High credit exposures and recent economic weakness could create challenges for lenders in certain metro areas
| Metropolitan Area | High-Risk Loans* as a Percent of Tier 1 Capital (Median Value for Institutions Headquartered in Metrolpolitan Area), December 2001 | Change In Metro Area Employment Growth Rate (from 1992-2000 Average to 4th Quarter 2001) |
|---|---|---|
| San Jose CA PMSA | 6.14 | -10.17% |
| Austin-San Marcos TX | 2.99 | -7.72% |
| Cedar Rapids IA | 2.01 | -7.27% |
| Phoenix-Mesa AZ | 6.17 | -6.58% |
| Orlando FL | 4.88 | -6.43% |
| Denver CO PMSA | 5.47 | -6.29% |
| Rockford IL | 2.91 | -6.28% |
| Seattle-Bellevue-Everett WA PMSA | 5.55 | -6.25% |
| Las Vegas NV-AZ | 6.49 | -6.15% |
| Atlanta GA | 5.93 | -5.89% |
| Portland-Vancouver OR-WA PMSA | 7.13 | -5.86% |
| Dallas/Ft. Worth (combined) | 4.80 | -5.06% |
| Grnsbro--Wnstn-Salem--High Pt NC | 3.60 | -5.16% |
| Salt Lake City-Ogden UT | 5.36 | -5.15% |
| Lawrence MA-NH PMSA | 1.60 | -5.08% |
| Charlotte-Gastonia-Rock Hill NC-SC | 3.88 | -4.70% |
| San Francisco/Oakland | 6.36 | -4.54% |
| New York NY PMSA | 3.62 | -4.45% |
| Boston MA-NH PMSA | 2.01 | -4.33% |
| Lexington KY | 4.21 | -4.20% |
| Louisville KY-IN | 3.87 | -4.12% |
| Minneapolis-St Paul MN-WI | 4.28 | -3.92% |
| Tampa-St Pete-Clearwater FL | 5.36 | -3.91% |
| Detroit MI | 4.91 | -3.91% |
| Decatur IL | 1.46 | -3.91% |
| Columbus OH | 2.27 | -3.87% |
| Youngstown-Warren OH | 2.33 | -3.85% |
| Ft Wayne IN | 2.20 | -3.83% |
| Duluth-Superior MN-WI | 3.77 | -3.83% |
| Parkersburg-Marietta WV-OH | 2.13 | -3.81% |
| Wilmington-Nwrk DE-MD PMSA | 2.45 | -3.76% |
| Gr Rapids-Muskegon-Holland MI | 7.27 | -3.72% |
| Stamford-Norwalk CT PMSA | 4.17 | -3.71% |
| Chicago IL PMSA | 4.03 | -3.60% |
| Indianapolis IN | 3.26 | -3.40% |
| St Cloud MN | 2.69 | -3.35% |
| Birmingham AL | 4.36 | -3.33% |
| W Palm Bch-Boca Raton FL | 4.31 | -3.22% |
| Appleton-Oshkosh-Neenah WI | 3.05 | -3.20% |
| Albuquerque NM | 5.10 | -3.10% |
| Springfield MO | 3.96 | -3.08% |
| Ft Smith AR-OK | 3.64 | -3.07% |
| Clvlnd-Lorain-Elyria OH PMSA | 1.02 | -3.07% |
| Oklahoma City OK | 3.93 | -3.06% |
| U.S. | 3.37 | -3.02% |
| Milwaukee-Waukesha WI PMSA | 3.76 | -3.00% |
| Cincinnati OH-KY-IN PMSA | 2.26 | -2.98% |
| Gary IN PMSA | 1.79 | -2.97% |
| Little Rock-N Little Rock AR | 4.78 | -2.96% |
| Lincoln NE | 5.13 | -2.92% |
| St Louis MO-IL | 3.22 | -2.91% |
| Dayton-Springfield OH | 2.28 | -2.89% |
| Memphis TN-AR-MS | 3.95 | -2.86% |
| Greenville-Spartanburg-Anderson SC | 4.28 | -2.85% |
| Nashville TN | 4.22 | -2.81% |
| Davenport-Moline-Rock Isl IA-IL | 2.10 | -2.80% |
| Ft Lauderdale FL PMSA | 4.48 | -2.72% |
| Longview-Marshall TX | 2.30 | -2.72% |
| Richmond-Petersburg VA | 3.94 | -2.70% |
| Washington DC-MD-VA-WV PMSA | 3.38 | -2.65% |
| Jacksonville FL | 4.12 | -2.60% |
| Peoria-Pekin IL | 1.68 | -2.58% |
| Tulsa OK | 4.18 | -2.53% |
| Des Moines IA | 3.73 | -2.53% |
| McAllen-Edinburg-Mission TX | 5.07 | -2.49% |
| Kansas City MO-KS | 3.26 | -2.49% |
| Houston TX PMSA | 5.36 | -2.49% |
| Wausau WI | 4.16 | -2.46% |
| Newark NJ PMSA | 1.83 | -2.40% |
| San Antonio TX | 5.67 | -2.39% |
| Bergen-Passaic NJ PMSA | 2.30 | -2.38% |
| Providence-Fall River-Warwick RI | 2.31 | -2.32% |
| Allentown-Bethlehem-Easton PA-NJ | 1.36 | -2.30% |
| Chattanooga TN-GA | 4.45 | -2.29% |
| Evansville-Henderson IN-KY | 1.96 | -2.28% |
| Ann Arbor MI PMSA | 4.96 | -2.26% |
| Norfolk-Virginia Bch-Newport News VA-NC | 4.20 | -2.24% |
| Omaha NE-IA | 3.11 | -2.14% |
| Hartford CT | 1.77 | -2.14% |
| Fargo-Moorhead ND-MN | 3.32 | -1.99% |
| Baltimore MD PMSA | 1.47 | -1.99% |
| Bloomington-Normal IL | 2.17 | -1.99% |
| Raleigh-Durham-Chapel Hill NC | 4.27 | -1.92% |
| Worcester MA-CT PMSA | 1.30 | -1.84% |
| Harrisburg-Lebanon-Carlisle PA | 2.05 | -1.79% |
| Wichita KS | 2.71 | -1.76% |
| Rochester NY | 3.19 | -1.73% |
| Pittsburgh PA | 1.12 | -1.73% |
| Philadelphia PA | 2.27 | -1.70% |
| Madison WI | 4.70 | -1.60% |
| Miami FL PMSA | 4.66 | -1.59% |
| Scranton--Wilkes-Barre--Hazelton PA | 2.50 | -1.58% |
| Huntington-Ashland WV-KY-OH | 1.76 | -1.58% |
| San Diego CA | 7.19 | -1.58% |
| Orange County CA PMSA | 5.63 | -1.42% |
| Sioux City IA-NE | 3.35 | -1.38% |
| LA-Long Beach CA PMSA | 6.53 | -1.38% |
| Springfield MA | 2.05 | -1.36% |
| Middlesex-Somerset-Hunterdon NJ PMSA (Thous | 2.28 | -1.36% |
| Sacramento CA PMSA | 6.49 | -1.31% |
| Jhnsn Cty-Kngsprt-Bristol TN-VA (Thous | 4.06 | -1.31% |
| Sarasota-Bradenton FL | 5.32 | -1.29% |
| New Orleans LA | 2.68 | -1.17% |
| Jersey City NJ PMSA | 0.65 | -1.16% |
| Albany-Schenectady-Troy NY | 2.36 | -1.12% |
| Monmouth-Ocean NJ PMSA | 2.93 | -0.96% |
| Syracuse NY | 1.52 | -0.92% |
| Springfield IL | 1.95 | -0.80% |
| Fayetteville-Springdale-Rogers AR | 4.72 | -0.78% |
| Lubbock TX | 4.51 | -0.71% |
| Macon GA | 6.34 | -0.66% |
| La Crosse WI-MN | 2.97 | -0.65% |
| Lafayette LA | 1.85 | -0.59% |
| Champaign-Urbana IL | 3.25 | -0.25% |
| Knoxville TN | 3.72 | -0.16% |
| Riverside-S Bernardino CA PMSA | 6.85 | 0.22% |
| Dallas/Ft. Worth | 4.80 | -5.06% |
| * High-risk loans include: commercial, construction and commercial real estate. |
| Note: The universe excludes banks over $10 billion, credit card and other small specialty institutions. |
| Source: Bureau of Labor Statistics, Haver Analytics, Bank Call Reports; Thrift Financial Reports. |