34  BALANCE SHEET STRUCTURE
Rural and Cooperative Banking System
as of end of periods indicated
in percent
Major Accounts		2003					2004
		Mar	June	Sept	Dec		Mar	June	Sept	Dec
Total Rural and 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	18.6	18.7	18.1	19.8		20.2	20.3	17.6	18.1
	Loans (net)	59.1	59.4	59.9	59.4		58.2	57.5	59.8	60.1
	Investments (net)	5.3	5.2	5.2	5.1		5.8	6.5	6.7	5.9
	Other assets	17.0	16.6	16.7	15.7		15.8	15.7	15.8	15.9
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	68.8	69.3	69.1	69.3		70.6	71.3	70.4	70.1
	Bills Payable	9.5	9.1	9.3	8.9		7.7	7.5	7.9	8.6
	Special Financing	0.2	0.2	0.2	0.2		0.2	0.2	0.2	0.2
	Other Liabilities	5.4	5.5	5.7	5.6		5.6	5.4	5.7	5.4
	Capital accounts	16.1	15.8	15.8	16.0		15.9	15.7	15.9	15.8
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	18.8	19.1	18.5	20.2		20.5	20.7	17.9	18.5
	Loans (net)	58.4	58.7	59.2	58.7		57.5	56.7	59.1	59.4
	Investments (net)	5.4	5.3	5.3	5.2		5.9	6.7	6.9	6.0
	Other assets	17.4	17.0	17.0	15.9		16.1	16.0	16.2	16.1
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	69.7	70.2	69.9	70.1		71.3	72.1	71.2	70.9
	Bills Payable	8.7	8.3	8.5	8.2		7.1	6.8	7.1	7.8
	Special Financing	0.2	0.2	0.2	0.2		0.1	0.1	0.1	0.2
	Other Liabilities	5.3	5.5	5.7	5.6		5.6	5.4	5.7	5.4
	Capital accounts	16.1	15.8	15.8	16.0		15.9	15.6	15.8	15.7
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	14.7	13.4	13.0	14.7		14.8	15.7	14.4	14.6
	Loans (net)	69.0	70.5	70.8	69.9		69.8	69.2	70.7	70.7
	Investments (net)	4.3	3.9	4.2	3.7		3.9	3.9	3.8	3.5
	Other assets	12.0	12.1	12.0	11.7		11.5	11.2	11.0	11.2
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	56.2	56.8	57.0	57.9		59.7	59.9	58.5	58.1
	Bills Payable	21.1	20.1	19.8	19.1		17.4	17.5	18.5	19.5
	Special Financing	0.8	0.8	0.7	0.7		0.7	0.7	0.7	0.6
	Other Liabilities	6.0	6.0	5.8	5.3		5.3	5.0	5.1	4.7
	Capital accounts	15.8	16.3	16.7	16.9		17.0	17.0	17.2	17.1
Source: Supervisory Data Center, Supervision and Examination Sector
Updated as of 29 December 2005