An Analysis of the Impact of the Commercial Real Estate Concentration Guidance - Accessible Version
Figure 1. Net charge-off rates
Charge-off rate, annualized
Percent
| Quarter | Construction | Owner-Occupied | Non owner-occupied |
|---|---|---|---|
| 2008:Q1 | 1.04 | 0.1 | 0.11 |
| 2008:Q2 | 2.26 | 0.14 | 0.22 |
| 2008:Q3 | 2.76 | 0.18 | 0.21 |
| 2008:Q4 | 5.54 | 0.46 | 0.64 |
| 2009:Q1 | 3.41 | 0.28 | 0.37 |
| 2009:Q2 | 5.9 | 0.51 | 0.74 |
| 2009:Q3 | 6.47 | 0.65 | 1.09 |
| 2009:Q4 | 8.38 | 0.9 | 1.71 |
| 2010:Q1 | 5.38 | 0.65 | 1.22 |
| 2010:Q2 | 5.53 | 0.88 | 1.77 |
| 2010:Q3 | 5.96 | 0.88 | 1.75 |
| 2010:Q4 | 6.2 | 1.11 | 1.68 |
| 2011:Q1 | 4.02 | 0.68 | 1.08 |
| 2011:Q2 | 3.54 | 0.75 | 1.14 |
| 2011:Q3 | 3.62 | 0.69 | 0.9 |
| 2011:Q4 | 3.44 | 0.83 | 0.99 |
| 2012:Q1 | 1.9 | 0.48 | 0.6 |
Source: FR Y-9C call reports.
Figure 2. Change in banks’ CRE concentrations since 2008 relative to the guidance (6 charts)
Upper panel left: Impact of Either Ratio Binding
Share of Banks with CRE Concentration
Percent
| Annual Period | Concentrated | Nearly Concentrated |
|---|---|---|
| 2008:Q4 | 31.23 | 7.56 |
| 2009:Q4 | 23.94 | 8.64 |
| 2010:Q4 | 16.46 | 8.36 |
| 2011:Q4 | 10.88 | 7.80 |
Upper panel right: Impact of Either Ratio Binding
Total CRE Outstanding
Billions
| Period | Concentrated | Nearly Concentrated | Unconcentrated |
|---|---|---|---|
| 2008:Q4 | 3.78 | 0.94 | 5.05 |
| 2011:Q4 | 2.98 | 0.71 | 5.09 |
Middle panel left: Impact of Construction Ratio Binding
Share of Banks with CRE Concentration
Percent
| Annual Period | Concentrated | Nearly Concentrated |
|---|---|---|
| 2008:Q4 | 27.97 | 6.70 |
| 2009:Q4 | 19.64 | 6.63 |
| 2010:Q4 | 11.49 | 6.35 |
| 2011:Q4 | 6.69 | 5.01 |
Middle panel right: Impact of Construction Ratio Binding
Construction Outstanding
Billions
| Period | Concentrated | Nearly Concentrated | Unconcentrated |
|---|---|---|---|
| 2008:Q4 | 1.75 | 0.42 | 1.75 |
| 2011:Q4 | 0.81 | 0.17 | 1.09 |
Bottom panel left: Impact of Total Ratio Binding
Share of Banks with CRE Concentration
Percent
| Annual Period | Concentrated | Concentrated: Low Growth | Concentrated: High Growth | Nearly Concentrated |
|---|---|---|---|---|
| 2008:Q4 | 19.10 | 7.29 | ||
| 2009:Q4 | 15.46 | 7.66 | ||
| 2010:Q4 | 11.27 | 6.19 | ||
| 2011:Q4 | 6.66 | 1.15 | 5.49 |
Bottom panel right: Impact of Total Ratio Binding
Total CRE Outstanding
Billions
| Period | Concentrated | Concentrated: Low Growth | Concentrated: High Growth |
Nearly Concentrated | Unconcentrated |
|---|---|---|---|---|---|
| 2008:Q4 | 2.44 | 0.93 | 6.39 | ||
| 2011:Q4 | 1.70 | 0.15 | 0.80 | 6.12 |
Source: FR Y-9C call reports.
Figure 4. Failure rate by construction and land development exposure to capital and failure rate by total CRE exposure to capital (2 charts)
Top panel: Fail Rate by Construction and Land Development Exposure to Capital
| CLD Concentration level | Failure rate |
|---|---|
| Over 400% | 46 |
| 300% to 400% | 24 |
| 200% to 300% | 10 |
| 100% to 200% | 6 |
| 0% to 100% | 1 |
| All Banks | 4 |
Bottom panel: Fail Rate by Total CRE Exposure to Capital
| CRE Concentration level | Failure rate |
|---|---|
| Over 700% | 43 |
| 500% to 700% | 30 |
| 300% to 500% | 9 |
| 0% to 300% | 2 |
| All Banks | 4 |
Source: OCC staff analysis
Figure 5. Estimates of distribution of growth rates in CRE concentration levels from 2008 to 2011 (6 charts)
| Impact of Either Ratio Binding | Impact of Construction Ratio Binding | Impact of Total Ratio Binding | ||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Top Panel Left: Distribution of Average Construction Growth, 2008:Q4 - 2011:Q4 | Top Panel Right: Distribution of Average Non-Construction CRE Growth, 2008:Q4 - 2011:Q4 | Middle Panel Left: Distribution of Average Construction Growth, 2008:Q4 - 2011:Q4 | Middle Panel Right: Distribution of Average Non-Construction CRE Growth, 2008:Q4 - 2011:Q4 | Bottom Panel Left: Distribution of Average Construction Growth, 2008:Q4 - 2011:Q4 | Bottom Panel Right: Distribution of Average Non-Construction CRE Growth, 2008:Q4 - 2011:Q4 | |||||||||||||||||||||||||||||||
| Concentrated Value | Density | Nearly Concentrated Value | Density | Unconcentrated Value | Density | Concentrated Value | Density | Nearly Concentrated Value | Density | Unconcentrated Value | Density | Concentrated Value | Density | Nearly Concentrated Value | Density | Unconcentrated Value | Density | Concentrated Value | Density | Nearly Concentrated Value | Density | Unconcentrated Value | Density | Concentrated Value | Density | Nearly Concentrated Value | Density | Unconcentrated Value | Density | Concentrated Value | Density | Nearly Conenctrated Value | Density | Unconcentrated Value | Density | |
| 1 | -29.80144 | 0.00004 | -29.7308 | 0.00023 | -29.8912 | 0.00246 | -29.6413 | 0.00026 | -29.6621 | 0 | -29.7679 | 0.00105 | -29.6034 | 0.00001 | -29.7837 | 0.00005 | -29.8912 | 0.0023 | -29.6413 | 0.0003 | -29.6621 | 0 | -29.7679 | 0.00099 | -29.8014 | 0.00011 | -29.9538 | 0.00024 | -29.8912 | 0.0021 | -29.6413 | 0.00037 | -21.1941 | 0.00072 | -29.7679 | 0.00092 |
| 2 | -29.09945 | 0.00005 | -29.2802 | 0.00014 | -29.1374 | 0.00252 | -29.1042 | 0.00025 | -29.0948 | 0 | -28.5357 | 0.00082 | -29.1819 | 0.00003 | -29.2492 | 0.00005 | -29.1374 | 0.00234 | -29.1042 | 0.0003 | -29.0948 | 0 | -28.5357 | 0.00075 | -29.0995 | 0.00014 | -29.6159 | 0.00017 | -29.1374 | 0.00216 | -29.1042 | 0.00031 | -21.0136 | 0.00071 | -28.5357 | 0.00073 |
| 3 | -28.39747 | 0.00015 | -28.8297 | 0.0001 | -28.3835 | 0.00248 | -28.5671 | 0.00024 | -28.5276 | 0 | -27.3036 | 0.0005 | -28.7604 | 0.00007 | -28.7148 | 0.00009 | -28.3835 | 0.00232 | -28.5671 | 0.00029 | -28.5276 | 0 | -27.3036 | 0.00044 | -28.3975 | 0.0003 | -29.278 | 0.00011 | -28.3835 | 0.00211 | -28.5671 | 0.00019 | -20.8332 | 0.00067 | -27.3036 | 0.00051 |
| 4 | -27.69548 | 0.00035 | -28.3792 | 0.0001 | -27.6296 | 0.00243 | -28.03 | 0.00025 | -27.9603 | 0 | -26.0714 | 0.00079 | -28.3388 | 0.00012 | -28.1803 | 0.00018 | -27.6296 | 0.00232 | -28.03 | 0.0003 | -27.9603 | 0 | -26.0714 | 0.00072 | -27.6955 | 0.00055 | -28.94 | 0.00007 | -27.6296 | 0.00206 | -28.03 | 0.00008 | -20.6528 | 0.00062 | -26.0714 | 0.0007 |
| 5 | -26.9935 | 0.00057 | -27.9287 | 0.00014 | -26.8758 | 0.00249 | -27.4929 | 0.00026 | -27.3931 | 0 | -24.8393 | 0.00117 | -27.9173 | 0.00018 | -27.6459 | 0.0003 | -26.8758 | 0.00241 | -27.4929 | 0.0003 | -27.3931 | 0 | -24.8393 | 0.00108 | -26.9935 | 0.0008 | -28.6021 | 0.00004 | -26.8758 | 0.00216 | -27.4929 | 0.00003 | -20.4724 | 0.00056 | -24.8393 | 0.001 |
| 6 | -26.29151 | 0.00067 | -27.4782 | 0.00023 | -26.1219 | 0.00263 | -26.9558 | 0.00021 | -26.8259 | 0 | -23.6071 | 0.00125 | -27.4958 | 0.00024 | -27.1114 | 0.00046 | -26.1219 | 0.00254 | -26.9558 | 0.00024 | -26.8259 | 0 | -23.6071 | 0.00115 | -26.2915 | 0.00093 | -28.2642 | 0.00002 | -26.1219 | 0.00231 | -26.9558 | 0.00001 | -20.2919 | 0.00048 | -23.6071 | 0.00107 |
| 7 | -25.58953 | 0.0006 | -27.0276 | 0.00035 | -25.3681 | 0.00277 | -26.4187 | 0.00012 | -26.2586 | 0 | -22.375 | 0.00096 | -27.0742 | 0.00028 | -26.5769 | 0.00062 | -25.3681 | 0.00263 | -26.4187 | 0.00015 | -26.2586 | 0 | -22.375 | 0.00087 | -25.5895 | 0.0009 | -27.9263 | 0.00001 | -25.3681 | 0.00244 | -26.4187 | 0 | -20.1115 | 0.00041 | -22.375 | 0.00081 |
| 8 | -24.88754 | 0.00048 | -26.5771 | 0.0005 | -24.6142 | 0.00292 | -25.8817 | 0.00005 | -25.6914 | 0 | -21.1429 | 0.00085 | -26.6527 | 0.0003 | -26.0425 | 0.00077 | -24.6142 | 0.00272 | -25.8817 | 0.00006 | -25.6914 | 0 | -21.1429 | 0.00077 | -24.8875 | 0.00081 | -27.5883 | 0 | -24.6142 | 0.00256 | -25.8817 | 0 | -19.9311 | 0.00033 | -21.1429 | 0.00075 |
| 9 | -24.18556 | 0.00048 | -26.1266 | 0.00066 | -23.8603 | 0.00308 | -25.3446 | 0.00001 | -25.1241 | 0 | -19.9107 | 0.00113 | -26.2311 | 0.0003 | -25.508 | 0.0009 | -23.8603 | 0.00286 | -25.3446 | 0.00002 | -25.1241 | 0 | -19.9107 | 0.00102 | -24.1856 | 0.00083 | -27.2504 | 0 | -23.8603 | 0.00271 | -25.3446 | 0 | -19.7506 | 0.00026 | -19.9107 | 0.00112 |
| 10 | -23.48357 | 0.00069 | -25.6761 | 0.00079 | -23.1065 | 0.00322 | -24.8075 | 0 | -24.5569 | 0 | -18.6786 | 0.00157 | -25.8096 | 0.0003 | -24.9735 | 0.00103 | -23.1065 | 0.00304 | -24.8075 | 0.00001 | -24.5569 | 0 | -18.6786 | 0.00148 | -23.4836 | 0.00104 | -26.9125 | 0 | -23.1065 | 0.00286 | -24.8075 | 0 | -19.5702 | 0.0002 | -18.6786 | 0.0016 |
| 11 | -22.78158 | 0.00105 | -25.2256 | 0.00087 | -22.3526 | 0.00328 | -24.2704 | 0 | -23.9897 | 0 | -17.4464 | 0.00122 | -25.3881 | 0.0003 | -24.4391 | 0.00117 | -22.3526 | 0.0032 | -24.2704 | 0 | -23.9897 | 0.00001 | -17.4464 | 0.00107 | -22.7816 | 0.00143 | -26.5745 | 0 | -22.3526 | 0.00294 | -24.2704 | 0 | -19.3898 | 0.00015 | -17.4464 | 0.00111 |
| 12 | -22.0796 | 0.00143 | -24.7751 | 0.00092 | -21.5988 | 0.00338 | -23.7333 | 0 | -23.4224 | 0.00002 | -16.2143 | 0.00155 | -24.9665 | 0.0003 | -23.9046 | 0.00131 | -21.5988 | 0.0034 | -23.7333 | 0.00001 | -23.4224 | 0.00004 | -16.2143 | 0.00141 | -22.0796 | 0.00193 | -26.2366 | 0 | -21.5988 | 0.00303 | -23.7333 | 0 | -19.2094 | 0.00011 | -16.2143 | 0.00145 |
| 13 | -21.37761 | 0.00179 | -24.3245 | 0.00093 | -20.8449 | 0.00369 | -23.1962 | 0.00001 | -22.8552 | 0.00007 | -14.9821 | 0.00224 | -24.545 | 0.00031 | -23.3702 | 0.00142 | -20.8449 | 0.00373 | -23.1962 | 0.00002 | -22.8552 | 0.00011 | -14.9821 | 0.00203 | -21.3776 | 0.00251 | -25.8987 | 0.00001 | -20.8449 | 0.00332 | -23.1962 | 0 | -19.0289 | 0.00008 | -14.9821 | 0.00213 |
| 14 | -20.67563 | 0.00226 | -23.874 | 0.00095 | -20.0911 | 0.00427 | -22.6591 | 0.00005 | -22.2879 | 0.00018 | -13.75 | 0.00307 | -24.1235 | 0.00033 | -22.8357 | 0.00147 | -20.0911 | 0.00427 | -22.6591 | 0.00006 | -22.2879 | 0.00024 | -13.75 | 0.00285 | -20.6756 | 0.00322 | -25.5607 | 0.00001 | -20.0911 | 0.0039 | -22.6591 | 0 | -18.8485 | 0.00006 | -13.75 | 0.00298 |
| 15 | -19.97364 | 0.00295 | -23.4235 | 0.00102 | -19.3372 | 0.00502 | -22.122 | 0.00012 | -21.7207 | 0.00035 | -12.5179 | 0.00365 | -23.7019 | 0.0004 | -22.3012 | 0.00147 | -19.3372 | 0.00496 | -22.122 | 0.00015 | -21.7207 | 0.00041 | -12.5179 | 0.00343 | -19.9736 | 0.00411 | -25.2228 | 0.00003 | -19.3372 | 0.00463 | -22.122 | 0 | -18.6681 | 0.00004 | -12.5179 | 0.00339 |
| 16 | -19.27166 | 0.0038 | -22.973 | 0.00116 | -18.5833 | 0.00571 | -21.5849 | 0.00021 | -21.1534 | 0.00052 | -11.2857 | 0.00447 | -23.2804 | 0.00055 | -21.7668 | 0.00144 | -18.5833 | 0.00567 | -21.5849 | 0.00024 | -21.1534 | 0.00057 | -11.2857 | 0.00411 | -19.2717 | 0.00519 | -24.8849 | 0.00005 | -18.5833 | 0.00524 | -21.5849 | 0 | -18.4876 | 0.00003 | -11.2857 | 0.00422 |
| 17 | -18.56967 | 0.00471 | -22.5225 | 0.00137 | -17.8295 | 0.00621 | -21.0478 | 0.00027 | -20.5862 | 0.0006 | -10.0536 | 0.00547 | -22.8589 | 0.00074 | -21.2323 | 0.00145 | -17.8295 | 0.00628 | -21.0478 | 0.0003 | -20.5862 | 0.00064 | -10.0536 | 0.00504 | -18.5697 | 0.00642 | -24.5469 | 0.00009 | -17.8295 | 0.00563 | -21.0478 | 0 | -18.3072 | 0.00003 | -10.0536 | 0.00523 |
| 18 | -17.86769 | 0.00583 | -22.072 | 0.00159 | -17.0756 | 0.00662 | -20.5108 | 0.00027 | -20.019 | 0.00052 | -8.82143 | 0.00651 | -22.4373 | 0.00096 | -20.6978 | 0.00154 | -17.0756 | 0.00686 | -20.5108 | 0.00033 | -20.019 | 0.00057 | -8.82143 | 0.00599 | -17.8677 | 0.00784 | -24.209 | 0.00015 | -17.0756 | 0.00598 | -20.5108 | 0.00001 | -18.1268 | 0.00004 | -8.82143 | 0.0064 |
| 19 | -17.1657 | 0.00732 | -21.6214 | 0.00178 | -16.3218 | 0.00712 | -19.9737 | 0.0003 | -19.4517 | 0.00035 | -7.58929 | 0.00902 | -22.0158 | 0.00117 | -20.1634 | 0.00172 | -16.3218 | 0.00749 | -19.9737 | 0.00038 | -19.4517 | 0.00041 | -7.58929 | 0.00844 | -17.1657 | 0.0095 | -23.8711 | 0.00024 | -16.3218 | 0.00647 | -19.9737 | 0.00003 | -17.9464 | 0.00006 | -7.58929 | 0.00902 |
| 20 | -16.46371 | 0.00905 | -21.1709 | 0.00191 | -15.5679 | 0.00769 | -19.4366 | 0.00044 | -18.8845 | 0.00018 | -6.35714 | 0.01273 | -21.5942 | 0.00136 | -19.6289 | 0.00195 | -15.5679 | 0.00811 | -19.4366 | 0.00054 | -18.8845 | 0.00025 | -6.35714 | 0.01227 | -16.4637 | 0.01144 | -23.5331 | 0.00036 | -15.5679 | 0.00706 | -19.4366 | 0.00012 | -17.7659 | 0.00008 | -6.35714 | 0.0124 |
| 21 | -15.76173 | 0.01072 | -20.7204 | 0.00197 | -14.814 | 0.0083 | -18.8995 | 0.00065 | -18.3172 | 0.00009 | -5.125 | 0.01884 | -21.1727 | 0.00156 | -19.0945 | 0.00215 | -14.814 | 0.00875 | -18.8995 | 0.00077 | -18.3172 | 0.00015 | -5.125 | 0.0182 | -15.7617 | 0.0136 | -23.1952 | 0.0005 | -14.814 | 0.00781 | -18.8995 | 0.00031 | -17.5855 | 0.00011 | -5.125 | 0.01813 |
| 22 | -15.05974 | 0.01231 | -20.2699 | 0.00199 | -14.0602 | 0.00904 | -18.3624 | 0.00086 | -17.75 | 0.00009 | -3.89286 | 0.02929 | -20.7512 | 0.00183 | -18.56 | 0.00226 | -14.0602 | 0.00961 | -18.3624 | 0.001 | -17.75 | 0.00016 | -3.89286 | 0.02943 | -15.0597 | 0.01586 | -22.8573 | 0.00066 | -14.0602 | 0.00884 | -18.3624 | 0.00064 | -17.4051 | 0.00016 | -3.89286 | 0.02872 |
| 23 | -14.35776 | 0.01398 | -19.8194 | 0.002 | -13.3063 | 0.01013 | -17.8253 | 0.00101 | -17.1828 | 0.0002 | -2.66071 | 0.04235 | -20.3296 | 0.0022 | -18.0255 | 0.00227 | -13.3063 | 0.01094 | -17.8253 | 0.00119 | -17.1828 | 0.00029 | -2.66071 | 0.04382 | -14.3578 | 0.01818 | -22.5194 | 0.00082 | -13.3063 | 0.01016 | -17.8253 | 0.00104 | -17.2247 | 0.00021 | -2.66071 | 0.04227 |
| 24 | -13.65577 | 0.01589 | -19.3688 | 0.00202 | -12.5525 | 0.01179 | -17.2882 | 0.00113 | -16.6155 | 0.00042 | -1.42857 | 0.05869 | -19.9081 | 0.00265 | -17.4911 | 0.00227 | -12.5525 | 0.01287 | -17.2882 | 0.00133 | -16.6155 | 0.00054 | -1.42857 | 0.06179 | -13.6558 | 0.02084 | -22.1814 | 0.00096 | -12.5525 | 0.012 | -17.2882 | 0.0014 | -17.0442 | 0.00028 | -1.42857 | 0.05906 |
| 25 | -12.95379 | 0.01869 | -18.9183 | 0.00205 | -11.7986 | 0.01392 | -16.7511 | 0.00122 | -16.0483 | 0.00072 | -0.19643 | 0.07203 | -19.4866 | 0.00314 | -16.9566 | 0.00242 | -11.7986 | 0.01522 | -16.7511 | 0.00143 | -16.0483 | 0.00085 | -0.19643 | 0.07659 | -12.9538 | 0.02444 | -21.8435 | 0.00106 | -11.7986 | 0.01442 | -16.7511 | 0.00159 | -16.8638 | 0.00037 | -0.19643 | 0.07356 |
| 26 | -12.2518 | 0.02313 | -18.4678 | 0.00208 | -11.0448 | 0.01602 | -16.214 | 0.00126 | -15.481 | 0.00101 | 1.03571 | 0.07754 | -19.065 | 0.00365 | -16.4222 | 0.00293 | -11.0448 | 0.01748 | -16.214 | 0.00147 | -15.481 | 0.00117 | 1.03571 | 0.08077 | -12.2518 | 0.02942 | -21.5056 | 0.00112 | -11.0448 | 0.01691 | -16.214 | 0.00155 | -16.6834 | 0.00046 | 1.03571 | 0.07911 |
| 27 | -11.54982 | 0.02895 | -18.0173 | 0.00211 | -10.2909 | 0.01787 | -15.677 | 0.00122 | -14.9138 | 0.00123 | 2.26786 | 0.07578 | -18.6435 | 0.00417 | -15.8877 | 0.004 | -10.2909 | 0.01947 | -15.677 | 0.00145 | -14.9138 | 0.00141 | 2.26786 | 0.07852 | -11.5498 | 0.03558 | -21.1676 | 0.00112 | -10.2909 | 0.01926 | -15.677 | 0.00137 | -16.5029 | 0.00056 | 2.26786 | 0.07741 |
| 28 | -10.84783 | 0.0355 | -17.5668 | 0.00216 | -9.53704 | 0.01979 | -15.1399 | 0.00123 | -14.3466 | 0.00134 | 3.5 | 0.06422 | -18.222 | 0.00475 | -15.3532 | 0.00571 | -9.53704 | 0.02152 | -15.1399 | 0.0015 | -14.3466 | 0.00156 | 3.5 | 0.06517 | -10.8478 | 0.04238 | -20.8297 | 0.00109 | -9.53704 | 0.02171 | -15.1399 | 0.00123 | -16.3225 | 0.00067 | 3.5 | 0.0658 |
| 29 | -10.14584 | 0.04266 | -17.1163 | 0.00228 | -8.78318 | 0.02202 | -14.6028 | 0.00144 | -13.7793 | 0.00138 | 4.73214 | 0.04918 | -17.8004 | 0.00541 | -14.8188 | 0.00787 | -8.78318 | 0.02383 | -14.6028 | 0.00174 | -13.7793 | 0.00165 | 4.73214 | 0.04854 | -10.1458 | 0.04948 | -20.4918 | 0.00104 | -8.78318 | 0.02426 | -14.6028 | 0.00133 | -16.1421 | 0.00077 | 4.73214 | 0.04971 |
| 30 | -9.44386 | 0.0502 | -16.6657 | 0.00254 | -8.02932 | 0.02466 | -14.0657 | 0.00187 | -13.2121 | 0.00144 | 5.96429 | 0.03792 | -17.3789 | 0.00619 | -14.2843 | 0.01014 | -8.02932 | 0.0264 | -14.0657 | 0.00216 | -13.2121 | 0.00177 | 5.96429 | 0.03726 | -9.44386 | 0.05673 | -20.1538 | 0.00101 | -8.02932 | 0.02714 | -14.0657 | 0.00173 | -15.9617 | 0.00087 | 5.96429 | 0.03912 |
| 31 | -8.74187 | 0.05769 | -16.2152 | 0.00302 | -7.27546 | 0.02813 | -13.5286 | 0.00234 | -12.6448 | 0.00163 | 7.19643 | 0.03024 | -16.9573 | 0.00706 | -13.7498 | 0.01215 | -7.27546 | 0.02962 | -13.5286 | 0.00257 | -12.6448 | 0.00199 | 7.19643 | 0.02957 | -8.74187 | 0.06381 | -19.8159 | 0.00102 | -7.27546 | 0.0313 | -13.5286 | 0.00233 | -15.7812 | 0.00097 | 7.19643 | 0.032 |
| 32 | -8.03989 | 0.06485 | -15.7647 | 0.00382 | -6.52161 | 0.03291 | -12.9915 | 0.00261 | -12.0776 | 0.00197 | 8.42857 | 0.02432 | -16.5358 | 0.00797 | -13.2154 | 0.01373 | -6.52161 | 0.0341 | -12.9915 | 0.00277 | -12.0776 | 0.00232 | 8.42857 | 0.02347 | -8.03989 | 0.07006 | -19.478 | 0.0011 | -6.52161 | 0.03744 | -12.9915 | 0.00286 | -15.6008 | 0.00105 | 8.42857 | 0.02502 |
| 33 | -7.3379 | 0.07125 | -15.3142 | 0.00495 | -5.76775 | 0.03882 | -12.4544 | 0.00258 | -11.5103 | 0.00234 | 9.66071 | 0.01934 | -16.1143 | 0.00886 | -12.6809 | 0.01501 | -5.76775 | 0.03982 | -12.4544 | 0.00275 | -11.5103 | 0.00263 | 9.66071 | 0.01846 | -7.3379 | 0.07459 | -19.14 | 0.00125 | -5.76775 | 0.04501 | -12.4544 | 0.00316 | -15.4204 | 0.00111 | 9.66071 | 0.01924 |
| 34 | -6.63592 | 0.07654 | -14.8637 | 0.00636 | -5.01389 | 0.04496 | -11.9173 | 0.00245 | -10.9431 | 0.00262 | 10.89286 | 0.0165 | -15.6927 | 0.00974 | -12.1465 | 0.01631 | -5.01389 | 0.04588 | -11.9173 | 0.00271 | -10.9431 | 0.00281 | 10.89286 | 0.01579 | -6.63592 | 0.07685 | -18.8021 | 0.00149 | -5.01389 | 0.05217 | -11.9173 | 0.00323 | -15.2399 | 0.00116 | 10.89286 | 0.01642 |
| 35 | -5.93393 | 0.08097 | -14.4132 | 0.0079 | -4.26003 | 0.05038 | -11.3802 | 0.00249 | -10.3759 | 0.00276 | 12.125 | 0.01422 | -15.2712 | 0.01064 | -11.612 | 0.01799 | -4.26003 | 0.05115 | -11.3802 | 0.00288 | -10.3759 | 0.00283 | 12.125 | 0.01372 | -5.93393 | 0.07706 | -18.4642 | 0.0018 | -4.26003 | 0.05732 | -11.3802 | 0.00323 | -15.0595 | 0.00118 | 12.125 | 0.01396 |
| 36 | -5.23195 | 0.08427 | -13.9626 | 0.00939 | -3.50617 | 0.05484 | -10.8431 | 0.00284 | -9.80861 | 0.00283 | 13.35714 | 0.01293 | -14.8497 | 0.01162 | -11.0775 | 0.02027 | -3.50617 | 0.05519 | -10.8431 | 0.00334 | -9.80861 | 0.00282 | 13.35714 | 0.01252 | -5.23195 | 0.07571 | -18.1262 | 0.00218 | -3.50617 | 0.06058 | -10.8431 | 0.00325 | -14.8791 | 0.00118 | 13.35714 | 0.0124 |
| 37 | -4.52996 | 0.08477 | -13.5121 | 0.0107 | -2.75232 | 0.05839 | -10.3061 | 0.00337 | -9.24137 | 0.00296 | 14.58929 | 0.01161 | -14.4281 | 0.0127 | -10.5431 | 0.02324 | -2.75232 | 0.05813 | -10.3061 | 0.00399 | -9.24137 | 0.00298 | 14.58929 | 0.01138 | -4.52996 | 0.07281 | -17.7883 | 0.00262 | -2.75232 | 0.06278 | -10.3061 | 0.00325 | -14.6987 | 0.00116 | 14.58929 | 0.01084 |
| 38 | -3.82797 | 0.08082 | -13.0616 | 0.01181 | -1.99846 | 0.06045 | -9.76896 | 0.00399 | -8.67413 | 0.00338 | 15.82143 | 0.0092 | -14.0066 | 0.01386 | -10.0086 | 0.0268 | -1.99846 | 0.05972 | -9.76896 | 0.00475 | -8.67413 | 0.00354 | 15.82143 | 0.00892 | -3.82797 | 0.06789 | -17.4504 | 0.00309 | -1.99846 | 0.06357 | -9.76896 | 0.00326 | -14.5182 | 0.00111 | 15.82143 | 0.0087 |
| 39 | -3.12599 | 0.07295 | -12.6111 | 0.01284 | -1.2446 | 0.06009 | -9.23187 | 0.00476 | -8.10689 | 0.00429 | 17.05357 | 0.00694 | -13.5851 | 0.01514 | -9.47415 | 0.03085 | -1.2446 | 0.05924 | -9.23187 | 0.00569 | -8.10689 | 0.0046 | 17.05357 | 0.00674 | -3.12599 | 0.06108 | -17.1125 | 0.00359 | -1.2446 | 0.06179 | -9.23187 | 0.00354 | -14.3378 | 0.00105 | 17.05357 | 0.00633 |
| 40 | -2.424 | 0.0636 | -12.1606 | 0.01403 | -0.49074 | 0.05739 | -8.69478 | 0.00583 | -7.53965 | 0.00577 | 18.28572 | 0.00601 | -13.1635 | 0.01665 | -8.93969 | 0.03535 | -0.49074 | 0.05661 | -8.69478 | 0.00692 | -7.53965 | 0.00612 | 18.28572 | 0.00567 | -2.424 | 0.05356 | -16.7745 | 0.00409 | -0.49074 | 0.0576 | -8.69478 | 0.0044 | -14.1574 | 0.00097 | 18.28572 | 0.00549 |
| 41 | -1.72202 | 0.05483 | -11.7101 | 0.01558 | 0.26312 | 0.05355 | -8.15769 | 0.00727 | -6.97241 | 0.0077 | 19.51786 | 0.00599 | -12.742 | 0.01858 | -8.40522 | 0.04036 | 0.26312 | 0.0528 | -8.15769 | 0.00847 | -6.97241 | 0.00798 | 19.51786 | 0.00561 | -1.72202 | 0.04666 | -16.4366 | 0.00461 | 0.26312 | 0.05266 | -8.15769 | 0.00604 | -13.9769 | 0.00088 | 19.51786 | 0.00607 |
| 42 | -1.02003 | 0.04742 | -11.2595 | 0.01765 | 1.01698 | 0.04932 | -7.6206 | 0.00899 | -6.40517 | 0.00989 | 20.75 | 0.00489 | -12.3204 | 0.02106 | -7.87076 | 0.04603 | 1.01698 | 0.04852 | -7.6206 | 0.01014 | -6.40517 | 0.01014 | 20.75 | 0.00457 | -1.02003 | 0.04086 | -16.0987 | 0.00514 | 1.01698 | 0.04794 | -7.6206 | 0.00839 | -13.7965 | 0.00078 | 20.75 | 0.00506 |
| 43 | -0.31805 | 0.04136 | -10.809 | 0.02022 | 1.77083 | 0.04471 | -7.08352 | 0.01061 | -5.83792 | 0.01219 | 21.98214 | 0.00448 | -11.8989 | 0.02416 | -7.3363 | 0.0524 | 1.77083 | 0.04383 | -7.08352 | 0.01168 | -5.83792 | 0.01276 | 21.98214 | 0.00425 | -0.31805 | 0.03573 | -15.7607 | 0.00568 | 1.77083 | 0.04315 | -7.08352 | 0.01106 | -13.6161 | 0.00067 | 21.98214 | 0.0044 |
| 44 | 0.38394 | 0.03605 | -10.3585 | 0.02315 | 2.52469 | 0.04 | -6.54643 | 0.01201 | -5.27068 | 0.01479 | 23.21428 | 0.00403 | -11.4774 | 0.02788 | -6.80184 | 0.05937 | 2.52469 | 0.03905 | -6.54643 | 0.01313 | -5.27068 | 0.01626 | 23.21428 | 0.00372 | 0.38394 | 0.03077 | -15.4228 | 0.00625 | 2.52469 | 0.03832 | -6.54643 | 0.01368 | -13.4357 | 0.00058 | 23.21428 | 0.00384 |
| 45 | 1.08593 | 0.03076 | -9.90798 | 0.02623 | 3.27855 | 0.03581 | -6.00934 | 0.01373 | -4.70344 | 0.01833 | 24.44643 | 0.00356 | -11.0558 | 0.03217 | -6.26738 | 0.06658 | 3.27855 | 0.03476 | -6.00934 | 0.01501 | -4.70344 | 0.02121 | 24.44643 | 0.00322 | 1.08593 | 0.02591 | -15.0849 | 0.00684 | 3.27855 | 0.03404 | -6.00934 | 0.01643 | -13.2552 | 0.00049 | 24.44643 | 0.00354 |
| 46 | 1.78791 | 0.02546 | -9.45746 | 0.02935 | 4.03241 | 0.03209 | -5.47225 | 0.01674 | -4.1362 | 0.02365 | 25.67857 | 0.00376 | -10.6343 | 0.03693 | -5.73292 | 0.07347 | 4.03241 | 0.03097 | -5.47225 | 0.01802 | -4.1362 | 0.02798 | 25.67857 | 0.00345 | 1.78791 | 0.02142 | -14.7469 | 0.00744 | 4.03241 | 0.03026 | -5.47225 | 0.02006 | -13.0748 | 0.00041 | 25.67857 | 0.0038 |
| 47 | 2.4899 | 0.02063 | -9.00694 | 0.03253 | 4.78627 | 0.02821 | -4.93516 | 0.02162 | -3.56896 | 0.03149 | 26.91072 | 0.00366 | -10.2128 | 0.04194 | -5.19845 | 0.07933 | 4.78627 | 0.02716 | -4.93516 | 0.02244 | -3.56896 | 0.03646 | 26.91072 | 0.00338 | 2.4899 | 0.0175 | -14.409 | 0.00803 | 4.78627 | 0.0263 | -4.93516 | 0.02535 | -12.8944 | 0.00035 | 26.91072 | 0.00331 |
| 48 | 3.19188 | 0.01639 | -8.55643 | 0.03591 | 5.54012 | 0.02396 | -4.39807 | 0.02822 | -3.00172 | 0.04215 | 28.14286 | 0.00345 | -9.79122 | 0.04698 | -4.66399 | 0.08347 | 5.54012 | 0.02314 | -4.39807 | 0.02829 | -3.00172 | 0.0463 | 28.14286 | 0.00327 | 3.19188 | 0.01409 | -14.0711 | 0.0086 | 5.54012 | 0.02203 | -4.39807 | 0.03262 | -12.7139 | 0.00032 | 28.14286 | 0.00311 |
| 49 | 3.89387 | 0.01268 | -8.10591 | 0.0397 | 6.29398 | 0.02003 | -3.86098 | 0.03635 | -2.43448 | 0.05508 | 29.375 | 0.00314 | -9.36969 | 0.05191 | -4.12953 | 0.08547 | 6.29398 | 0.01954 | -3.86098 | 0.0357 | -2.43448 | 0.05711 | 29.375 | 0.00295 | 3.89387 | 0.01125 | -13.7331 | 0.00914 | 6.29398 | 0.01819 | -3.86098 | 0.04162 | -12.5335 | 0.00032 | 29.375 | 0.00297 |
| 50 | 4.59585 | 0.0097 | -7.65539 | 0.04408 | 7.04784 | 0.01732 | -3.32389 | 0.0459 | -1.86723 | 0.06866 | -8.94815 | 0.05671 | -3.59507 | 0.08533 | 7.04784 | 0.01709 | -3.32389 | 0.04468 | -1.86723 | 0.06831 | 4.59585 | 0.0091 | -13.3952 | 0.0097 | 7.04784 | 0.01565 | -3.32389 | 0.05174 | -12.3531 | 0.00035 | ||||||
| 51 | 5.29784 | 0.0077 | -7.20487 | 0.0491 | 7.8017 | 0.01589 | -2.7868 | 0.05604 | -1.29999 | 0.0807 | -8.52661 | 0.06145 | -3.06061 | 0.08337 | 7.8017 | 0.01571 | -2.7868 | 0.05439 | -1.29999 | 0.07875 | 5.29784 | 0.0077 | -13.0573 | 0.01034 | 7.8017 | 0.01441 | -2.7868 | 0.06218 | -12.1727 | 0.00041 | ||||||
| 52 | 5.99983 | 0.00657 | -6.75436 | 0.05468 | 8.55556 | 0.01505 | -2.24971 | 0.06552 | -0.73275 | 0.0896 | -8.10508 | 0.06613 | -2.52615 | 0.08001 | 8.55556 | 0.01475 | -2.24971 | 0.06344 | -0.73275 | 0.08691 | 5.99983 | 0.00687 | -12.7193 | 0.01113 | 8.55556 | 0.0138 | -2.24971 | 0.07249 | -11.9922 | 0.00051 | ||||||
| 53 | 6.70181 | 0.00586 | -6.30384 | 0.06059 | 9.30941 | 0.01418 | -1.71262 | 0.074 | -0.16551 | 0.09494 | -7.68354 | 0.07062 | -1.99168 | 0.07555 | 9.30941 | 0.01377 | -1.71262 | 0.07116 | -0.16551 | 0.09161 | 6.70181 | 0.00643 | -12.3814 | 0.01218 | 9.30941 | 0.01313 | -1.71262 | 0.08277 | -11.8118 | 0.00065 | ||||||
| 54 | 7.4038 | 0.00536 | -5.85332 | 0.06648 | 10.06327 | 0.01312 | -1.17553 | 0.08206 | 0.40173 | 0.09719 | -7.262 | 0.07476 | -1.45722 | 0.07019 | 10.06327 | 0.01269 | -1.17553 | 0.07803 | 0.40173 | 0.09277 | 7.4038 | 0.00623 | -12.0435 | 0.01355 | 10.06327 | 0.01215 | -1.17553 | 0.0928 | -11.6314 | 0.00083 | ||||||
| 55 | 8.10578 | 0.00504 | -5.4028 | 0.07193 | 10.81713 | 0.01191 | -0.63844 | 0.09 | 0.96897 | 0.09709 | -6.84047 | 0.07843 | -0.92276 | 0.06406 | 10.81713 | 0.01154 | -0.63844 | 0.08494 | 0.96897 | 0.09141 | 8.10578 | 0.00608 | -11.7055 | 0.0153 | 10.81713 | 0.011 | -0.63844 | 0.10121 | -11.4509 | 0.00104 | ||||||
| 56 | 8.80777 | 0.00475 | -4.95229 | 0.07652 | 11.57099 | 0.01064 | -0.10135 | 0.09661 | 1.53622 | 0.09528 | -6.41893 | 0.08164 | -0.3883 | 0.05744 | 11.57099 | 0.01034 | -0.10135 | 0.09151 | 1.53622 | 0.08884 | 8.80777 | 0.00577 | -11.3676 | 0.01743 | 11.57099 | 0.00983 | -0.10135 | 0.10575 | -11.2705 | 0.00129 | ||||||
| 57 | 9.50975 | 0.00433 | -4.50177 | 0.07996 | 12.32485 | 0.0094 | 0.43574 | 0.09975 | 2.10346 | 0.09202 | -5.9974 | 0.08443 | 0.14616 | 0.05076 | 12.32485 | 0.00917 | 0.43574 | 0.09577 | 2.10346 | 0.08557 | 9.50975 | 0.00522 | -11.0297 | 0.01993 | 12.32485 | 0.00869 | 0.43574 | 0.10504 | -11.0901 | 0.00158 | ||||||
| 58 | 10.21174 | 0.0037 | -4.05125 | 0.08212 | 13.0787 | 0.00817 | 0.97283 | 0.09851 | 2.6707 | 0.08689 | -5.57586 | 0.08673 | 0.68063 | 0.04451 | 13.0787 | 0.00804 | 0.97283 | 0.09593 | 2.6707 | 0.08112 | 10.21174 | 0.00448 | -10.6918 | 0.02274 | 13.0787 | 0.00752 | 0.97283 | 0.10007 | -10.9097 | 0.00189 | ||||||
| 59 | 10.91372 | 0.00291 | -3.60073 | 0.08309 | 13.83256 | 0.00701 | 1.50992 | 0.09398 | 3.23794 | 0.07939 | -5.15432 | 0.08832 | 1.21509 | 0.03904 | 13.83256 | 0.00697 | 1.50992 | 0.09208 | 3.23794 | 0.07486 | 10.91372 | 0.00364 | -10.3538 | 0.02583 | 13.83256 | 0.00636 | 1.50992 | 0.09325 | -10.7292 | 0.00222 | ||||||
| 60 | 11.61571 | 0.00223 | -3.15022 | 0.08299 | 14.58642 | 0.00616 | 2.04701 | 0.08767 | 3.80518 | 0.06983 | -4.73279 | 0.08886 | 1.74955 | 0.03444 | 14.58642 | 0.00616 | 2.04701 | 0.08561 | 3.80518 | 0.06685 | 11.61571 | 0.00291 | -10.0159 | 0.02917 | 14.58642 | 0.00553 | 2.04701 | 0.08608 | -10.5488 | 0.00257 | ||||||
| 61 | 12.3177 | 0.00193 | -2.6997 | 0.08194 | 15.34028 | 0.00574 | 2.5841 | 0.08004 | 4.37242 | 0.05941 | -4.31125 | 0.08795 | 2.28401 | 0.03053 | 15.34028 | 0.00575 | 2.5841 | 0.07788 | 4.37242 | 0.05798 | 12.3177 | 0.00251 | -9.67795 | 0.03275 | 15.34028 | 0.00523 | 2.5841 | 0.07829 | -10.3684 | 0.00292 | ||||||
| 62 | 13.01968 | 0.00201 | -2.24918 | 0.07994 | 16.09414 | 0.0054 | 3.12119 | 0.07147 | 4.93966 | 0.04965 | -3.88971 | 0.08541 | 2.81847 | 0.02704 | 16.09414 | 0.00546 | 3.12119 | 0.06994 | 4.93966 | 0.04943 | 13.01968 | 0.00248 | -9.34002 | 0.03657 | 16.09414 | 0.00498 | 3.12119 | 0.06957 | -10.1879 | 0.00328 | ||||||
| 63 | 13.72167 | 0.0022 | -1.79866 | 0.07694 | 16.84799 | 0.00476 | 3.65828 | 0.06287 | 5.50691 | 0.04189 | -3.46818 | 0.08139 | 3.35294 | 0.02373 | 16.84799 | 0.00488 | 3.65828 | 0.06257 | 5.50691 | 0.04225 | 13.72167 | 0.00258 | -9.00209 | 0.04063 | 16.84799 | 0.00431 | 3.65828 | 0.06065 | -10.0075 | 0.00363 | ||||||
| 64 | 14.42365 | 0.00223 | -1.34815 | 0.07293 | 17.60185 | 0.00392 | 4.19537 | 0.05493 | 6.07415 | 0.03671 | -3.04664 | 0.07639 | 3.8874 | 0.02047 | 17.60185 | 0.00401 | 4.19537 | 0.05586 | 6.07415 | 0.03693 | 14.42365 | 0.00253 | -8.66416 | 0.04489 | 17.60185 | 0.00342 | 4.19537 | 0.05221 | -9.82708 | 0.00396 | ||||||
| 65 | 15.12564 | 0.00212 | -0.89763 | 0.068 | 18.35571 | 0.00322 | 4.73245 | 0.04794 | 6.64139 | 0.03349 | -2.6251 | 0.07097 | 4.42186 | 0.01731 | 18.35571 | 0.00322 | 4.73245 | 0.0496 | 6.64139 | 0.03318 | 15.12564 | 0.00237 | -8.32623 | 0.04929 | 18.35571 | 0.00277 | 4.73245 | 0.04447 | -9.64665 | 0.00428 | ||||||
| 66 | 15.82762 | 0.00209 | -0.44711 | 0.06242 | 19.10957 | 0.00281 | 5.26954 | 0.04233 | 7.20863 | 0.03064 | -2.20357 | 0.0655 | 4.95632 | 0.01442 | 19.10957 | 0.00276 | 5.26954 | 0.0441 | 7.20863 | 0.03004 | 15.82762 | 0.00229 | -7.9883 | 0.0537 | 19.10957 | 0.00247 | 5.26954 | 0.03783 | -9.46623 | 0.00456 | ||||||
| 67 | 16.52961 | 0.00218 | 0.00341 | 0.05653 | 19.86343 | 0.00259 | 5.80663 | 0.0383 | 7.77587 | 0.02692 | -1.78203 | 0.06007 | 5.49078 | 0.01201 | 19.86343 | 0.00254 | 5.80663 | 0.03995 | 7.77587 | 0.0266 | 16.52961 | 0.00235 | -7.65037 | 0.05803 | 19.86343 | 0.00233 | 5.80663 | 0.0328 | -9.2858 | 0.00482 | ||||||
| 68 | 17.23159 | 0.00211 | 0.45392 | 0.05075 | 20.61728 | 0.00244 | 6.34372 | 0.03541 | 8.34311 | 0.02244 | -1.3605 | 0.05471 | 6.02524 | 0.01018 | 20.61728 | 0.00239 | 6.34372 | 0.03709 | 8.34311 | 0.02276 | 17.23159 | 0.00237 | -7.31243 | 0.0622 | 20.61728 | 0.00222 | 6.34372 | 0.02926 | -9.10537 | 0.00503 | ||||||
| 69 | 17.93358 | 0.00177 | 0.90444 | 0.04539 | 21.37114 | 0.00242 | 6.88081 | 0.0328 | 8.91035 | 0.01824 | -0.93896 | 0.04951 | 6.55971 | 0.00894 | 21.37114 | 0.00235 | 6.88081 | 0.03465 | 8.91035 | 0.01919 | 17.93358 | 0.00222 | -6.9745 | 0.06618 | 21.37114 | 0.0022 | 6.88081 | 0.02646 | -8.92494 | 0.00522 | ||||||
| 70 | 18.63556 | 0.00143 | 1.35496 | 0.04061 | 22.125 | 0.00263 | 7.4179 | 0.02982 | 9.4776 | 0.0152 | -0.51742 | 0.0447 | 7.09417 | 0.0082 | 22.125 | 0.00253 | 7.4179 | 0.0318 | 9.4776 | 0.0166 | 18.63556 | 0.002 | -6.63657 | 0.07 | 22.125 | 0.00239 | 7.4179 | 0.02362 | -8.74451 | 0.00537 | ||||||
| 71 | 19.33755 | 0.00139 | 1.80548 | 0.03641 | 22.87886 | 0.00298 | 7.95499 | 0.02642 | 10.04484 | 0.01343 | -0.09589 | 0.04042 | 7.62863 | 0.00785 | 22.87886 | 0.00285 | 7.95499 | 0.0284 | 10.04484 | 0.0152 | 19.33755 | 0.00187 | -6.29864 | 0.07369 | 22.87886 | 0.00268 | 7.95499 | 0.02066 | -8.56408 | 0.00551 | ||||||
| 72 | 20.03954 | 0.00156 | 2.256 | 0.03269 | 23.63272 | 0.00319 | 8.49208 | 0.02299 | 10.61208 | 0.01261 | 0.32565 | 0.03663 | 8.16309 | 0.00778 | 23.63272 | 0.00306 | 8.49208 | 0.02482 | 10.61208 | 0.01465 | 20.03954 | 0.0018 | -5.96071 | 0.07726 | 23.63272 | 0.00283 | 8.49208 | 0.01797 | -8.38366 | 0.00562 | ||||||
| 73 | 20.74152 | 0.00163 | 2.70651 | 0.0293 | 24.38657 | 0.00308 | 9.02917 | 0.01982 | 11.17932 | 0.01231 | 0.74719 | 0.03312 | 8.69755 | 0.00791 | 24.38657 | 0.00296 | 9.02917 | 0.02139 | 11.17932 | 0.0144 | 20.74152 | 0.00161 | -5.62278 | 0.08066 | 24.38657 | 0.0027 | 9.02917 | 0.01562 | -8.20323 | 0.00574 | ||||||
| 74 | 21.44351 | 0.00144 | 3.15703 | 0.0261 | 25.14043 | 0.00272 | 9.56626 | 0.01704 | 11.74656 | 0.01202 | 1.16872 | 0.02968 | 9.23201 | 0.0081 | 25.14043 | 0.00263 | 9.56626 | 0.01824 | 11.74656 | 0.01394 | 21.44351 | 0.00125 | -5.28485 | 0.08376 | 25.14043 | 0.00236 | 9.56626 | 0.0134 | -8.0228 | 0.00585 | ||||||
| 75 | 22.14549 | 0.00108 | 3.60755 | 0.02305 | 25.89429 | 0.00238 | 10.10335 | 0.01488 | 12.3138 | 0.0114 | 1.59026 | 0.02623 | 9.76648 | 0.00822 | 25.89429 | 0.00229 | 10.10335 | 0.0156 | 12.3138 | 0.013 | 22.14549 | 0.00086 | -4.94691 | 0.08636 | 25.89429 | 0.00207 | 10.10335 | 0.01153 | -7.84237 | 0.00598 | ||||||
| 76 | 22.84748 | 0.00074 | 4.05806 | 0.02017 | 26.64815 | 0.00216 | 10.64044 | 0.01337 | 12.88104 | 0.01047 | 2.0118 | 0.02284 | 10.30094 | 0.00818 | 26.64815 | 0.00205 | 10.64044 | 0.0135 | 12.88104 | 0.0116 | 22.84748 | 0.00065 | -4.60898 | 0.08823 | 26.64815 | 0.00189 | 10.64044 | 0.01046 | -7.66194 | 0.00612 | ||||||
| 77 | 23.54947 | 0.00059 | 4.50858 | 0.01757 | 27.40201 | 0.00197 | 11.17753 | 0.01204 | 13.44829 | 0.00947 | 2.43333 | 0.01968 | 10.8354 | 0.00795 | 27.40201 | 0.00185 | 11.17753 | 0.01169 | 13.44829 | 0.01 | 23.54947 | 0.00069 | -4.27105 | 0.08919 | 27.40201 | 0.00172 | 11.17753 | 0.01012 | -7.48151 | 0.00627 | ||||||
| 78 | 24.25145 | 0.00064 | 4.9591 | 0.01539 | 28.15586 | 0.00177 | 11.71462 | 0.01048 | 14.01553 | 0.00853 | 2.85487 | 0.01689 | 11.36986 | 0.00754 | 28.15586 | 0.00166 | 11.71462 | 0.00989 | 14.01553 | 0.00849 | 24.25145 | 0.00085 | -3.93312 | 0.08916 | 28.15586 | 0.00153 | 11.71462 | 0.00986 | -7.30109 | 0.00643 | ||||||
| 79 | 24.95344 | 0.00069 | 5.40962 | 0.01376 | 28.90972 | 0.00159 | 12.25171 | 0.00866 | 14.58277 | 0.00763 | 3.27641 | 0.01451 | 11.90432 | 0.00695 | 28.90972 | 0.00152 | 12.25171 | 0.00808 | 14.58277 | 0.00728 | 24.95344 | 0.00096 | -3.59519 | 0.08817 | 28.90972 | 0.0014 | 12.25171 | 0.00896 | -7.12066 | 0.00661 | ||||||
| 80 | 25.65542 | 0.00062 | 5.86014 | 0.01269 | 29.66358 | 0.00147 | 12.7888 | 0.00688 | 15.15001 | 0.00678 | 3.69794 | 0.01248 | 12.43878 | 0.0062 | 29.66358 | 0.00145 | 12.7888 | 0.00646 | 15.15001 | 0.00641 | 25.65542 | 0.00094 | -3.25726 | 0.08636 | 29.66358 | 0.00132 | 12.7888 | 0.0073 | -6.94023 | 0.0068 | ||||||
| 81 | 26.35741 | 0.00052 | 6.31065 | 0.01209 | 13.32589 | 0.00552 | 15.71725 | 0.00603 | 4.11948 | 0.01075 | 12.97325 | 0.00533 | 13.32589 | 0.00525 | 15.71725 | 0.00577 | 26.35741 | 0.00085 | -2.91933 | 0.08393 | 13.32589 | 0.0055 | -6.7598 | 0.00702 | ||||||||||||
| 82 | 27.05939 | 0.00048 | 6.76117 | 0.01178 | 13.86298 | 0.00477 | 16.28449 | 0.00526 | 4.54101 | 0.00926 | 13.50771 | 0.00443 | 13.86298 | 0.00454 | 16.28449 | 0.00517 | 27.05939 | 0.00078 | -2.58139 | 0.08111 | 13.86298 | 0.00429 | -6.57937 | 0.00728 | ||||||||||||
| 83 | 27.76138 | 0.00047 | 7.21169 | 0.01154 | 14.40007 | 0.00445 | 16.85173 | 0.00439 | 4.96255 | 0.00804 | 14.04217 | 0.00363 | 14.40007 | 0.00415 | 16.85173 | 0.00447 | 27.76138 | 0.00071 | -2.24346 | 0.07805 | 14.40007 | 0.00373 | -6.39894 | 0.00758 | ||||||||||||
| 84 | 28.46336 | 0.00041 | 7.6622 | 0.01123 | 14.93715 | 0.00418 | 17.41897 | 0.00362 | 5.38409 | 0.00707 | 14.57663 | 0.003 | 14.93715 | 0.00386 | 17.41897 | 0.00379 | 28.46336 | 0.00061 | -1.90553 | 0.07487 | 14.93715 | 0.0034 | -6.21852 | 0.00797 | ||||||||||||
| 85 | 29.16535 | 0.00029 | 8.11272 | 0.0108 | 15.47425 | 0.00386 | 17.98622 | 0.00325 | 5.80562 | 0.00632 | 15.11109 | 0.00255 | 15.47425 | 0.00363 | 17.98622 | 0.00338 | 29.16535 | 0.00048 | -1.5676 | 0.0716 | 15.47425 | 0.00306 | -6.03809 | 0.00845 | ||||||||||||
| 86 | 29.86733 | 0.0002 | 8.56324 | 0.01025 | 16.01133 | 0.00373 | 18.55346 | 0.00335 | 6.22716 | 0.00573 | 15.64556 | 0.0022 | 16.01133 | 0.00358 | 18.55346 | 0.00337 | 29.86733 | 0.00037 | -1.22967 | 0.06823 | 16.01133 | 0.00295 | -5.85766 | 0.00905 | ||||||||||||
| 87 | 9.01376 | 0.00965 | 16.54842 | 0.0039 | 19.1207 | 0.00367 | 6.6487 | 0.00525 | 16.18002 | 0.00188 | 16.54842 | 0.00372 | 19.1207 | 0.00364 | -0.89174 | 0.06474 | 16.54842 | 0.00319 | -5.67723 | 0.00979 | ||||||||||||||||
| 88 | 9.46427 | 0.00907 | 17.08551 | 0.00415 | 19.68794 | 0.00392 | 7.07023 | 0.00488 | 16.71448 | 0.00156 | 17.08551 | 0.0039 | 19.68794 | 0.00389 | -0.55381 | 0.06112 | 17.08551 | 0.00356 | -5.4968 | 0.01068 | ||||||||||||||||
| 89 | 9.91479 | 0.00855 | 17.6226 | 0.0041 | 20.25518 | 0.00391 | 7.49177 | 0.00462 | 17.24894 | 0.00127 | 17.6226 | 0.00388 | 20.25518 | 0.00389 | -0.21587 | 0.05738 | 17.6226 | 0.0036 | -5.31637 | 0.01174 | ||||||||||||||||
| 90 | 10.36531 | 0.00811 | 18.15969 | 0.0036 | 20.82242 | 0.00366 | 7.91331 | 0.00444 | 17.7834 | 0.00109 | 18.15969 | 0.00355 | 20.82242 | 0.00362 | 0.12206 | 0.05354 | 18.15969 | 0.0031 | -5.13595 | 0.01296 | ||||||||||||||||
| 91 | 10.81583 | 0.00775 | 18.69678 | 0.00283 | 21.38967 | 0.00329 | 8.33484 | 0.00427 | 18.31786 | 0.00106 | 18.69678 | 0.00303 | 21.38967 | 0.0033 | 0.45999 | 0.04963 | 18.69678 | 0.00229 | -4.95552 | 0.01435 | ||||||||||||||||
| 92 | 11.26634 | 0.00744 | 19.23387 | 0.00222 | 21.95691 | 0.00306 | 8.75638 | 0.00406 | 18.85233 | 0.00117 | 19.23387 | 0.00259 | 21.95691 | 0.00319 | 0.79792 | 0.04568 | 19.23387 | 0.00164 | -4.77509 | 0.01591 | ||||||||||||||||
| 93 | 11.71686 | 0.00713 | 19.77096 | 0.00207 | 22.52415 | 0.00312 | 9.17791 | 0.00377 | 19.38679 | 0.00137 | 19.77096 | 0.0025 | 22.52415 | 0.00339 | 1.13585 | 0.04173 | 19.77096 | 0.00143 | -4.59466 | 0.01765 | ||||||||||||||||
| 94 | 12.16738 | 0.00675 | 20.30805 | 0.0024 | 23.09139 | 0.00338 | 9.59945 | 0.00341 | 19.92125 | 0.00156 | 20.30805 | 0.00284 | 23.09139 | 0.00376 | 1.47378 | 0.03782 | 20.30805 | 0.00168 | -4.41423 | 0.01958 | ||||||||||||||||
| 95 | 12.6179 | 0.00627 | 20.84514 | 0.00305 | 23.65863 | 0.00358 | 10.02099 | 0.00299 | 20.45571 | 0.00166 | 20.84514 | 0.00344 | 23.65863 | 0.00406 | 1.81171 | 0.03399 | 20.84514 | 0.00222 | -4.2338 | 0.02174 | ||||||||||||||||
| 96 | 13.06841 | 0.00569 | 21.38223 | 0.00362 | 24.22587 | 0.00359 | 10.44252 | 0.00255 | 20.99017 | 0.00164 | 21.38223 | 0.00391 | 24.22587 | 0.00412 | 2.14965 | 0.03031 | 21.38223 | 0.00276 | -4.05337 | 0.02416 | ||||||||||||||||
| 97 | 13.51893 | 0.00504 | 21.91932 | 0.00364 | 24.79311 | 0.00341 | 10.86406 | 0.00214 | 21.52464 | 0.00152 | 21.91932 | 0.00388 | 24.79311 | 0.00391 | 2.48758 | 0.02684 | 21.91932 | 0.00296 | -3.87295 | 0.02687 | ||||||||||||||||
| 98 | 13.96945 | 0.00439 | 22.45641 | 0.00308 | 25.36036 | 0.00304 | 11.2856 | 0.0018 | 22.0591 | 0.00134 | 22.45641 | 0.00339 | 25.36036 | 0.00342 | 2.82551 | 0.02366 | 22.45641 | 0.00273 | -3.69252 | 0.02991 | ||||||||||||||||
| 99 | 14.41997 | 0.0038 | 22.9935 | 0.00243 | 25.9276 | 0.00249 | 11.70713 | 0.00157 | 22.59356 | 0.00115 | 22.9935 | 0.00281 | 25.9276 | 0.00271 | 3.16344 | 0.02078 | 22.9935 | 0.0023 | -3.51209 | 0.03332 | ||||||||||||||||
| 100 | 14.87048 | 0.00333 | 23.53059 | 0.00211 | 26.49484 | 0.00191 | 12.12867 | 0.00146 | 23.12802 | 0.00099 | 23.53059 | 0.00252 | 26.49484 | 0.00195 | 3.50137 | 0.01823 | 23.53059 | 0.00203 | -3.33166 | 0.03709 | ||||||||||||||||
| 101 | 15.321 | 0.00296 | 24.06768 | 0.00215 | 27.06208 | 0.0015 | 12.5502 | 0.00145 | 23.66248 | 0.00091 | 24.06768 | 0.00253 | 27.06208 | 0.00136 | 3.8393 | 0.016 | 24.06768 | 0.00201 | -3.15123 | 0.0412 | ||||||||||||||||
| 102 | 15.77152 | 0.00265 | 24.60477 | 0.00225 | 27.62932 | 0.00134 | 12.97174 | 0.0015 | 24.19694 | 0.00092 | 24.60477 | 0.0026 | 27.62932 | 0.00112 | 4.17723 | 0.01408 | 24.60477 | 0.00212 | -2.9708 | 0.04561 | ||||||||||||||||
| 103 | 16.22204 | 0.00236 | 25.14186 | 0.00215 | 28.19656 | 0.00136 | 13.39328 | 0.00156 | 24.73141 | 0.00099 | 25.14186 | 0.00248 | 28.19656 | 0.00124 | 4.51517 | 0.01245 | 25.14186 | 0.00214 | -2.79038 | 0.05025 | ||||||||||||||||
| 104 | 16.67255 | 0.00206 | 25.67895 | 0.00181 | 28.7638 | 0.00151 | 13.81481 | 0.00156 | 25.26587 | 0.00106 | 25.67895 | 0.00211 | 28.7638 | 0.0016 | 4.8531 | 0.01111 | 25.67895 | 0.00196 | -2.60995 | 0.05503 | ||||||||||||||||
| 105 | 17.12307 | 0.00175 | 26.21604 | 0.00138 | 29.33105 | 0.00177 | 14.23635 | 0.00152 | 25.80033 | 0.00108 | 26.21604 | 0.00165 | 29.33105 | 0.002 | 5.19103 | 0.01005 | 26.21604 | 0.00164 | -2.42952 | 0.05982 | ||||||||||||||||
| 106 | 17.57359 | 0.00144 | 26.75312 | 0.00102 | 29.89829 | 0.00207 | 14.65789 | 0.00143 | 26.33479 | 0.00102 | 26.75312 | 0.00125 | 29.89829 | 0.00224 | 5.52896 | 0.00927 | 26.75312 | 0.00128 | -2.24909 | 0.06452 | ||||||||||||||||
| 107 | 18.02411 | 0.00117 | 27.29021 | 0.00084 | 15.07942 | 0.00135 | 26.86925 | 0.00089 | 27.29021 | 0.00102 | 5.86689 | 0.00875 | 27.29021 | 0.00097 | -2.06866 | 0.06901 | ||||||||||||||||||||
| 108 | 18.47462 | 0.00096 | 27.8273 | 0.00081 | 15.50096 | 0.00131 | 27.40371 | 0.00075 | 27.8273 | 0.00095 | 6.20482 | 0.00844 | 27.8273 | 0.00074 | -1.88823 | 0.07321 | ||||||||||||||||||||
| 109 | 18.92514 | 0.00081 | 28.36439 | 0.00089 | 15.92249 | 0.00133 | 27.93818 | 0.00066 | 28.36439 | 0.00093 | 6.54275 | 0.00825 | 28.36439 | 0.0006 | -1.70781 | 0.07706 | ||||||||||||||||||||
| 110 | 19.37566 | 0.0007 | 28.90148 | 0.00101 | 16.34403 | 0.00138 | 28.47264 | 0.00062 | 28.90148 | 0.00092 | 6.88069 | 0.00811 | 28.90148 | 0.00064 | -1.52738 | 0.08054 | ||||||||||||||||||||
| 111 | 19.82618 | 0.00062 | 29.43857 | 0.00119 | 16.76557 | 0.0014 | 29.0071 | 0.00062 | 29.43857 | 0.00094 | 7.21862 | 0.00791 | 29.43857 | 0.00083 | -1.34695 | 0.08364 | ||||||||||||||||||||
| 112 | 20.27669 | 0.00057 | 29.97566 | 0.00137 | 17.18711 | 0.00138 | 29.54156 | 0.0006 | 29.97566 | 0.00106 | 7.55655 | 0.00759 | 29.97566 | 0.00107 | -1.16652 | 0.08641 | ||||||||||||||||||||
| 113 | 20.72721 | 0.00056 | 17.60864 | 0.00128 | 7.89448 | 0.00713 | -0.98609 | 0.08891 | ||||||||||||||||||||||||||||
| 114 | 21.17773 | 0.00061 | 18.03018 | 0.00115 | 8.23241 | 0.00655 | -0.80566 | 0.09121 | ||||||||||||||||||||||||||||
| 115 | 21.62825 | 0.00071 | 18.45171 | 0.001 | 8.57034 | 0.0059 | -0.62524 | 0.09337 | ||||||||||||||||||||||||||||
| 116 | 22.07876 | 0.00083 | 18.87325 | 0.00088 | 8.90827 | 0.00523 | -0.44481 | 0.09545 | ||||||||||||||||||||||||||||
| 117 | 22.52928 | 0.00094 | 19.29479 | 0.00083 | 9.24621 | 0.00462 | -0.26438 | 0.09747 | ||||||||||||||||||||||||||||
| 118 | 22.9798 | 0.00102 | 19.71632 | 0.00086 | 9.58414 | 0.00409 | -0.08395 | 0.09943 | ||||||||||||||||||||||||||||
| 119 | 23.43032 | 0.00105 | 20.13786 | 0.00095 | 9.92207 | 0.00369 | 0.09648 | 0.10131 | ||||||||||||||||||||||||||||
| 120 | 23.88083 | 0.00106 | 20.55939 | 0.00107 | 10.26 | 0.00339 | 0.27691 | 0.10304 | ||||||||||||||||||||||||||||
| 121 | 24.33135 | 0.00107 | 20.98093 | 0.00118 | 10.59793 | 0.0032 | 0.45733 | 0.10455 | ||||||||||||||||||||||||||||
| 122 | 24.78187 | 0.00108 | 21.40247 | 0.0012 | 10.93586 | 0.00309 | 0.63776 | 0.10576 | ||||||||||||||||||||||||||||
| 123 | 25.23239 | 0.0011 | 21.824 | 0.0011 | 11.27379 | 0.00302 | 0.81819 | 0.10659 | ||||||||||||||||||||||||||||
| 124 | 25.6829 | 0.0011 | 22.24554 | 0.0009 | 11.61172 | 0.00298 | 0.99862 | 0.10699 | ||||||||||||||||||||||||||||
| 125 | 26.13342 | 0.00104 | 22.66708 | 0.00065 | 11.94966 | 0.00294 | 1.17905 | 0.1069 | ||||||||||||||||||||||||||||
| 126 | 26.58394 | 0.00094 | 23.08861 | 0.00044 | 12.28759 | 0.00289 | 1.35948 | 0.1063 | ||||||||||||||||||||||||||||
| 127 | 27.03446 | 0.00082 | 23.51015 | 0.0003 | 12.62552 | 0.00282 | 1.53991 | 0.10517 | ||||||||||||||||||||||||||||
| 128 | 27.48497 | 0.00073 | 23.93169 | 0.00025 | 12.96345 | 0.00272 | 1.72033 | 0.10354 | ||||||||||||||||||||||||||||
| 129 | 27.93549 | 0.00071 | 24.35322 | 0.00029 | 13.30138 | 0.00262 | 1.90076 | 0.10142 | ||||||||||||||||||||||||||||
| 130 | 28.38601 | 0.00078 | 24.77476 | 0.00037 | 13.63931 | 0.00251 | 2.08119 | 0.09888 | ||||||||||||||||||||||||||||
| 131 | 28.83652 | 0.00091 | 25.19629 | 0.00045 | 13.97724 | 0.00242 | 2.26162 | 0.09596 | ||||||||||||||||||||||||||||
| 132 | 29.28704 | 0.00105 | 25.61783 | 0.0005 | 14.31518 | 0.00235 | 2.44205 | 0.09273 | ||||||||||||||||||||||||||||
| 133 | 29.73756 | 0.00116 | 26.03937 | 0.00053 | 14.65311 | 0.00231 | 2.62248 | 0.08927 | ||||||||||||||||||||||||||||
| 134 | 26.4609 | 0.00054 | 14.99104 | 0.00229 | 2.8029 | 0.08563 | ||||||||||||||||||||||||||||||
| 135 | 26.88244 | 0.00055 | 15.32897 | 0.00229 | 2.98333 | 0.08191 | ||||||||||||||||||||||||||||||
| 136 | 27.30398 | 0.00056 | 15.6669 | 0.0023 | 3.16376 | 0.07818 | ||||||||||||||||||||||||||||||
| 137 | 27.72551 | 0.00055 | 16.00483 | 0.00229 | 3.34419 | 0.0745 | ||||||||||||||||||||||||||||||
| 138 | 28.14705 | 0.00051 | 16.34276 | 0.00225 | 3.52462 | 0.07092 | ||||||||||||||||||||||||||||||
| 139 | 28.56859 | 0.00043 | 16.6807 | 0.00216 | 3.70505 | 0.06748 | ||||||||||||||||||||||||||||||
| 140 | 28.99012 | 0.00032 | 17.01863 | 0.00201 | 3.88547 | 0.06422 | ||||||||||||||||||||||||||||||
| 141 | 29.41166 | 0.00023 | 17.35656 | 0.0018 | 4.0659 | 0.06113 | ||||||||||||||||||||||||||||||
| 142 | 29.83319 | 0.00017 | 17.69449 | 0.00154 | 4.24633 | 0.05823 | ||||||||||||||||||||||||||||||
| 143 | 18.03242 | 0.00126 | 4.42676 | 0.0555 | ||||||||||||||||||||||||||||||||
| 144 | 18.37035 | 0.00099 | 4.60719 | 0.05295 | ||||||||||||||||||||||||||||||||
| 145 | 18.70828 | 0.00077 | 4.78762 | 0.05057 | ||||||||||||||||||||||||||||||||
| 146 | 19.04622 | 0.00062 | 4.96804 | 0.04835 | ||||||||||||||||||||||||||||||||
| 147 | 19.38415 | 0.00054 | 5.14847 | 0.04632 | ||||||||||||||||||||||||||||||||
| 148 | 19.72208 | 0.00055 | 5.3289 | 0.04446 | ||||||||||||||||||||||||||||||||
| 149 | 20.06001 | 0.00064 | 5.50933 | 0.04278 | ||||||||||||||||||||||||||||||||
| 150 | 20.39794 | 0.00078 | 5.68976 | 0.04126 | ||||||||||||||||||||||||||||||||
| 151 | 20.73587 | 0.00095 | 5.87019 | 0.03991 | ||||||||||||||||||||||||||||||||
| 152 | 21.0738 | 0.00113 | 6.05061 | 0.03867 | ||||||||||||||||||||||||||||||||
| 153 | 21.41174 | 0.00129 | 6.23104 | 0.03752 | ||||||||||||||||||||||||||||||||
| 154 | 21.74967 | 0.00141 | 6.41147 | 0.03642 | ||||||||||||||||||||||||||||||||
| 155 | 22.0876 | 0.00147 | 6.5919 | 0.03533 | ||||||||||||||||||||||||||||||||
| 156 | 22.42553 | 0.00147 | 6.77233 | 0.03421 | ||||||||||||||||||||||||||||||||
| 157 | 22.76346 | 0.00142 | 6.95276 | 0.03304 | ||||||||||||||||||||||||||||||||
| 158 | 23.10139 | 0.00132 | 7.13318 | 0.0318 | ||||||||||||||||||||||||||||||||
| 159 | 23.43933 | 0.0012 | 7.31361 | 0.03051 | ||||||||||||||||||||||||||||||||
| 160 | 23.77726 | 0.00108 | 7.49404 | 0.02916 | ||||||||||||||||||||||||||||||||
| 161 | 24.11519 | 0.00098 | 7.67447 | 0.0278 | ||||||||||||||||||||||||||||||||
| 162 | 24.45312 | 0.00089 | 7.8549 | 0.02644 | ||||||||||||||||||||||||||||||||
| 163 | 24.79105 | 0.00082 | 8.03533 | 0.02512 | ||||||||||||||||||||||||||||||||
| 164 | 25.12898 | 0.00076 | 8.21576 | 0.02388 | ||||||||||||||||||||||||||||||||
| 165 | 25.46691 | 0.0007 | 8.39618 | 0.02272 | ||||||||||||||||||||||||||||||||
| 166 | 25.80484 | 0.00063 | 8.57661 | 0.02169 | ||||||||||||||||||||||||||||||||
| 167 | 26.14278 | 0.00055 | 8.75704 | 0.02077 | ||||||||||||||||||||||||||||||||
| 168 | 26.48071 | 0.00047 | 8.93747 | 0.01997 | ||||||||||||||||||||||||||||||||
| 169 | 26.81864 | 0.00041 | 9.1179 | 0.01928 | ||||||||||||||||||||||||||||||||
| 170 | 27.15657 | 0.00036 | 9.29833 | 0.01868 | ||||||||||||||||||||||||||||||||
| 171 | 27.4945 | 0.00035 | 9.47875 | 0.01814 | ||||||||||||||||||||||||||||||||
| 172 | 27.83243 | 0.00036 | 9.65918 | 0.01764 | ||||||||||||||||||||||||||||||||
| 173 | 28.17036 | 0.00041 | 9.83961 | 0.01714 | ||||||||||||||||||||||||||||||||
| 174 | 28.5083 | 0.00048 | 10.02004 | 0.01662 | ||||||||||||||||||||||||||||||||
| 175 | 28.84623 | 0.00057 | 10.20047 | 0.01607 | ||||||||||||||||||||||||||||||||
| 176 | 29.18416 | 0.00065 | 10.38089 | 0.01548 | ||||||||||||||||||||||||||||||||
| 177 | 29.52209 | 0.00074 | 10.56132 | 0.01483 | ||||||||||||||||||||||||||||||||
| 178 | 29.86002 | 0.00082 | 10.74175 | 0.01413 | ||||||||||||||||||||||||||||||||
| 179 | 10.92218 | 0.01338 | ||||||||||||||||||||||||||||||||||
| 180 | 11.10261 | 0.0126 | ||||||||||||||||||||||||||||||||||
| 181 | 11.28304 | 0.0118 | ||||||||||||||||||||||||||||||||||
| 182 | 11.46346 | 0.01099 | ||||||||||||||||||||||||||||||||||
| 183 | 11.64389 | 0.0102 | ||||||||||||||||||||||||||||||||||
| 184 | 11.82432 | 0.00944 | ||||||||||||||||||||||||||||||||||
| 185 | 12.00475 | 0.00873 | ||||||||||||||||||||||||||||||||||
| 186 | 12.18518 | 0.00808 | ||||||||||||||||||||||||||||||||||
| 187 | 12.36561 | 0.00752 | ||||||||||||||||||||||||||||||||||
| 188 | 12.54603 | 0.00705 | ||||||||||||||||||||||||||||||||||
| 189 | 12.72646 | 0.00667 | ||||||||||||||||||||||||||||||||||
| 190 | 12.90689 | 0.0064 | ||||||||||||||||||||||||||||||||||
| 191 | 13.08732 | 0.00623 | ||||||||||||||||||||||||||||||||||
| 192 | 13.26775 | 0.00613 | ||||||||||||||||||||||||||||||||||
| 193 | 13.44818 | 0.0061 | ||||||||||||||||||||||||||||||||||
| 194 | 13.6286 | 0.00611 | ||||||||||||||||||||||||||||||||||
| 195 | 13.80903 | 0.00615 | ||||||||||||||||||||||||||||||||||
| 196 | 13.98946 | 0.00618 | ||||||||||||||||||||||||||||||||||
| 197 | 14.16989 | 0.0062 | ||||||||||||||||||||||||||||||||||
| 198 | 14.35032 | 0.00619 | ||||||||||||||||||||||||||||||||||
| 199 | 14.53075 | 0.00615 | ||||||||||||||||||||||||||||||||||
| 200 | 14.71117 | 0.00608 | ||||||||||||||||||||||||||||||||||
| 201 | 14.8916 | 0.00598 | ||||||||||||||||||||||||||||||||||
| 202 | 15.07203 | 0.00586 | ||||||||||||||||||||||||||||||||||
| 203 | 15.25246 | 0.00574 | ||||||||||||||||||||||||||||||||||
| 204 | 15.43289 | 0.00563 | ||||||||||||||||||||||||||||||||||
| 205 | 15.61332 | 0.00554 | ||||||||||||||||||||||||||||||||||
| 206 | 15.79375 | 0.00547 | ||||||||||||||||||||||||||||||||||
| 207 | 15.97417 | 0.00542 | ||||||||||||||||||||||||||||||||||
| 208 | 16.1546 | 0.0054 | ||||||||||||||||||||||||||||||||||
| 209 | 16.33503 | 0.00539 | ||||||||||||||||||||||||||||||||||
| 210 | 16.51546 | 0.00538 | ||||||||||||||||||||||||||||||||||
| 211 | 16.69589 | 0.00537 | ||||||||||||||||||||||||||||||||||
| 212 | 16.87632 | 0.00534 | ||||||||||||||||||||||||||||||||||
| 213 | 17.05674 | 0.00527 | ||||||||||||||||||||||||||||||||||
| 214 | 17.23717 | 0.00516 | ||||||||||||||||||||||||||||||||||
| 215 | 17.4176 | 0.005 | ||||||||||||||||||||||||||||||||||
| 216 | 17.59803 | 0.00478 | ||||||||||||||||||||||||||||||||||
| 217 | 17.77846 | 0.0045 | ||||||||||||||||||||||||||||||||||
| 218 | 17.95889 | 0.00418 | ||||||||||||||||||||||||||||||||||
| 219 | 18.13931 | 0.00382 | ||||||||||||||||||||||||||||||||||
| 220 | 18.31974 | 0.00344 | ||||||||||||||||||||||||||||||||||
| 221 | 18.50017 | 0.00305 | ||||||||||||||||||||||||||||||||||
| 222 | 18.6806 | 0.00269 | ||||||||||||||||||||||||||||||||||
| 223 | 18.86103 | 0.00235 | ||||||||||||||||||||||||||||||||||
| 224 | 19.04146 | 0.00207 | ||||||||||||||||||||||||||||||||||
| 225 | 19.22188 | 0.00184 | ||||||||||||||||||||||||||||||||||
| 226 | 19.40231 | 0.00169 | ||||||||||||||||||||||||||||||||||
| 227 | 19.58274 | 0.0016 | ||||||||||||||||||||||||||||||||||
| 228 | 19.76317 | 0.00158 | ||||||||||||||||||||||||||||||||||
| 229 | 19.9436 | 0.00161 | ||||||||||||||||||||||||||||||||||
| 230 | 20.12403 | 0.00169 | ||||||||||||||||||||||||||||||||||
| 231 | 20.30445 | 0.0018 | ||||||||||||||||||||||||||||||||||
| 232 | 20.48488 | 0.00194 | ||||||||||||||||||||||||||||||||||
| 233 | 20.66531 | 0.00208 | ||||||||||||||||||||||||||||||||||
| 234 | 20.84574 | 0.00223 | ||||||||||||||||||||||||||||||||||
| 235 | 21.02617 | 0.00236 | ||||||||||||||||||||||||||||||||||
| 236 | 21.2066 | 0.00249 | ||||||||||||||||||||||||||||||||||
| 237 | 21.38703 | 0.00261 | ||||||||||||||||||||||||||||||||||
| 238 | 21.56745 | 0.00271 | ||||||||||||||||||||||||||||||||||
| 239 | 21.74788 | 0.00281 | ||||||||||||||||||||||||||||||||||
| 240 | 21.92831 | 0.0029 | ||||||||||||||||||||||||||||||||||
| 241 | 22.10874 | 0.00299 | ||||||||||||||||||||||||||||||||||
| 242 | 22.28917 | 0.00306 | ||||||||||||||||||||||||||||||||||
| 243 | 22.46959 | 0.00311 | ||||||||||||||||||||||||||||||||||
| 244 | 22.65002 | 0.00313 | ||||||||||||||||||||||||||||||||||
| 245 | 22.83045 | 0.00312 | ||||||||||||||||||||||||||||||||||
| 246 | 23.01088 | 0.00307 | ||||||||||||||||||||||||||||||||||
| 247 | 23.19131 | 0.00297 | ||||||||||||||||||||||||||||||||||
| 248 | 23.37174 | 0.00283 | ||||||||||||||||||||||||||||||||||
| 249 | 23.55217 | 0.00264 | ||||||||||||||||||||||||||||||||||
| 250 | 23.73259 | 0.00242 | ||||||||||||||||||||||||||||||||||
| 251 | 23.91302 | 0.00217 | ||||||||||||||||||||||||||||||||||
| 252 | 24.09345 | 0.0019 | ||||||||||||||||||||||||||||||||||
| 253 | 24.27388 | 0.00164 | ||||||||||||||||||||||||||||||||||
| 254 | 24.45431 | 0.00138 | ||||||||||||||||||||||||||||||||||
| 255 | 24.63474 | 0.00113 | ||||||||||||||||||||||||||||||||||
| 256 | 24.81516 | 0.00092 | ||||||||||||||||||||||||||||||||||
| 257 | 24.99559 | 0.00073 | ||||||||||||||||||||||||||||||||||
| 258 | 25.17602 | 0.00059 | ||||||||||||||||||||||||||||||||||
| 259 | 25.35645 | 0.00047 | ||||||||||||||||||||||||||||||||||
| 260 | 25.53688 | 0.0004 | ||||||||||||||||||||||||||||||||||
| 261 | 25.71731 | 0.00035 | ||||||||||||||||||||||||||||||||||
| 262 | 25.89773 | 0.00034 | ||||||||||||||||||||||||||||||||||
| 263 | 26.07816 | 0.00036 | ||||||||||||||||||||||||||||||||||
| 264 | 26.25859 | 0.0004 | ||||||||||||||||||||||||||||||||||
| 265 | 26.43902 | 0.00045 | ||||||||||||||||||||||||||||||||||
| 266 | 26.61945 | 0.00051 | ||||||||||||||||||||||||||||||||||
| 267 | 26.79988 | 0.00058 | ||||||||||||||||||||||||||||||||||
| 268 | 26.9803 | 0.00064 | ||||||||||||||||||||||||||||||||||
| 269 | 27.16073 | 0.00069 | ||||||||||||||||||||||||||||||||||
| 270 | 27.34116 | 0.00073 | ||||||||||||||||||||||||||||||||||
| 271 | 27.52159 | 0.00075 | ||||||||||||||||||||||||||||||||||
| 272 | 27.70202 | 0.00076 | ||||||||||||||||||||||||||||||||||
| 273 | 27.88245 | 0.00076 | ||||||||||||||||||||||||||||||||||
| 274 | 28.06287 | 0.00075 | ||||||||||||||||||||||||||||||||||
| 275 | 28.2433 | 0.00075 | ||||||||||||||||||||||||||||||||||
| 276 | 28.42373 | 0.00075 | ||||||||||||||||||||||||||||||||||
| 277 | 28.60416 | 0.00077 | ||||||||||||||||||||||||||||||||||
| 278 | 28.78459 | 0.00082 | ||||||||||||||||||||||||||||||||||
| 279 | 28.96502 | 0.0009 | ||||||||||||||||||||||||||||||||||
| 280 | 29.14544 | 0.001 | ||||||||||||||||||||||||||||||||||
| 281 | 29.32587 | 0.00113 | ||||||||||||||||||||||||||||||||||
| 282 | 29.5063 | 0.00128 | ||||||||||||||||||||||||||||||||||
| 283 | 29.68673 | 0.00144 | ||||||||||||||||||||||||||||||||||
| 284 | 29.86716 | 0.0016 | ||||||||||||||||||||||||||||||||||
Source: FR Y-9C Call Report and CRSP.
Note: Bank holding companies are assigned to both a CLD and total CRE cohort based on their loan concentrations as of 2006:Q4. Subsequent measurements of the cohort’s average MCR are based on all the BHCs that have survived to date. Total CRE includes loans secured by non-farm, non-residential properties (owner-occupied loans were not separately distinguished within these loans until 2008:Q1).
Figure 6. Change in Market Capital Ratio (3 charts)
Top panel: Impact of Either Ratio Binding
Avg. Market Capital Ratio
| Quarter | Under Both Triggers | Over At Least One Trigger |
|---|---|---|
| 2007:Q1 | 0.144117679 | 0.128324524 |
| 2007:Q2 | 0.136725206 | 0.11909636 |
| 2007:Q3 | 0.126464523 | 0.110504565 |
| 2007:Q4 | 0.126464523 | 0.088922463 |
| 2008:Q1 | 0.108698339 | 0.079151491 |
| 2008:Q2 | 0.0925325 | 0.051706737 |
| 2008:Q3 | 0.107038537 | 0.060565019 |
| 2008:Q4 | 0.088973342 | 0.040496305 |
| 2009:Q1 | 0.06554919 | 0.021574579 |
| 2009:Q2 | 0.075032897 | 0.025700373 |
| 2009:Q3 | 0.083329383 | 0.03019064 |
| 2009:Q4 | 0.081180548 | 0.027433644 |
| 2010:Q1 | 0.090839122 | 0.040229551 |
| 2010:Q2 | 0.081967088 | 0.039729346 |
| 2010:Q3 | 0.084304474 | 0.041398215 |
| 2010:Q4 | 0.095913607 | 0.048545653 |
| 2011:Q1 | 0.094056777 | 0.054716663 |
| 2011:Q2 | 0.088948782 | 0.052703335 |
| 2011:Q3 | 0.070653164 | 0.037823428 |
| 2011:Q4 | 0.082363582 | 0.049512224 |
Middle panel: Impact of Construction Ratio Binding
Avg. Market Capital Ratio
| Quarter | Under Both Triggers | Over At Least One Trigger |
|---|---|---|
| 2007:Q1 | 0.137949449 | 0.129674927 |
| 2007:Q2 | 0.129606231 | 0.120998536 |
| 2007:Q3 | 0.120188683 | 0.111862878 |
| 2007:Q4 | 0.103683639 | 0.088572166 |
| 2008:Q1 | 0.101133659 | 0.0779453 |
| 2008:Q2 | 0.084275237 | 0.047769343 |
| 2008:Q3 | 0.096244854 | 0.057668315 |
| 2008:Q4 | 0.077762952 | 0.03711154 |
| 2009:Q1 | 0.0556646 | 0.018300838 |
| 2009:Q2 | 0.062725829 | 0.023415392 |
| 2009:Q3 | 0.070487265 | 0.027409987 |
| 2009:Q4 | 0.068037037 | 0.024733946 |
| 2010:Q1 | 0.079245151 | 0.037510546 |
| 2010:Q2 | 0.073436732 | 0.036222309 |
| 2010:Q3 | 0.07640151 | 0.036889231 |
| 2010:Q4 | 0.086738403 | 0.044145099 |
| 2011:Q1 | 0.086117588 | 0.051605344 |
| 2011:Q2 | 0.08218244 | 0.049196347 |
| 2011:Q3 | 0.064355593 | 0.034726336 |
| 2011:Q4 | 0.075947168 | 0.046634726 |
Bottom panel: Impact of Total Ratio Binding
Avg. Market Capital Ratio
| Quarter | Under Both Triggers | Over At Least One Trigger |
|---|---|---|
| 2007:Q1 | 0.138999908 | 0.130198748 |
| 2007:Q2 | 0.132555099 | 0.120159336 |
| 2007:Q3 | 0.123849844 | 0.110595828 |
| 2007:Q4 | 0.105968607 | 0.089321846 |
| 2008:Q1 | 0.104320527 | 0.07909714 |
| 2008:Q2 | 0.086957243 | 0.051217867 |
| 2008:Q3 | 0.101852225 | 0.059330546 |
| 2008:Q4 | 0.083253775 | 0.039305068 |
| 2009:Q1 | 0.059900759 | 0.020778665 |
| 2009:Q2 | 0.069851304 | 0.024393764 |
| 2009:Q3 | 0.07736056 | 0.02901191 |
| 2009:Q4 | 0.074914955 | 0.02639592 |
| 2010:Q1 | 0.085198246 | 0.038990367 |
| 2010:Q2 | 0.076056602 | 0.039626706 |
| 2010:Q3 | 0.077219858 | 0.041979191 |
| 2010:Q4 | 0.087608348 | 0.049519085 |
| 2011:Q1 | 0.086506205 | 0.056125208 |
| 2011:Q2 | 0.081807101 | 0.054307566 |
| 2011:Q3 | 0.064265766 | 0.039430887 |
| 2011:Q4 | 0.076810724 | 0.050599185 |
Source: Y-9C call reports and CRSP.
Note: Bank holding companies are assigned to both a CLD and total CRE cohort based on their loan concentrations as of 2006:Q4. Subsequent measurements of the cohort’s average MCR are based on all the BHCs that have survived to date. Total CRE includes secured by non-farm, non-residential properties (owner-occupied loans were not separately distinguished within these loans until 2008:Q1).
Last update: May 2, 2013