Chart 21
"Construction concentrations are significantly higher at mid-sized institutions."
  Construction & Development Loan Concentrations
  "Percent of Tier 1 capital, median by lender asset size"
  Under $1Billion Between $1 Billion and $10 Billion Over $10 Billion
1991 7.7 37.0 40.1
1992 7.8 26.2 26.5
1993 8.3 18.8 19.4
1994 9.5 20.8 15.7
1995 10.2 20.6 16.8
1996 11.5 22.7 17.5
1997 11.8 22.1 15.4
1998 12.3 27.2 18.2
1999 14.2 32.0 22.7
2000 15.9 36.1 24.6
2001 18.7 39.9 30.4
2002 20.2 42.8 33.8
2003 22.6 48.1 28.5
2004 27.0 63.7 27.6
2005 32.8 85.5 38.1
Source: FDIC
Note: All data reflect year-end totals. Construction loans are construction, land development, and other land loans secured by real estate