| 2004-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2328% | 1,770 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2135% | 607 |
| Percentage Net Loans Charged-off:Construction & development | -0.0132% | 7,823 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2974% | 278 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5691% | 278 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6265% | 250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3927% | 1,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5546% | 2,766 |
| 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 | 0.0111% | 877 |
| 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 | 0.6654% | 1,028 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0311% | 2,945 |
| Percentage Net Loans Charged-off:Construction & development | -0.0097% | 7,959 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0079% | 8,401 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4382% | 519 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5064% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4327% | 548 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2537% | 1,427 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5798% | 3,861 |
| 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 | 2.6766% | 352 |
| 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 | 0.6485% | 941 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0263% | 2,595 |
| Percentage Net Loans Charged-off:Construction & development | -0.0097% | 7,949 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0107% | 8,474 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4039% | 495 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4355% | 469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9343% | 1,486 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7225% | 2,950 |
| 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 | 2.9503% | 301 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.7169% | 835 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 2,079 |
| Percentage Net Loans Charged-off:Construction & development | -0.0092% | 7,928 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0163% | 8,531 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5323% | 355 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5774% | 334 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3631% | 1,029 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8383% | 2,458 |
| 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 | 2.5294% | 327 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.7183% | 743 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0493% | 1,438 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0132% | 8,626 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6121% | 289 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6737% | 266 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3918% | 1,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9092% | 942 |
| 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 | 3.4662% | 232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.8113% | 938 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4831% | 439 |
| Percentage Net Loans Charged-off:Construction & development | 0.3885% | 381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1319% | 994 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4063% | 545 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4734% | 469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6107% | 1,293 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7653% | 3,126 |
| 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 | 0.8451% | 783 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.9096% | 284 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4248% | 454 |
| Percentage Net Loans Charged-off:Construction & development | 0.0301% | 731 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0571% | 1,105 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7144% | 257 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7587% | 240 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.7171% | 225 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6043% | 1,146 |
| 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 | 0.4308% | 1,069 |
| 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 | 0.3295% | 2,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1377% | 184 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0992% | 175 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6315% | 48 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6375% | 47 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8383% | 292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5138% | 773 |
| Percentage Net Loans Charged-off: Credit card loans | 13.2042% | 47 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1146% | 288 |
| 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 | 1.0110% | 560 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3103% | 79 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4768% | 54 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1375% | 216 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1384% | 213 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9304% | 94 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7980% | 130 |
| 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 | 0.9980% | 79 |
| 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 | 0.3794% | 1,970 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1706% | 169 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0841% | 269 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3751% | 61 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3787% | 62 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3197% | 179 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0495% | 269 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5389% | 138 |
| 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 | 0.9553% | 636 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2377% | 141 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2339% | 167 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0799% | 395 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0803% | 367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3742% | 110 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9670% | 237 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3375% | 596 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1284% | 59 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -3.2051% | 503 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3856% | 2,320 |
| 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 | 0.8877% | 788 |
| 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 | 0.6661% | 1,317 |
| 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 | 0.1729% | 5,763 |
| 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 | 0.8122% | 2,683 |
| 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 |
