Chart 3. The title is "The Region's Community Banks Have Increased Holdings of Mortgage-Related Assets Since the Start of the 2001 Downturn".

A bar chart showing the growth rates of various holdings from first quarter 2001 through third quarter 2003. Total mortgage-related assets grew 24.37%; home equity lines of credit and second mortgages grew 31.90%; mortgage-backed securities grew 62.28%; first mortgage loans grew 3.02%; and commercial and industrial loans grew minus 0.52%.