Concentrations of commercial real estate loans to capital have risen sharply since 1998.
Percent of FDIC-Insured Institutions with construction and commercial real estate loans-to-equity capital greater than:
| Year
| 200 percent
| 300 percent
| 400 percent
| 500 percent
|
| 1984 |
15.13 |
8.15 |
5.17 |
3.83 |
| 1985 |
16.63 |
9.06 |
5.61 |
3.96 |
| 1986 |
19.91 |
11.17 |
6.94 |
4.89 |
| 1987 |
20.92 |
11.44 |
7.15 |
5.04 |
| 1988 |
21.74 |
11.42 |
6.86 |
4.68 |
| 1989 |
21.38 |
11.07 |
6.42 |
4.12 |
| 1990 |
21.00 |
10.64 |
5.91 |
3.66 |
| 1991 |
19.94 |
9.17 |
4.65 |
2.74 |
| 1992 |
18.24 |
7.47 |
3.47 |
2.00 |
| 1993 |
17.47 |
6.93 |
2.85 |
1.44 |
| 1994 |
19.67 |
7.89 |
3.14 |
1.44 |
| 1995 |
18.16 |
7.02 |
2.46 |
1.04 |
| 1996 |
19.98 |
8.29 |
3.19 |
1.25 |
| 1997 |
20.76 |
8.49 |
3.24 |
1.26 |
| 1998 |
21.54 |
9.67 |
3.90 |
1.43 |
| 1999 |
26.92 |
13.72 |
6.44 |
2.54 |
| 2000 |
28.61 |
14.49 |
6.70 |
2.77 |
| 2001 |
31.55 |
17.83 |
8.72 |
3.67 |
Source: Bank Call Reports; Thrift Financial Reports (FDIC)