Figure Title: Figure 2: ADC Concentrations as a Percentage of Total Loans
Description of Figure 2: The graph is a line graph consisting of 1 line. On the Y-axis is Percentages, ranging from 46.00% 48.00%, 50.00%, 52.00%, 54.00%, 56.00%, 58.00%, 60%. The X-axis is Year Ending December 31, ranging from 9/06, 12/06, 3/07, 6/07, 9/07, 12/07, 3/08.

The plot points are below.

Construction and Development Loan Percentage, Dates Quarterly From September 2006 through March 2008

9/06 - 50.09%
12/06 - 51.55%
3/07 - 57.59%
6/07 - 57.69%
9/07 - 58%
12/07 - 57.82%
3/08 - 55.69%


Source: OIG Analysis of UBPRs for Heritage.