DL Composition Report

	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)	539,489	648,163	781,487	852,392
Gross Loans HFI Growth	13.30	20.14	20.57	9.07
1-4 Family Loans / Loans	4.91	5.51	6.20	6.05
Multifamily Loans / Loans	4.10	5.34	5.35	4.99
Commercial Real Estate Loans / Loans	46.18	42.31	43.01	45.76
Commercial & Multifamily Real Estate Loans / Loans	50.28	47.66	48.37	50.75
Real Estate Loans / Loans	55.19	53.17	54.56	56.80
Construction & Development Loans / Loans	9.38	12.07	11.59	9.95
Home Equity Loans / Loans	1.53	1.37	1.25	0.87
Credit Card Loans / Loans	0.10	0.12	0.11	0.10
Vehicle Loans / Loans	NA	NA	NA	NA
Other Consumer Loans / Loans	2.41	2.46	1.39	1.59
Consumer Loans / Loans	4.04	3.95	2.75	2.56
Commercial Loans / Loans	19.00	19.32	18.92	17.83
Foreign Loans / Loans	0	0	0	0
Other Loans / Loans	12.43	11.52	12.20	12.92
Unearned Income and Other Adjustments / Loans	(0.04)	(0.03)	(0.02)	(0.05)

Deposit Composition (%)
Total Deposits ($000)	567,464	640,266	776,060	838,874
Deposit Growth	19.55	12.83	21.21	8.09
Transaction Acct Deps / Tot Deps	16.52	16.26	14.45	12.75
Savings Acct Deps / Tot Deposits	NA	NA	NA	NA
Money Mkt Deps / Tot Deposits	NA	NA	NA	NA
MMDA & Savings / Total Deposits	24.40	26.86	20.95	17.69
Retail Time Deps / Tot Deposits	50.11	51.26	55.25	58.54
Jumbo Time Deposits / Deposits	8.97	5.62	9.34	11.02
Tot Time Deposits / Tot Deposits	59.09	56.88	64.60	69.57
Foreign Deposits / Total Deposits	0	0	0	0
Other Deposits / Total Deposits	0	0	0	0
Non-CDs / Total Deposits	40.91	43.12	35.40	30.43
Core Deposits / Total Deposits	91.03	94.38	90.66	88.98


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