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CENTRAL TRUST BANK 111 EAST MILLER STREET
JEFFERSON CITY, 65101

2008 Mortgage Research	Callaway	Missouri	US
Total Applications	355	1,298	1,313
Average Loan	$112.1k	$125.2k	$126.3k
Loan to Income Ratio	1.44	1.52	1.51
Subprime Loans	5.63%	4.70%	4.72%
Refinancing Loans	52.96%	51.23%	51.18%
Principal Dwellings	81.41%	83.59%	83.24%
Rejected Applications	5.92%	6.63%	6.55%

CENTRAL TRUST BANK 111 EAST MILLER STREETJEFFERSON CITY, 65101