Loan Production Efforts Are Targeting Home Equity Lending over Other Loan Types

	Estimated changes in loan production in 2004:
	Increasing	Same	Decreasing
Multifamily	20%	60%	20%
Single Family	25%	19%	56%
Construction	38%	45%	17%
Commercial RE	45%	42%	13%
Home Equity	64%	27%	9%
Source: ACB 2004 Real Estate Lending Survey