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FIRST NATIONAL BANK P O BOX 730
TORRINGTON, 82240

2006 Mortgage Research	Goshen	Wyoming	US
Total Applications	19	40	120
Average Loan	$55.9k	$63.6k	$50.9k
Loan to Income Ratio	1.39	0.89	0.86
Subprime Loans	73.68%	60%	73.33%
Refinancing Loans	63.16%	62.50%	60%
Principal Dwellings	63.16%	67.50%	71.67%
Rejected Applications	15.79%	12.50%	8.33%

FIRST NATIONAL BANK P O BOX 730TORRINGTON, 82240