| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2508% | 2,691 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0393% | 1,428 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0853% | 1,375 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1758% | 1,384 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0056% | 1,361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0126% | 345 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0076% | 1,374 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2815% | 577 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5943% | 720 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6795% | 403 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9361% | 84 |
| 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 | 0.1232% | 4,652 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1201% | 1,439 |
| Percentage Net Loans Charged-off:Construction & development | -0.6220% | 1,384 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2202% | 1,382 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5915% | 1,360 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0147% | 744 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0460% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0113% | 719 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2204% | 597 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6660% | 714 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2772% | 234 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1800% | 261 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0053% | 449 |
| 1997-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0340% | 7,245 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2234% | 1,452 |
| Percentage Net Loans Charged-off:Construction & development | -0.0080% | 1,229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6856% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1990% | 1,339 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0114% | 1,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0518% | 323 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0208% | 1,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1082% | 698 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6425% | 772 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2399% | 412 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2867% | 177 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1128% | 478 |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | -0.2422% | 11,129 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.6884% | 1,529 |
| Percentage Net Loans Charged-off:Construction & development | -0.0868% | 1,349 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.2121% | 1,493 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0253% | 1,343 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1207% | 1,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0425% | 337 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2075% | 1,508 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0014% | 889 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2861% | 1,110 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7549% | 935 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0759% | 1,257 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -1.4196% | 528 |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.1701% | 535 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2161% | 22 |
| Percentage Net Loans Charged-off:Construction & development | 2.6289% | 58 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2153% | 32 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.8268% | 1,422 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4126% | 103 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5915% | 65 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2720% | 168 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4851% | 312 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2450% | 1,529 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2330% | 748 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0504% | 353 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 4.2877% | 8 |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.5947% | 370 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6547% | 52 |
| Percentage Net Loans Charged-off:Construction & development | 4.3220% | 55 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5918% | 109 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7485% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4451% | 30 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1301% | 200 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2238% | 14 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9300% | 113 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5856% | 549 |
| Percentage Net Loans Charged-off: Credit card loans | 8.8229% | 27 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0339% | 319 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0354% | 488 |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 3.6682% | 140 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.4530% | 24 |
| Percentage Net Loans Charged-off:Construction & development | 15.9985% | 31 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4736% | 91 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.7929% | 37 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5670% | 14 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4847% | 110 |
| All other 1-4 family - Percent of loans charged-off, net | 5.2478% | 10 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7006% | 158 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.6998% | 45 |
| Percentage Net Loans Charged-off: Credit card loans | 45.4312% | 9 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7771% | 115 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 3.1806% | 45 |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 3.1511% | 313 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0115% | 47 |
| Percentage Net Loans Charged-off:Construction & development | 1.9549% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7004% | 268 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.0920% | 21 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4443% | 17 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1309% | 12 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1443% | 24 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8027% | 246 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.2301% | 39 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| 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 | 0.8701% | 96 |
