| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1466% | 4,593 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0354% | 606 |
| Percentage Net Loans Charged-off:Construction & development | -0.0619% | 1,285 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 1,126 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0479% | 547 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1584% | 201 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0420% | 550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4794% | 347 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5853% | 825 |
| 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 | 0.0000% | 386 |
| 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 | 0.2663% | 3,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2443% | 213 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7565% | 104 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1749% | 229 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4298% | 96 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1657% | 238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3412% | 429 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8147% | 634 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.2363% | 3,460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1960% | 327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4008% | 275 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1599% | 265 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0986% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1622% | 261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7507% | 225 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0295% | 1,326 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| 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 | 0.1397% | 4,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0231% | 864 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0287% | 721 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3730% | 102 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0130% | 826 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2004% | 180 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3636% | 788 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8197% | 254 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| 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 | 0.7340% | 1,854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3902% | 381 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0580% | 1,385 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.9557% | 43 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3367% | 218 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3337% | 144 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3368% | 218 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8804% | 107 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0720% | 385 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| 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 | 0.4476% | 4,666 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4653% | 489 |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6599% | 157 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3661% | 237 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2486% | 198 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3762% | 242 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4348% | 831 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3559% | 1,100 |
| 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 | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |
