Chart 5

The title is "Long-Term Asset Concentrations Traditionally Are Higher in Pennsylvania."

A bar chart that shows the median ratio of long-term assets (5 or more years) to average earning assets for the United States and Pennsylvania. Nationally, the ratio was 15.998 percent in the second quarter of 1998, climbed to 19.428 percent in the third quarter of 1999, fell to 16.946 percent in the fourth quarter of 2000, increased to 17.889 percent in the second quarter of 2001, diminished to 17.153 percent in the third quarter of 2002, and increased to 17.590 percent in the second quarter of 2003. In Pennsylvania, the ratio was 39.900 percent in the second quarter of 1998, climbed to 48.025 percent in the first quarter of 2000, dropped to 45.594 percent in the second quarter of 2001, increased to 46.200 percent in the first quarter of 2002, dropped to 41.627 percent at the end of 2002, rose to 43.247 percent in the first quarter of 2003, and diminished to 42.343 percent in the second quarter of 2003.