| 2000-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0222% | 6,645 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0223% | 621 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0053% | 1,344 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0312% | 546 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0314% | 511 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,356 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0531% | 5,966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0537% | 429 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1053% | 1,390 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0149% | 1,332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0895% | 326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0905% | 313 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,370 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0879% | 5,402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0793% | 348 |
| Percentage Net Loans Charged-off:Construction & development | -0.1627% | 1,338 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2793% | 1,396 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3990% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0802% | 349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0815% | 321 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7140% | 672 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0948% | 5,607 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1027% | 337 |
| Percentage Net Loans Charged-off:Construction & development | -0.3901% | 1,350 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1069% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2668% | 1,349 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2137% | 138 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0270% | 1,254 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2188% | 124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3541% | 1,480 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8795% | 878 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1349% | 5,088 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1176% | 390 |
| Percentage Net Loans Charged-off:Construction & development | -3.5643% | 1,448 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0455% | 435 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0811% | 1,363 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2469% | 157 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2555% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7215% | 702 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4952% | 523 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.7637% | 968 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7689% | 96 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9095% | 145 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4551% | 88 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5524% | 70 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5824% | 63 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6321% | 635 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5135% | 126 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.5027% | 400 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5049% | 59 |
| Percentage Net Loans Charged-off:Construction & development | 1.1705% | 132 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.7104% | 57 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.6661% | 41 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0242% | 1,388 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0252% | 1,389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7556% | 85 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3497% | 202 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7704% | 474 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2312% | 4,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1898% | 579 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0350% | 1,370 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4770% | 226 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1638% | 378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0888% | 305 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1675% | 365 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6918% | 221 |
| Percentage Net Loans Charged-off: Credit card loans | 19.1108% | 16 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.5485% | 1,156 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5447% | 149 |
| Percentage Net Loans Charged-off:Construction & development | 42.9009% | 9 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2428% | 343 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0987% | 227 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4467% | 185 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5885% | 87 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4393% | 203 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5874% | 350 |
| Percentage Net Loans Charged-off: Credit card loans | 23.0120% | 16 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
