| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3250% | 2,151 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2242% | 111 |
| Percentage Net Loans Charged-off:Construction & development | 0.1435% | 104 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7705% | 4 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0621% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0188% | 769 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0450% | 298 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0149% | 755 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3091% | 552 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5738% | 738 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5390% | 432 |
| 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 | 0.2343% | 3,060 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1514% | 193 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5645% | 13 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0414% | 532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0989% | 235 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0332% | 545 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0335% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4659% | 872 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8515% | 848 |
| 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 | NA | NA |
| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1366% | 4,788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0465% | 538 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0645% | 328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0485% | 546 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0778% | 285 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0444% | 540 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4050% | 977 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7253% | 727 |
| 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 | 0.0134% | 8,228 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0915% | 1,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.1042% | 200 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.6482% | 1,501 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4224% | 1,410 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0439% | 578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0513% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0431% | 546 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4153% | 986 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2101% | 836 |
| 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 | 0.0781% | 6,178 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0142% | 900 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4404% | 82 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.7435% | 1,418 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1177% | 1,512 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1496% | 185 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1426% | 1,511 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3649% | 907 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8563% | 858 |
| 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 | 0.5010% | 1,781 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5307% | 188 |
| Percentage Net Loans Charged-off:Construction & development | 0.0432% | 314 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6481% | 35 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0233% | 762 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0491% | 295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0213% | 742 |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3286% | 822 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3345% | 931 |
| 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 | 0.6577% | 2,102 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7125% | 250 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6162% | 119 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2964% | 243 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3131% | 235 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3418% | 916 |
| 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 | 0.4728% | 4,465 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4164% | 531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8708% | 433 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5612% | 142 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0729% | 699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0764% | 662 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7680% | 736 |
| 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 | NA | NA |
