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FIRST NATIONAL BANK P. O. BOX 810 100 W. CANO
EDINBURG, 78540-0810

2008 Mortgage Research	Kinney	Texas	US
Total Applications	1	1,026	1,027
Average Loan	$175.0k	$121.9k	$121.9k
Loan to Income Ratio	1.36	1.23	1.17
Subprime Loans	—	32.85%	32.91%
Refinancing Loans	100%	14.81%	14.80%
Principal Dwellings	100%	80.41%	80.33%
Rejected Applications	—	27.97%	27.95%

FIRST NATIONAL BANK P. O. BOX 810 100 W. CANOEDINBURG, 78540-0810