Commercial Credit Risk Trends by Product Type
(Percent of Banks)

2003 2004

Decreased Risk Increased Risk Decreased Risk Increased Risk

Agricultural
11

41

10

31

Asset-Based
29

29

32

13

Commercial Constructions
7

47

7

34

Residential Constructions
2

36

4

20

Other CRE
5

47

12

22

International
6

39

39

6

Middle Market
13

48

28

20

Small Business
4

40

15

13

Structured Finance
43

29

55

5

Syndicated/National
32

35

53

11

The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.