It is a line chart that shows the percentage of institutions with median long-term assets/earning assets of 20 percent to 30 percent, 30 percent to 40 percent, and more than 40 percent, from 1991 through 2001. From 1991 through 1996, only 10.4 percent to 14.4 percent of these institutions had long-term asset concentrations greater than 40 percent. In 1997, the percentage rose to 20.7; in 1998, it rose to 35.8; in 1999, to 50.6; in 2000, it was 46.6; and in 2001, it rose again to 51.