Chart 2. The title is "The Region's Community Banks Report Lower Past-Due Residential Loan Ratios than the Nation".

A line chart comparing the percentages of past-due residential loans in the nation and the New York Region. In third quarter 1999, 1.54% of loans in the nation and 1.46% of loans in the New York Region were past due. In first quarter 2000, 1.51 % of loans in the nation and 1.28% of loans in the New York Region were past due. In third quarter 2000, 1.52% of loans in the nation and 1.23% of loans in the New York Region were past due. In first quarter 2001, 1.74% of loans in the nation and 1.31% of loans in the New York Region were past due. In third quarter 2001, 1.8% of loans in the nation and 1.27% of loans in the New York Region were past due. In first quarter 2002, 1.76% of loans in the nation and 1.13% of loans in the New York Region were past due. In third quarter 2002, 1.75% of loans in the nation and 1.1% of loans in the New York Region were past due. In first quarter 2003, 1.87% of loans in the nation and 1.17% of loans in the New York Region were past due. In third quarter 2003, 1.72% of loans in the nation and 1.01% of loans in the New York Region were past due.