loans. The other three enterprises received around 40% of the farm loans
from 72 to 76 banks, depending on the enterprise. While more banks lend
to beef, it does not receive as large a percentage of the banks' agri-
cultural dollars as does the citrus enterprise which has 76 banks pro-
viding about 47% of their short term funds.
 As Florida is typified by large farms, it is not surprising that the
majority of banks' short term agricultural loans went to farmers with gross
sales greater than $100,000. For example, 87 banks allocated 60% of these
loans to farmers with gross sales over $250,000, while in contrast, 78 banks
provided funds to farms with gross sales lower than $50,000.


 PART II
 Farmer Client Analysis
 This part of the questionnaire concentrated on bankers' evaluation of
their farmer clients. They have apparently exercised this prerogative, for
133 banks, or 75% of those responding to this question refused some farmer's
requests for funds in 1977-78, due mainly to insufficient collateral, too
risky a venture and poor managerial ability, in that order.
 In their assessment, "knowledge of the applicant" was rated as the sin-
gle most important factor, followed closely by the applicants "financial re-
cords."16 While 163 respondents gave some ranking to "personal knowledge,"
112 of these stated this category as their first or second choice. Sim-
ilarly, 103 banks ranked financial records either first or second. Re-
payment schedule and real estate collateral were the respective third and
fourth choices. "Other collateral" and "physical records" were considered
the least important categories.
 In a list of personal items, the vast majority of banks selected
"reputation" as their first choice (149 out of 172 respondents). This
category was followed by "years in locality," with 97 banks ranking it
second. The category "educational level" was, perhaps surprisingly, only
their fourth choice. Less than a third of the banks responding to this
category ranked it any higher, though it may be that the "reputation"
category was interpreted as somewhat reflecting education. It is possibly

 16
 The quotation marks refer to the phrases used in the survey.