34  BALANCE SHEET STRUCTURE
            Rural and Cooperative Banking System
           as of end of periods indicated  
           in percent  
                       
Major Accounts 1999   2000  
Mar June Sept Dec   Mar June Sept Dec  
Total Rural and Cooperative Banks                    
   Total Assets 100.0 1100.0 1100.0 1100.0   1100.0 1100.0 1100.0 1100.0  
                       
  Cash and due from banks 15.7 16.2 16.2 16.4   17.7 17.7 16.7 17.8  
  Loans (net) 68.2 67.5 66.9 66.2   64.1 63.2 62.8 61.5  
  Investments (net) 2.7 2.7 2.9 2.3   3.3 3.6 4.0 4.0  
  Other assets 13.5 13.6 14.0 15.1   14.9 15.6 16.4 16.7  
                       
   Total Liabilities and Capital 100.0 100.0 100.0 100.0   100.0 100.0 100.0 100.0  
                       
  Deposits 62.7 63.6 62.7 59.4   63.1 63.9 63.5 63.5  
  Bills Payable 12.5 12.4 12.7 14.8   11.7 11.0 12.2 13.2  
  Special Financing 0.5 0.5 0.4 0.5   0.4 0.4 0.5 0.4  
  Other Liabilities 8.6 8.2 8.1 9.0   8.7 8.3 7.0 6.4  
  Capital accounts 15.7 15.3 16.0 16.3   16.1 16.3 16.8 16.6  
                       
Rural Banks                    
   Total Assets 100.0 100.0 100.0 100.0   100.0 100.0 100.0 100.0  
                       
  Cash and due from banks 16.2 16.7 16.7 16.9   18.3 18.3 17.3 18.5  
  Loans (net) 67.6 66.9 66.4 65.6   63.3 62.3 61.9 60.5  
  Investments (net) 2.7 2.8 2.9 2.3   3.4 3.7 4.1 4.1  
  Other assets 13.5 13.6 14.0 15.1   15.0 15.6 16.6 16.9  
                       
   Total Liabilities and Capital 100.0 100.0 100.0 100.0   100.0 100.0 100.0 100.0  
                       
  Deposits 64.4 65.3 64.4 61.1   64.9 65.6 65.2 65.1  
  Bills Payable 11.1 10.9 11.3 13.9   10.7 9.7 10.6 11.5  
  Special Financing 0.4 0.4 0.3 0.4   0.3 0.3 0.4 0.3  
  Other Liabilities 8.2 7.7 7.6 7.9   7.5 7.5 6.6 6.1  
  Capital accounts 16.0 15.7 16.4 16.8   16.6 16.9 17.2 17.0  
                       
Cooperative Banks                    
   Total Assets 100.0 100.0 100.0 100.0   100.0 100.0 100.0 100.0  
                       
  Cash and due from banks 8.6 9.7 10.4 9.5   10.7 10.2 9.4 9.6  
  Loans (net) 76.3 75.0 73.1 73.9   73.0 72.9 73.2 73.1  
  Investments (net) 2.0 2.1 2.2 1.9   2.0 2.4 2.4 2.5  
  Other assets 13.1 13.1 14.3 14.7   14.3 14.5 15.0 14.8  
                       
   Total Liabilities and Capital 100.0 100.0 100.0 100.0   100.0 100.0 100.0 100.0  
                       
  Deposits 41.0 42.2 41.9 39.2   42.5 43.7 43.3 43.9  
  Bills Payable 31.2 30.3 30.2 26.0   23.3 26.0 31.6 33.1  
  Special Financing 2.0 1.8 1.7 1.7   1.7 1.6 1.3 1.2  
  Other Liabilities 13.3 14.8 14.5 22.0   22.4 18.6 12.1 10.1  
  Capital accounts 12.5 10.9 11.8 11.1   10.0 10.1 11.8 11.7  
   
Source: Supervisory Reports and Studies Office, Supervision and Examination Sector  
Updated as of 12 March 2004