1.0%3.7%0.9%4.0%4.0%4.6%1.5%Agribusiness [17%]10.5%
Other[18%]1.5%
Dollar change quarter-over-quarter
06/30/1109/30/1112/31/1103/31/1206/30/1209/30/1212/31/1203/31/1306/30/1309/30/1312/31/1303/31/1406/30/1409/30/1412/31/1403/31/1506/30/1509/30/1512/31/1503/31/14.
RE Mortgage8151,2516712,0191,6427,514(3,818)2,0961,6892,738(1,008)1,1641,2934,153(1,710)2,3582,1594,1951,031
Prod. & Intermediate8641,056(3,214)2,4561,7431,185(3,812)2,3181,1861,171(2,286)1,7071,880695(1,367)1,9491,640677(2,934)Q1 '111.3%
AgribusinessQ1 '122.3%
Loans to Co-ops(4,502)8724,384(3,111)(27)(2,884)4,444(3,304)(1,640)1,1305,436(2,299)(1,051)(418)3,312(1,608)(69)(1,075)2,737Q1 '13-0.1%
Process & Marketing(581)76707(243)209(277)1,774(396)124927930(457)1133,224(1,545)1399053,476978Q1 '141.7%
Farm-related business(31)2209146801395183(113)12017(43)417189127103(96)112Q1 '15-0.4%
s/t(5,114)1,1685,182(3,308)262(3,022)6,269(3,617)(1,629)2,1776,383(2,799)(521)2,8241,858(1,442)9392,3053,827Q1 '161.1%
Rural Utility775268031,203217141,380116(217)6664351234477757181,0121,0771,423442
Rural residential RE981054996126327(127)991036426812497286(3)208- 0
Agricultural export finance48(95)385342(163)33137(152)205(76)4743(336)340(397)274386(25)236
Other29385511663146(36)12790167(110)185110207(65)135111263(53)
Total(3,183)4,0493,9312,9243,8906,495(107)9871,4276,8493,5034912,9979,003(891)4,3726,3099,0462,549
Combined RU/RuralRE/Export/Other2525741,2921,7572438181,2541901817634144193451,3313281,5071,5711,869625
% change year-to-date
06/30/1109/30/1112/31/1103/31/1206/30/1209/30/1212/31/1203/31/1306/30/1309/30/1312/31/1303/31/1406/30/1409/30/1412/31/1403/31/1506/30/1509/30/1512/31/1503/31/14.
RE Mortgage0.7%1.8%3.4%0.8%3.3%5.4%14.7%-4.1%-1.9%-0.0%2.9%-1.1%0.2%1.5%5.9%-1.7%0.6%2.8%6.9%1.0%
Prod. & Intermediate-3.0%-0.9%1.7%-7.8%-1.8%2.4%5.3%-8.8%-3.4%-0.7%2.0%-5.2%-1.3%2.9%4.5%-3.0%1.3%4.8%6.3%-6.0%
Agribusiness
Loans to Co-ops-4.1%-31.9%-26.5%36.9%10.7%10.5%-13.8%43.3%11.1%-4.9%6.1%49.9%28.8%19.2%15.3%26.4%13.6%13.0%4.5%20.9%
Process & Marketing-2.7%-7.9%-7.2%6.8%4.5%6.5%3.8%16.5%12.8%14.0%22.6%7.1%3.6%4.5%28.9%-9.1%-8.3%-3.0%17.5%4.9%
Farm-related business2.6%1.2%11.0%3.6%5.5%8.7%14.2%1.8%4.7%0.7%4.9%0.6%-0.9%13.0%13.6%2.7%3.5%6.5%3.7%3.2%
s/t-3.0%-20.3%-16.4%21.0%7.6%8.6%-3.6%26.3%11.1%4.3%13.4%23.6%13.3%11.3%21.8%5.6%1.3%4.1%11.1%10.5%
Rural Utility-0.6%-0.1%3.4%5.1%12.9%14.2%14.3%7.7%8.4%7.2%10.9%2.2%2.8%5.1%9.0%3.3%8.0%13.0%19.6%1.7%
Rural residential RE2.8%4.6%6.5%0.8%2.5%4.6%10.3%-2.0%-0.4%1.2%1.3%0.6%1.7%3.6%3.7%1.1%2.3%2.3%5.4%0.0%
Agricultural export finance-3.8%-2.7%-5.0%10.0%19.0%14.7%23.3%0.8%-2.4%1.9%0.3%1.0%1.9%-5.2%2.0%-8.2%-2.5%5.4%4.9%4.7%
Other3.7%4.8%6.3%2.0%6.3%8.6%14.0%-1.2%2.9%5.8%11.2%-3.2%2.2%5.4%11.4%-1.7%1.8%4.7%11.6%-1.2%
Total-0.9%-2.7%-0.4%2.3%3.9%6.2%9.9%-0.1%0.5%1.2%4.8%1.7%2.0%3.5%8.0%-0.4%1.6%4.5%8.7%1.1%
Combined RU/RuralRE/Export/Other0.0%0.9%3.1%4.6%10.9%11.8%14.7%3.9%4.5%5.1%7.4%1.2%2.4%3.4%7.3%0.9%5.0%9.2%14.3%1.5%
Dollar change year-to-date
06/30/1109/30/1112/31/1103/31/1206/30/1209/30/1212/31/1203/31/1306/30/1309/30/1312/31/1303/31/1406/30/1409/30/1412/31/1403/31/1506/30/1509/30/1503/31/14.
RE Mortgage5711,3862,6376712,6904,33211,846(3,818)(1,722)(33)2,705(1,008)1561,4495,602(1,710)6482,807
Prod. & Intermediate(1,228)(364)692(3,214)(758)9852,170(3,812)(1,494)(308)863(2,286)(579)1,3011,996(1,367)5822,222
Agribusiness
Loans to Co-ops(658)(5,160)(4,288)4,3841,2731,246(1,638)4,4441,140(500)6305,4363,1372,0861,6683,3121,7041,635
Process & Marketing(301)(882)(806)7074646733961,7741,3781,5022,4299304735863,810(1,545)(1,406)(501)
Farm-related business582724791137217356511342114117(26)39140991118221
s/t(901)(6,015)(4,847)5,1821,8742,136(886)6,2692,6521,0233,2006,3833,5843,0635,8871,8584161,355
Rural Utility(88)(11)5158032,0062,2232,2371,3801,4961,2791,9454355581,0051,7807181,7302,807
Rural residential RE15425235749145271598(127)(28)75814211023424372158155
Agricultural export finance(155)(107)(202)38572756489537(115)90144790(246)94(397)(123)263
Other9412316155171234380(36)91181348(110)75185392(65)70181
Total(1,553)(4,736)(687)3,9316,85510,74517,240(107)8802,3079,1563,5033,9946,99115,994(891)3,4819,790
Combined RU/RuralRE/Export/Other52578311,2923,0493,2924,1101,2541,4441,6252,3884148331,1782,5093281,8353,406
2,378
Q1 2014
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]1.742265990251668E-2Q1 2015
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]-4.1049692703197804E-3Q1 2016
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]1.0805884098520568E-29.5628542012557993E-3-5.9629298431021827E-20.104577128022953941.4783102322720953E-2
Q1 2014
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]1.742265990251668E-2Q1 2015
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]-4.1049692703197804E-3Q1 2016
Total Gross LoansRE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]1.0805884098520568E-29.5628542012557993E-3-5.9629298431021827E-20.104577128022953941.4783102322720953E-2
Total Gross Loans
% change quarter-over-quarter
Total Gross Loans
Q1 '11Q1 '12Q1 '13Q1 '14Q1 '15Q1 '161.2820001026512482E-22.2506068794943504E-2-5.5757045189260945E-41.7422659902516593E-2-4.1049692703197874E-31.0805884098520525E-2
Q1 2016
RE Mortgage[46%]Production & Intermediate[19%]Agribusiness [17%]Other[18%]9.5628542012557993E-3-5.9629298431021827E-20.104577128022953941.4783102322720953E-2
LoanGrowth_Dist
YTD GROWTH RATE
(remember to change titles in table)
Loan Growth by District (% change quarter-over-quarter)
201620152014201311Q
Current QtrBase QtrPrior YearPrior YearPrior Year21QDistrictMar-14Mar-15Mar-16
Mar-16Dec-15% Chg.% of TotalMar-15Dec-14% Chg.Mar-14Dec-13% Chg.3/31/13Dec-12% Chg.31QAgFirst District (11%)-0.2%-1.0%0.3%
FCS238,439235,8901.1%102.1%216,163217,054-0.4%204,563201,0601.7%191,797191,904-0.1%42QAgriBank District (39%)-1.1%-1.9%0.3%
AgFirst26,23226,1530.3%11.00%24,18124,416-1.0%23,21723,271-0.2%22,58222,929-1.5%52QCoBank District (41%)5.2%0.8%2.0%
Agribank95,19494,9440.3%39.92%86,79488,498-1.9%81,87382,770-1.1%75,57277,089-2.0%62QTexas District (9%)1.3%1.6%2.3%
CoBank100,31198,3832.0%42.07%89,84589,1320.8%85,84281,6035.2%80,62179,0772.0%73QTotal System 1.7%-0.4%1.1%
Texas21,67721,1822.3%9.09%19,66819,3501.6%17,95917,7251.3%17,09016,8671.3%83Q
93Q
104Q
114Q
124Q
Texas District(9%)CoBank District(41%)AgriBank District(39%)AgFirst District (11%)Total FCS
20152.3%2.0%0.3%0.3%1.1%
20141.6%0.8%-1.9%-1.0%-0.4%
20131.3%5.2%-1.1%-0.2%1.7%
11
40
41
8
100
2014
AgFirstAgribankCoBankTexas-2.3204847234755705E-3-1.0837259876766944E-25.1946619609573176E-21.3201692524682652E-22015
AgFirstAgribankCoBankTexas-9.6248361730013107E-3-1.9254672421975639E-27.9993717183503114E-31.6434108527131782E-22016
AgFirstAgribankCoBankTexas3.0206859633694033E-32.6331311088641724E-31.9596881575068864E-22.3368898121046172E-2
2015
Texas District(9%)CoBank District(41%)AgriBank District(39%)AgFirst District (11%)2.3368898121046172E-21.9596881575068864E-22.6331311088641724E-33.0206859633694033E-32014
Texas District(9%)CoBank District(41%)AgriBank District(39%)AgFirst District (11%)1.6434108527131782E-27.9993717183503114E-3-1.9254672421975639E-2-9.6248361730013107E-32013
Texas District(9%)CoBank District(41%)AgriBank District(39%)AgFirst District (11%)1.3201692524682652E-25.1946619609573176E-2-1.0837259876766944E-2-2.3204847234755705E-3
Capital
Current Qtr3/31/16
System CapitalRestricted CapitalTotal Capital less Restricted% change(qtr-over-qtr)AssetsCapital-to-Assets ratiocapital-to-assets ratio w/o restrict
Date
9/30/1238.53.335.2239.716.1%14.9%
12/31/1238.63.335.30.2%246.715.7%14.5%
3/31/1339.63.336.32.7%247.516.0%14.9%
6/30/1340.63.437.22.4%248.516.3%15.2%
9/30/1341.73.438.32.9%252.916.5%15.4%
12/31/1342.63.539.12.0%260.816.3%15.2%
3/31/1443.73.640.12.5%263.816.6%15.4%
6/30/1444.73.641.12.4%266.216.8%15.7%
9/30/1445.83.742.12.4%271.316.9%15.7%
12/31/1445.73.842.0-0.2%282.716.2%15.0%
3/31/1546.83.843.02.5%279.016.8%15.6%
6/30/1547.83.943.92.0%283.216.9%15.7%
9/30/1548.94.044.92.3%291.516.8%15.6%
12/31/1548.84.044.8-0.1%303.516.1%15.0%
3/31/1650.04.145.92.5%305.016.4%15.3%
Total Capital less Restricted41729418204191242004420944218542277423694246040.11200000000000241.11499999999999542.13200000000000541.95600000000000343.02799999999999943.89599999999999444.91400000000000144.79500000000000245.906999999999996Restricted Capital4172941820419124200442094421854227742369424603.5563.6213.68400000000000023.753.81599999999999983.88899999999999983.9644.03899999999999974.1360000000000001
41729418204191242004420944218542277423694246043.66799999999999944.73599999999999745.81600000000000345.70600000000000346.84400000000000147.78499999999999748.87848.83400000000000350.042999999999999% change(qtr-over-qtr)
4172941820419124200442094421854227742369424602.5046360414074792E-22.4457268480351697E-22.4141630901287677E-2-2.4009079797450545E-32.4898262810134294E-22.008795149859097E-22.2873286596212277E-2-9.0020049920203223E-42.4757341196707132E-2
Capital-to-Assets ratio
413644145541547416394172941820419124200442094421854227742369424600.160174541928445880.163320253546634490.165094115786143640.163358667392688140.165508145026189930.168045888067074070.168860845336203210.161657818507213530.167918299165857150.168736515379970560.167699966719389550.16090121020220560.1640829415120694
System Capital ($B)
Total Capital less Restricted
42004420944218542277423694246041.95600000000000343.02799999999999943.89599999999999444.91400000000000144.79500000000000245.906999999999996Restricted Capital
4200442094421854227742369424603.753.81599999999999983.88899999999999983.9644.03899999999999974.1360000000000001
42004420944218542277423694246045.70600000000000346.84400000000000147.78499999999999748.87848.83400000000000350.042999999999999
4200442094421854227742369424600.161657818507213530.167918299165857150.168736515379970560.167699966719389550.16090121020220560.1640829415120694
Restricted Capital
4136441455415474163941729418204191242004420944218542277423694246039.64399999999999840.58100000000000341.74900000000000242.60099999999999943.66799999999999944.73599999999999745.81600000000000345.70600000000000346.84400000000000147.78499999999999748.87848.83400000000000350.042999999999999Total Capital less Restricted4136441455415474163941729418204191242004420944218542277423694246036.29999999999999737.18500000000000238.30239.10499999999999740.11200000000000241.11499999999999542.13200000000000541.95600000000000343.02799999999999943.89599999999999444.91400000000000144.79500000000000245.906999999999996
413644145541547416394172941820419124200442094421854227742369424600.160174541928445880.163320253546634490.165094115786143640.163358667392688140.165508145026189930.168045888067074070.168860845336203210.161657818507213530.167918299165857150.168736515379970560.167699966719389550.16090121020220560.1640829415120694
CapitalPie
Preferred /Capital Stk$3,74310.4%
Restricted Capital$3,3929.4%
Additionalpaid-in-capital$4021.1%3,7319.810.4%
Surplus (a)$28,40379.0%3,3568.89.3%
35,940100.0%4011.11.1%
(991)-2.6-2.8%
29,44277.681.9%
35,93994.7100.0%
Preferred /Capital StkRestricted CapitalAdditionalpaid-in-capitalSurplus (a)3743339240228403
CapitaltoAssets
Current Qtr9/30/09Current Qtr12/31/09Date12/31/09
Total AssetsTotal Assets less Restrict. CapitalSystem CapitalRestricted CapitalSystem Capital less Restricted CapitalCapital-to-Assets(Capital less Restricted)-to-AssetsTotal AssetsTotal Assets less Restrict. CapitalSystem CapitalRestricted CapitalSystem Capital less Restricted Capitalcapital-to-assets (capital less restricted)-to-assetsTotal AssetsSystem CapitalRestricted CapitalTotal Assets less Restrict. CapitalSystem Capital less Restricted Capitalcapital-to-assets (capital less restricted)-to-assets
DateDateDate
Sep-02ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!Dec-06162.9160.624.42.322.115.013.613.8Dec-02110.617.11.8108.815.215.414.0
Sep-03ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!ERROR:#REF!Mar-07167.1164.825.22.422.915.113.713.9Dec-03116.918.92.0114.916.916.214.7
Sep-04121.3119.120.22.118.016.614.915.1Jun-07172.0169.625.92.523.515.113.713.9Dec-04124.921.42.2122.719.217.115.7
Sep-05135.4133.322.72.020.716.815.315.5Sep-07179.5177.026.62.524.114.813.413.6Dec-05139.922.82.1137.820.716.315.0
Sep-06154.7152.524.22.222.015.714.214.4Dec-07186.5183.926.42.623.814.212.813.0Dec-06162.924.42.3160.622.115.013.8
Sep-07179.5177.026.62.524.114.813.413.6Mar-08197.4194.826.82.724.113.612.212.4Dec-07186.526.42.6183.923.814.213.0
Sep-08207.5204.727.92.825.013.412.112.2Jun-08208.2205.527.22.724.513.111.811.9Dec-08214.427.12.9211.424.212.711.4
Sep-09215.3212.129.33.226.113.612.112.3Sep-08207.5204.727.92.825.013.412.112.2Dec-09215.530.03.3212.226.713.912.6
Dec-08214.4211.427.12.924.212.711.311.4
Mar-09214.9211.927.83.024.812.911.511.7
Jun-09216.1213.028.53.125.413.211.811.9
Sep-09215.3212.129.33.226.113.612.112.3
Dec-09215.5212.230.03.326.713.912.412.6
Capital-to-Assets
38260386253899039355397214008616.6195208445012616.76307410444508215.65117902575240414.8102965178785313.43628785506059513.6146374771812(Capital less Restricted)-to-Assets
38260386253899039355397214008614.85299575275246515.26414160442661414.20131347605750313.40708679400836612.06543474594646912.121718853787804
capital-to-assets
392633935539447395383962939721398133990339994400864017815.08233119634522814.8102965178785314.16940643922532113.58200412312648513.07851527419595113.43628785506059512.653893344156612.94710585344514813.20445670078288513.614637477181213.90486268721833(capital less restricted)-to-assets
392633935539447395383962939721398133990339994400864017813.65831826979523313.40708679400836612.7754745214560412.22805853421333711.7597621826180112.06543474594646911.29398702140861111.54912928956357411.76546797209009812.12171885378780412.378339993595009
capital-to-assets
39447395383962939721398133990339994400864017814.16940643922532113.58200412312648513.07851527419595113.43628785506059512.653893344156612.94710585344514813.20445670078288513.614637477181213.90486268721833(capital less restricted)-to-assets
39447395383962939721398133990339994400864017812.95607336335748412.39589216944800911.9169168925594112.23313303043627111.44969210832489811.71287250210026411.93724356145605512.30542889342619812.570227366992192
capital-to-assets
376213798638352387173908239447398134017815.41207624246477616.18817047923759817.13175810973167816.28039975408546915.00024560369387814.16940643922532112.653893344156613.90486268721833(capital less restricted)-to-assets
376213798638352387173908239447398134017813.98242776266450914.70473006503512715.67008460623053915.027861620617613.7762220339827612.95607336335748411.44969210832489812.570227366992192
EarningsQtrly_YTD
YTD 2012YTD 2011YTD 2010
Current Qtr3/31/1611QCurrent Qtr12/31/13Interest Income(227)107(215)
Qtrly System Net Income Provision for Loan Losses ($M)Net Charge-offs ($M)21QSum of Provision for Loan LossesYTD System Net Income ($M)Provision for Loan Losses ($M)Net Charge-offs ($M)Interest Expense276182458Year-to-date201020112012Change yr-over-yr
Date31QQuarterTotalDateNet Interest Income49289243Rate - Assets4.294.053.85(0.24)(0.20)
Mar-131,142221Q-1342QJun-0830Dec-062,379ERROR:#REF!4Q-06Provision for Loan Losses16782158Rate - Liab.1.721.401.130.320.27
Jun-131,104192Q-1352QSep-0861Dec-072,703ERROR:#REF!4Q-07Net after provision216371401Net Interest Spread2.572.652.720.080.07
Sep-131,253(32)3Q-1362QDec-08284Dec-082,916ERROR:#REF!4Q-08Noninterest Income / Expense(65)(49)8
Dec-131,141(40)4Q-1373QMar-09246Dec-092,850ERROR:#REF!4Q-09Other(18)(20)(22)
Mar-141,145(12)1Q-1483QJun-09228Dec-103,495ERROR:#REF!4Q-10Change in YTD Net Income133302387
Jun-141,196(23)2Q-1493QSep-09259Dec-113,940ERROR:#REF!4Q-11
Sep-141,228423Q-14104QDec-09192Dec-124,118ERROR:#REF!4Q-12
Dec-141,155334Q-14114QMar-10171Dec-134,640ERROR:#REF!4Q-13
Mar-151,132271Q-15124QJun-10145
Jun-151,141232Q-15Sep-10158YTD 2010YTD 2011YTD 2012
Sep-151,208373Q-15Dec-10193Total Earning Assets4.294.053.85(0.24)(0.20)
Dec-151,207194Q-15Mar-11108Total Interest-bearing Liab.1.721.401.130.320.27
Mar-161,157691Q-16Jun-11126Net Interest Spread2.572.652.720.080.07
Sep-11118Non-interest-bearing 0.210.170.15(0.04)(0.02)
Dec-1178Net Interest Margin2.782.822.870.040.05
Mar-123200
Jun-1235
Sep-12121
Dec-12125
Mar-1322
Jun-1319
Sep-13-32
Dec-13-40
Mar-14-12
Jun-14-23
Sep-1442
Dec-1433
Mar-1527
Jun-1523
Sep-1537
Dec-1519
Mar-1669
Grand Total2894
Full Year
Net Inc.Provisions
20124,118313
20134,640(31)
20144,72440
Provision for Loan Losses ($M)
394473981340178405434090841274416390000000YTD System Net Income ($M)
394473981340178405434090841274416392703291628503495394041184640
Total Earning AssetsYTD 2010YTD 2011YTD 20124.294.053.85Total Interest-bearing Liab.YTD 2010YTD 2011YTD 20121.721.41.129999999999999900
-0.24000000000000021-0.199999999999999730.320000000000000060.271Q-142Q-143Q-144Q-141Q-152Q-153Q-154Q-151Q-16114511961228115511321141120812071157
EarningsAnnual
Current Qtr12/31/1511Q
System Net Income Provision for Loan Losses21QDate
Date31QDec-05
42QDec-06
52QDec-07
62QDec-08
Dec-052,096ERROR:#REF!200573QDec-09
Dec-062,379ERROR:#REF!200683QDec-10
Dec-072,703ERROR:#REF!200793QDec-11
Dec-082,916ERROR:#REF!2008104QDec-12
Dec-092,850ERROR:#REF!2009114QDec-13
Dec-103,495ERROR:#REF!2010124QDec-14
Dec-113,940ERROR:#REF!2011Dec-15
Dec-124,118ERROR:#REF!2012Grand Total
Dec-134,640ERROR:#REF!2013
Dec-144,724ERROR:#REF!2014
Dec-154,688ERROR:#REF!2015
Year-to-date$ Change
(amounts in millions)20122011yr-over-yr
Interest Income6,4186,696(278)
Interest Expense(1,599)(2,000)401
Provision for Loan Losses(188)(352)164
Net Int. Income after Provisions4,6314,344287
Net Noninterest Income/(Exp)(1,272)(1,153)(119)
Provision for Income Taxes(201)(197)(4)
Net Income3,1582,994164
Provision for Loan Losses
20062007200820092010201120122013201420150000000000System Net Income
20062007200820092010201120122013201420152379270329162850349539404118464047244688
Nonaccruals(2)
UNINUMSHORTNAMESYSTEMDISTMONTHYEARNONNONACRGLOANITMASSETSColumn18000001780000017000000
722077Delta ACA722920114.031,43135,48536,5224.03%
724594Hawaii ACA724920110.8966474,50677,2910.89%
724642Central Oklahoma ACA724920111.131,267111,757114,3311.13%
720061Chattanooga ACA720920114.817,484155,744166,3024.81%
724646Enid ACA724920110.751,207159,995166,8850.75%
724631AgPreference, ACA724920111.101,843166,890173,3761.10%
710056Ag New Mexico, FCS, ACA710920117.7412,507161,491191,1337.74%
720060Puerto Rico ACA720920117.7214,491187,662192,9667.72%
824716Ness City, FLCA824920110.0477213,477221,0180.04%
724151Chisholm Trail ACA724920110.15320211,407223,1670.15%
710862Legacy Ag Credit, ACA7109201113.8331,034224,458226,00813.83%
724031Idaho ACA724920110.05109217,893228,6530.05%
723008Maine ACA723920110.391,025260,720277,1890.39%
710122AgriLand FCS710920110.852,199258,767280,0130.85%
724715Western Kansas ACA724920110.05150275,057286,3250.05%
720861Jackson Purchase ACA720920110.802,226277,106291,3690.80%
724466Colusa-Glenn ACA724920110.471,367289,420295,9200.47%
720040Central Kentucky ACA720920111.273,868303,749333,2241.27%
710551Heritage Land Bank, ACA710920115.5318,447333,713342,9155.53%
723026Yankee ACA723920111.635,424332,542346,3591.63%
720186Northwest Florida ACA7209201114.2550,769356,287374,19614.25%
710549Central Texas ACA710920110.381,423378,610387,3290.38%
720168Southwest Georgia ACA720920114.0712,670310,960387,3414.07%
810586Panhandle-Plains FLCA810920112.9611,330382,611389,2562.96%
710139Texas AgFinance FCS710920111.786,667375,147393,8731.78%
724710Western Oklahoma ACA724920110.07274385,377399,3610.07%
720188Central Florida ACA720920115.6619,092337,572403,5675.66%
710985Alabama ACA710920111.596,540410,381422,4751.59%
724400Northern California ACA724920110.04171418,657427,4400.04%
720131ArborOne, ACA720920114.5013,149292,018442,6984.50%
724488Premier ACA724920110.301,360449,665465,3290.30%
710119Great Plains Ag Credit, ACA710920114.3219,324447,122467,3604.32%
710973Mississippi Land Bank, ACA710920110.783,572459,660471,0650.78%
710659Texas Land Bank, ACA710920110.11528465,569474,7540.11%
724713High Plains ACA724920110.371,714459,763477,0700.37%
710150AgTexas FCS710920111.215,060417,949560,1801.21%
724417Southwest Kansas ACA724920110.965,187541,465563,1030.96%
722406Progressive FCS, ACA722920110.492,687551,547576,2180.49%
724980East Central Oklahoma ACA724920110.663,736562,890578,3670.66%
724247Western AgCredit, ACA724920110.573,285574,943598,8300.57%
824418Kingsburg FLCA824920110.774,735614,367628,6170.77%
720143Colonial ACA720920112.5916,342630,543648,7482.59%
722114Mandan ACA722920110.674,334648,443670,4120.67%
710990Alabama Ag Credit, ACA710920112.2715,472682,691697,7792.27%
710981Southern AgCredit, ACA710920111.006,603657,499721,2381.00%
722075North Dakota ACA722920110.543,799703,220721,7380.54%
710924Louisiana Land Bank, ACA710920116.1244,219722,361736,6586.12%
724940Southern Colorado ACA724920111.389,838712,032739,4681.38%
720105Cape Fear ACA720920114.0530,730757,990804,0874.05%
722313Western Arkansas ACA722920113.9031,787814,463837,1333.90%
722350AgHeritage ACA722920110.554,500810,826856,5890.55%
724676Fresno-Madera ACA724920110.121,002848,507867,7420.12%
722308Midsouth ACA722920111.4312,437871,347895,3101.43%
710739Lone Star, ACA710920119.8687,298885,085931,9919.86%
724333FCS Southwest ACA724920112.5323,501928,377959,1862.53%
720335AgCarolina ACA720920113.4233,041965,6991,036,7883.42%
720376Florida ACA7209201111.95117,725985,1161,078,92711.95%
724576The Mountain Plains ACA724920111.1912,4521,049,2841,087,6661.19%
720336AgGeorgia ACA720920115.4463,5841,169,5961,217,8565.44%
722643United ACA722920110.839,6781,162,9801,219,5570.83%
720899AG CREDIT ACA720920110.354,2531,202,0651,221,0890.35%
724947New Mexico ACA724920110.465,8641,275,2631,320,2120.46%
720331Carolina ACA720920113.3440,5041,212,3821,334,1673.34%
720181AgChoice ACA720920113.4744,9591,296,7411,338,0243.47%
724839Frontier ACA724920111.4218,5831,311,4951,364,1001.42%
720033First South ACA720920110.8411,0481,318,2131,425,8580.84%
720194FC of the Virginias ACA720920111.8627,4111,474,1401,541,6201.86%
724450Yosemite ACA724920110.629,2141,490,8311,611,5990.62%
720735AgSouth ACA720920111.9830,8041,555,3841,647,0551.98%
720164MidAtlantic ACA720920113.9787,6502,209,9962,261,1133.97%
722644FCS Financial, ACA722920111.4232,8702,308,1142,381,4971.42%
722146FCS of Illinois ACA722920110.5613,8292,481,6762,569,1080.56%
722344Badgerland ACA722920110.9624,6102,571,8562,685,2610.96%
722498AgCountry ACA722920111.0633,3253,138,3323,379,2251.06%
7225021st Farm Credit Services, ACA722920111.3141,4313,156,8703,560,7781.31%
723838Farm Credit East, ACA723920111.1247,9824,294,9624,439,4161.12%
724669American AgCredit, ACA724920111.7776,0574,308,6954,501,4701.77%
710566Capital Farm Credit, ACA710920113.25160,9644,947,9435,058,8363.25%
722012GreenStone ACA722920111.6784,6435,079,5225,335,6591.67%
722072AgStar ACA722920113.46174,8025,049,6885,758,6183.46%
724124Farm Credit West, ACA724920111.5687,5215,621,7726,164,3921.56%
723898Northwest FCS, ACA723920112.93247,5728,447,2488,739,0882.93%
722198FCS of America ACA722920110.81124,86415,439,68516,069,2390.81%
722825Mid-America ACA722920111.98288,59914,553,04316,834,2671.98%
Nonaccruals as a % of Gross Loans
Association Size: Less than $1.0B in Assets
Nonaccruals as a % of Gross Loans36522772911143311663021668851733761911331929662210182231672260082286532771892800132863252913692959203332243429153463593741963873293873413892563938733993614035674224754274404426984653294673604710654747544770705601805631035762185783675988306286176487486704126977797212387217387366587394688040878371338565898677428953104.0326899999999999E-28.9119999999999998E-31.1337099999999999E-24.8053199999999997E-27.5439999999999995E-31.10432E-27.7447000000000002E-27.7218599999999998E-23.6069999999999999E-41.5137E-30.138261899999999995.0020000000000002E-43.9313999999999998E-38.4980000000000003E-35.4529999999999997E-48.0330000000000002E-34.7232000000000003E-31.2734199999999999E-25.5278000000000001E-21.6310700000000001E-20.14249473.7585000000000001E-34.0744800000000005E-22.9612300000000001E-21.7771699999999998E-27.1099999999999994E-45.6556800000000004E-21.59364E-24.0840000000000001E-44.5027999999999999E-23.0244999999999998E-34.3218600000000003E-27.7710000000000001E-31.1340999999999999E-33.7280000000000004E-31.21067E-29.5796000000000006E-34.8717999999999999E-36.6371999999999994E-35.7136000000000001E-37.7070999999999997E-32.5917300000000001E-26.6836999999999999E-32.2663300000000001E-21.0042599999999999E-25.4022999999999996E-36.1214500000000005E-21.3816800000000001E-24.0541400000000005E-23.9028199999999999E-25.5499E-31.1808999999999999E-31.4273299999999999E-29.8632299999999992E-22.5314100000000003E-2
Nonaccruals as a % of Gross Loans4.03268999999999970.891199999999999991.133714.805320.754399999999999961.104327.74469999999999997.72186000000000043.6069999999999998E-20.1513713.826195.0020000000000002E-20.393139999999999990.84985.4530000000000002E-20.803300000000000010.472320000000000021.273425.52781.6310714.2494700000000010.375850000000000024.07448000000000032.961231.77716999999999997.1099999999999997E-25.65568000000000031.59363999999999994.0840000000000001E-24.50279999999999970.302454.321860.777100000000000010.113410.372800000000000021.21066999999999990.957960000000000030.487180.663719999999999980.571359999999999980.770710000000000012.59173000000000010.668370000000000022.266331.00425999999999990.540229999999999996.12145000000000031.381684.05414000000000033.90282000000000020.554989999999999980.118091.427339.86322999999999972.53141000000000023.421460000000000211.9503699999999993548574506111757155744159995166890161491187662213477211407224458217893260720258767275057277106289420303749333713332542356287378610310960382611375147385377337572410381418657292018449665447122459660465569459763417949541465551547562890574943614367630543648443682691657499703220722361712032757990814463810826848507871347885085928377965699985116Nonaccruals as a % of Gross Loans3548574506111757155744159995166890161491187662213477211407224458217893260720258767275057277106289420303749333713332542356287378610310960382611375147385377337572410381418657292018449665447122459660465569459763417949541465551547562890574943614367630543648443682691657499703220722361712032757990814463810826848507871347885085928377965699985116104928411695961162980120206512752631212382129674113114951318213147414014908311555384220999623081142481676257185631383323156870429496243086954947943507952250496885621772844724815439685145530434.03268999999999970.891199999999999991.133714.805320.754399999999999961.104327.74469999999999997.72186000000000043.6069999999999998E-20.1513713.826195.0020000000000002E-20.393139999999999990.84985.4530000000000002E-20.803300000000000010.472320000000000021.273425.52781.6310714.2494700000000010.375850000000000024.07448000000000032.961231.77716999999999997.1099999999999997E-25.65568000000000031.59363999999999994.0840000000000001E-24.50279999999999970.302454.321860.777100000000000010.113410.372800000000000021.21066999999999990.957960000000000030.487180.663719999999999980.571359999999999980.770710000000000012.59173000000000010.668370000000000022.266331.00425999999999990.540229999999999996.12145000000000031.381684.05414000000000033.90282000000000020.554989999999999980.118091.427339.86322999999999972.53141000000000023.421460000000000211.9503699999999991.18670999999999995.43641000000000040.832169999999999970.353810000000000010.459830000000000023.34086000000000023.46708000000000021.416930.838099999999999961.85945999999999990.618040000000000031.980483.96607000000000021.424110.557239999999999960.956899999999999971.06187000000000011.31241000000000011.117171.76520000000000013.25315000000000021.66636000000000013.46164000000000011.55682000000000012.93080000000000010.808719999999999991.98308
Nonaccruals as a % of Gross Loans
Association Size: Greater than $1.0B in Assets
Nonaccruals as a % of Gross Loans80408783713385658986774289531093199195918610367881078927108766612178561219557122108913202121334167133802413641001425858154162016115991647055226111323814972569108268526133792253560778443941645014705058836533565957586186164392873908816069239168342674.05414000000000033.90282000000000020.554989999999999980.118091.427339.86322999999999972.53141000000000023.421460000000000211.9503699999999991.18670999999999995.43641000000000040.832169999999999970.353810000000000010.459830000000000023.34086000000000023.46708000000000021.416930.838099999999999961.85945999999999990.618040000000000031.980483.96607000000000021.424110.557239999999999960.956899999999999971.06187000000000011.31241000000000011.117171.76520000000000013.25315000000000021.66636000000000013.46164000000000011.55682000000000012.93080000000000010.808719999999999991.98308
Creditquality
Quarterly changeBe sure to adjust column labels over one after update
Current Qtr3/31/16
Nonaccrual Loans Other nonperforming LoansTotal Nonperforming LoansNonperforming Loans / Total LoansAcceptable Loans / Total LoansCapital
Date
3/31/132,3923192,7111.41%
6/30/132,1833392,5221.31%
9/30/131,9283102,2381.15%45,8163.85%
12/31/131,7363042,0401.01%45,7063.80%
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