Chart 6

The title is "Long-Term Asset Concentrations Traditionally Are Higher Among Banks in New York than the Nation."

A bar chart covering second quarter 1998 through second quarter 2003. In second quarter 1998, the ratio of long-term assets (5+ years) to average earning assets was 25% for New York and 16% for the nation. In 1999, the ratio was 31% for New York and 19% for the nation. In 2000, the ratio was 33% for New York and 18% for the nation. In 2001, the ratio was 33% for New York and 17% for the nation. In 2002, the ratio was 33% for New York and 17% for the nation. In 2003, the ratio was 31% for New York and 17% for the nation.