Chart 3

"Profitability remains historically strong, but slightly lower than the industry highs set in 2002 and 2003."
Date	Return on Assets (percent)	Return on Equity (percent)
1984	0.48	9.15
1985	0.62	11.63
1986	0.49	8.97
1987	-0.06	-1.07
1988	0.44	7.87
1989	0.22	3.61
1990	0.24	3.95
1991	0.42	6.39
1992	0.87	12.21
1993	1.1	14.09
1994	1.05	13.33
1995	1.1	13.63
1996	1.1	13.31
1997	1.18	14.03
1998	1.16	13.51
1999	1.26	14.71
2000	1.14	13.53
2001	1.14	12.96
2002	1.3	14.11
2003	1.38	15.04
2004	1.28	13.22
2005	1.28	12.46

Source: FDIC