| 2004-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2745% | 1,785 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0802% | 1,532 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0334% | 8,407 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2150% | 768 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2457% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2000% | 828 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0495% | 7,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1230% | 335 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1868% | 601 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0017% | 7,007 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3032% | 1,566 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3843% | 401 |
| Percentage Net Loans Charged-off:Construction & development | 0.0905% | 331 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0247% | 8,432 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2594% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8625% | 182 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6260% | 108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9740% | 160 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0333% | 7,139 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3612% | 213 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4157% | 414 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0106% | 1,193 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1017% | 1,275 |
| 2004-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2966% | 1,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3217% | 434 |
| Percentage Net Loans Charged-off:Construction & development | 0.2715% | 173 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0487% | 8,559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6767% | 231 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2538% | 5,971 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1020% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0528% | 1,983 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0964% | 291 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1277% | 462 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0053% | 883 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.1461% | 489 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0342% | 44 |
| Percentage Net Loans Charged-off:Construction & development | 0.5214% | 311 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3276% | 635 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1201% | 6,514 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9233% | 27 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0267% | 36 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2897% | 26 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9015% | 1,821 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.1100% | 259 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3733% | 365 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1886% | 1,363 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1414% | 50 |
| 2003-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.0310% | 488 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0076% | 136 |
| Percentage Net Loans Charged-off:Construction & development | 0.6037% | 237 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3257% | 512 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1582% | 6,505 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6915% | 83 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1333% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5129% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9736% | 1,440 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0693% | 255 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5774% | 351 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2548% | 1,111 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2317% | 40 |
| 2003-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.9741% | 547 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9404% | 144 |
| Percentage Net Loans Charged-off:Construction & development | 0.7201% | 195 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2192% | 547 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4697% | 6,459 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5781% | 83 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8792% | 50 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4550% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9376% | 1,372 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4334% | 344 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9940% | 443 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2776% | 941 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2928% | 33 |
| 2003-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.0801% | 456 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0057% | 143 |
| Percentage Net Loans Charged-off:Construction & development | 0.4649% | 154 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1838% | 383 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7139% | 84 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7084% | 43 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7161% | 88 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8967% | 1,097 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6393% | 374 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8111% | 469 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3665% | 671 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.3826% | 452 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0725% | 163 |
| Percentage Net Loans Charged-off:Construction & development | 0.4854% | 338 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4193% | 571 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7258% | 82 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6065% | 84 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5768% | 55 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6182% | 90 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8848% | 1,114 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2226% | 398 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6319% | 403 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4971% | 1,032 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2659% | 45 |
| 2001-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.2543% | 519 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8758% | 183 |
| Percentage Net Loans Charged-off:Construction & development | 0.1367% | 520 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0730% | 1,036 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1805% | 128 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2791% | 97 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9716% | 117 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3702% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6645% | 1,172 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5798% | 538 |
| Percentage Net Loans Charged-off: Credit card loans | 8.6831% | 191 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6119% | 921 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0124% | 72 |
| 2000-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.6531% | 959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2867% | 87 |
| Percentage Net Loans Charged-off:Construction & development | 0.0511% | 186 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1213% | 152 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0080% | 1,349 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3158% | 93 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2919% | 108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3207% | 89 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2047% | 200 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2449% | 318 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1386% | 728 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2749% | 216 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3654% | 1,913 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0784% | 324 |
| Percentage Net Loans Charged-off:Construction & development | -0.0692% | 1,384 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0001% | 414 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0338% | 1,344 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1222% | 244 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0892% | 233 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1328% | 220 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5257% | 375 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0712% | 408 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0271% | 984 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2177% | 254 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4135% | 1,812 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0357% | 1,362 |
| Percentage Net Loans Charged-off:Construction & development | -0.6098% | 1,383 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2653% | 1,394 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0484% | 119 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0272% | 630 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0380% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0240% | 599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3428% | 464 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1911% | 395 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0470% | 167 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7463% | 104 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1508% | 4,515 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0094% | 1,255 |
| Percentage Net Loans Charged-off:Construction & development | -0.4944% | 1,356 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0863% | 1,296 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0254% | 1,299 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0225% | 743 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0559% | 316 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0115% | 794 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1255% | 676 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3850% | 374 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6929% | 249 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0758% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1404% | 483 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2882% | 3,090 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0701% | 521 |
| Percentage Net Loans Charged-off:Construction & development | -0.0188% | 1,303 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1287% | 328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4924% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0177% | 786 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0951% | 267 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0077% | 1,379 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5344% | 317 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0910% | 467 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1339% | 275 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2133% | 1,294 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0881% | 502 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0954% | 5,741 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1289% | 438 |
| Percentage Net Loans Charged-off:Construction & development | -0.0711% | 1,353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3441% | 298 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4022% | 163 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0229% | 737 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0581% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0054% | 905 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0157% | 774 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2891% | 283 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0058% | 1,019 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0871% | 1,241 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0914% | 525 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | -0.1506% | 11,693 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1591% | 463 |
| Percentage Net Loans Charged-off:Construction & development | 0.0905% | 291 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5182% | 279 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0382% | 311 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0300% | 707 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0717% | 262 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 915 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0080% | 1,007 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9905% | 307 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.7498% | 1,260 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2608% | 42 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4349% | 3,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9259% | 195 |
| Percentage Net Loans Charged-off:Construction & development | 4.2105% | 121 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7323% | 181 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3086% | 142 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0439% | 719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0207% | 415 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0598% | 613 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2462% | 707 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7912% | 507 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0043% | 1,269 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2383% | 252 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.6514% | 80 |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 5.6191% | 83 |
| Percentage Net Loans Charged-off: Total real estate loans | 19.0710% | 2 |
| Percentage Net Loans Charged-off:Construction & development | 23.5879% | 18 |
| Percentage Net Loans Charged-off: Commercial real estate | 32.4012% | 2 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.0577% | 52 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0967% | 613 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0029% | 1,278 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1418% | 488 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2556% | 305 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6993% | 790 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7161% | 154 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 13.7928% | 29 |
