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BRITTON & KOONTZ BANK, N.A. 500 MAIN STREET
NATCHEZ, 39120

2008 Mortgage Research	Adams	Mississippi	US
Total Applications	135	239	296
Average Loan	$93.8k	$109.2k	$133.3k
Loan to Income Ratio	1.42	1.58	1.30
Subprime Loans	14.81%	13.39%	12.50%
Refinancing Loans	41.48%	41.00%	41.55%
Principal Dwellings	76.30%	81.17%	77.03%
Rejected Applications	19.26%	17.57%	14.86%

BRITTON & KOONTZ BANK, N.A. 500 MAIN STREETNATCHEZ, 39120