Great Southern Bank Great Southern Bank Loan Portfolio Loan Portfolio December 31, 2007
Portfolio by Type Portfolio by Type 12/31/07 Balance of $1,848,274 (000’ ’s) s) 12/31/07 Balance of $1,848,274 (000 Multifamily Real Estate $87,177 Consumer Loans* Commercial Business 5% $164,774 $202,913 9% Single Family 11% Residential Industrial Revenue $191,970 Bonds 10% $55,147 3% Commercial Real Const & Land Estate Development $460,303 $685,990 25% 37% *Includes Home Equity Loans of $41,586
Portfolio by Region* Portfolio by Region* 12/31/07 Balance of $1,848,274 (000’ ’s) s) 12/31/07 Balance of $1,848,274 (000 Other Out of State Other Missouri $216,522 Springfield Regions 12% $570,569 $158,266 30% 9% Central Missouri $67,542 4% Other Kansas $49,722 3% Kansas City $113,228 St. Louis 6% $254,989 Northwest Arkansas Branson 13% $202,857 $214,579 11% 12% * Based on primary collateral location
Commercial Real Estate Commercial Real Estate 12/31/07 Balance of $460,303 (000’ ’s) s) 12/31/07 Balance of $460,303 (000 Other Commercial Real Estate $35,330 Retail 8% Industrial $76,885 $41,044 17% 9% Recreational Facilities $30,528 7% Office Buildings Healthcare $92,904 $40,604 20% 9% Restaurants $27,207 Motel / Hotel 6% $115,801 24%
Construction & Land Development Construction & Land Development 12/31/07 Balance of $685,990 (000’ ’s) s) 12/31/07 Balance of $685,990 (000 Single Family Office Buildings Other Residential $18,598 $52,757 $83,277 Apartments 3% 8% 12% Healthcare $83,720 $56,714 12% 8% Historic Rehab Condos Retail $51,906 $38,536 6% 8% Recreation/Resort Condos Commercial $27,761 Development 4% $117,533 Residential Land Residential Condos 17% Development $19,443 $135,745 3% 19%
Springfield Construction & Land Development Springfield Construction & Land Development 12/31/07 Balance of $167,190 (000’ ’s) s) 12/31/07 Balance of $167,190 (000 Office Buildings Single Family Other $5,690 Residential $9,027 3% $37,769 5% 23% Commercial Development $17,088 10% Apartments Residential Land $37,513 Development 22% $54,584 Residential Condos 34% $5,519 3%
St. Louis Construction & Land Development St. Louis Construction & Land Development 12/31/07 Balance of $156,670 (000’ ’s) s) 12/31/07 Balance of $156,670 (000 Apartments $7,800 Other 5% $30,078 19% Office Buildings Historic Rehab Condos $5,088 $48,564 3% 32% Healthcare $25,643 16% Residential Condos $4,953 Retail 3% $5,382 Residential Land Commercial 3% Development Development $15,152 $14,010 10% 9%
Branson Construction & Land Development Branson Construction & Land Development 12/31/07 Balance of $85,821 (000’ ’s) s) 12/31/07 Balance of $85,821 (000 Single Family Other Commercial Residential $1,261 Development $18,545 1% $20,244 22% 24% Apartments $10,478 12% Residential Land Development $17,531 Recreation/Resort 20% Condos $17,762 21%
Northwest Arkansas Construction & Land Development Northwest Arkansas Construction & Land Development 12/31/07 Balance of $98,871 (000’ ’s) s) 12/31/07 Balance of $98,871 (000 Single Family Other Residential $3,305 Office Buildings $11,828 3% $7,820 12% 8% Retail Residential Condos $3,510 $4,427 4% 4% Residential Land Commercial Development Development $28,178 $39,803 28% 41%
Kansas City Construction & Land Development Kansas City Construction & Land Development 12/31/07 Balance of $56,184 (000’ ’s) s) 12/31/07 Balance of $56,184 (000 Single Family Other Residential $2,045 $2,064 4% 4% Apartments Retail $16,815 $17,046 29% 30% Historic Rehab Condos $3,341 6% Commercial Development Residential Condos Residential Land $5,909 $3,248 Development 11% 6% $5,716 10%
Central Missouri Construction & Land Development Central Missouri Construction & Land Development 12/31/07 Balance of $27,898 (000’ ’s) s) 12/31/07 Balance of $27,898 (000 Single Family Residential $3,771 14% Commercial Development $10,144 36% Recreation/Resort Condos $9,811 35% Residential Land Development $4,172 15%
Other Regions Construction & Land Development Other Regions Construction & Land Development 12/31/07 Balance of $93,356 (000’ ’s) s) 12/31/07 Balance of $93,356 (000 Single Family Other Residential Apartments $10,488 $7,487 $11,115 11% 8% 12% Residential Land Healthcare Development $31,071 $10,412 34% 11% Commercial Development Retail $10,334 $12,449 11% 13%
Nonperforming Loans by Type Nonperforming Loans by Type 12/31/07 Balance of $35,475 (000’ ’s) s) 12/31/07 Balance of $35,475 (000 Multifamily Real Estate $561 Commercial Business Consumer Loans* Single Family 2% $2,623 $429 Residential 7% 1% $4,681 13% Industrial Revenue Bonds $3,334 9% Commercial Real Estate $9,145 Const & Land 26% Development $14,702 42% *Includes Home Equity Loans of $193
Nonperforming Loans by Region Nonperforming Loans by Region 12/31/07 Balance of $35,475 (000’ ’s) s) 12/31/07 Balance of $35,475 (000 Other Out of State Springfield $1,878 $2,691 Other Missouri 5% 8% Regions (one relationship - $5,660) $6,503 St. Louis 18% (one relationship - $10,260) $10,260 30% Central Missouri (2 relationships - $4,350) $4,412 Branson 12% (2 relationships - $4,149) Northwest Arkansas $5,355 (2 relationships - $3,244) 15% $4,376 12%
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