Great Southern Bank Great Southern Bank Loan Portfolio Loan - - PowerPoint PPT Presentation

Great Southern Bank Great Southern Bank

Loan Portfolio Loan Portfolio

December 31, 2008

Portfolio Diversification Portfolio Diversification

12/31/08 Balance of $1,752,980 (000 12/31/08 Balance of $1,752,980 (000’s) s)

12/31/07 Balance of $1,848,274 (000 12/31/07 Balance of $1,848,274 (000’s) s)

*Includes Home Equity Loans of $48,387

*Includes Home Equity Loans of $41,586

Consumer Loans* $191,398 11% Industrial Revenue Bonds $59,412 3% Commercial Business $130,537 7% Multifamily Real Estate $127,122 7% Const & Land Development $543,869 32% Commercial Real Estate $473,846 27% Single Family Residential $226,796 13%

Consumer Loans* $164,774 9% Const & Land Development $685,990 37% Industrial Revenue Bonds $55,147 3% Commercial Real Estate $460,303 25% Single Family Residential $191,970 10% Multifamily Real Estate $87,177 5% Commercial Business $202,913 11%

Portfolio by Region Portfolio by Region

12/31/08 Balance of $1,752,980 (000 12/31/08 Balance of $1,752,980 (000’s) s)

12/31/07 Balance of $1,848,274 (000 12/31/07 Balance of $1,848,274 (000’s) s)

Other Kansas $38,363 2% Central Missouri $63,365 4%

• St. Louis

$226,648 13% Branson $213,015 12% Kansas City $96,449 6% Northwest Arkansas $153,828 9% Springfield $553,646 31% Other Missouri Regions $135,316 8% Other Out of State $272,350 15%

Other Kansas $49,722 3% Central Missouri $67,542 4%

• St. Louis

$254,989 13% Branson $214,579 12% Kansas City $113,228 6% Northwest Arkansas $202,857 11% Springfield $570,569 30% Other Missouri Regions $158,266 9% Other Out of State $216,522 12%

Commercial Real Estate Commercial Real Estate

12/31/08 Balance of $473,846 (000 12/31/08 Balance of $473,846 (000’s) s)

12/31/07 Balance of $460,303 (000 12/31/07 Balance of $460,303 (000’s) s)

Other $28,062 6% Recreational Facilities $28,328 6% Industrial $15,295 3% Healthcare $105,295 22% Motel / Hotel $119,627 25% Office Buildings $41,194 9% Restaurants $30,779 6% Retail $88,590 19% Storage Facilities $16,676 4%

Other $35,330 8% Recreational Facilities $30,528 7% Industrial $26,558 6% Healthcare $92,904 20% Motel / Hotel $115,801 24% Office Buildings $40,604 9% Restaurants $27,207 6% Retail $76,885 17% Storage Facilities $14,486 3%

Construction & Land Development Construction & Land Development

12/31/08 Balance of $543,869 (000 12/31/08 Balance of $543,869 (000’s) s)

12/31/07 Balance of $685,990 (000 12/31/07 Balance of $685,990 (000’s) s)

Other $31,833 6% Office Buildings $12,214 2% Healthcare $43,375 8% Retail $38,627 7% Single Family Residential $46,503 9% Recreation/Resort Condos $32,137 6% Residential Condos $15,033 3% Historic Rehab Condos $15,023 3% Apartments $64,903 12% Commercial Development $121,904 22% Residential Land Development $122,317 22% Other $52,757 8% Office Buildings $18,598 3% Healthcare $56,714 8% Retail $38,536 6% Single Family Residential $83,277 12% Recreation/Resort Condos $27,761 4% Residential Condos $19,443 3% Historic Rehab Condos $51,906 8% Apartments $83,720 12% Commercial Development $117,533 17% Residential Land Development $135,745 19%

Springfield Springfield Construction & Land Development

Construction & Land Development

12/31/08 Balance of $134,424 (000 12/31/08 Balance of $134,424 (000’s) s)

12/31/07 Balance of $167,190 (000 12/31/07 Balance of $167,190 (000’s) s)

Commercial Development $20,284 15% Office Buildings $4,866 4% Apartments $29,127 22% Historic Rehab Condos $1,074 1% Residential Land Development $48,219 35% Residential Condos $5,060 4% Single Family Residential $19,146 14% Other $6,648 5%

Single Family Residential $37,769 23% Residential Land Development $54,584 34% Commercial Development $17,088 10% Residential Condos $5,519 3% Apartments $37,513 22% Other $9,027 5% Office Buildings $5,690 3%

• St. Louis
• St. Louis Construction & Land Development

Construction & Land Development

12/31/08 Balance of $114,314 (000 12/31/08 Balance of $114,314 (000’s) s)

12/31/07 Balance of $156,670 (000 12/31/07 Balance of $156,670 (000’s) s)

Commercial Development $23,721 21% Retail $2,200 2% Apartments $19,280 17% Historic Rehab Condos $11,237 10% Residential Land Development $13,523 12% Residential Condos $2,990 3% Single Family Residential $3,776 3% Healthcare $12,959 11% Office Buildings $7,348 6% Other Commercial Real Estate $17,280 15%

Commercial Development $14,010 9% Retail $5,382 3% Apartments $7,800 5% Historic Rehab Condos $48,564 32% Residential Land Development $15,152 10% Residential Condos $4,953 3% Single Family Residential $1,813 1% Healthcare $25,643 16% Office Buildings $5,088 3% Other $28,265 18%

Branson Branson Construction & Land Development

Construction & Land Development

12/31/08 Balance of $86,408 (000 12/31/08 Balance of $86,408 (000’s) s)

12/31/07 Balance of $85,821 (000 12/31/07 Balance of $85,821 (000’s) s)

Single Family Residential $7,630 9% Residential Condos $1,322 2% Residential Land Development $19,178 22% Recreation/Resort Condos $22,764 26% Apartments $10,125 12% Other $170 0% Commercial Development $25,219 29% Single Family Residential $18,545 22% Residential Land Development $17,531 20% Commercial Development $20,244 24% Recreation/Resort Condos $17,762 21% Apartments $10,478 12% Other $1,261 1%

Northwest Arkansas Northwest Arkansas Construction & Land Development

Construction & Land Development

12/31/08 Balance of $72,347 (000 12/31/08 Balance of $72,347 (000’s) s)

12/31/07 Balance of $98,871 (000 12/31/07 Balance of $98,871 (000’s) s)

Single Family Residential $9,814 14% Commercial Development $31,772 43% Retail $3,729 5% Residential Land Development $23,533 33% Residential Condos $770 1% Other $2,729 4% Single Family Residential $11,828 12% Commercial Development $39,803 41% Retail $3,510 4% Residential Land Development $28,178 28% Residential Condos $4,427 4% Other $3,305 3% Office Buildings $7,820 8%

Kansas City Kansas City Construction & Land Development

Construction & Land Development

12/31/08 Balance of $38,257 (000 12/31/08 Balance of $38,257 (000’s) s)

12/31/07 Balance of $56,184 (000 12/31/07 Balance of $56,184 (000’s) s)

Single Family Residential $577 2% Residential Land Development $5,603 14% Commercial Development $4,059 11% Historic Rehab Condos $2,712 7% Apartments $223 1% Retail $25,083 65%

Other $2,045 4% Single Family Residential $2,064 4% Residential Condos $3,248 6% Residential Land Development $5,716 10% Historic Rehab Condos $3,341 6% Apartments $16,815 29% Retail $17,046 30% Commercial Development $5,909 11%

Central Missouri Central Missouri Construction & Land Development

Construction & Land Development

12/31/08 Balance of $25,969 (000 12/31/08 Balance of $25,969 (000’s) s)

12/31/07 Balance of $27,898 (000 12/31/07 Balance of $27,898 (000’s) s)

Single Family Residential $3,041 12% Commercial Development $9,020 35% Retail $333 1% Residential Land Development $4,202 16% Recreation/Resort Condos $9,373 36%

Single Family Residential $3,771 14% Commercial Development $10,144 36% Residential Land Development $4,172 15% Recreation/Resort Condos $9,811 35%

Other Regions Other Regions Construction & Land Development

Construction & Land Development

12/31/08 Balance of $72,150 (000 12/31/08 Balance of $72,150 (000’s) s)

12/31/07 Balance of $93,356 (000 12/31/07 Balance of $93,356 (000’s) s)

Other $5,307 7% Single Family Residential $2,519 3% Residential Land Development $8,059 11% Commercial Development $7,828 11% Residential Condos $4,892 7% Apartments $6,148 9% Healthcare $30,415 42% Retail $6,982 10%

Single Family Residential $7,487 8% Commercial Development $10,334 11% Retail $12,449 13% Residential Land Development $10,412 11% Apartments $11,115 12% Other $10,488 11% Healthcare $31,071 34%

Nonperforming Loans by Type Nonperforming Loans by Type

12/31/08 Balance of $33,202 (000 12/31/08 Balance of $33,202 (000’s) s)

12/31/07 Balance of $35,475 (000 12/31/07 Balance of $35,475 (000’s) s)

Commercial Business $1,221 4% Const & Land Development $15,890 48% Commercial Real Estate $2,480 7% Single Family Residential $3,302 10% Consumer Loans* $965 3% Multifamily Real Estate $9,344 28%

*Includes Home Equity Loans of $333

*Includes Home Equity Loans of $193 Consumer Loans* $429 1% Const & Land Development $14,702 42% Industrial Revenue Bonds $3,334 9% Commercial Real Estate $9,145 26% Single Family Residential $4,681 13% Multifamily Real Estate $561 2% Commercial Business $2,623 7%

Nonperforming Loans by Region Nonperforming Loans by Region

12/31/08 Balance of $33,202 (000 12/31/08 Balance of $33,202 (000’s) s)

12/31/07 Balance of $35,475 (000 12/31/07 Balance of $35,475 (000’s) s)

Central Missouri $452 1% Other Missouri Regions $1,464 4%

• St. Louis

$16,019 49% (2 Relationships - $16.0) Branson $1,146 3% Kansas City $2,495 8% (1 Relationship - $2.5) Northwest Arkansas $5,576 17% (2 Relationships - $3.9) Springfield $4,239 13% (1 Relationship - $1.4) Other Out of State $1,811 5%

Other Missouri Regions $6,503 18% Other Out of State $1,878 5%

• St. Louis

$10,260 30% Branson $5,355 15% Central Missouri $4,412 12% Northwest Arkansas $4,376 12% Springfield $2,691 8%