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FARMERS STATE BANK P O BOX 190
VICTOR, 59875

2008 Mortgage Research	Ravalli	Montana	US
Total Applications	243	300	305
Average Loan	$171.5k	$167.0k	$169.9k
Loan to Income Ratio	2.16	1.99	2.00
Subprime Loans	11.93%	14%	14.10%
Refinancing Loans	51.03%	48.33%	48.52%
Principal Dwellings	88.07%	87%	86.89%
Rejected Applications	—	—	—

FARMERS STATE BANK P O BOX 190VICTOR, 59875