TABLE 5
                                   BALANCE SHEET AT COST VALUES, 2003                                 
                        North Dakota Farm Business Management Education Program                    
                                             State Report                                         
                                   (Farms Sorted By Net Farm Income)                               
                                         Avg. Of                         
                                        All Farms                 Low 20%                  High 20%
Number of farms                            412                      83                       78         
                                  Beginning    Ending      Beginning    Ending      Beginning    Ending
ASSETS
Current Farm Assets
  Cash and checking balance           9,800    11,039          4,320     7,501         22,158    24,241
  Prepaid expenses & supplies         7,398    11,696          2,585     3,108         20,435    31,659
  Growing crops                         289       413            102       240            898     1,477
  Accounts receivable                12,793    14,159          8,908     5,925         24,617    28,193
  Hedging accounts                      283       840             13       580            964     1,776
  Crops held for sale or feed        89,851   108,690         44,178    41,323        197,022   269,169
  Crops under government loan         3,419     4,871          2,735     3,613         10,087     6,841
  Market livestock held for sale     40,158    37,194         41,352    40,127         37,273    28,441
  Other current assets                  310       378            323       338            133       518
Total current farm assets           164,301   189,279        104,517   102,755        313,587   392,314
Intermediate Farm Assets
  Breeding livestock                 58,616    58,098         59,446    56,750         38,181    37,078
  Machinery and equipment           154,038   168,521         99,941   101,666        282,302   320,283
  Titled vehicles                     5,186     7,629          5,759     8,265          8,792    11,766
  Other intermediate assets           7,562     7,654          3,932     3,975         18,263    18,585
Total intermediate farm assets      225,403   241,902        169,078   170,656        347,537   387,713
Long Term Farm Assets
  Farm land                         187,939   204,434        128,456   143,452        298,985   330,083
  Buildings and improvements         25,942    28,308         17,525    17,707         46,805    53,840
  Other long-term assets              6,462     6,633          4,687     5,011         12,947    13,648
Total long-term farm assets         220,342   239,375        150,668   166,169        358,737   397,571
Total Farm Assets                   610,046   670,557        424,263   439,580      1,019,862 1,177,597
Total Nonfarm Assets                 91,916   100,956         64,417    67,341        176,948   194,638
Total Assets                        701,963   771,512        488,680   506,921      1,196,810 1,372,236
LIABILITIES
Current Farm Liabilities
  Accrued interest                    9,847     9,593          9,549     9,803         10,417    10,021
  Accounts payable                    7,114     7,256          8,876    10,173          9,853     7,592
  Current notes                      72,640    74,422         65,503    60,712        102,439   114,317
  Government crop loans               2,709     3,807          2,193     3,100          7,844     5,180
  Principal due on term debt         26,824    26,819         20,969    20,240         36,828    42,207
Total current farm liabilities      119,135   121,896        107,090   104,029        167,381   179,316
Total intermediate farm liabs        90,008    97,321         82,946    95,740        105,709   110,208
Total long term farm liabilities    102,144   114,708         87,885    99,174        113,417   132,072
Total farm liabilities              311,286   333,925        277,921   298,943        386,507   421,596
Total nonfarm liabilities            19,874    21,078         16,491    18,067         34,773    35,150
Total liabilities                   331,161   355,003        294,413   317,010        421,280   456,746
NET WORTH (farm and nonfarm)        370,802   416,509        194,268   189,911        775,529   915,490
Net worth change                               45,706                   -4,357                  139,960
RATIO ANALYSIS
Current farm liabilities / assets      73 %      64 %          102 %     101 %           53 %      46 %
Curr. & interm farm liab. / assets     54 %      51 %           69 %      73 %           41 %      37 %
Long term farm liab. / assets          46 %      48 %           58 %      60 %           32 %      33 %
Total debt to asset ratio              47 %      46 %           60 %      63 %           35 %      33 %