pab bankshares, inc. - SNL Financial

Below is a table showing the collateral distribution of our construction and development and commercial real estate loan
portfolios as of December 31, 2009, 2008 and 2007.
2009 2008 2007
$ Amount % to Total $ Amount % to Total $ Amount % to Total
(Dollars in Thousands)
Construction and development:
Acquisition and development:
1-4 family residential $ 83,868 41.0% $ 129,412 41.0% $ 130,097 36.9%
Commercial and multi-family 58,477 28.6% 95,934 30.4% 105,718 30.0%
Construction:
1-4 family residential spec 10,364 5.1% 19,182 6.1% 40,392 11.4%
1-4 family residential pre-sold 304 0.1% 112 0.1% 1,604 0.4%
1-4 family residential other 14,501 7.1% 23,423 7.4% 26,694 7.6%
Commercial owner-occupied 704 0.3% 3,340 1.0% 5,685 1.6%
Commercial not owner-occupied 27,994 13.7% 27,038 8.5% 17,497 5.0%
Hotel/motel 2,427 1.2% 7,949 2.5% 12,909 3.7%
Industrial - 0.0% - 0.0% - 0.0%
Multi-family properties 4,512 2.2% 6,538 2.1% 7,789 2.2%
Special purpose property 1,512 0.7% 2,858 0.9% 2,337 0.6%
Other - 0.0% - 0.0% 2,010 0.6%
Total construction and development loans $ 204,663 100.0% $ 315,786 100.0% $ 352,732 100.0%
% of total loans 25.41% 33.0% 38.3%
2009 2008 2007
$ Amount % to Total $ Amount % to Total $ Amount % to Total
Commercial real estate:
Owner-occupied:
Office $ 40,718 14.8% $ 41,617 15.0% $ 34,291 13.8%
Retail 18,576 6.7% 21,062 7.6% 22,114 8.9%
Other 39,783 14.4% 40,413 14.6% 34,263 13.8%
Not owner-occupied:
Office 27,342 9.9% 25,425 9.2% 29,210 11.8%
Retail 36,525 13.2% 36,085 13.1% 36,780 14.8%
Other 24,035 8.7% 24,656 8.9% 27,418 11.0%
Other:
Hotel/motel 25,756 9.3% 15,812 5.7% 11,399 4.6%
Industrial 4,300 1.6% 4,677 1.7% 2,626 1.1%
Multi-family properties 19,462 7.1% 22,685 8.2% 14,894 6.0%
Special purpose property 38,748 14.0% 39,240 14.2% 34,876 14.0%
Other 683 0.3% 4,973 1.8% 401 0.2%
Total commercial real estate loans $ 275,927 100.0% $ 276,645 100.0% $ 248,272 100.0%
% of total loans 34.3% 28.9% 26.9%
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