| 2006-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1143% | 2,479 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0548% | 1,548 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1997% | 8,310 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0123% | 140 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0634% | 1,489 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0323% | 484 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0654% | 1,401 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1474% | 2,171 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9093% | 1,472 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1071% | 2,379 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0443% | 1,502 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0675% | 8,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0188% | 92 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0489% | 1,412 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0236% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0506% | 1,323 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2033% | 1,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8544% | 1,496 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1244% | 1,850 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0464% | 1,045 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0508% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0179% | 296 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0530% | 888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1609% | 1,272 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0549% | 1,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1586% | 2,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0256% | 2,547 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0401% | 8,183 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0016% | 6,313 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0295% | 2,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0084% | 656 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0309% | 2,231 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1207% | 3,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8281% | 777 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1642% | 2,298 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0268% | 2,180 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0544% | 8,234 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0022% | 6,288 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0313% | 2,000 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0081% | 538 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0329% | 1,870 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1127% | 2,717 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9256% | 637 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1699% | 2,082 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0319% | 1,771 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0257% | 8,175 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0033% | 6,236 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0363% | 1,646 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0010% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0387% | 1,522 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0809% | 2,470 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0359% | 594 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1901% | 1,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 1,329 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0522% | 8,355 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0067% | 6,222 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0377% | 1,215 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0089% | 312 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0394% | 1,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1015% | 1,658 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2683% | 552 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2201% | 2,535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0167% | 3,164 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0111% | 6,396 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 2,750 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0027% | 648 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0207% | 2,590 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1507% | 3,331 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8787% | 424 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2281% | 2,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0182% | 2,678 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0124% | 6,347 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0219% | 2,281 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0101% | 521 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 2,144 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1626% | 2,729 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9830% | 360 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2355% | 1,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 2,293 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0185% | 6,317 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0219% | 1,923 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0039% | 5,903 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0231% | 1,798 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2583% | 2,057 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1710% | 372 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2943% | 1,453 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0236% | 1,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0366% | 6,271 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0311% | 1,328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0082% | 278 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0321% | 1,239 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3033% | 1,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3922% | 267 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3853% | 1,943 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0268% | 3,063 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4770% | 508 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0011% | 184 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0073% | 3,235 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0628% | 471 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0042% | 3,178 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2005% | 3,647 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.9839% | 59 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4418% | 1,030 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4280% | 1,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0307% | 2,489 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5907% | 344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0017% | 135 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0046% | 2,819 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0691% | 362 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0008% | 2,770 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3103% | 2,705 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.3501% | 48 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8362% | 1,181 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3348% | 1,857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0417% | 1,984 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8676% | 240 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0032% | 96 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 8,154 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0550% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0058% | 8,285 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8581% | 1,442 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.7993% | 101 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2928% | 937 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.3830% | 1,433 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0608% | 1,334 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6644% | 112 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0320% | 47 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0428% | 8,706 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0225% | 261 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0490% | 8,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0502% | 989 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.8025% | 121 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1671% | 544 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.0145% | 7,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0039% | 3,953 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0185% | 8,638 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0000% | 6,520 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0061% | 3,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0068% | 598 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0061% | 3,089 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1660% | 3,915 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1527% | 6,281 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5334% | 1,848 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
