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To: BigBull who wrote (78582)	11/10/2000 9:25:09 PM
From: patron_anejo_por_favor	Read Replies (1) \| Respond to of 95453

RE: OT Bank ONE CEO <<Another brick in the wall.>> And a critically important one at that! In essence, bank loan quality has gone in the dumper, at the height of the cycle. Obviously means bad ju-ju ahead for the financials, lots of write-downs and bad credit charges in their future. Compared to this guy, the Bank One CEO is a raging optimist: prudentbear.com

To: BigBull who wrote (78582)	11/10/2000 9:35:17 PM
From: Gottfried	Read Replies (1) \| Respond to of 95453

Big Bull, default data must be in perspective. Then we can judge whether things are going to hell. This data ends 2Q00 and doesn't look alarming to me. Gottfried federalreserve.gov Delinquency Rates All Banks, NSA ---Real estate loans--- --Consumer loans--- Agri- Total Residen- Commer- Credit C&I cultural loans and All tial /1 cial /2 All cards Other Leases loans loans leases ---- -------- ------- ---- ------ ----- ------ ----- -------- --------- 85:1 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.81 85:2 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.81 85:3 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.85 85:4 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.73 86:1 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 5.07 86:2 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.63 86:3 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.71 86:4 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. 4.63 87:1 5.43 n.a. n.a. 3.52 n.a. n.a. 2.60 6.63 13.95 5.77 87:2 4.73 n.a. n.a. 3.25 n.a. n.a. 2.13 6.29 11.46 5.25 87:3 4.80 n.a. n.a. 3.39 n.a. n.a. 2.19 6.11 9.02 5.20 87:4 5.06 n.a. n.a. 3.53 n.a. n.a. 1.85 5.75 10.21 5.22 88:1 5.32 n.a. n.a. 3.41 n.a. n.a. 1.87 5.73 10.67 5.30 88:2 4.79 n.a. n.a. 3.20 n.a. n.a. 1.63 5.08 8.20 4.85 88:3 4.83 n.a. n.a. 3.31 n.a. n.a. 1.67 5.13 7.44 4.97 88:4 4.58 n.a. n.a. 3.49 n.a. n.a. 1.48 4.61 6.84 4.61 89:1 5.20 n.a. n.a. 3.53 n.a. n.a. 1.73 5.13 7.58 5.10 89:2 4.73 n.a. n.a. 3.43 n.a. n.a. 1.70 4.83 6.72 4.81 89:3 5.05 n.a. n.a. 3.63 n.a. n.a. 1.88 4.94 5.65 4.96 89:4 5.32 n.a. n.a. 3.78 n.a. n.a. 1.94 4.74 5.50 4.90 90:1 5.83 n.a. n.a. 3.67 n.a. n.a. 1.95 5.04 6.74 5.19 90:2 5.64 n.a. n.a. 3.51 n.a. n.a. 1.75 4.98 5.32 4.92 90:3 6.20 n.a. n.a. 3.87 n.a. n.a. 2.16 5.16 4.94 5.28 90:4 7.36 n.a. n.a. 4.22 n.a. n.a. 2.40 5.76 4.38 5.95 91:1 7.96 3.32 12.92 4.16 5.33 3.57 2.82 6.11 5.56 6.34 91:2 7.39 3.21 11.99 4.09 5.35 3.45 2.52 5.95 4.75 6.00 91:3 7.35 3.31 11.79 4.21 5.44 3.57 2.52 5.84 4.11 5.89 91:4 7.31 3.44 11.68 4.28 5.33 3.69 2.32 5.50 4.42 5.79 92:1 7.27 3.37 11.82 3.97 5.32 3.26 2.21 5.56 5.25 5.72 92:2 6.59 3.08 10.66 3.72 4.96 3.07 2.11 5.09 4.35 5.26 92:3 6.42 3.00 10.56 3.74 5.04 3.06 2.19 4.89 4.35 5.13 92:4 6.05 2.97 9.90 3.67 4.69 3.11 2.14 4.33 3.83 4.81 93:1 5.90 2.93 9.57 3.50 4.64 2.89 1.74 4.24 5.05 4.64 93:2 5.18 2.68 8.39 3.27 4.33 2.69 1.56 3.72 3.53 4.08 93:3 4.85 2.68 7.68 3.23 4.15 2.73 1.38 3.33 2.99 3.80 93:4 4.36 2.54 6.83 3.08 3.92 2.59 1.21 2.76 2.81 3.35 94:1 4.29 2.56 6.65 2.88 3.62 2.46 1.08 2.67 3.78 3.26 94:2 3.64 2.25 5.51 2.66 3.19 2.36 1.01 2.22 2.88 2.77 94:3 3.34 2.18 4.93 2.74 3.30 2.41 0.91 2.05 2.34 2.61 94:4 3.10 2.18 4.40 2.84 3.31 2.54 0.89 1.97 2.36 2.50 95:1 3.27 2.17 4.76 2.86 3.48 2.48 0.72 2.04 3.37 2.60 95:2 2.94 2.09 4.11 2.88 3.58 2.44 0.69 1.95 2.69 2.42 95:3 2.90 2.20 3.87 3.20 3.89 2.76 0.83 1.90 2.35 2.45 95:4 2.83 2.34 3.48 3.42 3.99 3.04 1.06 1.87 2.43 2.46 96:1 2.88 2.28 3.68 3.30 4.04 2.83 1.07 1.99 3.72 2.48 96:2 2.66 2.22 3.20 3.34 4.11 2.84 1.29 1.92 3.33 2.37 96:3 2.63 2.28 3.09 3.64 4.53 3.06 1.02 1.85 2.86 2.37 96:4 2.66 2.47 2.92 3.84 4.68 3.25 1.01 1.77 2.90 2.40 97:1 2.61 2.38 2.89 3.69 4.66 3.05 1.09 1.85 3.56 2.41 97:2 2.32 2.24 2.37 3.59 4.53 2.97 1.11 1.70 2.69 2.21 97:3 2.28 2.27 2.24 3.71 4.74 3.05 1.10 1.59 2.38 2.19 97:4 2.37 2.40 2.27 3.92 4.87 3.28 1.17 1.56 2.34 2.27 98:1 2.32 2.21 2.35 3.64 4.69 3.00 1.14 1.75 3.46 2.27 98:2 2.10 2.08 2.03 3.59 4.54 3.01 0.98 1.62 2.67 2.10 98:3 2.12 2.15 1.95 3.76 4.78 3.15 1.05 1.65 2.40 2.14 98:4 2.20 2.22 2.05 3.92 4.83 3.35 1.11 1.72 2.51 2.23 99:1 2.06 1.94 2.06 3.68 4.61 3.13 1.29 1.92 3.83 2.20 99:2 1.89 1.84 1.81 3.47 4.30 3.02 1.27 1.89 3.26 2.08 99:3 1.98 2.19 1.57 3.58 4.65 3.01 1.35 1.95 2.51 2.18 99:4 1.90 2.12 1.49 3.71 4.65 3.16 1.31 1.86 2.51 2.09 00:1 1.90 1.98 1.65 3.36 4.35 2.80 1.39 2.04 3.38 2.09 00:2 1.77 1.92 1.43 3.38 4.33 2.81 1.63 2.13 2.57 2.06 Note. Charge-offs, which are the value of loans removed from the books and charged against loss reserves, are measured net of recoveries as a percentage of average loans and annualized. Delinquent loans are those past due thirty days or more and still accruing interest as well as those in nonaccrual status. They are measured as a percentage of end-of-period loans. Banks are insured U.S.-chartered commercial banks. Size, where used, is measured by consolidated assets adjusted for mergers; where used, "other" banks are those smaller than the 100 largest. ------------------------------------------------------------------------ Special Note: Owing to a reporting problem, delinquency rates for residential and commercial mortgage loans for the third quarter of 1999 are partially estimated. ------------------------------------------------------------------------ 1. Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit. 2. Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate. NSA Not seasonally adjusted. SA Seasonally adjusted. C&I Commercial and industrial. n.a. Not available.