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CENTRAL TRUST BANK 111 EAST MILLER STREET
JEFFERSON CITY, 65101

2008 Mortgage Research	Cole	Missouri	US
Total Applications	555	1,298	1,313
Average Loan	$129.0k	$125.2k	$126.3k
Loan to Income Ratio	1.55	1.52	1.51
Subprime Loans	4.32%	4.70%	4.72%
Refinancing Loans	51.35%	51.23%	51.18%
Principal Dwellings	88.29%	83.59%	83.24%
Rejected Applications	4.86%	6.63%	6.55%

CENTRAL TRUST BANK 111 EAST MILLER STREETJEFFERSON CITY, 65101