Chart 3

Year and Month	Trailing 4-Quarter NIM	Treasury Yield Spread
1990 09	4.24	148
1990 12	4.22	189
1991 03	4.18	228
1991 06	4.24	257
1991 09	4.36	286
1991 12	4.33	327
1992 03	4.52	345
1992 06	4.54	348
1992 09	4.65	330
1992 12	4.66	309
1993 03	4.67	271
1993 06	4.61	260
1993 09	4.6	263
1993 12	4.52	279
1994 03	4.525	282
1994 06	4.55	254
1994 09	4.64	202
1994 12	4.64	129
1995 03	4.67	86
1995 06	4.52	57
1995 09	4.5	79
1995 12	4.49	109
1996 03	4.5	148
1996 06	4.46	151
1996 09	4.53	142
1996 12	4.5	136
1997 03	4.49	132
1997 06	4.5	102
1997 09	4.52	71
1997 12	4.48	46
1998 03	4.41	31
1998 06	4.38	20
1998 09	4.37	29
1998 12	4.27	66
1999 03	4.2	98
1999 06	4.26	107
1999 09	4.34	81
1999 12	4.35	52
2000 03	4.35	9
2000 06	4.36	-28
2000 09	4.29	-24
2000 12	4.21	45
2001 03	4.15	137
2001 06	4.07	237
2001 09	4.1	295
2001 12	4.14	334
2002 03	4.1	295
2002 06	4.26	274
2002 09	4.27	256
2002 12	4.18	262
2003 03	3.995	279
2003 06	4.02	302
2003 09	4.03	318
2003 12	4.05	323
2004 03	3.96	292
2004 06	4.02	263