Chart 5

The title is "Commercial and Industrial Loan Performance Continues to Deteriorate."

A bar chart that shows the past-due ratio and the net charge-off ratio as of June of each year from 1995 to 2003. The past-due ratio for commercial and industrial loans was 1.67 percent in 1995, increased to 2.25 percent in 1998, dropped to 1.95 percent in 1999, and rose steadily to 3.79 percent in 2003. The net charge-off ratio for commercial and industrial loans was 0.06 percent in 1995, rose to 0.45 percent in 1996, fell to 0.25 percent in 1997, then continued to climb steadily to 1.73 percent in 2003.