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FIRST NATIONAL BANK PO BOX 570
GOODLAND, 67735-0570

2008 Mortgage Research	Cheyenne	Kansas	US
Total Applications	15	150	168
Average Loan	$36.0k	$60.1k	$69.6k
Loan to Income Ratio	0.63	1.02	1.00
Subprime Loans	13.33%	8.67%	7.74%
Refinancing Loans	40%	33.33%	35.71%
Principal Dwellings	66.67%	80.67%	77.98%
Rejected Applications	13.33%	15.33%	14.88%

FIRST NATIONAL BANK PO BOX 570GOODLAND, 67735-0570