| 2004-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2251% | 2,121 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0582% | 1,820 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0325% | 1,002 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0638% | 1,706 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0353% | 454 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0818% | 1,476 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3089% | 2,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5552% | 3,189 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9962% | 647 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1649% | 1,025 |
| 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 | 0.6904% | 647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3439% | 446 |
| Percentage Net Loans Charged-off:Construction & development | -0.5179% | 7,966 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2481% | 451 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3828% | 444 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4617% | 134 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3365% | 516 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9751% | 1,068 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3239% | 1,341 |
| Percentage Net Loans Charged-off: Credit card loans | 8.7591% | 134 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7129% | 548 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.9256% | 477 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6257% | 228 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3026% | 277 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6927% | 228 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9248% | 69 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5625% | 284 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7728% | 964 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4928% | 1,245 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5106% | 173 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1692% | 252 |
| 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 | 1.6688% | 283 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5008% | 89 |
| Percentage Net Loans Charged-off:Construction & development | -0.1151% | 8,055 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1110% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5428% | 45 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7423% | 86 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8840% | 105 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1676% | 62 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7633% | 1,024 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9653% | 875 |
| Percentage Net Loans Charged-off: Credit card loans | 9.2593% | 140 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.0946% | 430 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.0700% | 464 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6199% | 263 |
| Percentage Net Loans Charged-off:Construction & development | 0.1513% | 415 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.4104% | 32 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7056% | 246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5724% | 106 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7702% | 233 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8178% | 836 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7746% | 950 |
| Percentage Net Loans Charged-off: Credit card loans | 9.6094% | 142 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6942% | 452 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.0605% | 488 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6181% | 267 |
| Percentage Net Loans Charged-off:Construction & development | 0.2262% | 311 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.3571% | 20 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6877% | 260 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9011% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5858% | 329 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9649% | 773 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6420% | 1,110 |
| Percentage Net Loans Charged-off: Credit card loans | 10.4651% | 142 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.0416% | 283 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.7540% | 700 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6109% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.6940% | 12 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6882% | 251 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9078% | 70 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5838% | 303 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0077% | 1,017 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6087% | 2,853 |
| Percentage Net Loans Charged-off: Credit card loans | 6.7797% | 298 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 5.2738% | 171 |
| 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 | 0.9948% | 708 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6770% | 302 |
| Percentage Net Loans Charged-off:Construction & development | 0.6073% | 303 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1170% | 1,039 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.3819% | 38 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7345% | 257 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7822% | 107 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7135% | 265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1707% | 1,671 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6519% | 1,196 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7381% | 546 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7769% | 465 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.1285% | 34 |
| 2001-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.9365% | 773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6541% | 269 |
| Percentage Net Loans Charged-off:Construction & development | -0.0006% | 8,140 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1751% | 775 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9286% | 39 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7343% | 247 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7897% | 137 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7152% | 258 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1893% | 1,576 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7820% | 967 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2285% | 305 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6579% | 892 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1915% | 63 |
| 2000-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.8541% | 694 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5128% | 42 |
| Percentage Net Loans Charged-off:Construction & development | -0.0276% | 1,397 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0108% | 379 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4332% | 38 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6281% | 49 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8021% | 12 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2531% | 115 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0903% | 222 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0939% | 167 |
| Percentage Net Loans Charged-off: Credit card loans | 7.8829% | 79 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4654% | 166 |
| 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 | 1.0865% | 493 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4310% | 45 |
| Percentage Net Loans Charged-off:Construction & development | 0.2379% | 84 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0734% | 1,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6022% | 40 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6314% | 55 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5890% | 44 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4187% | 441 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1060% | 118 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5976% | 172 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3762% | 193 |
| 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 | 1.8271% | 290 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0855% | 334 |
| Percentage Net Loans Charged-off:Construction & development | 0.0050% | 219 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2072% | 1,381 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2250% | 118 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1619% | 178 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2888% | 90 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5729% | 301 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4926% | 71 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8915% | 80 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4311% | 162 |
| 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 | 2.6053% | 170 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1302% | 272 |
| Percentage Net Loans Charged-off:Construction & development | 0.0496% | 193 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0042% | 1,122 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2377% | 1,346 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2246% | 127 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3642% | 101 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0876% | 338 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5266% | 316 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3990% | 60 |
| Percentage Net Loans Charged-off: Credit card loans | 7.6253% | 82 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9831% | 75 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0392% | 26 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 2.7748% | 161 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1129% | 396 |
| Percentage Net Loans Charged-off:Construction & development | 0.0559% | 223 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0752% | 1,321 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.6475% | 1,429 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3257% | 122 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3408% | 114 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3104% | 119 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2247% | 547 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0671% | 46 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2389% | 111 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1193% | 307 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.9368% | 523 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.5347% | 350 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1412% | 1,504 |
| Percentage Net Loans Charged-off:Construction & development | 0.3190% | 176 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.9086% | 1,498 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.8732% | 1,423 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2468% | 182 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3043% | 118 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1708% | 242 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1315% | 1,200 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0836% | 79 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2450% | 274 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0769% | 321 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.1787% | 20 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.6761% | 343 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1442% | 491 |
| Percentage Net Loans Charged-off:Construction & development | 0.1701% | 262 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5337% | 276 |
| Percentage Net Loans Charged-off: Multi-family residential | -2.8492% | 1,416 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1922% | 269 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2605% | 131 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1004% | 415 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1939% | 524 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8821% | 67 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1718% | 195 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1326% | 225 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.6500% | 38 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.7652% | 587 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0497% | 1,455 |
| Percentage Net Loans Charged-off:Construction & development | -0.0182% | 1,323 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0054% | 1,321 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.9529% | 1,435 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1874% | 344 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2080% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1635% | 374 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0919% | 834 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1338% | 95 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7191% | 203 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3249% | 212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 3.0400% | 337 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2881% | 191 |
| Percentage Net Loans Charged-off:Construction & development | -0.0020% | 1,394 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2765% | 332 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.7915% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8466% | 75 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2772% | 179 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4529% | 35 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9991% | 584 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0929% | 55 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8339% | 185 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2984% | 258 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.6306% | 103 |
