Chart 2.
The title is "Banks in Highly Reliant Counties Consistently Have Higher Noncurrent Loan Ratios." This line graph shows the percentage of banks in highly reliant counties that have noncurrent loan ratios and the percentage of banks not in highly reliant counties that have noncurrent loan ratios. In first quarter 1994, banks in highly reliant counties had 1% noncurrent loans, which decreased to 0.9% by the end of the year but then rose to 1.2% by first quarter 1995. The percentage went down slightly but spiked upward to 1.5% by first quarter 1996. By the end of that year, it had decreased to 1.1%, then went back up to 1.4%. By third quarter 1997, it was down to 1.1%, but then it increased to 1.4% by second quarter 1998. After dipping to 0.9% in fourth quarter 1999, it rose to 1.3% by second quarter 2001. Banks not in highly reliant counties started 1994 at 1.1%, dropped to 0.8% by the end of that year, rising to 1.2% in second quarter 1996, decreasing to 0.8% in third quarter 1997, back up to 1.0% by the end of the year, then remained under 1.0% until second quarter 2001, when the percentage rose to 1.1%.