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) 848,696 828,962 821,894 774,573 Gross Loans HFI Growth 1.61 (2.53) (0.80) (5.66) 1-4 Family Loans / Loans 56.03 57.45 53.18 52.14 Multifamily Loans / Loans 6.08 5.26 4.96 5.00 Commercial Real Estate Loans / Loans 12.45 12.79 15.44 16.74 Commercial & Multifamily Real Estate Loans / Loans 18.52 18.05 20.40 21.75 Real Estate Loans / Loans 74.55 75.50 73.58 73.89 Construction & Development Loans / Loans 7.63 5.17 5.58 4.03 Home Equity Loans / Loans 12.76 14.11 14.85 16.24 Credit Card Loans / Loans NA NA NA NA Vehicle Loans / Loans NA NA NA NA Other Consumer Loans / Loans 2.61 0.95 0.89 0.54 Consumer Loans / Loans 15.38 15.06 15.74 16.78 Commercial Loans / Loans 2.48 4.28 5.08 5.26 Foreign Loans / Loans 0 0 0 0 Other Loans / Loans 0 0 0 0 Unearned Income and Other Adjustments / Loans (0.03) 0 0.02 0.05   Deposit Composition (%)  Total Deposits ($000) 660,242 684,782 692,184 723,956 Deposit Growth (1.13) 3.72 1.08 4.59 Transaction Acct Deps / Tot Deps 22.65 18.46 18.33 17.23 Savings Acct Deps / Tot Deposits 9.29 7.01 5.34 4.67 Money Mkt Deps / Tot Deposits 8.94 13.05 16.14 15.57 MMDA & Savings / Total Deposits 18.23 20.06 21.48 20.25 Retail Time Deps / Tot Deposits 44.19 46.71 44.82 40.30 Jumbo Time Deposits / Deposits 14.93 14.76 15.36 22.22 Tot Time Deposits / Tot Deposits 59.12 61.48 60.19 62.52 Foreign Deposits / Total Deposits 0 0 0 0 Other Deposits / Total Deposits 0 0 0 0 Non-CDs / Total Deposits 40.88 38.52 39.81 37.48 Core Deposits / Total Deposits 85.07 85.24 84.64 77.78   Copyright 2009, © SNL Financial LC  Terms of Use