I think you might mean stresses rather than loads. Loads are the forces applied to the bicycle, and many of them change dynamically under different riding conditions.
But like bristolbiker said, what do you define as ‘normal conditions’. Sprinting will apply a lot of compressive stress to the drive side chainstay as a result of pedalling, but there will be hardly any at the seat tube junction as the rider will not have any mass on the saddle. Riding down a rocky hill will stress the frame more under the head/downtube junction than riding along a flat road.
e.g here’s an FEA of a frame only, showing only the load from a typical front impact. most of the stress is under and around the head tube junction