Chart 3

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.