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

2008 Mortgage Research	Lincoln	Minnesota	US
Total Applications	7	30	973
Average Loan	$101.3k	$213.8k	$105.9k
Loan to Income Ratio	1.25	1.52	1.03
Subprime Loans	28.57%	6.67%	9.87%
Refinancing Loans	42.86%	36.67%	39.57%
Principal Dwellings	85.71%	80%	86.02%
Rejected Applications	—	—	—

FIRST BANK & TRUST PO BOX GGARRETSON, 57030-0385