Chart 10. The title is "Bank and Thrift Exposure to Consumer Lending Has Risen as Personal Bankruptcies Hover Near Record Highs".

A combined line and bar chart showing the average ratio of consumer loans to assets and the number of personal bankruptcy filings. In second quarter 1998, the ratio was 29.68%, and there were about 361 thousand bankruptcy filings. In second quarter 1999, the ratio was 28.43%, and there were about 335 thousand bankruptcy filings. In second quarter 2000, the ratio was 29.22%, and there were about 312 thousand bankruptcy filings. In second quarter 2001, the ratio was 28.98%, and there were about 390 thousand bankruptcy filings. In second quarter 2002, the ratio was 28.83%, and there were about 390 thousand bankruptcy filings. In second quarter 2003, the ratio was 29.95%, and there were about 430 thousand bankruptcy filings.