| 1998-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3946% | 1,890 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0539% | 1,394 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1145% | 242 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0032% | 1,270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0045% | 1,278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4554% | 378 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5450% | 806 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2798% | 552 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3257% | 63 |
| 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 | 0.6468% | 1,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3017% | 106 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7482% | 52 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0169% | 1,360 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0212% | 1,371 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9422% | 189 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5983% | 807 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0348% | 663 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7687% | 91 |
| 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 | 0.1399% | 4,993 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1383% | 356 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3551% | 194 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0023% | 1,010 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0027% | 956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0772% | 745 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2375% | 1,158 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4167% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0594% | 1,249 |
| 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 | 0.0771% | 6,201 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2117% | 309 |
| Percentage Net Loans Charged-off:Construction & development | 1.3496% | 90 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1917% | 391 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0291% | 681 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1951% | 164 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0221% | 1,092 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1017% | 1,241 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0719% | 1,297 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0865% | 1,240 |
| 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 | -0.0275% | 10,564 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 1,223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0045% | 1,194 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| 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 | -0.2071% | 1,194 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3089% | 844 |
| Percentage Net Loans Charged-off: Credit card loans | -1.5744% | 1,301 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5864% | 1,249 |
| 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 | 0.1507% | 6,152 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1987% | 569 |
| Percentage Net Loans Charged-off:Construction & development | 0.1050% | 419 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2962% | 514 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0191% | 917 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0222% | 842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1344% | 800 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0723% | 1,236 |
| Percentage Net Loans Charged-off: Credit card loans | -2.8018% | 1,305 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2806% | 233 |
| 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 | 0.4762% | 4,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2177% | 728 |
| Percentage Net Loans Charged-off:Construction & development | 0.8896% | 393 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1839% | 765 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8580% | 635 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1799% | 1,263 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3069% | 1,304 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4502% | 208 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |
