| 1998-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2337% | 3,067 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1996% | 1,458 |
| Percentage Net Loans Charged-off:Construction & development | -0.0545% | 1,306 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4255% | 1,416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0263% | 130 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0241% | 1,375 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0188% | 1,258 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0255% | 1,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1547% | 696 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7023% | 679 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9502% | 280 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5087% | 145 |
| 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 | 0.1324% | 4,878 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1642% | 1,441 |
| Percentage Net Loans Charged-off:Construction & development | -0.3618% | 1,346 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4123% | 1,400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3854% | 98 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0038% | 943 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1248% | 235 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0159% | 1,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1166% | 1,268 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6390% | 775 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0647% | 437 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5748% | 109 |
| 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 | 0.1837% | 4,304 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0551% | 585 |
| Percentage Net Loans Charged-off:Construction & development | -0.0962% | 1,353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1537% | 310 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0354% | 1,350 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0667% | 477 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0758% | 416 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0628% | 1,227 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4582% | 950 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2646% | 585 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5825% | 119 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0755% | 501 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0750% | 6,260 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0131% | 910 |
| Percentage Net Loans Charged-off:Construction & development | -2.3477% | 1,457 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6013% | 212 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0817% | 246 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0149% | 835 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0221% | 351 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0141% | 811 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0512% | 1,132 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2514% | 1,063 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1544% | 487 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0919% | 307 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -1.6842% | 570 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2674% | 3,281 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4358% | 225 |
| Percentage Net Loans Charged-off:Construction & development | 2.6371% | 84 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6709% | 234 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0427% | 1,324 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0007% | 1,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 1,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0724% | 1,089 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2547% | 931 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6827% | 511 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3137% | 156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 5.0152% | 15 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4189% | 3,213 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1333% | 677 |
| Percentage Net Loans Charged-off:Construction & development | 1.2657% | 240 |
| 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 | 0.0282% | 834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0318% | 767 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0316% | 377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4165% | 826 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5839% | 613 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2147% | 263 |
| 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 | 1.5244% | 1,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8553% | 109 |
| Percentage Net Loans Charged-off:Construction & development | 7.4803% | 106 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9052% | 424 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0483% | 798 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0530% | 741 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3428% | 494 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5401% | 363 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5334% | 329 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0259% | 115 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
