Chart 2. The title is "Residential Lender's Core Deposit Costs May have Bottomed."

A line chart showing quarterly basis point change in median cost of time deposits and savings accounts from second quarter 1997 through fourth quarter 2001. The change in time deposits was 1 basis point in second quarter 1997, minus 12 in first quarter 1998, minus 15 in fourth quarter 1998, 13 in third quarter 1999, minus 6 in second quarter 2000, minus 13 in first quarter 2001, and minus 44 in fourth quarter 2001. The change in savings accounts was 12 basis points in second quarter 1999, minus 10 in first quarter 1998, minus 32 in fourth quarter 1998, minus 2 in third quarter 1999, 15 in second quarter 2000, minus 8 in first quarter 2001, and minus 45 in fourth quarter 2001.