Chart 8. The title is "High Credit Exposures and Economic Weakness May Stress Some Metropolitan Statistical Areas." A scatter graph showing the percentage change in employment growth rate from the 1992-2000 average to fourth quarter 2001 and the percentage of high-risk loans to Tier 1 capital (in median values) for certain metropolitan statistical areas. High-risk loans include commercial, construction, and commercial real estate loans. For Salt Lake City, the change in employment was about minus 6 percent, and the percentage of high-risk loans to Tier 1 capital was about 550 percent. For Seattle and Denver, the change in employment was about minus 7 percent, and the percentage of high-risk loans to Tier 1 capital was about 560 percent. For Atlanta, the change in employment was minus 6 percent, and the percentage of high-risk loans to Tier 1 capital was 600 percent. For Phoenix, the change in employment was about minus 7 percent, and the percentage of high-risk loans to Tier 1 capital was about 640 percent. For San Jose, the change in employment was minus 10 percent, and the percentage of high-risk loans to Tier 1 capital was about 640 percent. For San Francisco/Oakland, the change in employment was about minus 3 percent, and the percentage of high-risk loans to Tier 1 capital was about 650 percent. For Las Vegas, the change in employment was about minus 7 percent, and the percentage of high-risk loans to Tier 1 capital was about 660 percent. For Grand Rapids, the change in employment was minus 4 percent, and the percentage of high-risk loans to Tier 1 capital was about 720 percent. For Portland, the change in employment was minus 6 percent, and the percentage of high-risk loans to Tier 1 capital was about 700 percent. For the nation, the change in employment was minus 3 percent, and the percentage of high-risk loans to Tier 1 capital was 350 percent.