April 2015

Report on SBLF Participants’

Small Business Lending Growth

Submitted to Congress pursuant to Section 4106(3) of

the Small Business Jobs Act of 2010
1

OVERVIEW

Small businesses are a vital part of the American economy and their success is a critical component of strong

economic growth.  Established by the Small Business Jobs Act of 2010 (the Act), the Small Business Lending Fund

(SBLF) is a dedicated fund designed to provide capital to qualified community banks1 and community development

loan funds (CDLFs) in order to encourage small business lending.  The purpose of the SBLF is to encourage Main

Street banks and small businesses to work together, help create jobs, and promote economic growth in communities

across the nation.   

This report provides information on changes in small business lending by SBLF participants as of December 31, 2014,

relative to baseline levels.2

   As of December 31, 2014, institutions participating in SBLF have made important

progress in increasing their small business lending, helping to support small businesses and local economies across

the nation.

• In total, current SBLF participants have increased their small business lending by $15.1 billion over a $31.5

billion baseline. This reflects a $840 million increase over the prior quarter.

• To date, the total increase in small business lending reported by current and former3 participants amounted

to $15.8 billion.   

• Increases in small business lending are widespread across SBLF participants, with 97 percent of current

participants having increased their small business lending over baseline levels.

• Most current participants report that their small business lending increases have been substantial, with 94

percent increasing small business lending by 10 percent or more.

This report also provides information on changes in business lending and other lending by SBLF banks relative to (i) a

representative peer group of 409 community banks that were selected to match the specific size, geography, and

financial condition of SBLF banks and (ii) a broader comparison group of the 5,727 similarly‐sized community banks

that are headquartered in the same states as SBLF banks.   

• SBLF banks have increased business loans outstanding by a median of 75.1 percent over baseline levels,

versus a 21.5 percent median increase for the representative peer group and a 17.9 percent median increase

for the broader comparison group.

• SBLF banks have increased business lending by substantially greater amounts across median measures of

size, geography, loan type, and financial condition versus the peer and comparison groups.

• SBLF banks that refinanced CPP funding have increased business lending by a median of 70.8 percent since

their initial receipt of CPP funding from Treasury versus a 26.4 percent increase for the peer group and an

23.8 percent increase for the comparison group over the same period.    

Please see Appendix A for additional information regarding the methodology employed in this report.

                                                            

1 In this report, the terms “banks” and “community banks” encompass banks, thrifts, and bank and thrift holding companies with consolidated

assets of less than $10 billion.    2 As established in the Act, the baseline for measuring the change in small business lending is the average of the amounts that were reported

for each of the four calendar quarters ended June 30, 2010. 3 Lending growth reported by former participants in the final quarter of participation is held constant through subsequent periods
2

BACKGROUND

This report is submitted to Congress pursuant to Section 4106(3) of the Act, which directs the Secretary of the

Treasury to provide a quarterly written report on how institutions participating in the SBLF program have used the

funds they received under the program.  

Treasury invested more than $4.0 billion in 332 institutions through the SBLF program.  These amounts include

investments of $3.9 billion in 281 community banks and $104 million in 51 CDLFs.  Collectively, these institutions

operate in more than 3,000 locations across 47 states and the District of Columbia.  This report includes information

on the 274 institutions that continued to participate in the program as of December 31, 2014 and submitted

quarterly supplemental reports for the fourth quarter, including 226 community banks and 48 CDLFs.  The initial

disbursement of SBLF funding to banks occurred on June 21, 2011, with subsequent transactions completed

thereafter until the program’s September 27, 2011 statutory funding deadline.   

As of March 1, 2015, 57 institutions with aggregate investments of $873.1 million have fully redeemed their SBLF

securities and exited the program, and 26 institutions have partially redeemed $271.0 million (or 54 percent of their

SBLF securities) an d continue to participate in the program.  

The SBLF program encourages lending to small businesses by providing capital to community banks and CDLFs with

less than $10 billion in assets.

   

• For community banks, the SBLF program is structured to encourage small business lending through a dividend

or interest rate incentive structure.  The initial rate payable on SBLF capital is, at most, 5 percent, and the rate

falls to 1 percent if a bank’s small business lending increases by 10 percent or more. 4

  Banks that increase their

lending by amounts less than 10 percent pay rates between 2 percent and 4 percent.  If a bank’s lending did

not increase in the first two years, however, the rate increased to 7 percent.  If a bank has not repaid the SBLF

funding after four and a half years, the rate increases to 9 percent.

• For CDLFs, the SBLF program is structured to encourage small business lending through access to low‐cost

capital at a 2 percent interest rate. These non‐profit loan funds play a critical role in distressed communities

across the country that may lack access to mainstream financial services. CDLFs engage in activities including

offering microloans to entrepreneurs, providing mezzanine debt to growing small businesses, and financing

community facilities like charter schools and health clinics.

As established in the Act and described above, the SBLF program operates through an indirect mechanism to achieve

policy outcomes.  The additional lending capacity provided by SBLF capital – coupled with the program’s dividend or

interest rate incentives in the case of community banks – encourages institutions to increase small business lending.  

Because of the program’s structure, increases in small business lending cannot be directly linked to the use of SBLF

funds.  However, the program’s impact can be observed indirectly.  Accordingly, this report provides information

regarding aggregate increases in small business lending as well as a comparison of outcomes between program

participants and a peer group matched on key characteristics.  For additional information regarding the methodology

employed in this report, please see Appendix A.   

                                                            

4 The initial interest rate paid by S corporations and mutual institutions is, at most, 7.7 percent. If these institutions increase their small business

lending by 10 percent or more, then the rate falls to as low as 1.5 percent. These interest rates equate to after‐tax effective rates (assuming a

35% tax rate) equivalent to the dividend rate paid by C corporation participants.
3

INCREASES IN SMALL BUSINESS LENDING OVER BASELINE LEVELS

As of December 31, 2014, SBLF participants have increased their small business lending by $15.1 billion over their

aggregate baseline of $31.5 billion.  Bank participants have increased their small business lending by $14.6 billion (or

48 percent) over a $30.8 billion baseline, and CDLFs increased their small business lending by $503.8 million (or 67

percent) over a $747.9 million baseline.  The following graph shows the aggregate increase in qualified small business

lending reported by SBLF participants as of December 31, 2014.  Increases in small business lending reflect that of

current participants only and exclude institutions that have exited the program prior to the end of the quarter.    

Increase in Small Business Lending over Baseline by SBLF Participants5

(Reported as of December 31, 2014)

Increases in small business lending are widespread among SBLF participants.  To date, 222 of the 226 community

banks continuing to participate (or 98 percent) and 45 of the 48 CDLFs continuing to participate (or 94 percent) have

increased their small business lending.  In addition, 262 of the 274 remaining SBLF participants (or 94 percent) have

increased their small business lending by 10 percent or more.   

These figures reflect changes in small business lending over baseline levels as specified by the Act (defined as the loan

balances that were reported for each of the four calendar quarters ended June 30, 2010).  The first four of Treasury’s

investments in SBLF participants were made in the quarter ended June 30, 2011, with all subsequent investments

made in the quarter ended September 30, 2011.   

In the period between the baseline and the investment date, some participants increased lending, while others

decreased.  The Act, and the associated program terms, specified that an institution’s initial dividend or interest rate

                                                            

5 The increase in lending for each quarter is representative of only those institutions participating in the quarter listed.  Figures

reflect the total aggregate net dollar amount of reported increases and decreases in small business lending.  The increase over

time of the baseline through Q3 2011 amount is driven by redemptions from institutions which reported decreases in small

business lending outnumbering those which reported increases.   

$3.5 $3.5 $3.5 $3.5 $3.5 $3.6 $3.6 $3.5 $3.8 $3.8 $3.8 $3.7 $3.6 $3.5

$1.3 $1.7

$3.1 $3.9

$5.2 $5.4 $6.8 $7.4 $8.7 $8.6 $9.8 $10.6 $11.6

$0

$2

$4

$6

$8

$10

$12

$14

$16

Q3

2011

Q4

2011

Q1

2012

Q2

2012

Q3

2012

Q4

2012

Q1

2013

Q2

2013

Q3

2013

Q4

2013

Q1

2014

Q2

2014

Q3

2014

Q4

2014

Increase in Small Business Lending over

Baseline Level ($ in Billions)

Increase from Baseline through Q3 2011 Increase from Q3 2011 to Current Quarter

$9.0

$11.2

$3.5

$4.8

$6.6

$7.4

$8.8

$10.3

$5.2

Treasury’s investments in SBLF participants were

made in Q2 and 3Q 2011.  Please see Appendix B

for additional information on changes in small

business lending following the initial SBLF

investments.

$12.5$12.4

$13.5

$14.3

$15.1
4

shall be based on call report data published in the quarter immediately preceding the date of the SBLF investment.  

Among other effects, this provision may have encouraged institutions to increase small business lending prior to

entering the SBLF program, as they would receive the associated dividend or interest rate benefit immediately upon

entry.  At the same time, some institutions took actions (e.g., sales of loans or branches or reductions in loans

outstanding) that reduced the amount of reported small business lending, such that their initial change in small

business lending over their baseline was negative.

In total, 262 (79 percent) of SBLF participants increased lending by $4.5 billion and 70 (21 percent) participants

decreased lending by $991 million from the baseline period until the time of Treasury’s initial investments in the

quarter ended September 30, 2011.  Of the seven participants (2.6 percent) that presently report negative changes in

small business lending, three had reduced their small business lending in the period between the baseline and the

investment date, though have since increased their lending above that initial investment date level.  Please see

Appendix B for additional information on changes in small business lending following the initial SBLF investments.

The following chart displays the aggregate positive and negative qualified small business lending growth6 reported by

current SBLF participants. The sum of these balances reflects the total increase in qualified small business lending

reported.    

Aggregate Increases and Decreases in Small Business Lending over Baseline by SBLF Participants

(Reported as of December 31, 2014)

Changes in the net qualified small business loan growth reported are driven largely by positive and negative changes

in qualified small business lending balances by SBLF participants. To date, the vast majority, or 97 percent, of SBLF

                                                            

6 Increases and decreases of lending balances are affected by both new originations and loan runoff at participant institutions.   
5

participants have increased qualified small business lending, for a total of $15.3 billion in positive qualified small

business loan growth over baseline. The remaining three percent of SBLF participants evidenced a decrease in

qualified small business lending balances over baseline of $150 million, such that the net of these positive and

negative qualified small business growth balances is equal to $15.1 billion across all SBLF participants (see also chart

on page four).

Redemptions also impact the total qualified small business lending reported in a given quarter. As institutions

redeem from the SBLF program, their respective increases or decreases in lending over baseline are removed for

future reporting purposes. For example, should an SBLF institution with $100 million in qualified small business

lending growth over baseline redeem from the program, the growth associated with that institution would be

omitted from total qualified small business loan growth calculations going forward, such that remaining participants

would need to generate a net increase in qualified small business lending of at least $100 million for the total

qualified small business loan growth level to remain the same as reported in the previous quarter. The redemption of

institutions with negative changes in qualified small business lending over baseline can have the inverse effect where,

due to netting effects, the impact of the redemption is an increase in the total qualified small business lending

reported.

The chart below shows the cumulative net impact of all current and former participants in the program by

incorporating changes in qualified small business lending over baseline for former SBLF participants at the amount

reported in the final quarter of program participation and holding those balance changes constant in future quarters.  

For example, if an SBLF participant reported a total increase in small business lending of $10 million over baseline in

the final quarter prior to a full redemption, that amount is held constant and included in the net small business

lending growth calculation in each quarter thereafter, instead of being removed as under the current method, as

outlined in the chart on page three.   This approach captures the cumulative lending by all participants, both current

and redeemed, and more comprehensively displays total historical program impact.

Current and Historical Change in Small Business Lending over Baseline by SBLF Participants

(Reported as of December 31, 2014)
6

As prescribed under the Act, SBLF rates became fixed beginning in Q3 2013, such that participants which evidenced

minimal or negative changes in qualified small business lending over the baseline were unable to take advantage of

SBLF lending incentives.   

The redemption of several participants with declines in small business lending balances in Q4’13 (just following the

dividend rate set period) resulted in a negative cumulative net effect of small business lending for redeemed

participants totaling approximately ‐$150 million through that quarter, and therefore led to a respective increase of

the same amount in total measured qualified small business lending during Q4’13 under the standard methodology,

as outlined in the chart on page 3.   

Subsequently, in the first quarter of 2014 that trend reversed, with several institutions reporting strong positive

lending over baseline (totaling $380 million) redeeming during that period, such that the net effect of cumulative

small business lending growth at redeemed institutions totaled a positive $230 million through that quarter.  As such,

this led to a respective decrease of the same amount of total measured qualified small business lending under the

standard methodology, as outlined in the chart on page 3.   

All subsequent analysis reflects current SBLF participants only.
7

Distribution of Small Business Lending Increases  

The following graph shows quarter‐over‐quarter changes in the number of participants reporting lending in the five

ranges of small business loan growth that correspond to various dividend or interest rates payable on SBLF securities.  

SBLF Participants Reporting Increases in Small Business Lending over Baseline7

(Reported as of December 31, 2014)  

To achieve the lowest available dividend or interest rate under the SBLF program terms (the “program incentive”),

current participants would have needed to increase small business lending in aggregate by at least $3.4 billion.8

  As of

December 31, 2014, the $15.1 billion increase achieved over baseline levels is approximately 4.4 times greater than

the $3.4 billion program incentive.9

                                                            

7 As a result of redemptions, the total number of SBLF institutions was 274 as of Q4 2014, 280 as of Q3 2014, 290 as of Q2 2014, 295 as of Q1

2014, 298 as of Q4 2013, 307 as of Q3 2013, 315 as of Q2 2013, 317 as of Q1 2013, 320 as of Q4 2012, 326 as of Q3 2012, 328 as of Q2 2012,

and 332 as of Q1 2012 and Q4 2011. 8 Throughout this report, the term “program incentive” is defined as the aggregate increase that would be required for current participants to

receive the lowest available dividend or interest rate under the SBLF program terms. 9 As of December 31, 2014, some institutions have increased lending by more than their maximum program incentive, while others have

increased by less or decreased.  Please see Appendix C for institution‐specific reporting of small business lending by SBLF participants.

8 333

257

0

50

100

150

200

250

300

Under 2.5% or

Reduced

2.5 to 4.9%

Increase

5.0 to 7.4%

Increase

7.5 to 9.9%

Increase

10.0% or Greater

Increase

SBLF Participants (#)

Increase in Small Business Lending over Baseline

Q4 2011 Q1 2012 Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013

Q3 2013 Q4 2013 Q1 2014 Q2 2014 Q3 2014 Q4 2014
8

Distribution of Small Business Lending Increases by Quartile

Increases in small business lending are widespread among SBLF participants.  The largest dollar value increases in

small business lending have been made in aggregate by participants with the largest amount of SBLF funds

outstanding.  Funds outstanding is defined as the amount of funds received from SBLF minus funds that have been

redeemed.

If ranked and grouped by the amount of SBLF investment outstanding, the 69 institutions that held $12.6 million or

more of outstanding SBLF investment accounted for $7.9 billion of the total reported increase in small business

lending with $1.9 billion of total investment outstanding.  The following graph shows the changes in small business

lending over baseline levels across four equally‐sized groups of SBLF participants based on the dollar amount of their

SBLF investments outstanding.

Changes in Small Business Lending by Dollar Amount of SBLF Funds Outstanding

(Reported as of December 31, 2014)

$1.9

$0.6 $0.3 $0.1

$7.9

$4.5

$1.9

$0.8

$0.0

$1.0

$2.0

$3.0

$4.0

$5.0

$6.0

$7.0

$8.0

$9.0

First Quartile

($12.6 ‐ $114.1

Million)

Second Quartile

($6.4 ‐ $12.5 Million)

Third Quartile

($3.0 ‐ $6.3 Million)

Fourth Quartile

($3.0 Million or Less)

$ Billions

Quartiles by Dollar Amount of Funds Outstanding

SBLF Funds Outstanding Change in Small Business Lending over Baseline
9

If ranked and grouped by the dollar value of changes in small business lending, the top quartile of participants

accounted for $10.5 billion of the gross reported increase in small business lending with $1.5 billion of SBLF funds

outstanding.  The following graph shows the change in small business lending over baseline levels across four equally‐

sized groups of SBLF participants based on the dollar amount of their change in lending.

Increase in Small Business Lending by Dollar Amount of Lending Change

(Reported as of December 31, 2014)

$1.5

$0.7 $0.4 $0.3

$10.5

$3.2

$1.3

$0.2

$0.0

$2.0

$4.0

$6.0

$8.0

$10.0

$12.0

First Quartile

(Over $66.6 Million)

Second Quartile

($32.8 ‐ $66.2 Million)

Third Quartile

($10.9 ‐ $31.9 Million)

Fourth Quartile

($10.7 Million or Less)

$ in Billions

Quartiles by Dollar Amount of Change in Small Business Lending

SBLF Funds Outstanding Change in Small Business Lending over Baseline
10

Distribution of Small Business Lending Increases by Institution Size

Small business lending increased among groups of institutions of all sizes (as defined by total assets), with the largest

aggregate increases in dollar value reported by the largest institutions.10  The largest institutions (defined as those

participants with more than $1.0 billion in total assets) increased small business lending by $4.2 billion while the

smallest institutions (defined as those participants with less than $250 million in assets) increased small business

lending by $3.9 billion.  The following graph shows increases in small business lending over baseline levels and SBLF

funds outstanding across four categories of institution size.

Increase in Small Business Lending by Institution Size

(Reported as of December 31, 2014)

                                                            

10 In this report, institution size (including the size ranges in this graph and the segmentation of institutions) is based on the total assets

reported by banks as of March 31, 2011, the quarter immediately prior to Treasury’s first SBLF investment.

$0.6 $0.6 $0.7

$1.0

$3.9 $3.8

$3.2

$4.2

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

$4.5

$7.0 ‐ $249 Million

(n=151)

$250 ‐ $499 Million

(n=62)

$500 ‐ $999 Million

(n=39)

$1.0 ‐ $6.4 Billion

(n=22)

$ in Billions

Size by Total Assets

SBLF Funds Outstanding Change in Small Business Lending over Baseline
11

Distribution of Small Business Lending Increases by Regional Geography

In each region of the country, SBLF participants reported aggregate increases in small business lending.  Institutions in

the Southeast reported the largest aggregate increase ($3.6 billion) with one of the larger shares of SBLF funds

outstanding ($559 million).   

   

The following graph shows increases in small business lending over baseline levels and SBLF funds outstanding across

six geographic regions. 11

Increase in Small Business Lending by Regional Geography

(Reported as of December 31, 2014)

                                                            

11 In this report, the Midwest region includes: IA, IL, IN, KS, KY, MI, MN, MO, ND, NE, OH, SD, and WI.  The Southwest region includes: AZ, CO,

LA, NM, OK, TX, and UT.  The Southeast region includes: AL, AR, FL, GA, MS, NC, TN, SC, VA, and WV.  The Mid‐Atlantic region includes: DC, DE,

MD, NJ, NY, and PA.  The West region includes: CA, ID, MT, NV, OR, WA, and WY.  The Northeast region includes: CT, MA, ME, NH, RI, and VT.

$0.8 $0.7 $0.6

$0.4

$0.2 $0.2

$3.5 $3.5 $3.6

$2.0

$1.8

$0.7

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

Midwest

(n=80)

Southwest

(n=41)

Southeast

(n=57)

Mid‐Atlantic

(n=46)

West

(n=31)

Northeast

(n=19)

$ in Billions

Axis Title SBLF Funds Outstanding Change in Small Business Lending over Baseline
12

Based on the average loan size reported by participants in the August 2014 Results of the Second Annual Lending

Survey, the $15.1 billion aggregate increase in small business lending represents an estimated 72,900 additional loans

to small businesses.12  The following graph shows the estimated number of additional loans to small businesses by

regional geography.

Estimated Number of Additional Loans to Small Businesses by Regional Geography

(Reported as of December 31, 2014)

   

                                                            

12 The number of additional small business loans is calculated by dividing each participant’s change in small business lending as of December 31,

2014 by the average loan size the participant reported on its SBLF lending survey for the year ended June 30, 2013 and aggregating the

resulting loan counts.  The resulting aggregate is rounded to the nearest hundred loans.

6,000

19,000

2,400 22,000

16,900

6,600

Southwest

(n=41)

Southeast

(n=57)

Northeast

(n=19)

Midwest

(n=80)

Mid‐Atlantic

(n=46)

West

(n=31)
13

COMPARISON OF LENDING BY SBLF BANKS AND NON‐SBLF BANK GROUPS

This section compares changes in business lending and other lending by SBLF banks relative to (i) a representative

“peer group” of 409 community banks that were selected to match the specific size, geography, and financial

condition of SBLF banks and (ii) a broader “comparison group” of all 5,727 similarly‐sized community banks that are

headquartered in the same states as SBLF banks and engaged in business lending.  Please see Appendix A for

additional information regarding the composition of the peer group and comparison group.13

SBLF banks have increased business lending by substantially greater amounts than both the peer and comparison

groups across median measures of size, geography, and loan type.  SBLF banks also report a median increase in other

(non‐business related) types of lending, while both the peer group and comparison group show a smaller median

increase in such lending.  

Overall Changes in Business Lending and Other Lending

Comparing the level of loans outstanding as of December 31, 2014 to their baseline levels, SBLF banks increased

business lending by a median of 75.1 percent, versus a 21.5 percent median increase for the peer group and a 17.9

percent median increase for the comparison group.  In addition to increasing business lending, SBLF banks increased

other types of lending by a median of 50.6 percent over baseline levels, versus a median increase of 9.2 percent

among the peer group and 1.0 percent among the comparison group.  The following graph shows changes in business

lending and other lending by SBLF banks, the peer group, and the comparison group.

Changes in Business Lending and Other Lending

(Reported as of December 31, 2014)

   

                                                            

13 Treasury also used a statistical methodology called propensity score analysis to identify a peer group.  This analysis of participant lending

growth was performed for the quarter ending September 30, 2013.  Consistent with the previously reported findings from the peer and

comparison group analysis in the quarterly SBLF Lending Growth Reports, the results of this additional analysis suggested that the SBLF program

supported increased business lending among program participants.  The results of that analysis can be found at

http://www.treasury.gov/resource‐center/sb‐programs/Pages/sblf_transactions.aspx  

75.1%

50.6%

21.5%

9.2%

17.9%

1.0%

‐10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Business Lending Other Lending

Median Change in Lending by Loan

Category over Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
14

Distribution of Changes in Business Lending

A substantially greater percentage of SBLF banks than banks in the peer and comparison groups report significant

increases in business lending.  In total, 95 percent of banks participating in SBLF have increased their business lending

by 10 percent or more versus 63 percent for the peer group and 57 percent for the comparison group.  Twenty nine

percent of the peer group and 34 percent of the comparison group have reduced business lending versus two percent

of SBLF bank participants.

Distribution of Changes in Business Lending  

(Reported as of December 31, 2014)

  

SBLF banks increased business lending to a greater extent than both the peer and comparison groups as measured by

the proportion of institutions reporting increases, as well as the percentage increases reported.   SBLF banks

increased business lending by a mean of 120 percent with a standard deviation of 117 percentage points.14  The peer

group of non‐SBLF banks increased business lending by a mean of 43 percent with a standard deviation of 74

percentage points while the comparison group increased business lending by a mean of 31 percent with a standard

deviation of 62 percentage points.   

   

                                                            

14 The calculations of the mean and standard deviation for each group apply a 90 percent winsorization (i.e., all data below the fifth percentile is

set to the value of the fifth percentile and all data above the 95th percentile is set to the value of the 95th percentile).  Winsorization is a

statistical transformation used to limit the effect of extreme values in a sample.  The standard deviation is a measure of the variation of data

points from their mean.  In these results, the large standard deviations indicate that the percentage increases in business lending by SBLF banks

and the peer and comparison groups are distributed over a large range of values and not concentrated around the mean.   

0% 2% 3% 6%

18%

72%

21%

8% 8%

12% 15%

36%

26%

9% 9% 9%

16%

33%

0%

10%

20%

30%

40%

50%

60%

70%

80%

10.0% or

Greater

Decrease

0.1% to   9.9%

Decrease

0.0% to   9.9%

Increase

10.0% to 19.9%

Increase

20.0% to 39.9%

Increase

40.0% or

Greater Increase

Population of Banks (%)

Change in Business Lending over Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
15

Changes in Business Lending by Regional Geography

In each region of the country, SBLF banks reported median increases in business lending while both the peer group

and the comparison group reported smaller median increases.  The following graph compares median changes in

business lending by SBLF banks and the peer and comparison groups across six regions.

Changes in Business Lending by Regional Geography

(Reported as of December 31, 2014)

   

62%

107%

96%

76%

61%

87%

75%

27%

38%

13%

23%

13%

21% 26% 21% 22%

4%

16%

13%

26%

18%

0%

20%

40%

60%

80%

100%

120%

Midwest Southwest Southeast Mid‐Atlantic West Northeast Overall

Median Change in Business Lending over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
16

Changes in Business Lending by Institution Size

Across nearly all ranges of institution size as defined by total assets, SBLF banks reported median increases in

business lending. The peer group reported a slight median change in business lending increases across the majority of

ranges of institution size, while the comparison group reported smaller median increases.  The following graph

compares median changes in business lending by SBLF banks and the peer and comparison groups across four

categories of institution size.

Changes in Business Lending by Institution Size

(Reported as of December 31, 2014)

   

87%

76%

42%

74% 75%

18%

22% 25% 28%

22% 19% 17% 15% 21% 18%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

$7.0 ‐ $249 Million $250 ‐ $499

Million

$500 ‐ $999

Million

Median

$1.0 ‐ $6.4 Billion Overall

Change in Business Lending over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group

Size by Total Assets
17

Changes in Business Lending by Loan Category

Across all of the four loan categories that comprise business lending, SBLF banks reported median increases in

business lending while both the peer group and comparison group generally reported smaller median increases.  The

following graph compares median changes in business lending by SBLF banks and the peer and comparison bank

groups across the four loan categories.

Changes in Business Lending by Loan Category

(Reported as of December 31, 2014)

   

67%

83%

58%

76% 75%

17% 20% 21% 22% 22%

9% 9%

27% 30%

18%

‐10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Commercial &

Industrial

Owner Occupied

CRE

Agricultural

Production

Farmland Overall

Median Change in Loan Category over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
18

Changes in Business Lending by Financial Condition

Across all ranges of financial condition as measured by Texas ratio15, SBLF banks reported higher median increases in

business lending than both the peer group and the comparison group.  The following graph compares median

changes in business lending by SBLF banks and the peer and comparison groups across four categories of Texas ratios.

Changes in Business Lending by Financial Condition

(Reported as of December 31, 2014)

   

                                                            

15 The Texas ratio is used as a proxy for the financial condition of the institution, and is defined as the institution’s nonperforming assets plus

loans 90 days or more past due all divided by the institution’s tangible equity plus loan loss reserves.

112%

85%

55%

41%

75%

38%

26%

22%

12%

22%

31%

25% 18%

‐4%

18%

‐20%

0%

20%

40%

60%

80%

100%

120%

Less than 10% 10.0% ‐ 19.9% 20.0% ‐ 29.9% 30% or Greater Overall

Median Change in Business Lending over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group

Texas Ratio
19

LENDING BY FORMER CAPITAL PURCHASE PROGRAM (CPP) PARTICIPANTS

The Act authorized Treasury to allow CPP participants that met certain requirements to refinance CPP investments

into SBLF.  In total, 137 institutions repaid a CPP investment in connection with an SBLF closing.  These banks received

$2.7 billion in SBLF funding and used $2.2 billion of this capital to repay outstanding CPP balances.  This section of the

report includes information on the 105 institutions that repaid a CPP investment in connection with an SBLF closing

and continue to participate in the program.

Small Business Lending Increases by Former CPP Participants

In total, institutions that received CPP funding and refinanced these investments reported a $6.8 billion increase in

small business lending over baseline levels, with a median increase of 37 percent.  By comparison, these institutions

would have needed to increase small business lending by at least $2.1 billion in aggregate to achieve the maximum

program incentive (as defined previously).

To date, 96 percent of institutions that refinanced CPP investments have increased their small business lending over

baseline levels and 90 percent have increased their small business lending by 10 percent or more.  Of the four

institutions (four percent) that report decreases in small business lending over baseline levels, one has increased

lending in the period between the baseline and Treasury’s investment by the amount of $2.7 million.
20

Changes in Business Lending by Former CPP Participants

Banks that received CPP funding and refinanced these investments through SBLF reported a significant median

increase in business lending following receipt of the initial CPP investments.  These institutions also reported a

median increase from the SBLF baseline period.   

SBLF banks that refinanced CPP funding reported a median increase in business lending of 70.8 percent since their

initial receipt of CPP funding from Treasury.  These participants also reported that their business lending has

increased by a median of 53.4 percent since the baseline period.  The peer group of non‐SBLF banks reported a

median increase in business lending of 26.4 percent since the reporting date following the CPP closings and the

comparison group reported a median increase in business lending of 23.8 percent over the same period.  Since the

baseline period, the peer group has increased business lending by a median of 21.5 percent and the comparison

group has increased business lending by 17.9 percent, as previously noted.  Increases in business lending following

the CPP investment prior to the baseline period would generally have the effect of increasing the reported baseline,

thereby reducing the percentage increase in business lending reported since the baseline period.

Changes in Business Lending by Former CPP Participants16

(Reported as of December 31, 2014)

Dividend Rates Payable by Institutions that Refinanced CPP Investments

Institutions that refinance capital from CPP benefit from the dividend or interest rate incentive provided by SBLF only

if they increase their small business lending over baseline levels.  As of December 31, 2014, banks that refinanced CPP

                                                            

16 For the 105 former CPP participants, the median increase in business lending reflected in the first column is measured from the first reporting

date after each participant received its initial CPP capital to December 31, 2014.  Because the median CPP refinance participant received this

capital during the first quarter of 2009, the median increase in business lending for the peer and comparison groups is measured from March

31, 2009 to December 31, 2014 for this calculation.  This calculation excludes two SBLF participants that were former CPP participants but were

subsequently acquired following the receipt of SBLF funding.

70.8%

53.4%

26.4%

21.5% 23.8%

17.9%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Change in Business Lending Since Initial

Treasury Investment

Median

Change in Business Lending Since Baseline

Change in Business Lending since

Initial and Baseline Levels (%)

CPP Refinance Participants Peer Group Comparison Group
21

capital pay an average dividend or interest rate of 1.33 percent on SBLF funding, whereas other bank participants pay

an average rate of 1.08 percent.17

APPENDICES

A. Report Methodology

B. Changes in Lending Since Initial SBLF Investments

C. Institution‐Specific Reporting on Small Business Lending by SBLF Participants

D. Institution‐Specific Reporting on Business Lending by SBLF Banks

   

                                                            

17 These figures are adjusted to account for differences in the rates paid by subchapter S corporations and mutual institutions.
22

APPENDIX A:  REPORT METHODOLOGY  

This report provides information on changes in small business lending, business lending, and other (non‐business

related) lending by SBLF participants as of December 31, 2014, relative to baseline levels.  For each institution

analyzed for this report, changes in lending are measured as the dollar value or percentage change, as noted, in

lending between December 31, 2014 and the baseline period, unless otherwise specified.  The baseline is calculated

as the average of the applicable loan amounts that the institution reported for each of the four calendar quarters

ended June 30, 2010.

Measurement of Small Business Lending

SBLF participants, which include banks and community development loan funds (CDLFs), report changes in small

business lending by submitting quarterly reports to Treasury.  This information is aggregated and presented in

summary form in the “Increases in Small Business Lending Over Baseline Levels” section of this report.   

The Act defines “small business lending” as business loans that are (i) $10 million or less in amount to businesses with

$50 million or less in revenue and (ii) included in one of the following categories:

• Commercial and industrial loans

• Owner‐occupied nonfarm, nonresidential real estate loans (“owner‐occupied CRE”)

• Loans to finance agricultural production and other loans to farmers (“agricultural production”)

• Loans secured by farmland (“farmland”)

The SBLF program terms provide for additional adjustments to the calculation of small business lending relating to

net charge‐offs and portions of loans guaranteed by the U.S. government or for which risk has been assumed by third

parties, as well as mergers and acquisitions and purchases of loans.

Changes in small business lending are calculated as the difference between the level of loans outstanding as of

December 31, 2014 and the baseline amount.  Participants report their baseline and changes in small business

lending by submitting quarterly supplemental reports to Treasury.  The most recent supplemental report includes

lending information as of December 31, 2014.  Participants are required to revise prior period submissions of small

business lending data if inaccuracies are identified.  Treasury publishes this updated information quarterly in its

Report on SBLF Participants’ Small Business Lending Growth (previously titled the SBLF Use of Funds Report).  This

report includes restatements of prior period institution‐specific information in the report appendices, which are also

available in Microsoft Excel format.  These resubmissions may yield minor differences in reporting, with each report

including the most recent available data for the then‐current period as well as all prior periods.  Because the most

recent information available for all periods is included in each quarterly report, Treasury does not generally revise

prior period reports to reflect these resubmissions.   

When a SBLF participant exits the program, the associated changes to qualified small business lending are removed

from the total qualified small business growth calculation in the quarter of redemption, as well as all future reporting

periods.  

Institution‐specific reporting on changes in small business lending by SBLF participants is presented in Appendix C.   
23

Measurement of Business Lending and Other Lending

This report provides information on changes in “business lending” and “other lending” by SBLF bank participants

relative to (i) a representative peer group of 409 community banks that were selected to match the specific size,

geography, and financial condition of SBLF banks and (ii) a broader comparison group of all 5,727 similarly‐sized

community banks that are located in one of the 44 states in which SBLF banks are headquartered and that engaged in

business lending.  The report also analyzes changes in business lending for the subset of SBLF banks that refinanced

into the program from Treasury’s Capital Purchase Program (CPP).

To obtain information regarding business and other lending by SBLF banks and the two non‐SBLF bank groups,

Treasury accessed information from SNL Financial, a private financial database that contains publicly‐filed regulatory

and financial reports.   

In contrast to small business lending, “business lending” refers to the same four categories of loans referenced in the

definition of small business lending without exclusions for loans to businesses that are more than $10 million and

loans to businesses with more than $50 million in revenue, and without the additional adjustments used in SBLF’s

calculation of small business lending.  Because the banks in the non‐SBLF bank groups are not program participants

and do not report small business lending as defined by the program terms, this analysis uses business lending as

proxy for small business lending activities.  Most business lending reported by SBLF banks qualifies as small business

lending.  For example, as of December 31, 2014, small business lending totaled 95.0 percent of business lending by

dollar value for the median SBLF bank.

Changes in business and other lending are calculated as the difference between the level of loans outstanding as of

December 31, 2014 and the baseline amount.  The baseline is calculated as the average of the business loans

outstanding that the institution reported for each of the four calendar quarters ended June 30, 2010.  Changes in

other lending are calculated based on the institution’s total loans and leases, including loans held for sale, less the

amount of business loans outstanding.

For former CPP participants, this report includes a calculation of the median increase in business lending since they

received their initial CPP investment in the “Lending by Former Capital Purchase Program (CPP) Participants” section.  

For this section, bank‐specific changes in lending for this calculation are measured from the first quarterly reporting

date after the bank received its initial CPP investment to December 31, 2014.  This section also includes a calculation

of the median increase in business lending by the non‐SBLF bank groups from March 31, 2009 (the first reporting date

after the median CPP participant received its initial CPP investment) to December 31, 2014.

   

As noted, the definition of “banks” in this report encompasses both banks and thrifts.  Prior to March 31, 2012, many

thrifts reported lending on Thrift Financial Reports (TFRs), rather than the Call Reports used by banks.  Call Reports

segment nonfarm, nonresidential real estate loans into separate owner‐occupied and non‐owner occupied

categories, and only those loans classified as owner‐occupied are eligible for inclusion in business lending.  This

distinction, however, is not readily accessible in TFR filings.  To adjust for this difference, the analysis in this report

calculates owner‐occupied nonfarm, nonresidential real estate as a percentage of total nonfarm, nonresidential real

estate as of March 31, 2012 for each thrift institution.  The resulting percentage is applied to nonfarm, nonresidential

real estate loan balances from TFRs filed prior to March 31, 2012, including those used in the calculation of baseline

values.  As of the quarter ended March 31, 2012, all banks, thrifts, and bank and thrift holding companies file Call

Reports.
24

This comparative information will be updated periodically.  Institution‐specific reporting on changes in business

lending by SBLF banks is presented in Appendix D.  

Calculation of Median Changes in Lending

In comparing SBLF banks to the non‐SBLF bank groups, this report generally describes the median percentage change

in lending.  The median measure is used for these comparisons because it more closely describes the lending

activities of the typical institution in each group than would a calculation of the arithmetic mean (which is subject to

skew by outlying measures) or the weighted average (which is subject to concentration effects, given the distribution

of institution asset sizes within the SBLF portfolio).  Institutions that report a baseline value of zero for the relevant

measure are excluded from the median calculation.

   

Selection of Non‐SBLF Bank Comparison Group and Peer Group

In describing changes in business lending, this report compares the group of 226 banks that continue to participate in

the SBLF program to a broad comparison group of non‐SBLF banks and a representative peer group selected from the

broader comparison group:

• Comparison Group.  The comparison group is comprised of the 5,727 non‐SBLF insured depository institutions

that (i) were established prior to March 31, 2009, (ii) had total assets between $7.0 million and $6.4 billion (the

range of total assets for SBLF banks) as of March 31, 2011, which is the end of the first quarter prior to SBLF

banks receiving funding, (iii) are located in one of the 44 states in which SBLF banks are headquartered, and (iv)

reported a positive amount of business lending in the baseline period.   

Each quarter, institutions are removed from the initial comparison group if they are merged into another

institution or closed.  As of December 31, 2014, a total of 690 institutions have been removed from the initial

6,417 institution comparison group for these reasons.  While the comparison group includes banks that share

the aforementioned characteristics with SBLF banks, the selection criteria for the group does not imply that it

has the same distribution with respect to size, geography, or financial condition as the portfolio of SBLF banks.

• Peer Group.  The peer group is comprised of 409 non‐SBLF insured depository institutions that share certain

size, geographic, and financial characteristics with the group of SBLF bank participants.

For each SBLF participant bank, two peer banks were selected from the comparison group.  The institutions

selected were generally the two banks with the closest Texas ratios that were located within the same state

and asset size category as the SBLF participant as of March 31, 2011 (the quarter immediately prior to

Treasury’s first SBLF investment).  The five categories of asset size in this analysis are (i) $7 to $99 million, (ii)

$100 to $249 million, (iii) $250 to $499 million, (iv) $500 to $999 million, and (v) $1.0 to $6.4 billion.  The Texas

ratio is used as a proxy for the financial condition of the institution, and is defined as the institution’s

nonperforming assets plus loans 90 days or more past due all divided by the institution’s tangible equity plus

loan loss reserves.   

For example, an SBLF bank based in Ohio with $750 million in assets and a Texas ratio of 20 percent would be

matched with the two, Ohio‐based banks in the $500 to $999 million asset size category that have Texas ratios

closest to 20 percent.   

In those instances in which SBLF banks have an overlapping peer bank, the same peer is not used in the peer

group more than once.  Instead, the peer is assigned to the SBLF bank with the closest Texas ratio and the other

SBLF bank is assigned to its next closest peer.   
25

Peer institutions were selected as of March 31, 2011.  This analysis removes institutions from the peer group if

(i) the corresponding SBLF bank fully redeems its SBLF securities and exits the program or (ii) in the case of the

acquisition of the peer, its merger into another institution, or closure.  As of December 31, 2014, a total of 76

institutions have been removed from the peer group as a result of SBLF participants exiting the program and 41

have been removed as a result of mergers or acquisitions of the peer institutions.

   

The following table is a summary of the size, Texas ratio, and geographic distribution of SBLF bank participants, the

peer group, and the comparison group.

  

   

SBLF

Banks

Peer

Group

Comparison

Group

Number of institutions 226 409 5,727

Increase in business lending (median) 75.1% 21.5% 17.9%

Increase in other lending (median) 50.6% 9.2% 1.0%

Assets ($000s)

Median $291,960 $275,273 $145,351

Mean $530,297 $439,283 $310,650

Texas Ratio

Median 15.1% 15.4% 16.6%

Mean 17.7% 18.5% 28.8%

Region (% of institutions)

Midwest 61.8% 29.3% 21.9%

Northeast 80.9% 22.4% 21.0%

South 96.8% 18.3% 12.4%

West 68.0% 14.1% 13.8%

Summary of the Characteristics of SBLF Banks, the Peer Group, and the Comparison Group
26

APPENDIX B:  CHANGES IN LENDING SINCE INITIAL SBLF INVESTMENTS  

The table on this page includes the aggregate increases in qualified small business lending by participants since the

initial SBLF investments.18  Additionally, it shows quarter‐over‐quarter changes in the number of participants

reporting lending in the five ranges of small business loan growth that correspond to various dividend or interest

rates payable on SBLF securities.  Please see Appendix D for institution‐specific reporting of small business lending by

SBLF participants.

   

                                                            

18 In this analysis, the point of SBLF investment is defined as Q3 2011 and is measured as the change in lending between September 30, 2011

and September 30, 2014.  The first four of Treasury’s investments in SBLF participants were made in the quarter ended June 30, 2011, with all

subsequent investments made in the quarter ended September 30, 2011.   

Q4 2011 Q1 2012 Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013 Q3 2013 Q4 2013 Q1 2014 Q2 2014 Q3 2014 Q4 2014

Cumulative Increase in Small Business Lending ($ in Billions) $1.3 $1.7 $3.1 $3.9 $5.2 $5.4 $6.8 $7.4 $8.7 $8.6 $9.8 $10.6 $11.6

Change in Small Business Lending (# of Participants)

Under 2.5% or Reduced 156 137 93 84 65 70 47 40 31 34 26 20 17

2.5 to 4.9% Increase 46 37 39 20 17 17 6 10 9 8 13 5 6

5.0 to 7.4% Increase 45 31 26 22 17 18 18 9 8 9 3 9 6

7.5 to 9.9% Increase 27 27 26 31 20 12 16 15 12 9 8 7 4

10.0% or Greater Increase 58 100 147 169 201 200 228 233 238 235 240 239 241

Participant Changes in Qualified Small Business Lending Since Initial SBLF Investments (Q3 2011)
27

The table on this page includes results for the SBLF banks, peer group, and comparison group for business lending

since the initial SBLF investments.  The information reported herein is based on Call Report data from December 2013

and the methodology described in Appendix A.

   

SBLF

Banks

Peer

Group

Comparison

Group

Number of institutions 226 407 5,718

Changes in Business and Other Lending % % %

Increase in Business Lending (median) 46.8 16.3 15.4

Increase in Other Lending (median) 41.4 13.7 8.7

Increase in Business Lending (mean) 61.1 26.8 22.0

Increase in Business Lending (standard dev.) 49.2 46.9 42.2

Institutions that Increased Business Lending by 10% or more 91.2 56.5 56.4

Institutions that Reduced Business Lending 3.5 31.0 32.1

Distribution of Changesin Business Lending

10.0% or Greater Decrease 1.3 18.2 21.3

0.1% to 9.9% Decrease 2.2 12.8 10.8

0.0% to 9.9% Increase 5.3 12.5 11.5

10.0% to 19.9% Increase 11.9 11.8 11.9

20.0% to 39.9% Increase 20.8 18.2 19.6

40.0% or Greater Increase 58.4 26.5 24.8

Changes in Business Lending by Regional Geography

Midwest 43.2 17.4 17.3

Southwest 68.0 22.5 22.2

Southeast 56.4 6.0 3.3

Mid‐Atlantic 44.4 16.5 11.9

West 36.1 21.2 16.9

Northeast 55.8 14.6 18.0

Changes in Business Lending by Institution Size

$7.0 to $249 Million 50.1 13.2 15.7

$250 to $499 Million 49.4 15.9 13.5

$500 to $999 Million 26.4 18.2 16.1

$1.0 to $6.4 Billion 57.5 32.2 17.9

Changes in Business Lending by Loan Category

Commercial & Industrial 46.6 18.6 12.5

Owner‐Occupied CRE 48.6 10.8 5.3

Agricultural Production 45.1 21.0 25.2

Farmland 40.3 21.3 20.2

Changes in Business Lending by Texas Ratio

Less than 10% 54.4 20.1 21.9

10.0% to 19.9% 54.3 16.0 19.1

20.0% to 29.9% 43.7 14.2 14.8

30.0% or Greater 34.8 12.4 3.6

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since SBLF Investment 41.2 16.3 15.4

Measurement of Lending by SBLF Banks, Peer Group, and Comparison Group Since Initial SBLF Investments(Q3 2011)
28

APPENDIX C: INSTITUTION‐SPECIFIC REPORTING ON SMALL BUSINESS LENDING BY SBLF

PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Southern National Corporation Andalusia AL Bank 4,500,000 155,095,000 182,146,000 27,051,000 

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 92,579,000 38,991,000 

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 661,280,000 1,673,574,000 1,012,294,000 

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 328,578,000 86,788,000 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 55,523,000 16,452,000 

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 101,436,000 45,228,000 

Simmons First National Corporation (Community First Bancshares, Inc.) Little Rock AR Bank 30,852,000 302,286,000 313,241,000 10,955,000 

Western Alliance Bancorporation Phoenix AZ Bank 70,500,000 1,642,703,000 1,840,483,000 197,780,000 

First Northern Community Bancorp Dixon CA Bank 12,847,000 225,762,000 271,578,000 45,816,000 

Community Valley Bank El Centro CA Bank 1,800,000 13,645,000 48,407,000 34,762,000 

CU Bancorp (1st Enterprise Bank) Encino CA Bank 16,400,000 340,835,000 561,674,000 220,839,000 

Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 64,387,000 18,299,000 

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA Bank 42,000,000 568,663,000 821,590,000 252,927,000 

Silvergate Capital Corporation La Jolla CA Bank 7,427,000 9,115,000 14,560,000 5,445,000 California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 224,045,000 150,480,000 

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 54,234,000 10,960,000 

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 99,712,000 17,719,000 Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 62,801,000 8,072,000 

Bank of Commerce Holdings Redding CA Bank 20,000,000 200,059,000 249,359,000 49,300,000 

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 247,823,000 82,842,000 

Seacoast Commerce Banc Holdings (Seacoast Commerce Bank) San Diego CA Bank 4,000,000 45,347,000 112,292,000 66,945,000 

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 91,261,000 74,803,000 Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 47,447,000 12,048,000 

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 56,535,000 33,759,000 

Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 109,446,000 26,712,000 

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 44,150,000 83,994,000 39,844,000 

CIC Bancshares, Inc. Denver CO Bank 1,772,000 87,266,000 146,629,000 59,363,000 

CoBiz Financial Inc. Denver CO Bank 57,366,000 744,624,000 837,883,000 93,259,000 

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 72,357,000 6,357,000 

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 36,367,000 8,986,000 

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 208,120,000 252,957,000 44,837,000 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Bank 10,980,000 78,178,000 263,197,000 185,019,000 

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,899,000 62,315,000 27,416,000 

Community Bank Delaware Lewes DE Bank 4,500,000 32,823,000 43,533,000 10,710,000 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 213,205,000 46,458,000 

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 44,167,000 32,894,000 

First Green Bancorp, Inc. (First Green Bank) Eustis FL Bank 4,727,000 30,339,000 100,667,000 70,328,000 

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 92,875,000 67,166,000 

Stonegate Bank (Florida Shores Bancorp, Inc.) Ft. Lauderdale FL Bank 12,750,000 338,806,000 428,539,000 89,733,000 

Community Southern Holdings, Inc. (Community Southern Bank) Lakeland FL Bank 5,700,000 28,611,000 73,415,000 44,804,000 

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 131,643,000 66,069,000 

Ovation Holdings, Inc. Naples FL Bank 5,000,000 30,742,000 51,320,000 20,578,000 

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Bank 3,367,000 14,704,000 47,533,000 32,829,000 

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 25,577,000 13,279,000 

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 99,980,000 167,908,000 67,928,000 

Resurgens Bancorp Atlanta GA Bank 2,967,000 18,065,000 27,844,000 9,779,000 The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 10,366,000 4,423,000 

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 45,704,000 4,490,000 Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,239,712,000 1,482,736,000 243,024,000 

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,761,000 115,950,000 48,189,000 

Commercial Financial Corp Storm Lake IA Bank 18,000,000 249,828,000 299,124,000 49,296,000 

D.L. EVANS BANCORP Burley ID Bank 14,891,000 380,372,000 417,719,000 37,347,000 

Southern Illinois Bancorp, Inc. Carmi IL Bank 6,750,000 92,975,000 151,707,000 58,732,000 

First Busey Corporation Champaign IL Bank 72,664,000 555,684,000 699,725,000 144,041,000 

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 330,565,000 419,022,000 88,457,000 

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 237,204,000 113,374,000 

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 76,310,000 16,122,000 

Prime Banc Corp. Dieterich IL Bank 10,000,000 98,284,000 176,839,000 78,555,000 

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 98,269,000 56,957,000 

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 36,194,000 3,393,000 

Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 52,195,000 84,144,000 31,949,000 

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,311,000 81,551,000 24,240,000 

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 161,867,000 275,494,000 113,627,000 

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 38,404,000 23,492,000 People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 185,899,000 55,913,000 

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 152,831,000 203,907,000 51,076,000 

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 95,570,000 16,661,000 

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 139,445,000 48,296,000 

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 58,334,000 93,168,000 34,834,000 

Horizon Bancorp Michigan City IN Bank 12,500,000 224,567,000 272,746,000 48,179,000 

AMB Financial Corp. Munster IN Bank 3,858,000 23,283,000 32,837,000 9,554,000 

Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 189,712,000 227,317,000 37,605,000 

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 34,683,000 11,640,000 

Brotherhood Bancshares, Inc. Kansas City KS Bank 8,000,000 55,235,000 38,383,000                        

(16,852,000) 

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 155,173,000 262,225,000 107,052,000 

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 30,206,000 15,991,000 

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 39,644,000 8,453,000 

Equity Bancshares, Inc. Wichita KS Bank 16,372,000 274,732,000 319,914,000 45,182,000 

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 50,080,000 19,449,000 

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 82,914,000 4,265,000 First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 186,490,000 240,854,000 54,364,000 

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 401,918,000 592,042,000 190,124,000 

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,272,000 158,008,000 53,736,000 

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 142,925,000 193,947,000 51,022,000 

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 370,388,000 577,026,000 206,638,000 

Community Trust Financial Corporation Ruston LA Bank 48,260,000 386,361,000 823,801,000 437,440,000 

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 167,475,000 83,173,000 

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 72,766,000 42,368,000 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Island Bancorp, Inc. Edgartown MA Bank 2,000,000 23,581,000 36,446,000 12,865,000 

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 45,611,000 69,265,000 23,654,000 

StonehamBank, A Co‐operative Bank Stoneham MA Bank 13,813,000 46,880,000 113,154,000 66,274,000 

Monument Bank (MD) Bethesda MD Bank 5,675,000 34,983,000 64,585,000 29,602,000 

Eagle Bancorp, Inc. Bethesda MD Bank 71,900,000 588,762,000 912,925,000 324,163,000 

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 174,762,000 251,929,000 77,167,000 

The Community Financial Corporation (Tri‐County Financial Corporation)Waldorf MD Bank 20,000,000 244,812,000 327,030,000 82,218,000 

Katahdin Bankshares Corp. Houlton ME Bank 11,000,000 138,863,000 183,973,000 45,110,000 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 57,489,000 23,696,000 

Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 94,054,000 273,206,000 179,152,000 

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 46,647,000 25,177,000 

Valley Financial Group, Ltd. Saginaw MI Bank 1,000,000 73,968,000 96,256,000 22,288,000 

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 424,898,000 226,699,000 MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 71,952,000 110,026,000 38,074,000 

Financial Services of Winger, Inc. Fosston MN Bank 3,051,000 60,984,000 103,788,000 42,804,000 

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 24,950,000 40,018,000 15,068,000 

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 44,920,000 50,225,000 5,305,000 

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 86,199,000 33,189,000 

McLeod Bancshares, Inc. Shorewood MN Bank 6,000,000 64,344,000 49,016,000                        

(15,328,000) 

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 198,906,000 49,604,000 

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 52,098,000 5,180,000 

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 178,030,000 244,704,000 66,674,000 

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,753,000 64,993,000 34,240,000 Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 113,266,000 119,213,000 5,947,000 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 248,276,000 285,135,000 36,859,000 

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 249,729,000 352,017,000 102,288,000 

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 76,896,000 14,306,000 

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 13,432,000 10,100,000 

Premara Financial, Inc. Charlotte NC Bank 6,238,000 58,881,000 67,000,000 8,119,000 

Select Bancorp, Inc. Dunn NC Bank 7,645,000 150,180,000 184,858,000 34,678,000 

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,779,000 58,456,000 19,677,000 

Providence Bank Rocky Mount NC Bank 4,250,000 32,074,000 35,826,000 3,752,000 

First Bancorp Troy NC Bank 63,500,000 496,528,000 613,739,000 117,211,000 

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 301,332,000 247,653,000 

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 154,511,000 321,979,000 167,468,000 

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 299,876,000 459,574,000 159,698,000 

The State Bank of Bartley Bartley NE Bank 2,380,000 29,743,000 44,452,000 14,709,000 

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 78,994,000 28,676,000 

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 146,173,000 198,838,000 52,665,000 

Adbanc Inc. Ogallala NE Bank 15,000,000 250,743,000 344,839,000 94,096,000 

Northway Financial, Inc. Berlin NH Bank 23,593,000 109,533,000 129,036,000 19,503,000 

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 81,503,000 19,527,000 

New Hampshire Thrift Bancshares, Inc. Newport NH Bank 8,000,000 177,414,000 247,434,000 70,020,000 

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 97,174,000 21,853,000 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

ConnectOne Bancorp Inc. (Center Bancorp, Inc.) Englewood Cliffs NJ Bank 11,250,000 557,777,000 578,766,000 20,989,000 

Harmony Bank Jackson NJ Bank 3,500,000 15,897,000 55,661,000 39,764,000 Regal Bank Livingston NJ Bank 7,000,000 25,872,000 39,082,000 13,210,000 

Freedom Bank Maywood NJ Bank 4,000,000 32,445,000 60,875,000 28,430,000 

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 224,211,000 16,286,000 

Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 141,116,000 48,782,000 

Two River Bancorp (Community Partners Bancorp) Tinton Falls NJ Bank 6,000,000 173,978,000 236,475,000 62,497,000 

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 94,372,000 60,473,000 Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 25,638,000 2,362,000 

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 156,936,000 109,264,000 Alma Bank Astoria NY Bank 19,000,000 91,798,000 302,012,000 210,214,000 Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 48,919,000 75,372,000 26,453,000 

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 70,953,000 142,045,000 71,092,000 Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 140,484,000 81,662,000 

Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 115,149,000 157,620,000 42,471,000 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 26,711,000 41,536,000 14,825,000 

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 19,765,000 7,745,000 

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 61,282,000 24,653,000 

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 66,558,000 33,386,000 Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 56,259,000 35,299,000 

Central Service Corporation Enid OK Bank 4,250,000 148,029,000 251,445,000 103,416,000 

Regent Capital Corporation Nowata OK Bank 3,350,000 52,719,000 86,411,000 33,692,000 

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 93,215,000 5,909,000 

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 105,810,000 41,091,000 

DNB Financial Corporation Downingtown PA Bank 13,000,000 126,007,000 145,140,000 19,133,000 

Monument Bank (PA) Doylestown PA Bank 2,970,000 19,715,000 48,142,000 28,427,000 

MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 123,054,000 76,276,000 Emclaire Financial Corp. Emlenton PA Bank 5,000,000 56,761,000 71,473,000 14,712,000 

First Resource Bank Exton PA Bank 5,083,000 35,388,000 52,298,000 16,910,000 

Centric Financial Corporation Harrisburg PA Bank 7,492,000 51,985,000 93,001,000 41,016,000 

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 181,818,000 65,134,000 

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 62,400,000 21,580,000 

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 29,341,000 68,697,000 39,356,000 Mid Penn Bancorp, Inc. (Phoenix Bancorp, Inc.) Millersburg PA Bank 1,750,000 40,166,000 49,253,000 9,087,000 

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 137,151,000 186,450,000 49,299,000 

York Traditions Bank York PA Bank 5,115,000 80,687,000 101,428,000 20,741,000 

Codorus Valley Bancorp, Inc. York PA Bank 12,000,000 168,440,000 278,572,000 110,132,000 

GrandSouth Bancorporation Greenville SC Bank 7,922,000 92,718,000 129,846,000 37,128,000 

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 75,395,000 18,816,000 

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 98,693,000 140,894,000 42,201,000 

BHCB Holding Company Rapid City SD Bank 2,000,000 34,568,000 62,634,000 28,066,000 

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 1,000,000 19,097,000 17,870,000                          

(1,227,000) 

CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 348,945,000 214,396,000 

Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 135,095,000 182,093,000 46,998,000 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Landmark Community Bank Collierville TN Bank 8,000,000 29,713,000 70,778,000 41,065,000 

Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 91,763,000 72,662,000 

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 86,339,000 163,349,000 77,010,000 

Sumner Bank & Trust Gallatin TN Bank 2,000,000 27,039,000 30,348,000 3,309,000 

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 81,323,000 20,006,000 

Moneytree Corporation Lenoir City TN Bank 9,992,000 69,543,000 76,593,000 7,050,000 

Magna Bank Memphis TN Bank 18,350,000 56,041,000 70,917,000 14,876,000 

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 79,334,000 34,632,000 

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 68,004,000 40,492,000 Avenue Financial Holdings, Inc. Nashville TN Bank 18,950,000 74,788,000 204,158,000 129,370,000 

SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 37,009,000 92,720,000 55,711,000 Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 49,704,000 33,048,000 

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 434,816,000 751,347,000 316,531,000 

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 65,133,000 223,163,000 158,030,000 Southwestern Bancorp, Inc. Boerne TX Bank 150,000 22,454,000 34,846,000 12,392,000 

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 11,990,000 3,969,000 

Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 254,429,000 153,510,000 Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 268,762,000 85,499,000 

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Bank 114,068,000 1,283,036,000 1,175,356,000                     

(107,680,000) 

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 33,150,000 85,570,000 52,420,000 First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 274,403,000 136,551,000 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Bank 8,673,000 58,535,000 176,906,000 118,371,000 

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 52,881,000 12,159,000 

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 91,574,000 269,641,000 178,067,000 Independent Bank Group, Inc. (BOH Holdings, Inc.) McKinney TX Bank 23,938,350 770,748,000 1,009,483,000 238,735,000 

Vista Bancshares, Inc. (McLaughlin Bancshares, Inc.) Ralls TX Bank 6,600,000 47,152,000 82,952,000 35,800,000 

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 124,810,000 85,475,000 

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 534,461,000 131,767,000 

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 51,494,000 20,352,000 

Cache Valley Banking Company Logan UT Bank 11,670,000 218,868,000 333,102,000 114,234,000 

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 2,877,000 2,863,000 

Medallion Bank Salt Lake City UT Bank 26,303,000 233,231,000 406,271,000 173,040,000 

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 18,920,000 30,837,000 11,917,000 

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 82,596,000 13,629,000 

WashingtonFirst Bankshares, Inc. Reston VA Bank 13,347,000 217,686,000 344,184,000 126,498,000 

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 98,587,000 244,145,000 145,558,000 

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 49,054,000 10,534,000 

Puget Sound Bank Bellevue WA Bank 9,886,000 117,005,000 173,299,000 56,294,000 

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 56,528,000 16,644,000 

W.T.B. Financial Corporation Spokane WA Bank 19,571,000 878,103,000 1,178,343,000 300,240,000 

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 21,564,000 25,824,000 4,260,000 Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 371,324,000 429,738,000 58,414,000 

Sword Financial Corporation Horicon WI Bank 17,000,000 205,125,000 286,410,000 81,285,000 

First American Investment, Inc. Hudson WI Bank 1,705,710 39,254,000 45,960,000 6,706,000 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 489,609,000 110,054,000 

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 158,401,000 19,954,000 

First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 65,519,000 125,072,000 59,553,000 

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 26,844,000 32,721,000 5,877,000 First Bank of Charleston Inc. Charleston WV Bank 3,345,000 24,923,000 29,612,000 4,689,000 

MVB Financial Corp. Fairmont WV Bank 8,500,000 66,557,000 163,274,000 96,717,000 

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 5,992,000 3,519,000 

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 9,409,000                             

(136,000) 

Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 74,006,000 47,411,000 

Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 25,828,000 19,893,000 

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 9,581,000 33,227,000 23,646,000 

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 7,218,000 1,114,000 

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 12,853,000 7,132,000 

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 2,801,000 2,043,000 

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 7,133,000 2,245,000 

BUILDING HOPE...A CHARTER SCHOOL FACILITIES FUND Washington DC CDLF 2,091,000 23,190,000 38,589,000 15,399,000 

Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 14,844,000 12,071,000 

IFF Chicago IL CDLF 8,294,000 108,261,000 150,531,000 42,270,000 

Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 9,946,000 5,809,000 

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 13,326,000 9,875,000 Community Health Center Capital Fund, Inc. (Capital Link, Inc.) Boston MA CDLF 198,000 1,420,000 6,978,000 5,558,000 

Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc.Holyoke MA CDLF 200,000 3,526,000 4,821,000 1,295,000 

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 30,972,000 19,594,000 

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 28,824,000 19,975,000 

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 31,275,000 13,635,000 Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 13,568,000 6,589,000 Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 43,555,000                             

(100,000) 

Montana Community Development Corporation Missoula MT CDLF 585,000 9,345,000 16,025,000 6,680,000 Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 3,578,000 1,787,000 

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 5,595,000 4,141,000 

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 3,793,000 1,575,000 

TruFund Financial Services (Seedco Financial Services, Inc.) New York NY CDLF 2,500,000 33,651,000 35,059,000 1,408,000 

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 22,504,000                        

(10,776,000) 

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 11,121,000 8,393,000 

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 11,418,000 4,913,000 

The Progress Fund Greensburg PA CDLF 1,052,000 12,109,000 22,961,000 10,852,000 

Community First Fund Lancaster PA CDLF 862,000 11,002,000 23,582,000 12,580,000 

The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 179,964,000 66,696,000 

Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 2,725,000 535,000 

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 34,092,000 15,418,000 

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,230,000 1,431,000 

South Carolina Community Loan Fund (Lowcountry Housing Trust, IncorpNorth Charleston SC CDLF 392,000 96,000 2,233,000 2,137,000 

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 11,390,000 274,000 

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 5,912,000 3,426,000 
Institutions Participating in SBLF

Report on Information from 12/31/2014 Quarterly Supplemental Reports transmitted with April 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 

Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 14,138,000 2,380,000 CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 3,435,000 7,071,000 3,636,000 

PeopleFund Austin TX CDLF 500,000 6,412,000 8,603,000 2,191,000 ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 3,082,000 1,680,000 

Capital Impact Partners (NCB Capital Impact) Arlington VA CDLF 8,218,000 95,578,000 151,388,000 55,810,000 

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 15,822,000 3,035,000 

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 48,684,000 24,576,000 

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 23,085,000 9,741,000 

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 7,405,000 3,441,000 

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 11,586,000 7,024,000 
29

APPENDIX D: INSTITUTION‐SPECIFIC REPORTING ON BUSINESS LENDING BY SBLF BANKS
Community Banks Participating in SBLF

Report on Information from 12/31/2014 Call Reports transmitted with April 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Ag

Pr

BancIndependent, Incorporated Sheffield AL Southeast 1,175,539 126,083 110,777 6,105 15,249 258,213 207,795 143,964 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Southeast 206,545 34,442                                        ‐ 6,394                     ‐ 40,837 43,223                            

10,573 

ServisFirst Bancshares, Inc. Birmingham AL Southeast 4,098,628 440,705 209,801 25,580 22,243 698,328 1,458,213 793,917 

Southern National Corporation Andalusia AL Southeast 434,586 42,858 46,952 5,776 59,822 155,408 40,906 35,079 

Southern States Bancshares, Inc. Anniston AL Southeast 304,681 18,236                                      ‐ 18,732 943 37,910 35,515 61,984 Rock Bancshares, Inc. Little Rock AR Southeast 234,403 49,812                                        ‐ 7,116 1,804 58,732 109,581                              

2,161 

Western Alliance Bancorporation Phoenix AZ West 10,476,408 550,987 1,063,943 186 4,343 1,619,459 1,918,071 1,699,821 

CU Bancorp Los Angeles CA West 2,264,327 91,889                                      ‐ 64,830                     ‐ 156,719 528,127                          

339,309       

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA West 5,952,137 553                                        ‐ 8,525                     ‐ 9,077 465,623                          

365,071 

Bank of Commerce Holdings Redding CA West 996,565 133,779 72,044 1,173 7,805 214,800 148,507 115,389 

California Bank of Commerce Lafayette CA West 445,613 60,775 13,291 390 1,632 76,087 179,795 58,940 

Capital Bank San Juan Capistrano CA West 252,474 13,838 11,346 98 295 25,575 23,609                            

69,644 

Community Valley Bank El Centro CA West 121,783 11,352                                        ‐ 2,293                     ‐ 13,645 12,904 30,121 First Northern Community Bancorp Dixon CA West 957,884 88,431 116,575 30,680 22,480 258,166 106,093 109,486 

Founders Bancorp San Luis Obispo CA West 168,808 24,400                                      ‐ 11,516 2,218 38,133 21,902                            

29,772 

GBC Holdings, Inc. Los Angeles CA West 485,261 48,872                                      ‐ 64,652 468 113,992 92,395                            

92,316       

Partners Bank of California Mission Viejo CA West 140,594 40,849                                      ‐ 13,880                     ‐ 54,729 35,949                            

26,356       

ProAmérica Bank (Promérica Bank) Los Angeles CA West 165,214 18,665                                      ‐ 28,650                     ‐ 47,315 14,641                            

43,838       

Redwood Capital Bancorp Eureka CA West 280,260 16,119 28,172 120 2,899 47,311 10,283 46,561 

Seacoast Commerce Bank Chula Vista CA West 410,350 12,916                                      ‐ 42,691 456 56,063 2,775                          

320,676       

Security California Bancorp Riverside CA West 610,997 112,334                                      ‐ 67,475                     ‐ 179,809 120,273 151,652 

Silvergate Capital Corporation La Jolla CA West 864,692 3,408                                        ‐ 6,233                     ‐ 9,641 5,615                              

9,786       

Summit State Bank Santa Rosa CA West 459,674 40,612 33,151 2,405 24,934 101,101 45,784 55,539 

The Bank of Santa Barbara Santa Barbara CA West 160,065 11,319                                        ‐ 9,943 1,514 22,776 28,157                            

29,273       

CIC Bancshares, Inc. Greenwood Village CO Southwest 711,930 1,433                                              ‐ 21                     ‐ 1,454 82,421                            

74,471 

CoBiz Financial Inc. Denver CO Southwest 3,025,107 464,781 390,528 5,703 2,295 863,306 679,900                          

431,019 

Columbine Capital Corp. Buena Vista CO Southwest 403,508 22,300 16,986 221 893 40,399 40,489 43,496 

Morgan Capital Corporation Fort Morgan CO Southwest 156,575 13,330 6,289 4,169 3,950 27,738 14,618 12,718 

Verus Acquisition Group, Inc. Fort Collins CO Southwest 266,662 14,365 45,134 88 7,204 66,792 14,097                            

57,784 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Northeast 1,094,427 3,378                                      ‐ 24,882                     ‐ 28,259 131,904                          

131,293       

Salisbury Bancorp, Inc. Lakeville CT Northeast 855,422 23,290 49,853 402 5,666 79,211 116,646 136,997 

SBT Bancorp, Inc. Simsbury CT Northeast 408,652 14,128                                      ‐ 21,168                     ‐ 35,295 21,836                            

42,014       

Community Bank Delaware Lewes DE Mid‐Atlantic 160,256 6,962 20,018 574 1,175 28,729 6,447 34,165 

Bank of Central Florida Lakeland FL Southeast 362,654 29,147                                      ‐ 27,541                     ‐ 56,688 71,396 58,666 

Community Southern Holdings, Inc. (Community Southern Bank) Lakeland FL Southeast 245,552 13,773 15,059 813 115 29,759 36,991 36,627 

FineMark Holdings, Inc. Fort Myers FL Southeast 886,033 12,141 15,375                    ‐ 112 27,628 37,720                            

54,752 

First Green Bancorp, Inc. (First Green Bank) Eustis FL Southeast 329,698 6,491                                      ‐ 23,716 133 30,339 20,600                            

79,857 

Florida Business BancGroup, Inc. Tampa FL Southeast 519,002 41,885                                      ‐ 46,924                     ‐ 88,809 62,083                          

111,008 

HomeBancorp, Inc. Tampa FL Southeast 905,309 3,043                                      ‐ 10,343                     ‐ 13,385 7,269                            

19,139       

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Southeast 224,137 9,021                                        ‐ 4,870                     ‐ 13,891 20,290                            

27,483       

Marquis Bank Coral Gables FL Southeast 278,954 1,427                                        ‐ 9,846                     ‐ 11,273 24,104                            

27,652       

Ovation Holdings, Inc. Naples FL Southeast 354,161 1,684                                        ‐ 8,013                     ‐ 9,698 10,617                            

42,766 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Southeast 496,356 57,110 95,349 222 10,816 163,496 103,368 111,331 

Stonegate Bank Pompano Beach FL Southeast 1,723,666 36,148                                      ‐ 90,104 2,692 128,944 168,031                          

342,501 

Lowndes Bancshares, Inc. Valdosta GA Southeast 219,244 10,135                                      ‐ 38,874                     ‐ 49,009 13,127 29,164 

Resurgens Bancorp Atlanta GA Southeast 125,061 8,251                                        ‐ 4,870 1,965 15,086 11,395                            

17,338       

The Peoples Bank of Talbotton Talbotton GA Southeast 50,538 647                                        ‐ 3,191 2,106 5,943 2,757 3,470 

Commercial Financial Corp Storm Lake IA Midwest 655,141 128,275 39,538 38,076 22,656 228,545 135,363 69,548 

Heartland Financial USA, Inc. Dubuque IA Midwest 6,220,137 506,645 531,185 98,111 214,759 1,350,700 964,946 597,687 

Liberty Financial Services, Inc. Sioux City IA Midwest 309,182 36,186 17,912 4,466 5,574 64,138 43,051 35,904 

D. L. Evans Bancorp Burley ID West 1,206,213 69,464 158,111 107,881 60,654 396,108 110,364 179,328 

Bancorp Financial, Inc. Oak Brook IL Midwest 606,007 5,790                                        ‐ 9,122                     ‐ 14,912 26,103                            

11,850       

Community First Bancorp, Inc. Fairview Heights IL Midwest 211,128 23,850                                      ‐ 23,424 7,233 54,507 45,760                            

38,768 

Community Illinois Corporation Rock Falls IL Midwest 251,243 29,250 10,821 16,703 22,134 78,909 28,357 16,122 

First Bankers Trustshares, Inc. Quincy IL Midwest 834,741 34,554 53,147 20,504 20,851 129,056 48,875 86,061 

First Busey Corporation Champaign IL Midwest 3,603,427 313,814 356,714 38,356 57,626 766,509 352,160 371,425 

First Community Financial Corporation Elgin IL Midwest 170,653 6,337                                      ‐ 26,075 582 32,993 8,077                            

26,661 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 291,666                  ‐ 7,789 7,887 25,857 41,533 29,345 8,725 

Illinois State Bancorp, Inc. Chicago IL Midwest 385,993 21,057                                      ‐ 38,971 160 60,188 17,598                            

51,687 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 203,813 35,038                                      ‐ 20,722                     ‐ 55,760 59,411                            

23,169       

People First Bancshares, Inc. Pana IL Midwest 367,887 48,975 9,408 48,716 13,254 120,352 68,385 21,058 Prime Banc Corp. Dieterich IL Midwest 564,734 21,310 6,268 9,480 22,344 59,401 47,118 81,738 

Signature Bancorporation, Inc. Chicago IL Midwest 524,569 88,196                                      ‐ 37,019                     ‐ 125,214 195,009                            

67,108 

Southern Illinois Bancorp, Inc. Carmi IL Midwest 408,043 37,465 17,420 18,888 21,392 95,164 55,561 40,298 

Town and Country Financial Corporation Springfield IL Midwest 497,841 34,830 59,359 6,536 5,550 106,274 41,957 103,746 Tri‐County Financial Group, Inc. Mendota IL Midwest 869,784 23,912 24,883 30,134 35,679 114,608 69,254 69,261 

United Community Bancorp, Inc. Chatham IL Midwest 1,785,340 211,038 155,561 57,598 92,821 517,019 156,986 151,076 

AMB Financial Corp. Munster IN Midwest 184,764 7,638                                      ‐ 14,191                     ‐ 21,829 8,712                            

24,592 

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 880,267 87,840 88,791 690 4,709 182,030 103,850 112,405 

First Savings Financial Group, Inc. Clarksville IN Midwest 717,420 26,351                                      ‐ 39,403                     ‐ 65,754 21,895 61,539 

Horizon Bancorp Michigan City IN Midwest 2,079,078 63,712 84,200 3,279 7,424 158,615 121,936 160,328 

Bern Bancshares, Inc. Bern KS Midwest 91,362 4,671 46 14,941 3,145 22,803 3,199 1,145 

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q4 2014
Community Banks Participating in SBLF

Report on Information from 12/31/2014 Call Reports transmitted with April 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Ag

Pr

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q4 2014

Brotherhood Bancshares, Inc. Kansas City KS Midwest 536,013 42,681                                      ‐ 28,067 3,673 74,420 63,380                            

14,843 

Equity Bancshares, Inc. Wichita KS Midwest 1,178,230 72,242 44,546 7,028 5,075 128,891 173,559 132,235 

Freedom Bancshares, Inc. Overland Park KS Midwest 144,590 17,081                                      ‐ 18,667                     ‐ 35,748 27,828                            

20,888       

Osborne Investments, Inc. Osborne KS Midwest 59,414 1,549 451 9,025 4,697 15,722 3,171 1,773 

UBT Bancshares, Inc. Marysville KS Midwest 589,881 41,004 27,943 44,044 63,137 176,128 43,710 21,879 

FCB Bancorp, Inc. Louisville KY Midwest 503,552 27,761                                      ‐ 54,823 56 82,640 12,393                            

66,917 

Magnolia Bancshares Inc. Hodgenville KY Midwest 164,706 6,246 10,176 2,066 14,930 33,419 11,332 21,205 

Community Trust Financial Corporation Ruston LA Southwest 3,713,197 294,044 150,315 1,480 24,990 470,828 1,261,302 446,545 

First Guaranty Bancshares, Inc. Hammond LA Southwest 1,515,072 85,481 82,769 17,727 12,111 198,087 196,339 154,904 

First NBC Bank Holding Company New Orleans LA Southwest 3,745,284 288,580                                    ‐ 212,783 261 501,625 1,034,409                          

430,971 

MidSouth Bancorp, Inc. Lafayette LA Southwest 1,935,444 185,803 126,929 6,367 3,019 322,119 453,817 262,876 

Ouachita Bancshares Corp. Monroe LA Southwest 636,662 47,682 73,761 14,288 9,163 144,892 54,670 106,044 

Progressive Bancorp, Inc. Monroe LA Southwest 474,403 54,604 42,050 1,671 7,976 106,300 64,281 44,337 Island Bancorp, Inc. Edgartown MA Northeast 172,376 2,672                                      ‐ 20,909                     ‐ 23,581 6,762                            

29,684       

Leader Bancorp, Inc. Arlington MA Northeast 846,003 7,075                                      ‐ 24,647                     ‐ 31,722 23,186                            

72,538       

New England Bancorp, Inc. Hyannis MA Northeast 237,411 9,707                                      ‐ 19,019                     ‐ 28,726 31,477                            

41,543       

Provident Bancorp, Inc. Amesbury MA Northeast 658,813 17,487                                      ‐ 70,118 93 87,697 91,583                          

104,707       

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 481,592 22,466                                      ‐ 24,415                     ‐ 46,880 49,393                            

63,761       

Eagle Bancorp, Inc. Bethesda MD Mid‐Atlantic 5,230,016 325,046                                    ‐ 122,093                     ‐ 447,140 902,004                          

477,946 

Howard Bancorp, Inc. Ellicott City MD Mid‐Atlantic 691,345 91,705                                      ‐ 41,681 794 134,180 135,715 112,826 

Monument Bank Bethesda MD Mid‐Atlantic 445,116 20,990                                      ‐ 12,522 576 34,088 37,487                            

29,301 

The Community Financial Corporation (Tri‐County Financial Corporation) Waldorf MD Mid‐Atlantic 1,081,084 121,233                                    ‐ 137,607                     ‐ 258,840 99,769                          

250,770       

Katahdin Bankshares Corp. Houlton ME Northeast 666,408 95,319 50,102 3,312 2,706 151,438 135,787 64,115 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 206,848 15,987                                      ‐ 17,807                     ‐ 33,793 25,464                            

35,867       

Crestmark Bancorp, Inc. Troy MI Midwest 693,284 153,006                                        ‐ 1,470                     ‐ 154,475 439,245                              

1,283       

Huron Valley State Bank Milford MI Midwest 102,078 5,648                                      ‐ 16,506 191 22,345 11,309                            

36,952 

Level One Bancorp, Inc. Farmington Hills MI Midwest 714,551 39,110                                      ‐ 24,606                     ‐ 63,716 201,158                            

89,767       

Valley Financial Group, Ltd. Saginaw MI Midwest 215,831 38,248                                      ‐ 36,190 90 74,528 57,242                            

41,451 

Financial Services of Winger, Inc. Fosston MN Midwest 158,497 19,628 7,190 25,894 21,040 73,751 24,353 18,763 

Heritage Bancshares Group, Inc. Willmar MN Midwest 414,273 59,801 32,540 48,486 28,555 169,382 64,343 13,126 

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 73,075 4,668 9,381 3,475 7,114 24,637 10,139 22,738 McLeod Bancshares, Inc. Shorewood MN Midwest 403,671 23,330 3,763 5,618 2,780 35,490 14,204 25,062 MidWest Bancorporation, Inc. Eden Prairie MN Midwest 230,917 35,697                                      ‐ 18,909                     ‐ 54,606 20,377 11,627 

Platinum Bancorp, Inc. Oakdale MN Midwest 151,762 19,145                                      ‐ 27,015 573 46,733 26,921                            

26,055 

Redwood Financial, Inc. Redwood Falls MN Midwest 233,465 24,855                                      ‐ 31,378                     ‐ 56,233 30,134 21,368 

Cardinal Bancorp II, Inc. Washington MO Midwest 291,403 34,752 29,431 190 5,482 69,855 43,722 33,591 

Fortune Financial Corporation Arnold MO Midwest 153,633 24,461                                      ‐ 23,534 370 48,366 32,929                            

23,988       

Great Southern Bancorp, Inc. Springfield MO Midwest 3,951,538 138,613 136,926 4,079 21,896 301,514 300,733 145,485 

Liberty Bancorp, Inc. Liberty MO Midwest 456,862 23,445                                      ‐ 53,499                     ‐ 76,944 49,098 69,181 

Security State Bancshares, Inc. Charleston MO Midwest 706,104 56,094 57,781 30,314 49,925 194,113 53,148 67,032 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 1,286,685 71,715 87,689 29,586 31,048 220,038 93,710 124,221 

Triad Bancorp, Inc. Frontenac MO Midwest 238,171 15,530                                      ‐ 16,895 820 33,245 33,626                            

46,568 

Bancorp of Montana Holding Company Missoula MT West 52,749 1,208                                        ‐ 1,994 444 3,646 6,096                              

6,376 

First Bancorp Troy NC Southeast 3,217,774 140,198 279,520 7,734 36,485 463,938 123,849 423,276 

Live Oak Bancshares, Inc. Wilmington NC Southeast 634,053 27,794                                      ‐ 73,668                     ‐ 101,462 156,184                          

229,566 

Premara Financial, Inc. Charlotte NC Southeast 241,839 15,263                                      ‐ 23,523                     ‐ 38,786 28,954                            

49,952 

Providence Bank Rocky Mount NC Southeast 236,995 14,547 12,644 780 826 28,797 15,620 20,274 

Select Bancorp, Inc. Dunn NC Southeast 763,971 67,810 104,974 4,486 9,786 187,056 56,434 112,969 

Union Bank & Trust Company Oxford NC Southeast 241,105 19,991 15,549 10 3,112 38,662 21,991 27,992 

Alerus Financial Corporation Grand Forks ND Midwest 1,476,926 180,756 65,037 33,489 10,852 290,134 344,668 129,105 

Western State Agency, Inc. Devils Lake ND Midwest 755,957 97,220 32,153 14,569 6,955 150,896 256,970 23,399 

Adbanc Inc. Ogallala NE Midwest 664,052 69,479 59,439 77,060 51,676 257,654 67,949 65,534 

Banner County Ban Corporation Harrisburg NE Midwest 112,103 8,633 2,981 30,815 15,368 57,797 12,465 10,472 

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 424,173 40,835 24,786 25,570 36,985 128,176 50,900 34,383 

The State Bank of Bartley Bartley NE Midwest 88,035 13,050 4,465 8,672 2,035 28,221 18,772 8,788 

First Colebrook Bancorp, Inc. Colebrook NH Northeast 256,866 25,654 42,281 569 82 68,585 36,534 49,057 

Guaranty Bancorp, Inc. Woodsville NH Northeast 411,648 37,136 48,710 454 1,988 88,288 38,579 59,533 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,502,324 57,064                                      ‐ 80,606                     ‐ 137,670 67,556 189,680 

Northway Financial, Inc. Berlin NH Northeast 920,156 44,870                                      ‐ 67,422                     ‐ 112,292 64,833                            

65,251       

ConnectOne Bancorp, Inc. Englewood Cliffs NJ Mid‐Atlantic 3,446,273 19,511                                      ‐ 83,294                     ‐ 102,806 393,069                          

210,193       

Crest Savings Bancorp, Inc. Wildwood NJ Mid‐Atlantic 409,232 3,201                                      ‐ 17,693                     ‐ 20,894 3,889                            

21,749       

Freedom Bank Oradell NJ Mid‐Atlantic 255,071 14,905                                      ‐ 17,540                     ‐ 32,445 18,262                            

41,248       

Harmony Bank Jackson Township NJ Mid‐Atlantic 266,144 929                                        ‐ 9,059 1,000 10,988 10,654                            

46,855 

Highlands Bancorp, Inc. Vernon NJ Mid‐Atlantic 272,776 16,612                                      ‐ 17,780 777 35,168 34,303                            

58,406 

Hopewell Valley Community Bank Pennington NJ Mid‐Atlantic 483,311 9,885                                      ‐ 76,725 876 87,485 21,726                          

124,625 

Regal Bank Livingston NJ Mid‐Atlantic 347,495 1,682                                      ‐ 24,190                     ‐ 25,872 3,234                            

35,848       

Stewardship Financial Corporation Midland Park NJ Mid‐Atlantic 692,350 48,805                                    ‐ 156,337 1,053 206,195 29,307                          

174,885 

Two River Bancorp (Community Partners Bancorp) Middletown NJ Mid‐Atlantic 780,828 48,487                                    ‐ 135,572 204 184,262 42,784                          

204,344 

Meadows Bank Las Vegas NV West 445,709 29,330                                      ‐ 21,164                     ‐ 50,495 130,667                            

71,071       

Alma Bank Astoria NY Mid‐Atlantic 940,129 66,760                                      ‐ 25,038                     ‐ 91,798 157,279                          

208,371       

Catskill Hudson Bancorp, Inc. Rock Hill NY Mid‐Atlantic 412,945 42,715 54,456 277 1,075 98,522 53,137 96,785 Greater Rochester Bancorp, Inc. Rochester NY Mid‐Atlantic 415,140 43,466                                      ‐ 17,134 1,736 62,336 99,412                            

54,704 
Community Banks Participating in SBLF

Report on Information from 12/31/2014 Call Reports transmitted with April 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Ag

Pr

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q4 2014

Kinderhook Bank Corp. Kinderhook NY Mid‐Atlantic 373,034 18,911 19,028 58 2,330 40,328 32,325 46,617 

Pathfinder Bancorp, Inc. Oswego NY Mid‐Atlantic 632,256 25,983                                      ‐ 48,698 786 75,467 43,749                            

99,169 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Mid‐Atlantic 278,402 6,963                                        ‐ 9,127                     ‐ 16,090 21,580 15,494 

Columbus First Bancorp, Inc Worthington OH Midwest 280,833 19,279                                      ‐ 15,132                     ‐ 34,411 28,548                            

34,656 

Community Independent Bancorp Inc. West Salem OH Midwest 97,680 2,587 5,795 133 3,505 12,020 2,214 8,722 

AmeriBank Holding Company Collinsville OK Southwest 216,307 19,843 9,416 1,590 2,324 33,172 41,530 14,386 

Central Service Corporation Enid OK Southwest 609,251 43,994 23,240 43,232 38,675 149,140 101,660 33,938 

Prime Bank Group Edmond OK Southwest 209,991 7,722 10,116 53 1,742 19,632 29,006 24,897 

Regent Capital Corporation Nowata OK Southwest 209,992 24,582 17,779 3,616 9,416 55,394 40,640 33,597 

AmeriServ Financial, Inc. Johnstown PA Mid‐Atlantic 1,061,080 92,509                                      ‐ 62,972 178 155,659 125,635                            

96,176 

CBT Financial Corp. Clearfield PA Mid‐Atlantic 431,260 34,922 32,578 1,037 6,580 75,117 43,833 30,803 

Centric Financial Corporation Harrisburg PA Mid‐Atlantic 311,863 16,476 31,487 193 1,397 49,553 32,486 57,789 Codorus Valley Bancorp, Inc. York PA Mid‐Atlantic 1,210,634 46,618 104,503 1,653 24,703 177,476 110,668 153,576 

DNB Financial Corporation Downingtown PA Mid‐Atlantic 723,265 38,960                                      ‐ 73,668 10,878 123,505 48,425                          

109,653 

Emclaire Financial Corp. Emlenton PA Mid‐Atlantic 580,435 33,244                                      ‐ 25,924                     ‐ 59,168 52,525 26,507 

Enterprise Financial Services Group, Inc. Allison Park PA Mid‐Atlantic 257,307 37,394                                      ‐ 75,423 424 113,241 34,709                            

91,740 

First Resource Bank Exton PA Mid‐Atlantic 180,528 11,395                                      ‐ 19,652 1,119 32,165 14,691                            

36,138 

Jonestown Bank and Trust Company Jonestown PA Mid‐Atlantic 446,093 6,880 29,539 11 4,390 40,820 14,849 40,594 

MileStone Bank Doylestown PA Mid‐Atlantic 216,937 17,161                                      ‐ 29,937                     ‐ 47,098 70,262                            

62,659 

Monument Bank Doylestown PA Mid‐Atlantic 250,499 1,478                                      ‐ 17,409 828 19,715 1,927                            

45,197 

Penn Liberty Financial Corp. Wayne PA Mid‐Atlantic 585,222 58,496                                      ‐ 84,723                     ‐ 143,218 84,177                          

113,865       

Phoenix Bancorp, Inc. Minersville PA Mid‐Atlantic 138,343 5,262                                        ‐ 4,097                     ‐ 9,359 23,925                            

24,965 

The Victory Bancorp, Inc. Limerick PA Mid‐Atlantic 157,534 13,913                                        ‐ 8,245 1,757 23,916 34,817                            

32,732 

York Traditions Bank York PA Mid‐Atlantic 300,231 48,533                                      ‐ 27,986 2,156 78,674 59,438                            

49,528 

Carolina Alliance Bank Spartanburg SC Southeast 418,311 29,943                                      ‐ 34,965 830 65,737 49,814                            

88,520 

GrandSouth Bancorporation Greenville SC Southeast 379,044 49,299 43,148 114 3,454 96,015 73,712 43,466 

TCB Corporation Greenwood SC Southeast 336,158 16,375                                      ‐ 40,863 1,056 58,294 18,314                            

54,839 

BHCB Holding Company Rapid City SD Midwest 157,078 11,260 16,312 1,696 1,627 30,895 22,508 37,038 

Avenue Financial Holdings, Inc. Nashville TN Southeast 998,054 92,450                                      ‐ 29,501                     ‐ 121,950 235,911                            

74,143       

CapitalMark Bank & Trust Chattanooga TN Southeast 930,377 88,680                                      ‐ 45,869                     ‐ 134,549 184,563                          

167,532 

Carroll Financial Services, Inc. Huntingdon TN Southeast 272,931 7,921 34,549 4,141 14,441 61,052 13,408 43,688 

Community First Bancshares, Inc. Union City TN Southeast 1,922,938 102,278 165,597 16,329 35,772 319,976 133,754 178,092 

Evolve Bancorp, Inc. Cordova TN Southeast 377,710 8,239 5,161 2,211 3,490 19,101 36,182 53,513 

Franklin Financial Network, Inc. Franklin TN Southeast 1,355,612 10,261 9,123 823 149 20,356 78,194 83,863 

Independent Holdings, Inc. Memphis TN Southeast 905,965 39,655                                      ‐ 11,109 1,474 52,238 66,516                            

30,022 

InsCorp, Inc. Nashville TN Southeast 262,333 11,667                                        ‐ 8,603 765 21,034 42,168                            

24,997 

Landmark Community Bank Collierville TN Southeast 680,830 17,728 11,183 94 263 29,268 42,693                            

25,088 

Magna Bank Memphis TN Southeast 565,361 24,492                                      ‐ 17,032                     ‐ 41,524 74,700 24,686 Merchants and Planters Bancshares, Inc. Bolivar TN Southeast 85,341 5,479 10,527 361 2,730 19,097 3,657 8,798 

Moneytree Corporation Lenoir City TN Southeast 425,377 35,050 32,806 61 1,627 69,543 16,104                            

58,264 

Planters Financial Group, Inc. Clarksville TN Southeast 856,847 59,970 67,388 12,733 34,238 174,327 63,249 89,862 

SmartFinancial, Inc. Pigeon Forge TN Southeast 533,900 21,736                                      ‐ 14,293 1,139 37,167 34,436                            

69,224 

Sumner Bank & Trust Gallatin TN Southeast 160,250 12,075 15,701 43 694 28,512 15,064 14,964 

AIM Bancshares, Inc. Levelland TX Southwest 591,245 39,299 14,585 13,262 6,874 74,020 153,340 72,114 

BMC Bancshares, Inc. Dallas TX Southwest 79,441 765 2,514 825 223 4,326 1,183 14,051       

Independent Bank Group, Inc. McKinney TX Southwest 4,127,466 82,574 177,239 13,025 12,039 284,877 607,467 699,896 

FB BanCorp San Antonio TX Southwest 687,710 99,765                                        ‐ 2,480                     ‐ 102,244 39,044 1,715       

First Texas BHC, Inc. Fort Worth TX Southwest 1,617,450 85,806 71,371 110 2,229 159,515 307,098 137,522 

Frontier Bancshares, Inc. Austin TX Southwest 550,765 25,056 29,742 851 6,814 62,462 103,401 120,267 

Happy Bancshares, Inc. Amarillo TX Southwest 2,570,931 201,680 93,384 130,663 51,686 477,414 456,707 170,439 

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Southwest 8,685,931 1,018,142 363,288 60,432 61,652 1,503,514 1,109,942 717,380 

Joaquin Bankshares Inc. Huntington TX Southwest 116,919 14,762 13,696 1,602 13,014 43,074 27,601 12,829 

Liberty Capital Bancshares, Inc. Addison TX Southwest 160,048 9,008                                        ‐ 5,927 1,722 16,657 33,007                            

14,720 

McLaughlin Bancshares, Inc. Ralls TX Southwest 283,090 18,912 4,166 29,426 3,706 56,210 44,495 15,114 Pioneer Bank, SSB Drippings Springs TX Southwest 364,037 7,439                                        ‐ 8,987 1,142 17,568 28,137 47,587 

Southwestern Bancorp, Inc. Boerne TX Southwest 121,771 5,487 12,617 2,545 1,837 22,486 11,374 19,264 

Sovereign Bancshares, Inc. Dallas TX Southwest 1,045,886 196,282                                      ‐ 22,060 918 219,260 303,961                            

94,265 

Steele Holdings, Inc. Tyler TX Southwest 280,148 14,649 15,060 427 1,007 31,142 27,865 21,674 

The ANB Corporation Terrell TX Southwest 2,652,041 142,877 265,405 6,732 22,473 437,487 152,053 442,801 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Southwest 351,964 33,954                                      ‐ 30,443                     ‐ 64,397 105,644 84,175 

Veritex Holdings, Inc. Dallas TX Southwest 801,799 24,303                                      ‐ 14,187 1,151 39,641 207,101                            

80,279 

Cache Valley Banking Company Logan UT Southwest 834,300 33,786 39,918 9,516 16,242 99,462 85,203 179,993 

LCA Bank Corporation Park City UT Southwest 119,182                      ‐ 136                                            ‐                     ‐ 136               ‐ 2,877                                  

      

Medallion Bank Salt Lake City UT Southwest 964,214              ‐ 234,859                                            ‐                     ‐ 234,859          ‐ 408,611                                  

      

Blue Ridge Bankshares, Inc. Luray VA Southeast 238,610 4,225 15,593 159 2,442 22,419 14,197 18,408 

Citizens Community Bank South Hill VA Southeast 167,009 18,419 16,605 251 3,246 38,520 13,643 28,986 

Heritage Bankshares, Inc. Norfolk VA Southeast 337,843 29,431                                      ‐ 36,330                     ‐ 65,761 30,585                            

52,005       

WashingtonFirst Bankshares, Inc. Reston VA Southeast 1,333,430 60,171 13,644 117 3,240 77,172 130,105                          

210,910 

Xenith Bankshares, Inc. Richmond VA Southeast 914,382 14,641                                      ‐ 19,095 593 34,328 220,476 70,083 

Puget Sound Bank Bellevue WA West 387,729 49,945                                      ‐ 28,866                     ‐ 78,810 120,534                            

64,160 

U&I Financial Corp Lynnwood WA West 232,486 8,950                                      ‐ 34,994                     ‐ 43,943 13,231                            

48,310       

W.T.B. Financial Corporation Spokane WA West 4,767,725 726,366 358,143 80,131 37,049 1,201,688 889,228 489,343 
Community Banks Participating in SBLF

Report on Information from 12/31/2014 Call Reports transmitted with April 2015 Report

Name City State Commercial & Industrial Owner‐Occupied Commercial Real Estate Agricultural Production Secured by Farmland Commercial & Industrial Owner‐Occupied Commercial Real

Estate

Ag

Pr

Institution

Region Total Assets

Baseline Lending Baseline

Business

Lending

Q4 2014

County Bancorp, Inc. Manitowoc WI Midwest 770,885 44,238 63,411 118,072 171,649 397,369 52,822 74,558 

Deerfield Financial Corporation Deerfield WI Midwest 127,283 15,306 116 4,065 1,820 21,306 7,146 9,207 

First American Investment, Inc. Hudson WI Midwest 174,517 4,014 15,043                    ‐ 163 19,220 16,236 31,587 

First Menasha Bancshares, Inc. Neenah WI Midwest 419,356 51,762 29,044 6 519 81,331 72,589                            

68,137 

Nicolet Bankshares, Inc. Green Bay WI Midwest 1,200,778 129,397 137,477 41 2,935 269,850 261,521 182,574 

Northern Bankshares, Inc. McFarland WI Midwest 427,049 26,290 62,897 1,313 15,949 106,449 33,104 112,428 PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 76,972 3,710 8,995 6,075 11,414 30,194 3,419 6,116 

Sword Financial Corporation Horicon WI Midwest 601,810 63,172 127,299 10,132 21,004 221,607 77,765 128,928 

First Bank of Charleston Inc. Charleston WV Southeast 209,086 23,426                                        ‐ 1,497                     ‐ 24,923 26,679                              

2,363       

MVB Financial Corp. Fairmont WV Southeast 1,106,316 15,650                                      ‐ 38,312                     ‐ 53,962 105,467                          

120,145