Chart 3.
The title is "Growing Concentration in Long-Term Assets Elevates Interest Rate Risk." This is a line graph showing the share of assets maturing or repricing in five years or longer relative to total earning assets for both commercial and savings banks. Commercial banks' share has remained fairly constant from 1989 through 2000, ranging between 10 and 15 percent. Savings banks' shares, however, rose slowly from 20 percent in 1989 to about 28 percent in 1997, when the share began to rise sharply; the 2000 share is almost 45 percent.