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CITIZENS & FARMERS BANK PO BOX 391
WEST POINT, 23181

2008 Mortgage Research	Charles City	Virginia	US
Total Applications	32	486	495
Average Loan	$85.9k	$160.2k	$160.8k
Loan to Income Ratio	1.32	1.47	1.47
Subprime Loans	18.75%	13.37%	14.95%
Refinancing Loans	43.75%	50.41%	49.70%
Principal Dwellings	87.50%	85.80%	85.86%
Rejected Applications	—	—	—

CITIZENS & FARMERS BANK PO BOX 391WEST POINT, 23181