| 2000-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3591% | 1,881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0177% | 671 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0287% | 564 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0326% | 502 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3154% | 588 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2588% | 315 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0937% | 743 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3307% | 2,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 845 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0463% | 1,324 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1117% | 72 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0283% | 670 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0319% | 609 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0694% | 859 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6515% | 238 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1629% | 509 |
| 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 | 0.2421% | 2,959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0235% | 668 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0246% | 378 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0248% | 654 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0267% | 586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0701% | 829 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5195% | 287 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3882% | 527 |
| 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 | 0.0000% | 24 |
| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1291% | 4,930 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0094% | 854 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0145% | 1,172 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0193% | 773 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0209% | 706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0640% | 766 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4709% | 351 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4768% | 180 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1945% | 4,152 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1505% | 342 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4640% | 160 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0421% | 584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0452% | 532 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1984% | 1,311 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7728% | 261 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8847% | 208 |
| 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 | 0.0000% | 34 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3184% | 2,701 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1018% | 497 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2241% | 363 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0620% | 483 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0669% | 451 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6472% | 258 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5646% | 207 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4207% | 86 |
| 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 | 0.0000% | 48 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3554% | 2,572 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0746% | 651 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0109% | 650 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0978% | 430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1049% | 404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9879% | 216 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6097% | 153 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1546% | 676 |
| 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 | 0.0000% | 53 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4515% | 3,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0567% | 890 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2730% | 526 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0056% | 1,375 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0060% | 1,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8080% | 242 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9365% | 432 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4143% | 392 |
| 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 | 0.0000% | 93 |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4372% | 4,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2449% | 692 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9635% | 404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0411% | 834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0442% | 774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3299% | 898 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2540% | 216 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5029% | 335 |
| 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 | 325.8621% | 3 |
