| 2004-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0186% | 6,159 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0231% | 8,315 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 8,103 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0579% | 8,493 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0652% | 8,485 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1533% | 7,849 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6564% | 3,148 |
| 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% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0263% | 5,365 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,676 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0018% | 8,154 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0003% | 7,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0004% | 7,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2853% | 4,465 |
| 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% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1358% | 2,898 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1087% | 8,675 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1685% | 8,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0849% | 8,585 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0946% | 8,598 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2353% | 7,883 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5807% | 508 |
| 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% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0903% | 3,021 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1751% | 8,772 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3384% | 8,720 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0757% | 8,595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0838% | 8,611 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4056% | 8,081 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7450% | 550 |
| 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 | NA | NA |
| 2003-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4753% | 1,542 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2732% | 813 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1059% | 258 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0998% | 8,764 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1077% | 8,754 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1031% | 4,098 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6848% | 513 |
| 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 | NA | NA |
| 2003-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1455% | 3,604 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0622% | 8,729 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0697% | 961 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1292% | 8,836 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1389% | 8,829 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2885% | 8,272 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4758% | 550 |
| 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 | 0.0987% | 4,001 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0663% | 8,780 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1169% | 671 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1469% | 8,881 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1574% | 8,886 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5026% | 8,412 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5406% | 554 |
| 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 | 0.0838% | 3,599 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0154% | 1,790 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0800% | 8,781 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0511% | 1,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0547% | 1,177 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0541% | 8,589 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0364% | 489 |
| 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 | 0.8093% | 939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1591% | 1,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3771% | 8,962 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3383% | 648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3622% | 626 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9468% | 706 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1616% | 784 |
| 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 | 0.9004% | 818 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1683% | 1,153 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2225% | 860 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2370% | 807 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8617% | 493 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3203% | 1,542 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| 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 | 0.6496% | 967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5317% | 38 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6126% | 43 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5345% | 57 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5690% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7887% | 310 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0382% | 173 |
| 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 | 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 | 0.2682% | 2,532 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1940% | 133 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2909% | 93 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1256% | 235 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1670% | 176 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1815% | 698 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2357% | 345 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1922% | 1,287 |
| 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 | 0.3018% | 2,453 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2823% | 89 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5311% | 71 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1700% | 162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2217% | 115 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2480% | 560 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8662% | 561 |
| Percentage Net Loans Charged-off: Credit card loans | -1.7402% | 1,290 |
| 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 | 0.6399% | 1,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1860% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3291% | 78 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4215% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4263% | 105 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1627% | 217 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6589% | 910 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2190% | 3,813 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0333% | 694 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0532% | 534 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0655% | 452 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3160% | 451 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6156% | 291 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5253% | 513 |
| 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 | 0.0000% | 34 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0732% | 6,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0249% | 807 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0365% | 619 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0435% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0060% | 1,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7987% | 495 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0937% | 787 |
| 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 | 0.0000% | 48 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0577% | 6,790 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,087 |
| 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 | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0055% | 999 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7193% | 439 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0295% | 224 |
| 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 | 0.0000% | 53 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1768% | 5,713 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0233% | 1,421 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0349% | 1,463 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0406% | 1,458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4501% | 575 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6958% | 563 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9714% | 502 |
| 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 | 0.0000% | 93 |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.5179% | 4,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1438% | 848 |
| Percentage Net Loans Charged-off:Construction & development | 2.3355% | 262 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 1,449 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0021% | 1,446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7251% | 686 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7207% | 312 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8334% | 656 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0240% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |
