Table II

Descriptive statistics, 2008–2017

MeanSDNo. of observation
Panel A: All US banks
Bank size ($ millions)540.1371,560.28436,527
Agricultural loan volume ($ millions)23.95438.39136,527
Ag loan/total loan0.1690.19136,527
Bank ROA (net income/total assets)0.0080.00836,527
Bank risk (non-accrual loan/total gross loans)0.0150.01836,527
Capital ratio (Tier 1 capital/risk-adjusted assets)0.1600.06236,527
Leverage ratio (Tier 1 capital/total assets)0.1030.02636,527
Panel B: US agricultural banks
Bank size ($ millions)174.404170.2029,760
Agricultural loan volume ($ millions)46.64947.1599,760
Ag Loan/total loan0.4430.1429,760
Bank ROA (net income/total assets)0.0100.0069,760
Bank risk (non-accrual loan/total gross loans)0.0110.0149,760
Capital ratio (Tier 1 capital/risk-adjusted assets)0.1610.0639,760
Leverage ratio (Tier 1 capital/total assets)0.1040.0269,760

Notes: This table reports descriptive statistics for the final sample from 2008 to 2017. Panels A and B report summary statistics for all US banks and US agricultural banks, respectively. Agricultural banks are those with more than 25 percent of loans being agricultural loans

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