Chart 5

The title is "Long-Term Asset Concentrations Are Higher Among Banks in New Jersey."

A bar chart that shows the median ratio of long-term (5-plus years) assets to average earning assets in the United States and New Jersey among financial institutions at least 3 years old. Nationally, the ratio of long-term assets to average earning assets was 16.00 percent in the second quarter of 1998, 19.428 percent in the third quarter of 1999, 16.946 percent in the fourth quarter of 2000, 17.889 percent in the second quarter of 2001, 17.162 percent in the first quarter of 2003, and 17.590 percent in the second quarter of 2003. In New Jersey, the ratio of long-term assets to average earning assets was 33.260 percent in the second quarter of 1998, 32.663 percent in the third quarter of 1998, 40.499 percent in the fourth quarter of 1999, 37.798 percent in the fourth quarter of 2000, 41.040 percent in the second quarter of 2001, 33.624 percent in the third quarter of 2002, 36.893 percent in the fourth quarter of 2002, and 32.381 percent in the second quarter of 2003.