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PEOPLES NATIONAL BANK, N.A. 520 SOUTH 42ND STREET
MT VERNON, 62864

2008 Mortgage Research	Franklin	Illinois	US
Total Applications	74	926	996
Average Loan	$79.8k	$96.2k	$109.9k
Loan to Income Ratio	1.15	1.22	1.20
Subprime Loans	1.35%	7.67%	7.13%
Refinancing Loans	35.14%	32.61%	34.64%
Principal Dwellings	83.78%	88.12%	87.45%
Rejected Applications	44.59%	21.27%	20.08%

PEOPLES NATIONAL BANK, N.A. 520 SOUTH 42ND STREETMT VERNON, 62864