The title is "Funding Costs Sank During 2002 Among Oregon-Based Insured Institutions."

A line and bar chart that shows the median yield on earning assets, the cost of funding, and the net interest margin (NIM) in June of each year from 1992 to 2003. The median yield was 9.28 percent in 1992, fell to 8.10 percent in 1994, rebounded to 9.18 percent in 1995, declined to 8.09 percent in 1999, grew to 8.88 percent in 2000, and dropped to 6.62 percent in 2003. The cost of funding was 3.69 percent in 1992, 2.41 percent in 1994, 3.43 percent in 1997, 3.16 percent in 1999, 3.88 percent in 2001, and 1.63 percent in 2003. NIM was 5.47 percent in 1992, improved to 5.71 percent in 1993, dropped back to 5.44 percent in 1994, rose to 5.67 percent in 1995, declined gradually to 4.90 percent in 1999, climbed to 5.30 percent in 2000, fell to 4.69 percent in 2001, improved to 4.98 percent in 2002, and held at 5.00 percent in 2003.