In 1992, the nation's 3,886 agricultural banks reported an ROA of 1.24%, an ROI of 13%, an equity capital ratio of 9.6%, assets, of $168.1 billion, liabilities of $152 billion, net interest margin of 40.8%, interest income of $6.7 billion, and noninterest income of 0.64% of assets. Loan demand increased, especially for real estate loans, while problem assets declined.