Table 1. The title is "Delinquencies Are Highest among Commercial and Industrial and Consumer Loans." Construction and development loans were 6 percent of total loans as of year-end 2001. Their PDNA ratio was 2.82 percent at year-end 2001 and 1.96 percent at year-end 2000. Commercial real estate loans were 20 percent of total loans as of year-end 2001. Their PDNA ratio was 2.14 percent at year-end 2001 and 1.40 percent at year-end 2000. Multifamily residential real estate loans were 3 percent of total loans as of year-end 2001. Their PDNA ratio was 1.43 percent at year-end 2001 and 1.01 percent at year-end 2000. One- to four-family residential loans were 38 percent of total loans as of year-end 2001. Their PDNA ratio was 2.56 percent at year-end 2001 and 2.09 percent at year-end 2000. Home equity loans were 4 percent of total loans as of year-end 2001. Their PDNA ratio was 1.22 percent at year-end 2001 and 0.92 percent at year-end 2000. Farm loans were 3 percent of total loans as of year-end 2001. Their PDNA ratio was 1.84 percent at year-end 2001 and 1.60 percent at year-end 2000. Commercial and industrial loans were 14 percent of total loans as of year-end 2001. Their PDNA ratio was 3.15 percent at year-end 2001 and 2.98 percent at year-end 2000. Other consumer loans were 8 percent of total loans as of year-end 2001. Their PDNA ratio was 2.98 percent at year-end 2001 and 2.66 percent at year-end 2000.