Chart 1.
The title is "Expanded Commercial Real Estate Credit Exposure Increases Vulnerability to Weakening Markets in the Dallas Region." A chart showing commercial real estate as a percentage of total loans from 1980 through second quarter 2001 for the Dallas Region and the rest of the United States. In 1980, commercial real estate (which excludes commercial, multifamily, and construction real estate) was about 15 percent of total loans in the Dallas Region and about 12 percent of total loans in the rest of the nation. By 1985, the commercial real estate loans had risen to more than 36 percent of total loans in the Dallas region and about 17 percent in the rest of the United States. By 1993, the percentages for both the Dallas Region and the rest of the United States were almost the same--about 18 percent. Since then, the percentage for the Dallas Region has risen, to 30.7 percent as of second quarter 2001, while the percentage for the rest of the United States dropped, then rose slightly, to 17.8 percent as of second quarter 2001.