Table 1. The title is "Although ALLL Levels in the Memphis Region Grew Slightly in 2001, They Did Not Keep Pace with Increases in Nonperforming Loans." As of December 31, 2002, median ratios of allowance for loan and lease losses (ALLL) to gross loans, in median percentage, were 1.26 for the Memphis Region, 1.22 for the rest of the nation, 1.23 for Arkansas, 1.18 for Kentucky, 1.31 for Louisiana, 1.41 for Mississippi, and 1.29 for Tennessee. The median ratios of ALLL to nonperforming loans in median percentage were 147.6 for the Memphis Region, 171.0 for the rest of the nation, 117.6 for Arkansas, 151.0 for Kentucky, 157.5 for Louisiana, 171.7 for Mississippi, and 149.5 for Tennessee. The median ratios of ALL to 2001 net loan losses in median X were 4.7 for the Memphis Region, 6.0 for the rest of the nation, 4.4 for Arkansas, 5.2 for Kentucky, 6.1 for Louisiana, 5.1 for Mississippi, and 4.0 for Tennessee.