Chart 2: Total Overhead Costs Have Consistently Been Higher at Smaller Institutions

Date	Overhead Expense to Average Assets, Banks over $500 Million (average percent)	Overhead Expense to Average Assets, Banks under $500 Million (average percent)
6/30/1990	3.5	3.7
6/30/1991	3.7	3.7
6/30/1992	3.8	3.7
6/30/1993	3.9	3.7
6/30/1994	3.7	3.7
6/30/1995	3.7	3.8
6/30/1996	3.6	3.9
6/30/1997	3.6	3.9
6/30/1998	3.7	4.1
6/30/1999	3.7	4.1
6/30/2000	3.6	4.1
6/30/2001	3.6	3.8
6/30/2002	3.6	3.7
6/30/2003	3.4	3.6
6/30/2004	3.3	3.5
6/30/2005	3.2	3.5

Source: FDIC (Commercial Banks; June 30 of each year).