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)