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SOUTHERN BANCORP BANK OF AR P O BOX 248
ARKADELPHIA, 71923

2008 Mortgage Research	Clark	Arkansas	US
Total Applications	136	300	301
Average Loan	$70.8k	$88.8k	$88.8k
Loan to Income Ratio	0.53	0.67	0.67
Subprime Loans	35.29%	30.33%	30.23%
Refinancing Loans	62.50%	56.67%	56.81%
Principal Dwellings	60.29%	58%	57.81%
Rejected Applications	—	—	—

SOUTHERN BANCORP BANK OF AR P O BOX 248ARKADELPHIA, 71923