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) Multifamily Real Estate $127,122 Commercial Business Consumer Loans* 7% $130,537 $191,398 Single Family 7% 11% Residential Industrial $226,796 Multifamily Real Estate Revenue Bonds 13% $87,177 $59,412 Consumer Loans* Commercial Business 5% $164,774 3% $202,913 9% Single Family 11% Residential Industrial Revenue $191,970 Bonds 10% $55,147 Const & Land 3% Development Commercial Real $543,869 Estate Commercial Real 32% $473,846 Estate Const & Land 27% $460,303 Development 25% $685,990 37% *Includes Home Equity Loans of $41,586 *Includes Home Equity Loans of $48,387

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 Out of State Springfield $272,350 $553,646 15% 31% Other Missouri Regions $135,316 8% Other Out of State Springfield $216,522 Other Missouri Regions $570,569 12% $158,266 30% Central Missouri 9% $63,365 4% Central Missouri Other Kansas $67,542 4% $38,363 2% Other Kansas $49,722 Kansas City 3% $96,449 6% Kansas City St. Louis Northwest Arkansas Branson $113,228 $226,648 $153,828 $213,015 6% St. Louis 13% 9% 12% Northwest Arkansas $254,989 Branson $202,857 13% $214,579 11% 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) Storage Facilities $16,676 Other $28,062 Retail 4% Industrial 6% $88,590 $15,295 19% 3% Recreational Facilities Healthcare $28,328 $105,295 6% Storage Facilities 22% Other Office Buildings $14,486 Retail $35,330 $41,194 3% $76,885 8% 9% 17% Industrial $26,558 6% Restaurants Recreational Facilities $30,779 $30,528 6% 7% Motel / Hotel Office Buildings $119,627 $40,604 25% 9% Healthcare Restaurants $92,904 $27,207 20% 6% Motel / Hotel $115,801 24%

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

Springfield Construction & Land Development Springfield 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) Single Family Other Office Buildings Residential $6,648 $4,866 $19,146 5% 4% 14% Commercial Development $20,284 15% Office Buildings Single Family Other Apartments $5,690 Residential $9,027 $29,127 3% $37,769 5% Commercial 22% 23% Development $17,088 10% Historic Rehab Condos $1,074 1% Residential Condos Residential Land $5,060 Development 4% $48,219 35% Residential Land Development Apartments $54,584 $37,513 Residential Condos 34% 22% $5,519 3%

St. Louis Construction & Land Development St. Louis 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) Single Family Other Commercial Real Residential Estate Apartments $3,776 $17,280 3% $19,280 15% 17% Office Buildings $7,348 Single Family 6% Historic Rehab Condos Residential $11,237 Apartments $1,813 Other 10% $7,800 1% $28,265 5% 18% Residential Condos Historic Rehab Condos $2,990 $48,564 3% 32% Healthcare $12,959 Office Buildings 11% $5,088 Retail 3% Residential Land Commercial $2,200 Development Development 2% Healthcare $13,523 $23,721 $25,643 12% 21% 16% Residential Condos Retail $4,953 Commercial Residential Land $5,382 3% Development Development 3% $14,010 $15,152 9% 10%

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

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

Kansas City Construction & Land Development Kansas City 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 Apartments Historic Rehab Condos Single Family Residential $223 $2,712 Residential Other $577 1% $2,064 7% $2,045 2% 4% 4% Residential Land Development Retail Apartments $5,603 $17,046 $16,815 14% 30% 29% Commercial Development $4,059 11% Commercial Historic Rehab Condos Retail Development $3,341 Residential Land $5,909 6% $25,083 Development 11% 65% Residential Condos $5,716 $3,248 10% 6%

Central Missouri Construction & Land Development Central Missouri 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 Retail Residential $333 Commercial $3,041 1% Development 12% $9,020 35% Single Family Residential Commercial $3,771 Development 14% $10,144 36% Recreation/Resort Recreation/Resort Condos Condos $9,811 $9,373 Residential Land 35% 36% Development $4,202 Residential Land 16% Development $4,172 15%

Other Regions Construction & Land Development Other Regions 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) Single Family Residential Other $2,519 Apartments $5,307 $6,148 3% 7% Residential Condos 9% $4,892 7% Single Family Other Residential Apartments Residential Land $10,488 $7,487 $11,115 Development 11% 8% 12% $8,059 11% Residential Land Development Healthcare $10,412 Healthcare $31,071 Commercial 11% $30,415 34% Development 42% $7,828 Retail 11% $6,982 Commercial Development 10% Retail $10,334 $12,449 11% 13%

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) Consumer Loans* Single Family $965 Residential 3% $3,302 Multifamily Real Estate Commercial Real 10% $9,344 Estate 28% $2,480 7% Multifamily Real Estate $561 Commercial Business Consumer Loans* Single Family 2% $2,623 $429 Residential 7% 1% $4,681 Industrial Revenue 13% Bonds $3,334 9% Commercial Real Commercial Business Estate $1,221 Const & Land $9,145 Const & Land 4% Development 26% Development $15,890 $14,702 48% 42% *Includes Home Equity Loans of $333 *Includes Home Equity Loans of $193