Chart 4

The title is "Past-Due Ratio for Insured Institutions Headquartered in New York Improved During First Half 2003."

A line chart that shows the percentage of loans that were at least 30 days past due in larger and smaller financial institutions at least 3 years old. Institutions with more than $10 billion in assets had a past-due rate of 2.5 percent in June 2001, 3.34 percent in June 2002, 3.73 percent in December 2002, and 3.17 percent in June 2003. Institutions with less than $10 billion in assets had a past-due rate of 1.58 percent in June 2001, 2.02 percent in March 2002, 1.95 percent in June 2002, 2.11 percent in December 2002, and 1.88 percent in June 2003.