The chargeoff ratio for the thrift industry's largest loan category - one- to four-family home mortgages - fell to 0.17% last year, from 0.25% in 1994, the Office of Thrift Supervision reported Tuesday.

However, writeoffs of other types of loans increased. The OTS reported that chargeoffs of nonresidential construction loans jumped to a ratio of 0.67% in 1995, from 0.46%, and the ratio for multifamily mortgages rose to 0.46%, from 0.27%.

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