Chart 2: NIMs at Dallas Banks Declined from 2000 to 2004, Then Recovered
*Banks with assets under $1 billion; Dallas Region only (AR,CO,LA,MS,NM,OK,TN, and TX)
  Sep-00 Dec-00 Mar-01 Jun-01 Sep-01 Dec-01 Mar-02 Jun-02 Sep-02 Dec-02 Mar-03 Jun-03 Sep-03 Dec-03 Mar-04 Jun-04 Sep-04 Dec-04 Mar-05 Jun-05 Sep-05 Dec-05 Mar-06 Jun-06 Sep-06 Dec-06
Institutions (#) 1,982 1,960 1,938 1,925 1,913 1,893 1,878 1,861 1,847 1,836 1,827 1,817 1,809 1,795 1,782 1,774 1,768 1,761
Net Interest Margin (median %) 4.63% 4.59% 4.37% 4.36% 4.36% 4.36% 4.40% 4.47% 4.50% 4.46% 4.27% 4.27% 4.28% 4.28% 4.25% 4.26% 4.30% 4.30% 4.31% 4.35% 4.37% 4.38% 4.37% 4.42% 4.37% 4.46%
Noncore Funding to Assets (median) 17.48% 17.58% 18.00% 18.04% 17.96% 17.94% 17.89% 18.06% 18.12% 18.12% 18.32% 18.34% 18.13% 17.93% 18.26% 18.95% 19.07% 18.95%
One Month LIBOR 6.62% 6.56% 5.08% 3.86% 2.63% 1.87% 1.88% 1.84% 1.81% 1.38% 1.30% 1.12% 1.12% 1.12% 1.09% 1.37% 1.84% 2.40% 2.87% 3.40% 3.86% 4.39% 4.83% 5.34% 5.32% 5.33%