Blackhawk Bank: Blackhawk Bancorp, Inc. Deposit/Loan Composition

	2005 Y	2006 Y	2007 Y	2008 Y
Period Ended	12/31/2005	12/31/2006	12/31/2007	12/31/2008
Loan Composition (%)
Total Gross Loans ($000)	257,651	270,907	294,940	329,328
Gross Loans HFI Growth	8.84	4.94	9.30	10.84
1-4 Family Loans / Loans	30.30	28.80	27.73	25.53
Multifamily Loans / Loans	2.10	1.70	1.38	1.50
Commercial Real Estate Loans / Loans	25.59	21.67	19.32	22.02
Commercial & Multifamily Real Estate Loans / Loans	27.69	23.38	20.70	23.52
Real Estate Loans / Loans	57.99	52.18	48.43	49.05
Construction & Development Loans / Loans	9.35	10.12	7.84	7.43
Home Equity Loans / Loans	11.43	10.77	10.89	10.31
Credit Card Loans / Loans	0	0	0	0
Vehicle Loans / Loans	NA	NA	NA	NA
Other Consumer Loans / Loans	5.37	4.49	4.67	3.88
Consumer Loans / Loans	16.80	15.26	15.56	14.19
Commercial Loans / Loans	15.62	21.68	27.37	28.60
Foreign Loans / Loans	NA	0	0	0
Other Loans / Loans	0.24	0.72	0.74	0.65
Unearned Income and Other Adjustments / Loans	0	0.04	0.06	0.08

Deposit Composition (%)
Total Deposits ($000)	305,643	312,001	331,239	376,995
Deposit Growth	1.67	2.08	6.17	13.81
Transaction Acct Deps / Tot Deps	28.94	NA	NA	NA
Savings Acct Deps / Tot Deposits	NA	NA	NA	NA
Money Mkt Deps / Tot Deposits	NA	NA	NA	NA
MMDA & Savings / Total Deposits	33.04	NA	NA	NA
Retail Time Deps / Tot Deposits	21.71	NA	NA	NA
Jumbo Time Deposits / Deposits	16.31	NA	NA	NA
Tot Time Deposits / Tot Deposits	38.02	NA	NA	NA
Foreign Deposits / Total Deposits	0	0	0	0
Other Deposits / Total Deposits	0	0	0	0
Non-CDs / Total Deposits	61.98	NA	NA	NA
Core Deposits / Total Deposits	83.69	NA	NA	NA


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