| 2004-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 4.0644% | 53 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.4524% | 13 |
| Percentage Net Loans Charged-off:Construction & development | 0.1708% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.5705% | 30 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8345% | 63 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.7877% | 8,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.9006% | 8,806 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.3714% | 179 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.9690% | 55 |
| 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 | 26.1026% | 39 |
| 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 | 2.4515% | 127 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4604% | 34 |
| Percentage Net Loans Charged-off:Construction & development | -0.1677% | 7,930 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.3652% | 59 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1807% | 848 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2039% | 754 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8079% | 623 |
| Percentage Net Loans Charged-off: Loans to individuals | 11.8143% | 42 |
| 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 | 30.1389% | 33 |
| 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 | 0.5064% | 909 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0747% | 8,627 |
| Percentage Net Loans Charged-off:Construction & development | -0.3036% | 7,922 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0261% | 8,501 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1376% | 496 |
| Percentage Net Loans Charged-off: Loans to individuals | 25.5319% | 20 |
| 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% | 887 |
| 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 | 5.6233% | 39 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.0554% | 8 |
| Percentage Net Loans Charged-off:Construction & development | 16.8347% | 22 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4399% | 95 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9988% | 167 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2796% | 6,081 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1627% | 149 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.5848% | 356 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.9562% | 54 |
| 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% | 1,856 |
| 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 | 4.1043% | 70 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1505% | 20 |
| Percentage Net Loans Charged-off:Construction & development | 5.2537% | 55 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5972% | 65 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6272% | 279 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3115% | 6,039 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7523% | 248 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.6050% | 181 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9293% | 824 |
| 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% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.9146% | 600 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1701% | 112 |
| Percentage Net Loans Charged-off:Construction & development | 0.9695% | 161 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4047% | 155 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0596% | 8,706 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3727% | 6,007 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0151% | 8,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2912% | 2,433 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3523% | 8,714 |
| 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% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1283% | 2,998 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 8,119 |
| 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 | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0897% | 8,847 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5938% | 5,944 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0147% | 8,500 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4655% | 1,468 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| 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% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.8699% | 853 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0875% | 1,961 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1189% | 1,036 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2211% | 982 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1435% | 6,020 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2964% | 743 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7067% | 775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5834% | 3,911 |
| 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% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1205% | 4,737 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0584% | 2,239 |
| Percentage Net Loans Charged-off:Construction & development | 0.0455% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0499% | 1,134 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3303% | 593 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6906% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2720% | 3,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8356% | 2,761 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1930% | 1,181 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0415% | 6,027 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 546 |
| Percentage Net Loans Charged-off:Construction & development | 0.1088% | 132 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2021% | 134 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2994% | 96 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0572% | 930 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4266% | 275 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5209% | 632 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.0874% | 5,100 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0954% | 281 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1152% | 186 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5214% | 52 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8003% | 24 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0476% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7647% | 219 |
| Percentage Net Loans Charged-off: Credit card loans | 10.8696% | 39 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.1545% | 4,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2158% | 126 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2552% | 146 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0093% | 1,209 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7992% | 237 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2553% | 159 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.0383% | 7,092 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 0.0893% | 6,004 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | -0.0059% | 9,948 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 1.1851% | 587 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 0.2669% | 4,571 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | 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 | 0.1219% | 8,475 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
