The median ratio return on assets was 1.04 percent in first quarter 2001 and 1.10 percent in first quarter 2002. It was 1.04 percent in second quarter 2001 and 1.18 percent in second quarter 2002. The net interest margin was 4.02 percent in first quarter 2001 and 4.13 percent in first quarter 2002. It was 4.02 percent in second quarter 2001 and 4.33 percent in second quarter 2002.