C&D loan concentrations are significantly higher at mid-sized institutions.
Construction & Development Loan Concentrations as a Percentage of Tier 1 Capital
Year Median for Institutions with Assets under $1 Bil Median for Institutions with Assets over $10 Bil Median for Institutions with Assets Between $1 Bil. and $10 Bil
1991 7.49612 56.26551 42.08414
1992 7.63284 30.65606 30.97665
1993 7.42549 22.93053 21.41039
1994 8.30102 16.86205 19.63262
1995 9.32815 17.07346 20.64563
1996 10.30993 16.39369 21.20623
1997 10.75811 16.47771 19.45857
1998 11.39907 18.03849 24.32696
1999 12.34786 21.49207 27.63212
2000 14.70492 25.53686 37.90885
2001 17.34043 28.77637 37.92400
2002 18.61181 31.04541 40.03365
2003 20.45328 32.38231 44.45800
2004 23.93445 28.10772 54.68385
2005 29.14577 31.96308 72.03732
2006 34.80711 41.38527 96.09026
Note: All data reflect June 30 totals.
Source: FDIC