Figure Title: Figure 1: ADC Loans as a Percentage of Average Loans
Description of Figure 1: The graph is a grouped bar chart with 6 bar groups. The X- Axis shows a range in years from December 2003 to December 2008. Y-axis shows a range of 0% to 50%.

December 2003: 1st Centennial - 37%, Peer - 9.16%

December 2004: 1st Centennial - 41.40%, Peer - 9.98%

December 2005: 1st Centennial - 37.60%, Peer - 12.72%

December 2006: 1st Centennial - 38.61%, Peer - 14.96%

December 2007: 1st Centennial - 42.93%, Peer - 16.31%

December 2003: 1st Centennial - 42.09%, Peer - 15.26%

Source: UPBRs for 1st Centennials.