A line chart showing the yield curve spread in basis points and the median net interest margin from first quarter 1995 through third quarter 2002. The yield curve spread was 156 basis points in first quarter 1995, 95 basis points in fourth quarter 1996, 150 basis points in second quarter 1997, 39 basis points in first quarter 1998, 109 basis points in third quarter 1999, 28 basis points in second quarter 2000, minus 63 basis points in first quarter 2001, 174 basis points in fourth quarter 2001, and 259 basis points in third quarter 2002.
The net interest margin was 3.54 in first quarter 1995, 3.44 in fourth quarter 1995, 3.52 in third quarter 1996, 3.49 in second quarter 1997, 3.43 in first quarter 1998, 3.21 in fourth quarter 1998, 3.24 in third quarter 1999, 3.17 in second quarter 2000, 3.04 in first quarter 2001, 3.02 in fourth quarter 2001, and 3.30 in third quarter 2002.