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FIRST NATIONAL BANK PO BOX 29
WINNSBORO, 75494

2008 Mortgage Research	Delta	Texas	US
Total Applications	1	52	52
Average Loan	$278.0k	$67.0k	$67.0k
Loan to Income Ratio	1.40	0.57	0.57
Subprime Loans	100%	71.15%	71.15%
Refinancing Loans	100%	9.62%	9.62%
Principal Dwellings	100%	71.15%	71.15%
Rejected Applications	—	15.38%	15.38%

FIRST NATIONAL BANK PO BOX 29WINNSBORO, 75494