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FIRST NATIONAL BANK P O BOX 39
COOPER, 75432

2008 Mortgage Research	Delta	Texas	US
Total Applications	21	21	21
Average Loan	$74.7k	$74.7k	$74.7k
Loan to Income Ratio	1.14	1.14	1.14
Subprime Loans	—	—	—
Refinancing Loans	9.52%	9.52%	9.52%
Principal Dwellings	100%	100%	100%
Rejected Applications	14.29%	14.29%	14.29%

FIRST NATIONAL BANK P O BOX 39COOPER, 75432