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FIRST NATIONAL BANK OF MIDLAND 310 WEST WALL STREET, SUITE 100
MIDLAND, 79701

2008 Mortgage Research	Crane	Texas	US
Total Applications	5	1,035	1,039
Average Loan	$95.8k	$136.0k	$136.0k
Loan to Income Ratio	1.83	1.20	1.19
Subprime Loans	—	4.54%	4.52%
Refinancing Loans	40%	14.59%	14.53%
Principal Dwellings	100%	75.27%	74.98%
Rejected Applications	—	0.29%	0.29%

FIRST NATIONAL BANK OF MIDLAND 310 WEST WALL STREET, SUITE 100MIDLAND, 79701