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STOCKMAN BANK OF MONTANA P.O. BOX 250
MILES CITY, 59301-0250

2008 Mortgage Research	Glacier	Montana	US
Total Applications	48	1,908	1,924
Average Loan	$130.5k	$163.5k	$163.8k
Loan to Income Ratio	0.90	1.69	1.68
Subprime Loans	—	7.13%	7.07%
Refinancing Loans	33.33%	35.01%	35.08%
Principal Dwellings	81.25%	85.64%	85.65%
Rejected Applications	—	—	—

STOCKMAN BANK OF MONTANA P.O. BOX 250MILES CITY, 59301-0250