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SIMMONS FIRST NATIONAL BANK 501 MAIN STREET
PINE BLUFF, 71601-7009

2008 Mortgage Research	Cleveland	Arkansas	US
Total Applications	14	1,567	1,628
Average Loan	$91.0k	$103.5k	$103.1k
Loan to Income Ratio	1.31	1.35	1.35
Subprime Loans	7.14%	9.06%	9.64%
Refinancing Loans	50%	34.78%	35.01%
Principal Dwellings	100%	88.83%	89.00%
Rejected Applications	7.14%	9.00%	8.85%

SIMMONS FIRST NATIONAL BANK 501 MAIN STREETPINE BLUFF, 71601-7009