Chart 1, titled "Adversely Rated Credits", is a bar chart showing classified and total adversely rated credits (classified and special mention combined) as a percent of total commitments for 1989 through 2003. Adversely rated credits reached a peak in 1991 at approximately 16% of commitments and were lowest in 1998 (approximately 2.6%). They have stabilized at 12.6% in 2002 and 2003.