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FIRST NATIONAL BANK OF GILMER P O BOX 520
GILMER, 75644

2008 Mortgage Research	Camp	Texas	US
Total Applications	17	129	129
Average Loan	$124.5k	$89.8k	$89.8k
Loan to Income Ratio	0.83	0.84	0.84
Subprime Loans	35.29%	37.21%	37.21%
Refinancing Loans	35.29%	33.33%	33.33%
Principal Dwellings	76.47%	75.19%	75.19%
Rejected Applications	—	8.53%	8.53%

FIRST NATIONAL BANK OF GILMER P O BOX 520GILMER, 75644