Chart 4

The title is "Past-Due Rates Are Higher Across the Large Loan Categories."

A bubble chart that shows the size of loan categories, the past-due rates and the one-year change in past-due rates for a variety of loan categories since June 30, 2003 for Ohio community banks. Over the past year, past-due rates have declined for construction and development loans (2.63 percent are past due, an improvement of 0.38 percentage points) and consumer loans (2.46 percent are past due, an improvement of 0.09 percentage points). Past-due rates have increased for commercial and industrial loans (3.93 percent are past due, an increase of 0.09 percentage points), one- to four-family real estate loans (2.38 percent are past due, an increase of 0.17 percentage points), and nonresidential real estate loans (2.31 percent are past due, and increase of 0.36 percentage points). The aggregate size of commercial and industrial (C&I) loan portfolio to total loans among community banks is 10.9 percent, 9.2 percent in consumer loans, 43.2 percent in residential real estate loans, 18.1 percent in nonresidential real estate loans, and 4.3 percent in construction and development loans.