Figure Title: Figure 1: ADC Loan Concentrations (Loans as a Percentage of Total Capital)
Description of Figure 1: The graph is a 2 line graph, line 1 - Security Savings, line 2 - Peer group average. On the Y-axis is ADC Loans to Total Capital, ranging from 0 - 600. The X-axis is period ended December - 2004, December - 2005, December - 2006 2007, December - 2006 2008.

The plot points are below.

ADC Loan Concentrations (Loans as a Percentage of Total Capital)

December 31, 2004: Security Savings - 17%, Peer Group Average - 58%
December 31, 2005: Security Savings - 136%, Peer Group Average - 91%
December 31, 2006: Security Savings - 306%, Peer Group Average - 107%
December 31, 2007: Security Savings - 187%, Peer Group Average - 108%
December 31, 2008: Security Savings - 495%, Peer Group Average - 91%

Source: OIG analysis of the UBPRs for Security Savings.
* The re-growth of the concentration level in 2008 is the result of increasing losses and declining capital levels, rather than asset growth.