BUSINESS CASE .... DUE IN 5 HOURS

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Credit Data

Subprime Data - This data is on two different tabs.
credit scores days del.
400 91
425 90
520 70
540 88
510 85
555 65
535 75
565 55
575 50
640 36
621 43
650 40
647 29
630 35
624 37
648 44
620 45
679 40
682 38
665 36
680 35
695 25
705 22
712 15
730 18
720 13
795 1
760 8
745 15
800 1

Housing Data

Housing Data
Time Year Qtr 6 mo LIBOR* NONPref** CPI*** Inflation Home Price Change****
1 1989 4 8.355 1.59 100.00 4.779 1.91
2 1990 1 8.521 1.72 101.82 7.219 2.45
3 1990 2 8.646 1.70 102.85 4.023 1.32
4 1990 3 8.219 1.79 104.91 7.927 0.41
5 1990 4 8.000 1.81 106.25 5.099 0.23
6 1991 1 6.849 1.86 106.73 1.784 0.33
7 1991 2 6.355 1.83 107.68 3.545 0.32
8 1991 3 5.959 1.84 108.47 2.930 2.88
9 1991 4 4.852 1.68 109.42 3.488 2.01
10 1992 1 4.391 1.65 110.13 2.596 3.69
11 1992 2 4.214 1.52 110.93 2.865 3.55
12 1992 3 3.525 1.44 111.72 2.845 2.17
13 1992 4 3.724 1.31 112.67 3.387 3.24
14 1993 1 3.254 1.23 113.46 2.801 2.67
15 1993 2 3.438 1.07 114.25 2.782 3.02
16 1993 3 3.459 0.99 114.81 1.936 4.51
17 1993 4 3.505 0.85 115.84 3.570 4.53
18 1994 1 3.880 0.82 116.47 2.181 6.65
19 1994 2 4.958 0.78 117.10 2.169 5.02
20 1994 3 5.448 0.73 118.21 3.769 3.35
21 1994 4 6.479 0.66 118.84 2.138 2.39
22 1995 1 6.521 0.66 119.71 2.921 2.02
23 1995 2 6.047 0.70 120.67 3.162 3.54
24 1995 3 5.923 0.71 121.22 1.833 4.61
25 1995 4 5.751 0.79 121.85 2.085 4.40
26 1996 1 5.390 0.83 123.12 4.137 2.53
27 1996 2 5.636 0.81 124.07 3.075 2.25
28 1996 3 5.805 0.78 124.86 2.545 2.98
29 1996 4 5.581 1.05 125.97 3.535 4.53
30 1997 1 5.883 1.06 126.52 1.756 3.73
31 1997 2 6.008 1.01 126.84 1.000 4.27
32 1997 3 5.847 1.00 127.63 2.489 4.18
33 1997 4 5.951 0.97 128.11 1.486 3.82
34 1998 1 5.837 0.98 128.27 0.494 4.46
35 1998 2 5.787 0.93 128.90 1.970 5.56
36 1998 3 5.628 0.91 129.45 1.716 6.02
37 1998 4 5.194 0.90 130.17 2.196 7.63
38 1999 1 5.096 0.99 130.48 0.972 8.53
39 1999 2 5.300 0.93 131.43 2.902 9.36
40 1999 3 5.856 0.89 132.86 4.314 11.19
41 1999 4 6.114 0.87 133.65 2.377 11.31
42 2000 1 6.365 0.85 135.39 5.180 10.65
43 2000 2 6.897 0.86 136.34 2.797 11.93
44 2000 3 6.760 0.91 137.45 3.239 11.24
45 2000 4 6.536 0.96 138.24 2.298 11.52
46 2001 1 5.009 1.03 139.43 3.422 13.53
47 2001 2 4.016 1.13 140.70 3.618 12.51
48 2001 3 3.235 1.17 141.01 0.899 12.78
49 2001 4 2.086 1.13 140.46 -1.575 12.01
50 2002 1 2.130 1.21 141.33 2.473 9.57
51 2002 2 2.046 1.22 142.20 2.457 9.19
52 2002 3 1.810 1.22 143.15 2.664 8.40
53 2002 4 1.491 1.20 143.94 2.206 9.04
54 2003 1 1.317 1.22 145.61 4.594 9.21
55 2003 2 1.212 1.21 144.97 -1.744 8.33
56 2003 3 1.180 1.15 146.56 4.346 8.71
57 2003 4 1.223 1.10 146.87 0.863 7.57
58 2004 1 1.180 1.03 148.14 3.435 8.16
59 2004 2 1.630 0.89 149.56 3.830 9.08
60 2004 3 2.049 0.86 150.28 1.901 7.80
61 2004 4 2.567 0.80 151.78 3.984 7.14
62 2005 1 3.165 0.76 152.73 2.496 6.63
63 2005 2 3.546 0.80 153.29 1.449 5.65
64 2005 3 4.074 0.80 157.40 10.602 5.53
65 2005 4 4.572 0.85 156.93 -1.209 5.95
66 2006 1 4.974 0.80 156.93 0.000 4.61
67 2006 2 5.416 0.78 158.04 2.815 3.49
68 2006 3 5.456 0.77 159.86 4.583 1.59
69 2006 4 5.370 0.78 160.65 1.976 -0.89
70 2007 1 5.365 0.88 160.97 0.788 -1.87
71 2007 2 5.377 0.94 162.39 3.522 -3.95
NONPref is the percentage of nonpreforming loans, 90-days or more deliquent.
* FannieMae.Com index averaged over each quarter.
** FRB 8th District data set
*** Department of Labor, BLS, CPI
**** Standard and Poor's MPLS housing index, percent change over a year prior.