Farmers Home Administration: Farm Loans to Delinquent Borrowers (Fact
Sheet, 02/08/94, GAO/RCED-94-94FS).

As of September 1993, the Farmers Home Administration's (FmHA)
outstanding direct and guaranteed loans to American farmers totaled
nearly $19 billion; about 29 percent of this, or $5.4 billion, was held
by delinquent borrowers who were behind on their loan payments.  During
fiscal years 1991-93, FmHA lost $5 billion by reducing the delinquent
debt of direct loan borrowers and paid losses on guaranteed loans of
about $160 million.  During this same period, FmHA made about $55
million in new direct loans to 936 borrowers after it had reduced or
forgiven about $133 on their previous loans.  As of September 1993,
about 21 percent of these borrowers were delinquent on their new loans.
FmHA also made about $60 million in new guaranteed loans to 408
borrowers during fiscal years 1991-93 after it had lost $67 million on
their previous guaranteed and direct loans.  As of September 1993, about
four percent of these borrowers were delinquent on their new guaranteed
loans.  FmHA loaned another $90 million during fiscal years 1991-93
under a policy that allows delinquent borrowers to obtain new direct
loans for operating expenses.

--------------------------- Indexing Terms -----------------------------

 REPORTNUM:  RCED-94-94FS
     TITLE:  Farmers Home Administration: Farm Loans to Delinquent 
             Borrowers
      DATE:  02/08/94
   SUBJECT:  Farm credit
             Loan defaults
             Direct loans
             Government guaranteed loans
             Risk management
             Cost accounting standards compliance
             Agricultural programs
             Delinquent loans
             Program abuses
IDENTIFIER:  FmHA Guaranteed Farm Loan Program
             
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Cover
================================================================ COVER


Fact Sheet for the Honorable
Robert L.  Livingston, House of Representatives

February 1994

FARMERS HOME ADMINISTRATION - FARM
LOANS TO DELINQUENT BORROWERS

GAO/RCED-94-94FS

FmHA Farm Loans


Abbreviations
=============================================================== ABBREV

  FmHA - Farmers Home Administration
  GAO - General Accounting Office

Letter
=============================================================== LETTER


B-255922

February 8, 1994

The Honorable Robert L.  Livingston
House of Representatives

Dear Mr.  Livingston: 

This fact sheet responds to your August 5, 1993, request for selected
statistical information on the Farmers Home Administration's (FmHA)
direct and guaranteed farm loan programs.  In particular, you asked
for data describing the (1) levels of outstanding debt,
delinquencies, and losses on farm loans and (2) extent to which FmHA
approved direct and/or guaranteed loans to previously or currently
delinquent borrowers. 

In summary, we found the following: 


      OUTSTANDING DEBT,
      DELINQUENCIES, AND LOSSES
---------------------------------------------------------- Letter :0.1

  As of September 30, 1993, FmHA's outstanding direct and guaranteed
     loans to the nation's farmers totaled $18.8 billion. 

  Of this amount, $5.4 billion, or about 29 percent, was held by
     delinquent borrowers; that is, borrowers who are past due on
     their loan payments. 

  In addition, during fiscal years 1991-93, FmHA lost $5 billion by
     reducing the delinquent debt of direct loan borrowers and paid
     losses on guaranteed loans of about $160 million. 


      NEW LOANS TO DELINQUENT
      BORROWERS
---------------------------------------------------------- Letter :0.2

  During fiscal years 1991-93, FmHA made about $55 million in new
     direct loans to 936 borrowers after it had reduced or forgiven
     about $133 million on their previous direct loans.  As of
     September 1993, about 21 percent of these borrowers were
     delinquent on the new direct loans. 

  In the same period, FmHA made about $60 million in new guaranteed
     loans to 408 borrowers after it had incurred about $67 million
     of losses on their previous guaranteed and direct loans.  As of
     September 1993, about 4 percent of these borrowers were
     delinquent on the new guaranteed loans. 

  FmHA made an additional $90 million in loans during fiscal years
     1991-93 under a policy that allows delinquent borrowers to
     obtain new direct loans for operating expenses. 

Section 1 of this fact sheet contains information on FmHA's total
outstanding and delinquent debt and losses on direct and guaranteed
loans.  Section 2 contains information on the agency's direct and
guaranteed loans to borrowers who had defaulted on previous loans. 
Additionally, as you requested, appendixes I through V break down the
information presented in sections 1 and 2 on a state-by-state basis. 


---------------------------------------------------------- Letter :0.3

To prepare this fact sheet, we analyzed information from computerized
data bases in FmHA's St.  Louis Finance Office and from various FmHA
financial reports.\1 We did not verify the accuracy of the
information contained in the agency's data bases or reports.  Our
work was performed from October 1993 through January 1994. 

FmHA officials reviewed a draft of this fact sheet for technical
accuracy.  However, as requested by your office, we did not obtain
written agency comments. 

As arranged with your office, we are sending copies of this fact
sheet to the appropriate Senate and House committees; interested
Members of Congress; the Secretary of Agriculture; the Administrator
of FmHA; the Director, Office of Management and Budget; and other
interested parties.  We will make copies available to others upon
request. 

Please contact me at (202) 512-5138 if you or your staff have any
questions.  Major contributors to this fact sheet are listed in
appendix VI. 

Sincerely yours,

John W.  Harman
Director, Food and
 Agriculture Issues


--------------------
\1 The information contained in this fact sheet is an update of
information we reported in Farmers Home Administration's Farm Loan
Programs (GAO/HR-93-1, Dec.  1992) and in Farmers Home
Administration:  Billions of Dollars in Farm Loans Are at Risk
(GAO/RCED-92-86, Apr.  3, 1992). 


OUTSTANDING AND DELINQUENT DEBT
AND LOSSES
============================================================ Chapter 1

This section discusses FmHA's total outstanding and delinquent debt
and the losses that FmHA has incurred on direct and guaranteed loans. 
The amount of debt held by borrowers who were delinquent on direct
and guaranteed farm loans continues to be a significant portion of
FmHA's total outstanding debt--$5.4 billion, as of September 30,
1993.  Also, FmHA's losses in the direct and guaranteed loan programs
totaled $5.2 billion during fiscal years 1991-93. 


      TOTAL OUTSTANDING AND
      DELINQUENT DEBT
-------------------------------------------------------- Chapter 1:0.1

As table 1.1 shows, as of September 30, 1993, the total outstanding
principal on FmHA's farm loans was about $18.8 billion, of which 28.8
percent was held by delinquent borrowers. 



                                    Table 1.1
                     
                     Outstanding Principal and Amount Owed by
                      Delinquent Borrowers, by Loan Type, as
                              of September 30, 1993

                              (Dollars in billions)


Lo
an                                                                    Percentage
ty                 Number of                 Number of   Percentage           of
pe       Amount    borrowers       Amount    borrowers      of debt    borrowers
--  -----------  -----------  -----------  -----------  -----------  -----------
Di        $13.8      137,977         $5.2       30,806         37.6         22.3
 r
 e
 c
 t
Gu          5.0       35,857          0.2        1,840          4.8          5.1
 a
 r
 a
 n
 t
 e
 e
 d
To        $18.8      173,834         $5.4       32,646         28.8         18.8
 t
 a
 l
 \
 b
--------------------------------------------------------------------------------
Note:  See appendix I for a state-by-state breakdown of the
information in this table. 

\a Percentages are based on whole numbers. 

\b The total number of borrowers may include some borrowers who are
counted more than once because they have both direct and guaranteed
loans. 

Source:  GAO's analysis of FmHA Finance Office records. 


      DIRECT AND GUARANTEED LOAN
      LOSSES
-------------------------------------------------------- Chapter 1:0.2

When borrowers experience trouble repaying their loans, FmHA's direct
loan policies provide various types of relief assistance that result
in losses.  This assistance includes two debt-relief options mandated
by the Agricultural Credit Act of 1987 (P.L.  100-233, Jan.  6,
1988):  reducing borrowers' debts so that the borrowers can maintain
viable farming operations--referred to as restructuring with
write-down, and satisfying debts entirely by allowing borrowers to
pay an adjusted amount based on the value of collateral security that
is less than the outstanding debt--referred to as net recovery value
buy-out with write-off.  FmHA also has a third option when one of
these two approaches does not resolve a borrower's delinquency:  debt
settling with borrowers who are generally no longer farming by
writing off part or all of the unpaid loans. 

FmHA also incurs losses as a result of guaranteeing farm loans. 
Specifically, FmHA agrees, if a borrower defaults, to reimburse a
commercial lender for up to 90 percent of the lost principal, accrued
interest, and liquidation costs. 

As table 1.2 shows, FmHA incurred losses of about $5.2 billion during
fiscal years 1991-93--about $5 billion on direct loans and about $160
million on guaranteed loans.  According to FmHA officials, some of
the agency's losses in recent years involve loans that were made many
years ago. 



                          Table 1.2
           
              FmHA's Direct Loan Debt Relief and
             Guaranteed Loan Losses, Fiscal Years
                           1991-93

                    (Dollars in billions)

                                       Amount of
                                            debt   Number of
Loan type                                 relief   borrowers
------------------------------------  ----------  ----------
Direct
Restructured with write-down                $0.4       2,722
Net recovery value buy-out with
 write-off                                   0.6       3,047
Debt settled with write-off                  4.0      20,582
============================================================
Subtotal                                    $5.0      26,351
Guaranteed (payments on loss claims)         0.2       2,168
============================================================
Total\a                                     $5.2      28,519
------------------------------------------------------------
Note:  See appendix II for a state-by-state breakdown of the
information in this table. 

\a The total number of borrowers may include some borrowers who are
counted more than once because they received more than one type of
loan-servicing action. 

Source:  GAO's analysis of FmHA Finance Office records. 


DIRECT AND GUARANTEED LOANS TO
DELINQUENT BORROWERS
============================================================ Chapter 2

This section discusses FmHA's direct and guaranteed loans to
borrowers who have been or currently are delinquent. 


      BORROWERS WHO RECEIVED
      ADDITIONAL DIRECT LOANS
      AFTER DEBT RELIEF
-------------------------------------------------------- Chapter 2:0.1

Borrowers who received debt relief under the debt-servicing
provisions of the Agricultural Credit Act of 1987 are not barred from
obtaining additional direct farm loans.  Many borrowers who obtained
additional direct loans after having received debt relief became
delinquent again.  As table 2.1 shows, 199 such borrowers who
received new loans in fiscal years 1991-93 were again delinquent in
September 1993. 



                          Table 2.1
           
           Borrowers Who Became Delinquent Again on
            New Direct Loans, Fiscal Years 1991-93

                    (Dollars in millions)

                                                      Number
                                                          of
                                                    borrower
                        Number    Amount                   s
                            of    of new    Amount  delinque
Action on borrower's  borrower    direct   of debt        nt
previous loan                s     loans    relief   again\a
--------------------  --------  --------  --------  --------
Restructured with          917     $53.1    $130.2       194
 debt write-down
Net recovery value          19       1.8       2.5         5
 buy-out with debt
 write-off
============================================================
Total                      936     $54.9    $132.7       199
------------------------------------------------------------
Note:  See appendix III for a state-by-state breakdown of the
information in this table. 

\a Delinquent as of September 30, 1993. 

Source:  GAO's analysis of FmHA Finance Office records. 


      BORROWERS WHO PREVIOUSLY
      DEFAULTED RECEIVED NEW
      GUARANTEED LOANS
-------------------------------------------------------- Chapter 2:0.2

Borrowers who have previously defaulted on guaranteed or direct loans
are also allowed to receive new guaranteed loans.  As shown in table
2.2, we identified 408 borrowers who received new guaranteed loans
during fiscal years 1991-93 after FmHA had incurred losses on their
previous loans. 



                          Table 2.2
           
            Borrowers Who Received New Guaranteed
              Loans After Defaulting on Previous
             Guaranteed and Direct Loans, Fiscal
                        Years 1991-93

                    (Dollars in millions)

                                                      Number
                                                          of
                                                    borrower
                        Number    Amount    Amount         s
                            of    of new        of  delinque
Action on borrower's  borrower  guarante    FmHA's        nt
previous loan                s  ed loans    loss\a   again\b
--------------------  --------  --------  --------  --------
Loss on previous
 guaranteed loan            36      $6.7      $2.9         2
Restructured with
 debt write-down           309      41.5      49.6        10
Net recovery value          63      11.4      14.6         4
 buy-out with debt
 write-off
============================================================
Total                      408     $59.6     $67.1        16
------------------------------------------------------------
Note:  See appendix IV for a state-by-state breakdown of the
information in this table. 

\a These losses result from payments to commercial lenders on
guaranteed loans or debt relief provided on direct loans. 

\b Delinquent as of September 30, 1993. 

Source:  GAO's analysis of FmHA Finance Office records. 


      CONTINUATION LOANS
-------------------------------------------------------- Chapter 2:0.3

Under FmHA's continuation policy, borrowers can obtain new FmHA
direct loans while they are delinquent on their existing FmHA debt. 
The purposes of the policy, which was initially established in 1982,
were to continue lending money to financially stressed borrowers
until economic conditions improved and to slow the number of
liquidation cases.  Following GAO's disclosure that many unsound
loans were being made, FmHA rescinded the policy in 1985.  However,
the Congress directed FmHA to reinstate the continuation policy in
1987 (P.L.  100-71, July 11, 1987).  FmHA made continuation loans
totaling $90 million to 1,458 delinquent borrowers during fiscal
years 1991-93.  See appendix V for a state-by-state breakdown of this
information. 


OUTSTANDING DIRECT AND GUARANTEED
LOANS OWED BY DELINQUENT BORROWERS
=========================================================== Appendix I



                                    Table I.1
                     
                       Amount and Percentage of Outstanding
                         Direct Loans Owed by Delinquent
                     Borrowers, by State, as of September 30,
                                       1993

                              (Dollars in millions)


St                                                                    Percentage
at                 Number of                 Number of   Percentage           of
e        Amount    borrowers       Amount    borrowers      of debt    borrowers
--  -----------  -----------  -----------  -----------  -----------  -----------
Al       $141.7        2,627        $24.2          205         17.1          7.8
 a
 b
 a
 m
 a
Al          0.5            6          0.3            3         60.0         50.0
 a
 s
 k
 a
Ar        145.6          596        110.8          288         76.1         48.3
 i
 z
 o
 n
 a
Ar        431.1        5,191        184.8        1,161         42.9         22.4
 k
 a
 n
 s
 a
 s
Ca        585.1        2,210        371.5          752         63.5         34.0
 l
 i
 f
 o
 r
 n
 i
 a
Co        148.2        1,304         49.3          258         33.3         19.8
 l
 o
 r
 a
 d
 o
Co         17.4          154          7.0           44         40.2         28.6
 n
 n
 e
 c
 t
 i
 c
 u
 t
De         12.3          133          2.0           13         16.3          9.8
 l
 a
 w
 a
 r
 e
Fl        213.9        1,593        135.3          592         63.3         37.2
 o
 r
 i
 d
 a
Ge        357.0        2,823        189.1          885         53.0         31.3
 o
 r
 g
 i
 a
Ha         40.3          309         16.7           88         41.4         28.5
 w
 a
 i
 i
Id        284.6        2,496        111.5          634         39.2         25.4
 a
 h
 o
Il        415.6        5,098         79.3          614         19.1         12.0
 l
 i
 n
 o
 i
 s
In        322.4        2,795        103.0          618         31.9         22.1
 d
 i
 a
 n
 a
Io        602.3        6,844        100.9          804         16.8         11.7
 wa
Ka        351.0        4,693         70.6          672         20.1         14.3
 n
 s
 a
 s
Ke        342.8        4,920         55.5          426         16.2          8.7
 n
 t
 u
 c
 k
 y
Lo        436.0        4,116        308.0        2,173         70.6         52.8
 u
 i
 s
 i
 a
 n
 a
Ma        105.1          933         33.1          221         31.5         23.7
 i
 n
 e
Ma         44.7          428         11.1           95         24.8         22.2
 r
 y
 l
 a
 n
 d
Ma         40.2          348          7.6           61         18.9         17.5
 s
 s
 a
 c
 h
 u
 s
 e
 t
 t
 s
Mi        333.3        2,770        108.1          644         32.4         23.2
 c
 h
 i
 g
 a
 n
Mi        491.1        5,091        137.6          981         28.0         19.3
 n
 n
 e
 s
 o
 t
 a
Mi        585.0        6,027        374.0        1,879         63.9         31.2
 s
 s
 i
 s
 s
 i
 p
 p
 i
Mi        462.9        5,532        110.2          868         23.8         15.7
 s
 s
 o
 u
 r
 i
Mo        347.5        2,385        125.8          556         36.2         23.3
 n
 t
 a
 n
 a
Ne        459.9        4,802        113.2          779         24.6         16.2
 b
 r
 a
 s
 k
 a
Ne         26.8          215         10.1           62         37.7         28.8
 v
 a
 d
 a
Ne         12.6          118          1.3           12         10.3         10.2
 w
 H
 a
 m
 p
 s
 h
 i
 r
 e
Ne         61.7          454         24.4          149         39.5         32.8
 w
 J
 e
 r
 s
 e
 y
Ne         98.2          936         41.4          211         42.2         22.5
 w
 M
 e
 x
 i
 c
 o
Ne        366.7        3,383        152.1        1,018         41.5         30.1
 w
 Y
 o
 r
 k
No        266.2        3,660         93.6          703         35.2         19.2
 r
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
No        593.4        5,386        171.0        1,080         28.8         20.1
 r
 t
 h
 D
 a
 k
 o
 t
 a
Oh        254.8        2,088        107.1          637         42.0         30.5
 io
Ok        560.3        6,107        234.8        1,484         41.9         24.3
 l
 a
 h
 o
 m
 a
Or        165.9        1,279         52.8          289         31.8         22.6
 e
 g
 o
 n
Pe        243.9        2,122         36.1          246         14.8         11.6
 n
 n
 s
 y
 l
 v
 a
 n
 i
 a
Rh          5.3           40          1.4            9         26.4         22.5
 o
 d
 e
 I
 s
 l
 a
 n
 d
So        193.8        1,932         98.4          488         50.8         25.3
 u
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
So        597.7        6,589        164.5        1,042         27.5         15.8
 u
 t
 h
 D
 a
 k
 o
 t
 a
Te        322.1        4,172        118.2          772         36.7         18.5
 n
 n
 e
 s
 s
 e
 e
Te      1,051.9        9,291        570.4        3,432         54.2         36.9
 x
 a
 s
Ut         93.5        1,187         12.6          106         13.5          8.9
 ah
Ve         54.6          520          7.5           55         13.7         10.6
 r
 m
 o
 n
 t
Vi        175.3        1,904         80.9          516         46.1         27.1
 r
 g
 i
 n
 i
 a
Wa        187.3        1,405         55.3          264         29.5         18.8
 s
 h
 i
 n
 g
 t
 o
 n
We         66.2        1,104         17.7          158         26.7         14.3
 st
 V
 i
 r
 g
 i
 n
 i
 a
Wi        460.7        4,610        120.4          978         26.1         21.2
 s
 c
 o
 n
 s
 i
 n
Wy         61.9          528         12.1           70         19.5         13.3
 o
 m
 i
 n
 g
Ot        137.0        2,723         54.6          711         39.9         26.1
 h
 e
 r
 \
 a
--------------------------------------------------------------------------------
\a Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 




                                    Table I.2
                     
                       Amount and Percentage of Outstanding
                       Guaranteed Loans Owed by Delinquent
                     Borrowers, by State, as of September 30,
                                       1993

                              (Dollars in millions)


St                                                                    Percentage
at                 Number of                 Number of   Percentage           of
e        Amount    borrowers       Amount    borrowers      of debt    borrowers
--  -----------  -----------  -----------  -----------  -----------  -----------
Al        $34.4          256         $0.2            3          0.6          1.2
 a
 b
 a
 m
 a
Al            0            0            0            0          0.0          0.0
 a
 s
 k
 a
Ar          6.2           26          0.2            1          3.2          3.8
 i
 z
 o
 n
 a
Ar        108.7          792          2.9           27          2.7          3.4
 k
 a
 n
 s
 a
 s
Ca         59.2          359          3.5           19          5.9          5.3
 l
 i
 f
 o
 r
 n
 i
 a
Co         92.7          488          4.4           28          4.7          5.7
 l
 o
 r
 a
 d
 o
Co          5.8           31          0.1            3          1.7          9.7
 n
 n
 e
 c
 t
 i
 c
 u
 t
De         10.1           66          0.2            1          2.0          1.5
 l
 a
 w
 a
 r
 e
Fl         31.3          177          2.9           14          9.3          7.9
 o
 r
 i
 d
 a
Ge        105.2          736          2.1           24          2.0          3.3
 o
 r
 g
 i
 a
Ha          0.4            1            0            0          0.0          0.0
 w
 a
 i
 i
Id         72.6          434          6.2           32          8.5          7.4
 a
 h
 o
Il        238.2        1,846         10.5           83          4.4          4.5
 l
 i
 n
 o
 i
 s
In        104.3          686          3.7           26          3.5          3.8
 d
 i
 a
 n
 a
Io        462.4        4,102         15.1          136          3.3          3.3
 wa
Ka        229.9        1,692         14.9          127          6.5          7.5
 n
 s
 a
 s
Ke         92.9          878          2.5           27          2.7          3.1
 n
 t
 u
 c
 k
 y
Lo        177.1        1,745          7.4           82          4.2          4.7
 u
 i
 s
 i
 a
 n
 a
Ma          8.4           60          2.1            8         25.0         13.3
 i
 n
 e
Ma         20.6          140          0.7            4          3.4          2.9
 r
 y
 l
 a
 n
 d
Ma         14.8           64          1.2            4          8.1          6.3
 s
 s
 a
 c
 h
 u
 s
 e
 t
 t
 s
Mi        186.5        1,040          7.6           65          4.1          6.3
 c
 h
 i
 g
 a
 n
Mi        270.4        2,053         12.0          120          4.4          5.8
 n
 n
 e
 s
 o
 t
 a
Mi        160.6          830          5.5           37          3.4          4.5
 s
 s
 i
 s
 s
 i
 p
 p
 i
Mi        139.5        1,054          2.7           33          1.9          3.1
 s
 s
 o
 u
 r
 i
Mo         91.5          572          5.7           31          6.2          5.4
 n
 t
 a
 n
 a
Ne        287.3        2,129         15.0          123          5.2          5.8
 b
 r
 a
 s
 k
 a
Ne          5.7           33           \a            1          0.7          3.0
 v
 a
 d
 a
Ne          4.0           21          0.3            1          7.5          4.8
 w
 H
 a
 m
 p
 s
 h
 i
 r
 e
Ne          8.7           42          2.2            6         25.3         14.3
 w
 J
 e
 r
 s
 e
 y
Ne         40.7          194          3.3           20          8.1         10.3
 w
 M
 e
 x
 i
 c
 o
Ne         78.8          469          2.2           20          2.8          4.3
 w
 Y
 o
 r
 k
No         99.5          768          0.8            8          0.8          1.0
 r
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
No        158.8        1,154         11.2           87          7.1          7.5
 r
 t
 h
 D
 a
 k
 o
 t
 a
Oh         70.9          507          3.5           30          4.9          5.9
 io
Ok        223.6        1,254         18.7          117          8.4          9.3
 l
 a
 h
 o
 m
 a
Or         30.6          179          2.8           15          9.2          8.4
 e
 g
 o
 n
Pe         79.6          429          3.6           20          4.5          4.7
 n
 n
 s
 y
 l
 v
 a
 n
 i
 a
Rh          0.5            3          0.3            1         60.0         33.3
 o
 d
 e
 I
 s
 l
 a
 n
 d
So         35.7          278          1.4           11          3.9          4.0
 u
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
So        185.8        1,634         11.8           86          6.4          5.3
 u
 t
 h
 D
 a
 k
 o
 t
 a
Te         53.8          527          3.6           25          6.7          4.7
 n
 n
 e
 s
 s
 e
 e
Te        325.2        2,193         17.3          133          5.3          6.1
 x
 a
 s
Ut         30.0          182          1.3            7          4.3          3.8
 ah
Ve         49.4          343          5.8           49         11.7         14.3
 r
 m
 o
 n
 t
Vi         31.7          200          1.1            3          3.5          1.5
 r
 g
 i
 n
 i
 a
Wa         67.7          387          2.5           19          3.7          4.9
 s
 h
 i
 n
 g
 t
 o
 n
We         29.0          185          0.6            2          2.1          1.1
 st
 V
 i
 r
 g
 i
 n
 i
 a
Wi        371.9        2,250         15.5          105          4.2          4.7
 s
 c
 o
 n
 s
 i
 n
Wy         43.3          295          2.7           16          6.2          5.4
 o
 m
 i
 n
 g
Ot          8.8           73            0            0          0.0          0.0
 h
 e
 r
 \
 b
--------------------------------------------------------------------------------
\a Less than $50,000. 

\b Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 


DEBT RELIEF ON DIRECT LOANS AND
LOSS PAYMENTS ON GUARANTEED LOANS
========================================================== Appendix II



                                   Table II. 1
                     
                     Debt Relief Provided on Direct Loans, by
                           State, Fiscal Years 1991-93

                              (Dollars in millions)


St
at                 Number of                 Number of                 Number of
e        Amount    borrowers       Amount    borrowers       Amount    borrowers
--  -----------  -----------  -----------  -----------  -----------  -----------
Al         $4.2           36        $10.2           56        $38.0          227
 a
 b
 a
 m
 a
Al            0            0            0            0          0.1            1
 a
 s
 k
 a
Ar          1.7            5          5.8            6         30.4           78
 i
 z
 o
 n
 a
Ar         12.2          101         35.1          172        131.0          722
 k
 a
 n
 s
 a
 s
Ca          3.1            9          5.8           17        202.0          372
 l
 i
 f
 o
 r
 n
 i
 a
Co          3.6           31          4.9           32         40.2          244
 l
 o
 r
 a
 d
 o
Co          0.2            1          0.6            1          2.1           14
 n
 n
 e
 c
 t
 i
 c
 u
 t
De            0            0          0.2            1          0.6            8
 l
 a
 w
 a
 r
 e
Fl          2.2            9          2.8           10         73.4          342
 o
 r
 i
 d
 a
Ge         10.4           30         40.7          110        371.2        1,130
 o
 r
 g
 i
 a
Ha          0.1            1           \a            1           \a            2
 w
 a
 i
 i
Id         10.1           68         15.9           82         67.4          333
 a
 h
 o
Il         10.6          100         10.8           93         71.4          551
 l
 i
 n
 o
 i
 s
In         13.5          108         14.1           77        119.0          556
 d
 i
 a
 n
 a
Io         11.5          111          6.9           57        110.8          812
 wa
Ka          5.5           61          3.4           29         46.4          475
 n
 s
 a
 s
Ke          6.2           69          6.4           42         67.0          480
 n
 t
 u
 c
 k
 y
Lo          6.4           62         59.3          388        334.3        1,532
 u
 i
 s
 i
 a
 n
 a
Ma          3.2           27          2.8           15         12.5           81
 i
 n
 e
Ma          0.3            4          0.4            4          7.2           56
 r
 y
 l
 a
 n
 d
Ma           \a            1            0            0          0.4           10
 s
 s
 a
 c
 h
 u
 s
 e
 t
 t
 s
Mi         13.0           95         20.0           76         77.1          411
 c
 h
 i
 g
 a
 n
Mi         11.4          117         21.1          117        169.8          913
 n
 n
 e
 s
 o
 t
 a
Mi         15.6           80         63.3          215        303.1        1,019
 s
 s
 i
 s
 s
 i
 p
 p
 i
Mi         23.9          204         33.3          231        128.6          810
 s
 s
 o
 u
 r
 i
Mo         11.9           61         12.8           54         53.7          253
 n
 t
 a
 n
 a
Ne          4.5           39          4.5           34         89.9          527
 b
 r
 a
 s
 k
 a
Ne          0.4            6          0.3            2          2.8           20
 v
 a
 d
 a
Ne            0            0          0.2            1           \a            2
 w
 H
 a
 m
 p
 s
 h
 i
 r
 e
Ne           \a            1          0.3            2          3.0           35
 w
 J
 e
 r
 s
 e
 y
Ne          0.8            7          1.6           10         15.3           92
 w
 M
 e
 x
 i
 c
 o
Ne          7.0           41          5.9           32         42.9          336
 w
 Y
 o
 r
 k
No          4.0           30          6.9           46         90.1          549
 r
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
No         35.7          323         38.9          236        116.3          738
 r
 t
 h
 D
 a
 k
 o
 t
 a
Oh          2.3           15          7.9           47        107.0          485
 io
Ok         24.0          173         33.7          151        139.5          736
 l
 a
 h
 o
 m
 a
Or          3.3           22          2.3            9         31.5          159
 e
 g
 o
 n
Pe          2.2           19          2.7           15         17.4          132
 n
 n
 s
 y
 l
 v
 a
 n
 i
 a
Rh            0            0            0            0          0.6            2
 o
 d
 e
 I
 s
 l
 a
 n
 d
So          6.8           50         13.8           64         55.9          289
 u
 t
 h
 C
 a
 r
 o
 l
 i
 n
 a
So          8.6           83         11.8           60        109.8          718
 u
 t
 h
 D
 a
 k
 o
 t
 a
Te          5.1           38         15.6           82        181.0        1,110
 n
 n
 e
 s
 s
 e
 e
Te         36.7          201         34.5          115        322.5        1,512
 x
 a
 s
Ut          1.1           10          0.5            4          7.3           51
 ah
Ve            0            0          0.3            2          0.8           11
 r
 m
 o
 n
 t
Vi          2.2           16          4.6           25         39.5          275
 r
 g
 i
 n
 i
 a
Wa          2.1           15          1.8            8         38.9          216
 s
 h
 i
 n
 g
 t
 o
 n
We          0.9            9          0.3            2          5.0           79
 st
 V
 i
 r
 g
 i
 n
 i
 a
Wi         20.3          191         29.6          199         90.0          849
 s
 c
 o
 n
 s
 i
 n
Wy          3.7           34          1.3            9         11.9           82
 o
 m
 i
 n
 g
Ot          0.7            8          0.8            6          6.2          145
 h
 e
 r
 \
 b
--------------------------------------------------------------------------------
\a Less than $50,000. 

\b Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 



                         Table II. 2
           
            Loss Payments on Guaranteed Loans, by
                 State, Fiscal Years 1991-93

                    (Dollars in millions)

                          Amount of loan           Number of
State                      loss payments           borrowers
--------------------  ------------------  ------------------
Alabama                             $0.7                  11
Alaska                                 0                   0
Arizona                              0.2                   1
Arkansas                             6.4                 108
California                           0.9                  10
Colorado                             3.0                  22
Connecticut                          0.4                   1
Delaware                               0                   0
Florida                              0.7                  11
Georgia                              2.8                  52
Hawaii                                 0                   0
Idaho                                1.8                  19
Illinois                             4.5                  92
Indiana                              2.4                  26
Iowa                                 6.9                 138
Kansas                               3.7                  68
Kentucky                             2.6                  34
Louisiana                           26.0                 372
Maine                                  0                   0
Maryland                             0.7                   7
Massachusetts                        0.1                   1
Michigan                             6.2                  58
Minnesota                            6.6                 103
Mississippi                          6.8                  83
Missouri                             2.3                  44
Montana                              3.6                  31
Nebraska                             2.3                  43
Nevada                                 0                   0
New Hampshire                         \a                   1
New Jersey                             0                   0
New Mexico                           4.0                  24
New York                             1.0                  10
North Carolina                       1.3                  18
North Dakota                         4.5                  79
Ohio                                 1.9                  23
Oklahoma                            13.5                 131
Oregon                               1.4                  13
Pennsylvania                         1.6                  11
Rhode Island                           0                   0
South Carolina                       1.6                  23
South Dakota                         1.4                  30
Tennessee                            2.4                  37
Texas                               19.1                 240
Utah                                 0.3                   6
Vermont                              0.2                   9
Virginia                              \a                   2
Washington                           1.9                  17
West Virginia                        0.7                   8
Wisconsin                            8.7                 132
Wyoming                              0.9                  14
Other\b                              0.8                   5
------------------------------------------------------------
\a Less than $50,000. 

\b Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 


NEW DIRECT LOANS TO PREVIOUSLY
DELINQUENT BORROWERS WHO RECEIVED
DEBT RELIEF
========================================================= Appendix III



                         Table III.1
           
               New Direct Loans and Debt Relief
              Provided to Previously Delinquent
           Borrowers Whose Loans Were Restructured
            With Debt Write-Down, by State, Fiscal
                        Years 1991-93

                    (Dollars in millions)

                Number                             Number of
                    of     Amount of    Amount     borrowers
              borrower    new direct   of debt    delinquent
State                s         loans    relief       again\a
------------  --------  ------------  --------  ------------
Alabama             14          $1.1      $1.9             4
Alaska               0             0         0             0
Arizona              0             0         0             0
Arkansas            24           1.5       3.9             7
California           2           0.3       0.4             1
Colorado             6           0.4       0.4             3
Connecticut          0             0         0             0
Delaware             0             0         0             0
Florida              2           0.2       0.3             0
Georgia             10           0.9       1.9             3
Hawaii               0             0         0             0
Idaho               30           2.0       4.4             2
Illinois            40           1.3       4.7             3
Indiana             44           2.6       6.2             5
Iowa                36           1.5       3.4             9
Kansas              20           0.9       1.4             2
Kentucky            13           0.7       1.4             0
Louisiana           35           2.8       4.4            12
Maine               12           1.1       1.4             2
Maryland             1            \b        \b             0
Massachusett         0             0         0             0
 s
Michigan            42           3.0       9.3            11
Minnesota           57           2.8       5.6            13
Mississippi         55           4.3       9.4            21
Missouri            21           0.5       2.2             0
Montana             15           0.7       3.4             1
Nebraska             9           0.4       0.7             1
Nevada               3           0.1       0.2             0
New                  0             0         0             0
 Hampshire
New Jersey           0             0         0             0
New Mexico           4           0.3       0.5             2
New York            17           1.3       2.4             4
North               12           0.8       1.9             5
 Carolina
North Dakota        61           2.5       5.8             6
Ohio                 2           0.2       0.3             1
Oklahoma            58           3.4       9.5            18
Oregon               9           0.7       1.1             3
Pennsylvania         6           0.5       1.4             1
Rhode Island         0             0         0             0
South               14           1.2       2.7             3
 Carolina
South Dakota        26           1.0       2.9             4
Tennessee            5           0.3       0.7             1
Texas              145           8.6      24.6            39
Utah                 2           0.1       0.3             0
Vermont              0             0         0             0
Virginia            10           0.7       2.1             6
Washington           6           0.3       0.9             0
West                 2           0.2       0.6             0
 Virginia
Wisconsin           40           1.5       4.6             0
Wyoming              6           0.3       0.6             0
Other\c              1            \b        \b             1
------------------------------------------------------------
\a Delinquent as of September 30, 1993. 

\b Less than $50,000. 

\c Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 




                         Table III.2
           
               New Direct Loans and Debt Relief
              Provided to Previously Delinquent
           Borrowers Whose Loans Were Bought Out at
             Net Recovery Value, by State, Fiscal
                        Years 1991-93

                    (Dollars in millions)

                Number                             Number of
                    of     Amount of    Amount     borrowers
              borrower    new direct   of debt    delinquent
State                s         loans    relief       again\a
------------  --------  ------------  --------  ------------
Alabama              0            $0        $0             0
Alaska               0             0         0             0
Arizona              0             0         0             0
Arkansas             0             0         0             0
California           0             0         0             0
Colorado             0             0         0             0
Connecticut          0             0         0             0
Delaware             0             0         0             0
Florida              0             0         0             0
Georgia              0             0         0             0
Hawaii               0             0         0             0
Idaho                0             0         0             0
Illinois             0             0         0             0
Indiana              1            \b       0.2             0
Iowa                 0             0         0             0
Kansas               0             0         0             0
Kentucky             0             0         0             0
Louisiana            8           0.9       0.8             4
Maine                0             0         0             0
Maryland             0             0         0             0
Massachusett         0             0         0             0
 s
Michigan             1           0.1       0.6             0
Minnesota            1           0.2       0.1             0
Mississippi          1           0.2       0.1             0
Missouri             2           0.1        \b             0
Montana              0             0         0             0
Nebraska             0             0         0             0
Nevada               0             0         0             0
New                  0             0         0             0
 Hampshire
New Jersey           0             0         0             0
New Mexico           0             0         0             0
New York             1           0.1        \b             0
North                0             0         0             0
 Carolina
North Dakota         0             0         0             0
Ohio                 0             0         0             0
Oklahoma             2           0.2       0.3             1
Oregon               0             0         0             0
Pennsylvania         0             0         0             0
Rhode Island         0             0         0             0
South                0             0         0             0
 Carolina
South Dakota         0             0         0             0
Tennessee            0             0         0             0
Texas                1           0.1       0.2             0
Utah                 0             0         0             0
Vermont              0             0         0             0
Virginia             0             0         0             0
Washington           0             0         0             0
West                 0             0         0             0
 Virginia
Wisconsin            1            \b       0.3             0
Wyoming              0             0         0             0
Other\c              0             0         0             0
------------------------------------------------------------
\a Delinquent as of September 30, 1993. 

\b Less than $50,000. 

\c Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 


NEW GUARANTEED LOANS AND LOSSES
PROVIDED TO PREVIOUSLY DELINQUENT
BORROWERS
========================================================== Appendix IV



                          Table IV.1
           
               New Guaranteed Loans and Losses
             Involving Borrowers Who Defaulted on
             Previous Guaranteed Loans, by State,
                     Fiscal Years 1991-93

                    (Dollars in millions)

                Number     Amount of     Prior     Number of
                    of           new  guarante     borrowers
              borrower    guaranteed   ed loan    delinquent
State                s         loans    losses       again\a
------------  --------  ------------  --------  ------------
Alabama              0            $0        $0             0
Alaska               0             0         0             0
Arizona              0             0         0             0
Arkansas             1           0.3        \b             0
California           0             0         0             0
Colorado             1           0.2       0.2             0
Connecticut          0             0         0             0
Delaware             0             0         0             0
Florida              0             0         0             0
Georgia              1           0.3       0.2             0
Hawaii               0             0         0             0
Idaho                0             0         0             0
Illinois             0             0         0             0
Indiana              0             0         0             0
Iowa                 1           0.1       0.1             0
Kansas               0             0         0             0
Kentucky             0             0         0             0
Louisiana           16           3.0       1.1             1
Maine                0             0         0             0
Maryland             0             0         0             0
Massachusett         0             0         0             0
 s
Michigan             3           0.7       0.6             1
Minnesota            2           0.3       0.1             0
Mississippi          2           0.3       0.1             0
Missouri             0             0         0             0
Montana              0             0         0             0
Nebraska             0             0         0             0
Nevada               0             0         0             0
New                  0             0         0             0
 Hampshire
New Jersey           0             0         0             0
New Mexico           0             0         0             0
New York             0             0         0             0
North                0             0         0             0
 Carolina
North Dakota         2           0.1        \b             0
Ohio                 0             0         0             0
Oklahoma             1           0.4       0.1             0
Oregon               0             0         0             0
Pennsylvania         0             0         0             0
Rhode Island         0             0         0             0
South                0             0         0             0
 Carolina
South Dakota         0             0         0             0
Tennessee            1           0.1        \b             0
Texas                4           0.7       0.3             0
Utah                 0             0         0             0
Vermont              0             0         0             0
Virginia             0             0         0             0
Washington           0             0         0             0
West                 1           0.3       0.1             0
 Virginia
Wisconsin            0             0         0             0
Wyoming              0             0         0             0
Other\c              0             0         0             0
------------------------------------------------------------
\a Delinquent as of September 30, 1993. 

\b Less than $50,000. 

\c Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 




                          Table IV.2
           
             New Guaranteed Loans and Debt Relief
              Provided to Previously Delinquent
           Borrowers Whose Loans Were Restructured
            With Debt Write-Down, by State, Fiscal
                        Years 1991-93

                    (Dollars in millions)

                Number     Amount of               Number of
                    of           new    Amount     borrowers
              borrower    guaranteed   of debt    delinquent
State                s         loans    relief       again\a
------------  --------  ------------  --------  ------------
Alabama              3          $0.4      $0.3             0
Alaska               0             0         0             0
Arizona              0             0         0             0
Arkansas             5           1.0       1.0             0
California           1           0.1        \b             0
Colorado             1            \b       0.1             0
Connecticut          0             0         0             0
Delaware             0             0         0             0
Florida              0             0         0             0
Georgia             12           1.8       4.5             0
Hawaii               0             0         0             0
Idaho                4           0.8       0.5             0
Illinois            14           1.2       1.9             0
Indiana             10           1.3       2.1             0
Iowa                16           1.1       1.6             0
Kansas              11           1.4       1.4             2
Kentucky            15           0.9       2.1             0
Louisiana           66          12.8      10.3             2
Maine                0             0         0             0
Maryland             0             0         0             0
Massachusett         0             0         0             0
 s
Michigan            12           2.0       2.9             0
Minnesota           24           2.4       3.2             0
Mississippi         13           2.5       2.2             1
Missouri            16           1.0       2.3             1
Montana              2           0.2       0.4             0
Nebraska             3           0.3       0.7             0
Nevada               0             0         0             0
New                  0             0         0             0
 Hampshire
New Jersey           0             0         0             0
New Mexico           0             0         0             0
New York             0             0         0             0
North                2           0.1       0.4             1
 Carolina
North Dakota        13           2.1       1.7             0
Ohio                 5           0.6       1.2             0
Oklahoma             7           1.1       1.0             0
Oregon               0             0         0             0
Pennsylvania         0             0         0             0
Rhode Island         0             0         0             0
South                3           0.3       0.3             0
 Carolina
South Dakota        23           2.0       2.9             1
Tennessee            4           0.5       0.6             0
Texas               10           1.5       1.8             2
Utah                 0             0         0             0
Vermont              0             0         0             0
Virginia             0             0         0             0
Washington           0             0         0             0
West                 1           0.1       0.1             0
 Virginia
Wisconsin            8           1.4       1.0             0
Wyoming              5           0.6       0.9             0
Other\c              0             0         0             0
------------------------------------------------------------
\a Delinquent as of September 30, 1993. 

\b Less than $50,000. 

\c Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 




                          Table IV.3
           
             New Guaranteed Loans and Debt Relief
              Provided to Previously Delinquent
           Borrowers Whose Loans Were Bought Out at
             Net Recovery Value, by State, Fiscal
                        Years 1991-93

                    (Dollars in millions)

                Number     Amount of               Number of
                    of           new    Amount     borrowers
              borrower    guaranteed   of debt    delinquent
State                s         loans    relief       again\a
------------  --------  ------------  --------  ------------
Alabama              0            $0        $0             0
Alaska               0             0         0             0
Arizona              0             0         0             0
Arkansas             1           0.1       0.7             0
California           0             0         0             0
Colorado             2           0.2       0.4             0
Connecticut          0             0         0             0
Delaware             0             0         0             0
Florida              0             0         0             0
Georgia              2           0.8       0.1             0
Hawaii               0             0         0             0
Idaho                2           0.2       0.6             0
Illinois             1           0.2       0.1             0
Indiana              0             0         0             0
Iowa                 2           0.1       0.3             0
Kansas               1           0.1       0.3             1
Kentucky             1           0.1       0.1             0
Louisiana           23           4.5       5.6             2
Maine                0             0         0             0
Maryland             0             0         0             0
Massachusett         0             0         0             0
 s
Michigan             2           0.3       0.9             0
Minnesota            2           1.3       0.4             0
Mississippi          4           0.4       0.9             0
Missouri             1           0.2       0.2             0
Montana              0             0         0             0
Nebraska             0             0         0             0
Nevada               0             0         0             0
New                  0             0         0             0
 Hampshire
New Jersey           0             0         0             0
New Mexico           0             0         0             0
New York             0             0         0             0
North                3           0.5       0.7             1
 Carolina
North Dakota         1            \b        \b             0
Ohio                 0             0         0             0
Oklahoma             3           0.7       0.6             0
Oregon               0             0         0             0
Pennsylvania         0             0         0             0
Rhode Island         0             0         0             0
South                1           0.1       0.1             0
 Carolina
South Dakota         0             0         0             0
Tennessee            1           0.1       0.2             0
Texas                4           0.6       1.2             0
Utah                 0             0         0             0
Vermont              0             0         0             0
Virginia             0             0         0             0
Washington           1           0.1       0.1             0
West                 0             0         0             0
 Virginia
Wisconsin            5           0.8       1.2             0
Wyoming              0             0         0             0
Other\c              0             0         0             0
------------------------------------------------------------
\a Delinquent as of September 30, 1993. 

\b Less than $50,000. 

\c Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 


NEW DIRECT LOANS TO DELINQUENT
BORROWERS, BY STATE, FISCAL YEARS
1991-93
=========================================================== Appendix V

                    (Dollars in millions)

                               Number of    Amount of direct
State                          borrowers               loans
--------------------  ------------------  ------------------
Alabama                               17                $1.1
Alaska                                 0                   0
Arizona                                0                   0
Arkansas                              95                 7.3
California                             6                 0.3
Colorado                               6                 0.4
Connecticut                            1                  \a
Delaware                               0                   0
Florida                                5                 0.5
Georgia                               14                 1.2
Hawaii                                 0                   0
Idaho                                 23                 1.5
Illinois                              91                 4.1
Indiana                               24                 1.2
Iowa                                  96                 4.7
Kansas                                31                 1.7
Kentucky                              15                 0.7
Louisiana                             74                 6.2
Maine                                 13                 0.7
Maryland                               0                   0
Massachusetts                          0                   0
Michigan                              30                 1.6
Minnesota                             51                 3.0
Mississippi                           91                 7.5
Missouri                              55                 2.5
Montana                               78                 4.8
Nebraska                              34                 2.5
Nevada                                 4                 0.3
New Hampshire                          0                   0
New Jersey                             1                  \a
New Mexico                            10                 1.0
New York                               1                 0.1
North Carolina                        35                 2.4
North Dakota                          90                 4.7
Ohio                                   9                 0.4
Oklahoma                              20                 0.9
Oregon                                19                 1.4
Pennsylvania                           2                  \a
Rhode Island                           0                   0
South Carolina                        13                 0.7
South Dakota                          24                 0.7
Tennessee                              8                 0.5
Texas                                330                21.2
Utah                                   1                  \a
Vermont                                2                 0.1
Virginia                              18                 1.0
Washington                            10                 0.7
West Virginia                          1                  \a
Wisconsin                              7                 0.1
Wyoming                                3                 0.2
Other\b                                0                   0
------------------------------------------------------------
\a Less than $50,000. 

\b Includes Puerto Rico, the U.S.  Virgin Islands, and the Western
Pacific Island Territories. 

Source:  GAO's analysis of FmHA Finance Office records. 


MAJOR CONTRIBUTORS TO THIS FACT
SHEET
========================================================== Appendix VI

RESOURCES, COMMUNITY, AND ECONOMIC
DEVELOPMENT DIVISION, WASHINGTON,
D.C. 

Robert E.  Robertson, Assistant Director
Patrick J.  Sweeney, Assignment Manager
LaSonya R.  Roberts, Evaluator-in-Charge

KANSAS CITY REGIONAL OFFICE

Robert C.  Sommer, Computer Analyst
