| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1983% | 3,832 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1118% | 300 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2590% | 1,375 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1902% | 170 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1978% | 139 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5831% | 297 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6890% | 287 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0158% | 313 |
| 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 | 0.3560% | 2,526 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2160% | 251 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2360% | 257 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1954% | 159 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2299% | 178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2392% | 164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7297% | 34 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9900% | 533 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5774% | 329 |
| 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 | 0.1099% | 5,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0947% | 513 |
| 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 | 1.3403% | 95 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0226% | 744 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0237% | 690 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6633% | 256 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2699% | 1,041 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3274% | 1,315 |
| 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 | 0.0614% | 6,670 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0143% | 935 |
| 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 | 0.0170% | 833 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0180% | 783 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6582% | 127 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6871% | 463 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| 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 | 0.1566% | 6,055 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0432% | 944 |
| 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 | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0517% | 682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0548% | 642 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9656% | 388 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8065% | 210 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3112% | 139 |
| 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 | 0.6141% | 3,536 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4742% | 480 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.9668% | 92 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1889% | 217 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0015% | 1,156 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0016% | 1,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9815% | 107 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7657% | 295 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8527% | 448 |
| 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 |
