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FIRST BANK & TRUST PO BOX G
GARRETSON, 57030-0385

2008 Mortgage Research	Big Stone	Minnesota	US
Total Applications	10	30	973
Average Loan	$155.9k	$213.8k	$105.9k
Loan to Income Ratio	2.15	1.52	1.03
Subprime Loans	—	6.67%	9.87%
Refinancing Loans	30%	36.67%	39.57%
Principal Dwellings	90%	80%	86.02%
Rejected Applications	—	—	—

FIRST BANK & TRUST PO BOX GGARRETSON, 57030-0385