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WESBANCO BANK, INC. 1 BANK PLAZA
WHEELING, 26003-3565

2008 Mortgage Research	Gallia	Ohio	US
Total Applications	44	1,763	3,875
Average Loan	$88.9k	$105.6k	$93.5k
Loan to Income Ratio	1.33	1.27	1.24
Subprime Loans	2.27%	7.09%	7.28%
Refinancing Loans	52.27%	37.32%	29.42%
Principal Dwellings	77.27%	86.67%	87.43%
Rejected Applications	—	—	—

WESBANCO BANK, INC. 1 BANK PLAZAWHEELING, 26003-3565