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SIMMONS FIRST BANK-JONESBORO P.O. BOX 7509
JONESBORO, 72403-7509

2008 Mortgage Research	Craighead	Arkansas	US
Total Applications	486	628	633
Average Loan	$132.4k	$123.1k	$123.5k
Loan to Income Ratio	1.31	1.28	1.28
Subprime Loans	18.93%	19.59%	19.75%
Refinancing Loans	44.24%	44.75%	44.39%
Principal Dwellings	74.49%	71.66%	71.56%
Rejected Applications	6.58%	7.80%	7.74%

SIMMONS FIRST BANK-JONESBORO P.O. BOX 7509JONESBORO, 72403-7509