October 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 the economic 

recovery. 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 banks1and 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 June 30, 2015, 

relative to baseline levels.

2

 As of June 30, 2015, 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.

• Since inception, the total increase in small business lending reported by current and former3SBLF 

participants is $17.2 billion over baseline. 

• As of Q2 2015, current SBLF participants have increased their small business lending by $14.8 billion over a 

$30.0 billion baseline. This reflects a $625 million decrease overthe prior quarter, largely attributable to 

participants leaving the program.

4

• Increases in small business lending are widespread across SBLF participants, with 95.8 percent of participants 

having increased their small business lending over baseline levels.

• Most participants report that their small business lending increases have been substantial, with 92.7 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 374 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 5,581 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 84.7 percent overbaseline levels, 

versus a 24.0 percentmedian increase for the representative peergroupand a 21.4 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.

 

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

4

The $625 million decrease represents aggregate lending of $843million minus $1.47 billion of lending over baseline in the prior quarter by 

participants who exited the program this quarter.
2

• SBLF banks that refinanced CPP funding have increased business lending by a median of 80.5 percentsince 

their initial receipt of CPP funding from Treasury versus a 29.0 percent increase for the peer group and an

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

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

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 259 institutions that continued to participate in the program as of June 30, 2015 and submitted quarterly 

supplemental reports for the fourth quarter, including 212 community banks and 47 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 September 1, 2015, 79 institutions with aggregate investments of $1.3 billion have fully redeemed their SBLF 

securities and exited the program, and 32 institutions have partially redeemed $348 million (or 55 percent of their 

SBLF securities) though 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. 5 Banks that increase their 

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

not increase in the first two years, however, the rate increases 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 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. 

 

5

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

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. 

INCREASES IN SMALL BUSINESS LENDING OVER BASELINE LEVELS

As of June 30, 2015, the total cumulative net increase in small business lending over baseline reported by current 

SBLF participants during the course of their participation in the SBLF program is $14.8 billion, a decrease of $625 

million from the previous quarter.

6

As participants leave the program prior to the step up rate in Q1 2016, total 

lending growth by current participants will decrease. The following graph shows the aggregate increase in qualified 

small business lending reported by SBLF participants as of June 30, 2015. 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 Participants7

(Reported as of June 30, 2015)

Increases in small business lending are widespread among SBLF participants. To date, 206 of the 212 participating 

community banks (or 97 percent) and 42 of the 47 CDLFs (or 89 percent) have increased their small business lending. 

 

6

Due to redemptions totaling $1.47 billion by eight participants exiting the program, the total change was negative; however, current 

participants continued to increase lending by $843 million.

7

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 bas eline 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 $3.5 $3.0

$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 $11.9 $11.8

$3.5

$4.8 $5.2

$6.6

$7.4

$8.8 $9.0

$10.3

$11.2

$12.5 $12.4

$13.5 $14.2

$15.1 $15.4 $14.8

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

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

Q1

2015

Q2

2015

Increase in Small Business Lending over 

Baseline Level ($ in Billions)

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

Treasury’s investments in SBLF participants were made in 

Q2 and Q3 2011. Please see Appendix B for additional 

information on changes in small business lending 

following the initial SBLF investments.
4

In addition, 240 of the 259 SBLF participants (or 93 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 

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 6 participants (2.3percent) that presently report negative changes in 

small business lending, two 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 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 growth8reported by 

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

reported. 

 

8

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

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

(Reported as of June 30, 2015)

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

in qualified small business lending balances at SBLF participants. To date,the vast majority, or 96 percent, of SBLF 

participants have increased qualified small business lending, for a total of $15.1 billion in positive qualified small 

business loan growth over baseline. The remaining 4percent of SBLF participants evidenced a decrease in qualified 

small business lending balances over baseline of $300 million, such that the net of these positive and negative 

qualified small business growth balances is equal to $14.8 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. 

$4.53$5.77$6.26$7.58$8.31$9.54$9.66

$10.90

$11.68$12.71$12.69

$13.80

$14.49

$15.27

$15.44

$15.10

-$0.99-$1.02-$1.09-$0.94-$0.92-$0.79-$0.73-$0.61-$0.57-$0.22-$0.29 -$0.27-$0.21-$0.15-$0.05-$0.30

$3.5

$4.8 $5.2

$6.6 $7.4

$8.8 $8.9

$10.3$11.1

$12.5$12.4

$13.5$14.3

$15.1 $15.4$14.8

-$2

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

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

Q1

2015

Q2

2015

Aggregate Increases and Decreases in Small 

Business Lending over Baseline Level ($ in Billions)

Negative Balance Growth Positive Balance Growth
6

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 June 30, 2015)

As prescribed under the Small Business Jobs Act, SBLF rates became fixed beginning in Q3 2013, such that 

participants that 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 2013 (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 Q42013 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, 

thisled to a respective decrease of the same amount oftotal 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.

$3.5 $4.8 $5.2 $6.6 $7.4 $8.8 $9.0 $10.3 $11.2 $12.5 $12.4 $13.5 $14.3 $15.1 $15.4 $14.8

$0.0 $0.05

$0.09$0.02

$0.03

$0.22

-$0.15

$0.23

0.26 0.44

0.70 0.97 2.44

$3.5

$4.8 $5.2

$6.6 $7.5

$8.9 $9.0

$10.3

$11.4

$12.4$12.6

$13.8

$14.7

$15.8$16.4$17.2

-$2

$0

$2

$4

$6

$8

$10

$12

$14

$16

$18

$20

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

Q1

2015

Q2

2015

Current and Historical Change in Small Business 

Lending over Baseline Level ($ in Billions)

Cumulative Net Lending Balances Reported by All Redeemed Institutions through Reported Quarter

Cumulative Net Lending Balances Reported by All Current Participants through Reported Quarter
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 Baseline9

(Reported as of June 30. 2015)

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 $3.24 billion.10 As 

of June 30, 2015, the $14.8 billion increase achieved over baseline levels is approximately 4.4times greater than the 

$3.4 billion program incentive.11

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.

 

9

As a result of redemptions, the total number of SBLF institutions was 259 as of Q2 2015, 267 as of Q1 2015, 274 as of Q4 2014, 280 as of Q3 

2014, 290 as of Q2 2014, 295 as of Q1 2014, 298 a s 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.

10 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.

11 As of June 30, 2015, 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.

7 3 3 5

249

12 1 2 4

240

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 Q1 2015 Q2 2015
8

If ranked and grouped by the amount of SBLF investment outstanding, the 65 institutionsthat held $12.0 million or 

more of outstanding SBLF investment accounted for $7.3 billion of the total reported increase in small business 

lendingwith $1.6 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 June 30, 2015)

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

accounted for $10.1 billion of the grossreported increase in small business lending with $1.3 billion of SBLF funds 

outstanding. The following graph shows the change in small business lending over baseline levels across four equallysized groups of SBLF participants based on the dollar amount of their change in lending.

$1.6

$0.5 $0.3 $0.1

$7.3

$4.7

$1.7

$1.0

$0.0

$1.0

$2.0

$3.0

$4.0

$5.0

$6.0

$7.0

$8.0

First Quartile

($12.0 - $81.7 Million)

Second Quartile

($6.1 - $12.0 Million)

Third Quartile

($2.5 - $6.1 Million)

Fourth Quartile

($2.5 Million or Less)

$ Billions

Quartiles by Dollar Amount of Funds Outstanding

SBLF Funds Outstanding Change in Small Business Lending over Baseline
9

Increase in Small Business Lending by Dollar Amount of Lending Change

(Reported as of June 30, 2015)

$1.3

$0.6 $0.4 $0.2

$10.1

$3.3

$1.3

-$0.1

-$2.0

$0.0

$2.0

$4.0

$6.0

$8.0

$10.0

$12.0

First Quartile

(Over $73.0 Million)

Second Quartile

($33.4 - $73.0 Million)

Third Quartile

($10.0 - $33.4 Million)

Fourth Quartile

($10.0 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. 12 The largest institutions (defined as those

participants with more than $1.0 billion in total assets) increased small business lending by $3.5 billion while the 

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

lending by $4.4 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 June 30, 2015)

 

12 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.

$0.5 $0.6 $0.7 $0.7

$4.4

$3.7

$3.2

$3.5

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

$4.5

$5.0

$7.0 - $249 Million

(n=146)

$250 - $499 Million

(n=59)

$500 - $999 Million

(n=35)

$1.0 - $6.4 Billion

(n=19)

$ 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 Midwestreported the largest aggregate increase ($3.6billion) with one of the largershares of SBLF funds 

outstanding ($815million). 

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

six geographic regions. 13

Increase in Small Business Lending by Regional Geography

(Reported as of June 30, 2015)

 

13 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

$0.5 $0.4 $0.4

$0.2 $0.1

$3.6 $3.6

$2.6

$2.2 $2.1

$0.7

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$4.0

Midwest (n=78) Southwest

(n=38)

Southeast

(n=51)

Mid-Atlantic

(n=44)

West

(n=30)

Northeast

(n=18)

$ 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 Third Annual Lending 

Survey, the $14.8 billion aggregate increase in small business lending represents an estimated 73,400 additional loans 

to small businesses.14 The following graph shows the estimated numberof additional loans to small businesses by

regional geography.

Estimated Number of Additional Loans to Small Businesses by Regional Geography

(Reported as of June 30, 2015)

 

14 The number of additional small business loans is calculated by dividing each participant’s change in small business lending a s of September 

30, 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.

7,600 

19,400 

2,300 

20,800 

17,400 

5,900 

Southwest

(n=38)

Southeast

(n=51)

Northeast 

(n=18)

Midwest 

(n=78)

Mid-Atlantic 

(n=44)

West

(n=29)
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 374 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 5,581 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.15

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 June 30, 2015 to their baseline levels, SBLF banks increased business 

lending by a median of 84.7 percent, versus a 24 percentmedian increase for the peer group and a 21.4 percent 

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

types of lending by a median of 63.5 percent over baseline levels, versus a median increase of 16.4 percent among 

the peer group and 8.0 percent among the comparison group. The following graph shows changesin 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 June 30, 2015)

 

15 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

84.7%

63.5%

24.0%

16.4%

21.4%

8.0%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Median Change in Lending by Loan Category 

Business Lending Other Lending

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 groupsreport significant 

increases in business lending. In total, 94 percent of banks participating in SBLF have increased their business lending 

by 10 percent or more versus 64 percentfor the peer group and 60 percent forthe comparison group. 28 percent of 

the peer group and 32 percent of the comparison group have reduced business lending versus 2percent of SBLF bank

participants.

Distribution of Changes in Business Lending 

(Reported as of June 30, 2015)

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 130 percent with a standard deviation of 125 percentage points.

16

 The peer

group of non-SBLF banks increased business lending by a mean of 49 percentwith a standard deviation of 80

percentage points while the comparison group increased business lending by a mean of 37 percent with a standard 

deviation of 68 percentage points. 

 

16 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 isset 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. 

1% 2% 4% 5%

12%

78%

20%

8% 8% 9%

16%

39%

23%

8% 9% 8%

16%

36%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

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

Changesin 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 smallermedian increases. The following graph compares median changesin 

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

Changes in Business Lending by Regional Geography

(Reported as of June 30, 2015)

68%

130%

94%

87%

99%

115%

85%

27% 38%

18%

28%

22% 23% 23% 24%

32%

8%

20% 22%

33%

21%

0%

20%

40%

60%

80%

100%

120%

140%

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 June 30, 2015)

92%

84%

52%

101%

85%

23%

28%

23%

35%

24% 22% 21% 21% 26% 21%

0%

20%

40%

60%

80%

100%

120%

$7.0 - $249 Million $250 - $499

Million

$500 - $999

Million

Median Change in Business Lending over 

$1.0 - $6.4 Billion Overall

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 June 30, 2015)

78%

90%

83% 83% 85%

23% 22%

34%

28% 24%

13% 12%

29% 36%

21%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

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 ratio17, SBLF banks reported highermedian increasesin 

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 June 30, 2015)

 

17 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.

120%

87%

63% 65%

85%

37%

29% 28%

15%

24%

35%

29% 21%

0%

21%

-20%

0%

20%

40%

60%

80%

100%

120%

140%

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 99 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, institutionsthat received CPP funding and refinanced these investments reported a $7.4 billion increase in 

small business lending over baseline levels, with a median increase of 41 percent. By comparison, these institutions

would have needed to increase small business lending by at least $1.9 billion in aggregate to achieve the maximum 

program incentive (as defined previously).

To date, 97 percent of institutions that refinanced CPP investments have increased their small business lending over 

baseline levels and 92 percent have increased their small business lending by 10 percent or more. Of the 3

institutions (3percent) that report decreases in small business lending over baseline levels, one hasincreased lending 

in the period between the baseline and Treasury’s investment by the amount of $6.9 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 80.5 percent since their 

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

increased by a median of 62.5 percent since the baseline period. The peer group of non-SBLF banks reported a 

median increase in business lending of 29.0 percent since the reporting date following the CPP closings and the 

comparison group reported a median increase in business lending of 24.0 percent over the same period. Since the 

baseline period, the peer group has increased business lending by a median of 27.1 percent and the comparison 

group has increased business lending by 21.4 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 Participants18

(Reported as of June 30, 2015)

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 June 30, 2015, banks that refinanced CPP 

capital pay an average dividend or interest rate of 1.31 percent on SBLF funding, whereas other bank participants pay 

an average rate of 1.08 percent.19

 

18 For the 108 former CPP participants, the median increase in business lending reflected in th e first column is measured from the first reporting 

date after each participant received its initial CPP capital to June 30, 2015. 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 June 30, 2015 for this calculation. This calculation excludes two SBLF participants that were former CPP participants but were subsequentl y 

acquired following the receipt of SBLF funding.

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

80.5%

62.5%

29.0%

24.0% 27.1%

21.4%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Change in Business Lending Since Initial Treasury

Investment

Change in Business Lending Since Baseline

Median Change in Business 

Lending since Initial and Baseline 

Levels (%)

CPP Refinance Participants Peer Group Comparison Group
21

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
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 June 30, 2015, 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 

June 30, 2015 and the baselineperiod, 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 June 

30, 2015 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 June 30, 2015. 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 minordifferences 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 

fromthe 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. 

Measurement of Business Lending and Other Lending

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

relative to (i) a representative peer group of 374 community banks that were selected to match the specific size, 
23

geography, and financial condition of SBLF banks and (ii) a broader comparison group of all 5,581 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 forthe 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 June 30, 2015, 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 

June 30, 2015 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 June 30, 2015. 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 June 30, 2015.

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 accessiblein 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.

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

lending by SBLF banks is presented in Appendix D. 
24

Calculation of Median Changes in Lending

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

in lending. The median measure is used forthese 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) orthe weighted average(which issubject 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 213 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 5,581 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 June 30, 2015, a total of 836 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 374 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 instancesin 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. 

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 
25

acquisition of the peer, its merger into another institution, or closure. As of June 30, 2015, a total of 101

institutions have been removed from the peer group as a result of SBLF participants exiting the program and 51

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 213 374 5,581

Increase in business lending (median) 84.7% 24.0% 21.4%

Increase in other lending (median) 63.5% 16.4% 8.0%

Assets ($000s)

Median $291,296 $268,124 $145,531

Mean $542,054 $431,175 $311,348

Texas Ratio

Median 15.3% 15.7% 16.5%

Mean 17.8% 18.7% 28.5%

Region (% of institutions)

Midwest 67.9% 27.8% 23.4%

Northeast 86.5% 23.7% 26.2%

South 101.3% 21.8% 16.5%

West 103.2% 19.2% 22.2%

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.

20

 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 Dfor institution-specific reporting of small business lending by 

SBLF participants.

 

20 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 Q1 2015 Q2 2015

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 $11.9 $11.8

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 15 13

2.5 to 4.9% Increase 46 37 39 20 17 17 6 10 9 8 13 5 6 3 5

5.0 to 7.4% Increase 45 31 26 22 17 18 18 9 8 9 3 9 6 6 7

7.5 to 9.9% Increase 27 27 26 31 20 12 16 15 12 9 8 7 4 8 6

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

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 December2013 

and the methodology described in Appendix A.
28

SBLF

Banks

Peer

Group

Comparison 

Group

Number of institutions 213 372 5,573

Changes in Business and Other Lending % % %

Increase in Business Lending (median) 54.7 18.5 18.6

Increase in Other Lending (median) 49.6 16.7 11.4

Increase in Business Lending (mean) 71.2 32.3 27.3

Increase in Business Lending (standard dev.) 59.0 54.0 47.9

Institutions that Increased Business Lending by 10% or more 91.1 60.5 59.8

Institutions that Reduced Business Lending 4.2 29.0 29.4

Distribution of Changes in Business Lending

10.0% or Greater Decrease 1.9 17.5 19.7

0.1% to 9.9% Decrease 2.3 11.6 9.7

0.0% to 9.9% Increase 4.7 10.5 10.7

10.0% to 19.9% Increase 9.4 12.6 11.3

20.0% to 39.9% Increase 18.3 17.5 19.7

40.0% or Greater Increase 63.4 30.4 28.8

Changes in Business Lending by Regional Geography

Midwest 51.5 19.2 19.7

Southwest 79.7 22.3 26.7

Southeast 50.0 13.4 7.7

Mid-Atlantic 51.6 20.5 16.1

West 48.5 32.2 24.3

Northeast 58.3 11.5 19.8

Changes in Business Lending by Institution Size

$7.0 to $249 Million 55.1 17.7 18.8

$250 to $499 Million 56.6 16.5 17.0

$500 to $999 Million 41.0 18.9 19.3

$1.0 to $6.4 Billion 63.8 30.7 24.0

Changes in Business Lending by Loan Category

Commercial & Industrial 53.8 21.9 16.2

Owner-Occupied CRE 51.6 14.0 8.3

Agricultural Production 55.1 26.4 26.4

Farmland 55.5 27.3 26.3

Changes in Business Lending by Texas Ratio

Less than 10% 57.8 20.5 24.1

10.0% to 19.9% 59.1 20.5 23.0

20.0% to 29.9% 49.8 18.6 18.8

30.0% or Greater 52.7 14.4 6.8

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since SBLF Investment 50.9 18.5 18.6

Measurement of Lending by SBLF Banks, Peer Group, and Comparison Group Since Initial SBLF Investments (Q3 2011)
29

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

PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 2015 Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 100,309,000 46,721,000 

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 338,399,000 96,609,000 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 56,887,000 17,816,000 

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 105,213,000 49,005,000 

Simmons First National Corporation (Community First Bancshares, Inc.) Little Rock AR Bank 30,852,000 1,546,842,000 1,692,741,000 145,899,000 

Western Alliance Bancorporation Phoenix AZ Bank 70,500,000 2,474,640,000 2,646,870,000 172,230,000 

First Northern Community Bancorp Dixon CA Bank 12,847,000 225,762,000 295,841,000 70,079,000 

Community Valley Bank El Centro CA Bank 1,800,000 13,645,000 50,177,000 36,532,000 CU Bancorp (1st Enterprise Bank) Encino CA Bank 16,400,000 340,835,000 725,443,000 384,608,000 Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 64,849,000 18,761,000 

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA Bank 42,000,000 568,663,000 775,231,000 206,568,000 

Silvergate Capital Corporation La Jolla CA Bank 7,427,000 9,115,000 18,770,000 9,655,000 

California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 243,230,000 169,665,000 

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 67,435,000 24,161,000 

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 97,077,000 15,084,000 Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 53,494,000                          

(1,235,000) 

Bank of Commerce Holdings Redding CA Bank 20,000,000 200,059,000 266,463,000 66,404,000 

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 268,619,000 103,638,000 

Seacoast Commerce Banc Holdings (Seacoast Commerce Bank) San Diego CA Bank 4,000,000 45,347,000 102,570,000 57,223,000 

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 95,843,000 79,385,000 Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 42,290,000 6,891,000 

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 52,628,000 29,852,000 

Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 123,199,000 40,465,000 

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 44,150,000 89,252,000 45,102,000 

Stockmens Bank (The State Bank of Bartley) Colorado Springs CO Bank 2,380,000 29,743,000 48,651,000 18,908,000 

CIC Bancshares, Inc. Denver CO Bank 1,772,000 87,266,000 149,616,000 62,350,000 

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 65,000,000                          

(1,000,000) 

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 40,448,000 13,067,000 

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 208,120,000 256,375,000 48,255,000 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Bank 10,980,000 78,178,000 276,833,000 198,655,000 

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,899,000 62,822,000 27,923,000 

Community Bank Delaware Lewes DE Bank 4,500,000 32,823,000 42,642,000 9,819,000 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 215,668,000 48,921,000 

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 58,384,000 47,111,000 

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 99,383,000 73,674,000 Sunshine Bancorp, Inc. (Community Southern Bank) Lakeland FL Bank 5,700,000 71,091,000 113,993,000 42,902,000 

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 126,013,000 60,439,000 

Ovation Holdings, Inc. Naples FL Bank 5,000,000 30,742,000 51,024,000 20,282,000 

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Bank 3,367,000 14,704,000 49,410,000 34,706,000 

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 29,515,000 17,217,000 

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 101,505,000 164,898,000 63,393,000 

Resurgens Bancorp Atlanta GA Bank 2,967,000 18,065,000 27,432,000 9,367,000 United Community Banks, Inc. (Moneytree Corporation) Blairsville GA Bank 9,992,000 69,543,000 72,514,000 2,971,000 

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 11,512,000 5,569,000 

Institution

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

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 54,056,000 12,842,000 

Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,525,741,000 1,761,081,000 235,340,000 

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,844,000 126,204,000 58,360,000 

Commercial Financial Corp Storm Lake IA Bank 18,000,000 251,677,000 5,559,000                     

(246,118,000) 

D.L. EVANS BANCORP Burley ID Bank 14,891,000 380,372,000 418,693,000 38,321,000 

Southern Illinois Bancorp, Inc. Carmi IL Bank 6,750,000 93,472,000 143,607,000 50,135,000 

First Busey Corporation Champaign IL Bank 72,664,000 572,525,000 729,989,000 157,464,000 

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 330,565,000 427,158,000 96,593,000 

Illinois State Bancorp, Inc. Chicago IL Bank 10,026,000 60,188,000 84,347,000 24,159,000 

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 212,321,000 88,491,000 

Prime Banc Corp. Dieterich IL Bank 10,000,000 98,284,000 198,132,000 99,848,000 

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 117,626,000 76,314,000 

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 35,541,000 2,740,000 

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,311,000 90,245,000 32,934,000 

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 161,867,000 278,631,000 116,764,000 

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 47,486,000 32,574,000 

People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 177,278,000 47,292,000 

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 153,258,000 192,951,000 39,693,000 

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 97,202,000 18,293,000 

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 142,391,000 51,242,000 

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 58,334,000 94,926,000 36,592,000 

Horizon Bancorp Michigan City IN Bank 12,500,000 224,567,000 297,461,000 72,894,000 

AMB Financial Corp. Munster IN Bank 3,858,000 21,296,000 25,349,000 4,053,000 Your Community Bankshares Inc. (Community Bank Shares of Indiana, InNew Albany IN Bank 28,000,000 260,928,000 312,653,000 51,725,000 

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 32,996,000 9,953,000 Brotherhood Bancshares, Inc. Kansas City KS Bank 4,000,000 55,235,000 28,271,000                        

(26,964,000) 

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 159,008,000 271,958,000 112,950,000 

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,565,000 29,887,000 15,322,000 

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 38,796,000 7,605,000 Equity Bancshares, Inc. Wichita KS Bank 16,372,000 274,732,000 361,408,000 86,676,000 

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 52,983,000 22,352,000 

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 78,795,000 146,000 First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 186,883,000 228,143,000 41,260,000 

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 401,918,000 575,624,000 173,706,000 

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,272,000 166,124,000 61,852,000 

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 370,388,000 599,739,000 229,351,000 

Community Trust Financial Corporation Ruston LA Bank 48,260,000 387,778,000 763,255,000 375,477,000 

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 182,400,000 98,098,000 

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 81,008,000 50,610,000 

Island Bancorp, Inc. Edgartown MA Bank 2,000,000 23,581,000 36,317,000 12,736,000 

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 46,716,000 76,342,000 29,626,000 

StonehamBank, A Co‐operative Bank Stoneham MA Bank 6,906,500 46,880,000 117,763,000 70,883,000 Monument Bank (MD) Bethesda MD Bank 5,675,000 37,823,000 73,098,000 35,275,000 

Eagle Bancorp, Inc. Bethesda MD Bank 71,900,000 588,762,000 914,846,000 326,084,000 
Institutions Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 174,762,000 249,936,000 75,174,000 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 65,227,000 31,434,000 

Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 131,388,000 319,374,000 187,986,000 

Huron Valley Bancorp, Inc. (Huron Valley State Bank) Milford MI Bank 2,597,000 21,470,000 49,635,000 28,165,000 

Valley Financial Group, Ltd. Saginaw MI Bank 1,000,000 73,968,000 104,528,000 30,560,000 

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 449,284,000 251,085,000 MidWest Bancorporation, Inc. Eden Prairie MN Bank 1,500,000 71,952,000 118,040,000 46,088,000 

Financial Services of Winger, Inc. Fosston MN Bank 3,051,000 60,984,000 106,739,000 45,755,000 

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 24,950,000 42,047,000 17,097,000 

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 44,920,000 58,379,000 13,459,000 

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 92,130,000 39,120,000 

McLeod Bancshares, Inc. Shorewood MN Bank 4,000,000 64,344,000 53,175,000                        

(11,169,000) 

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 211,371,000 62,069,000 

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 54,252,000 7,334,000 

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 178,876,000 270,759,000 91,883,000 

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,753,000 71,465,000 40,712,000 Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 114,583,000 135,448,000 20,865,000 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 248,276,000 304,668,000 56,392,000 

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 249,729,000 383,526,000 133,797,000 

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 74,165,000 11,575,000 

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 13,856,000 10,524,000 

Premara Financial, Inc. Charlotte NC Bank 6,238,000 58,881,000 64,234,000 5,353,000 

Select Bancorp, Inc. Dunn NC Bank 7,645,000 150,180,000 200,151,000 49,971,000 

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,779,000 64,628,000 25,849,000 

Providence Bank Rocky Mount NC Bank 4,250,000 32,074,000 40,008,000 7,934,000 

First Bancorp Troy NC Bank 31,500,000 496,528,000 641,365,000 144,837,000 

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 344,071,000 290,392,000 

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 154,511,000 359,192,000 204,681,000 

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 299,876,000 495,513,000 195,637,000 

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 80,856,000 30,538,000 

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 149,493,000 209,484,000 59,991,000 

Adbanc Inc. Ogallala NE Bank 15,000,000 250,743,000 361,542,000 110,799,000 

Northway Financial, Inc. Berlin NH Bank 23,593,000 113,897,000 122,595,000 8,698,000 

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 85,451,000 23,475,000 

Lake Sunapee Bank Group (New Hampshire Thrift Bancshares, Inc.) Newport NH Bank 8,000,000 177,414,000 248,249,000 70,835,000 

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 99,201,000 23,880,000 

ConnectOne Bancorp Inc. (Center Bancorp, Inc.) Englewood Cliffs NJ Bank 11,250,000 557,777,000 645,467,000 87,690,000 

Harmony Bank Jackson NJ Bank 3,500,000 15,897,000 58,744,000 42,847,000 Regal Bank Livingston NJ Bank 7,000,000 25,872,000 38,709,000 12,837,000 

Freedom Bank Maywood NJ Bank 4,000,000 32,445,000 61,991,000 29,546,000 

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 237,946,000 30,021,000 

Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 141,955,000 49,621,000 

Two River Bancorp (Community Partners Bancorp) Tinton Falls NJ Bank 6,000,000 173,978,000 242,041,000 68,063,000 

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 108,921,000 75,022,000 
Institutions Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 

Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 26,575,000 3,299,000 

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 179,305,000 131,633,000 

Alma Bank Astoria NY Bank 19,000,000 91,798,000 309,009,000 217,211,000 

Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 49,892,000 75,412,000 25,520,000 

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 70,953,000 147,030,000 76,077,000 Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 150,464,000 91,642,000 

Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 116,163,000 149,553,000 33,390,000 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 29,671,000 37,117,000 7,446,000 

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 19,188,000 7,168,000 

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 37,266,000 61,928,000 24,662,000 

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 72,618,000 39,446,000 Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 60,969,000 40,009,000 

Central Service Corporation Enid OK Bank 2,500,000 148,029,000 232,927,000 84,898,000 

Regent Capital Corporation Nowata OK Bank 3,350,000 52,719,000 82,230,000 29,511,000 

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 101,086,000 13,780,000 

CBT Financial Corp. Clearfield PA Bank 5,000,000 64,719,000 113,556,000 48,837,000 

DNB Financial Corporation Downingtown PA Bank 3,250,000 128,649,000 148,086,000 19,437,000 

Monument Bank (PA) Doylestown PA Bank 2,970,000 19,715,000 48,082,000 28,367,000 

Covenant Bank (MileStone Bank) Doylestown PA Bank 5,100,000 46,778,000 119,763,000 72,985,000 Emclaire Financial Corp. Emlenton PA Bank 5,000,000 56,761,000 68,294,000 11,533,000 

First Resource Bank Exton PA Bank 5,083,000 32,586,000 59,824,000 27,238,000 

Centric Financial Corporation Harrisburg PA Bank 7,492,000 51,985,000 112,769,000 60,784,000 

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 181,272,000 64,588,000 

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 63,175,000 22,355,000 

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 30,149,000 71,748,000 41,599,000 Mid Penn Bancorp, Inc. (Phoenix Bancorp, Inc.) Millersburg PA Bank 1,750,000 47,153,000 234,708,000 187,555,000 

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 137,280,000 193,024,000 55,744,000 

Codorus Valley Bancorp, Inc. York PA Bank 12,000,000 173,982,000 294,126,000 120,144,000 

GrandSouth Bancorporation Greenville SC Bank 7,922,000 92,718,000 144,628,000 51,910,000 

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 74,828,000 18,249,000 

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 98,693,000 139,480,000 40,787,000 

BHCB Holding Company Rapid City SD Bank 2,000,000 34,697,000 71,192,000 36,495,000 Merchants and Planters Bancshares, Inc. Bolivar TN Bank 1,000,000 19,097,000 18,058,000                          

(1,039,000) 

CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 436,785,000 302,236,000 

Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 135,095,000 182,327,000 47,232,000 

Landmark Community Bank Collierville TN Bank 8,000,000 29,713,000 68,958,000 39,245,000 

Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 102,398,000 83,297,000 

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 86,339,000 203,036,000 116,697,000 

Sumner Bank & Trust Gallatin TN Bank 934,000 27,039,000 30,601,000 3,562,000 

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 91,124,000 29,807,000 

SmartFinancial, Inc. Knoxville TN Bank 12,000,000 37,009,000 103,598,000 66,589,000 Magna Bank Memphis TN Bank 18,350,000 66,375,000 77,559,000 11,184,000 

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 76,395,000 31,693,000 

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 81,036,000 53,524,000 
Institutions Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 

Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 52,608,000 35,952,000 

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 434,816,000 747,420,000 312,604,000 

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 65,133,000 237,656,000 172,523,000 BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 15,277,000 7,256,000 Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 245,774,000 144,855,000 Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 283,994,000 100,731,000 

Pioneer Bancshares, Inc. (Pioneer Bank, SSB) Dripping Springs TX Bank 3,004,000 33,150,000 90,644,000 57,494,000 

First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 283,417,000 145,565,000 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Bank 8,673,000 58,535,000 174,784,000 116,249,000 

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 48,779,000 8,057,000 

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 108,192,000 309,400,000 201,208,000 Independent Bank Group, Inc. (BOH Holdings, Inc.) McKinney TX Bank 23,938,350 770,748,000 1,022,467,000 251,719,000 

Vista Bancshares, Inc. (McLaughlin Bancshares, Inc.) Ralls TX Bank 6,600,000 47,152,000 93,515,000 46,363,000 

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 129,543,000 90,208,000 

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 555,425,000 152,731,000 

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 53,703,000 22,561,000 

Cache Valley Banking Company Logan UT Bank 11,670,000 218,868,000 367,658,000 148,790,000 

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 2,638,000 2,624,000 

Medallion Bank Salt Lake City UT Bank 26,303,000 233,231,000 393,855,000 160,624,000 

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 18,920,000 32,103,000 13,183,000 

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 78,195,000 9,228,000 

WashingtonFirst Bankshares, Inc. Reston VA Bank 8,898,000 217,686,000 365,189,000 147,503,000 

Citizens Community Bank South Hill VA Bank 1,000,000 38,520,000 52,930,000 14,410,000 

Puget Sound Bank Bellevue WA Bank 9,886,000 118,257,000 193,118,000 74,861,000 

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 57,910,000 18,026,000 

W.T.B. Financial Corporation Spokane WA Bank 19,571,000 878,103,000 1,204,237,000 326,134,000 

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 21,564,000 25,944,000 4,380,000 Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 371,324,000 433,896,000 62,572,000 

Sword Financial Corporation Horicon WI Bank 12,750,000 205,125,000 305,774,000 100,649,000 

First American Investment, Inc. Hudson WI Bank 1,705,710 39,254,000 44,531,000 5,277,000 

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 498,626,000 119,071,000 

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 147,681,000 9,234,000 

First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 65,519,000 120,443,000 54,924,000 

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 26,844,000 30,011,000 3,167,000 First Bank of Charleston Inc. Charleston WV Bank 3,345,000 24,923,000 30,697,000 5,774,000 

MVB Financial Corp. Fairmont WV Bank 8,500,000 70,057,000 164,822,000 94,765,000 OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 6,079,000 3,606,000 California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 8,119,000                          

(1,426,000) 

Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 85,584,000 58,989,000 

Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 34,819,000 28,884,000 

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 11,450,000 39,981,000 28,531,000 

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 9,773,000 3,669,000 

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 13,548,000 7,827,000 Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 3,056,000 2,298,000 
Institutions Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 5,453,000 565,000 

BUILDING HOPE...A CHARTER SCHOOL FACILITIES FUND Washington DC CDLF 2,091,000 23,190,000 35,493,000 12,303,000 

Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 15,140,000 12,367,000 

IFF Chicago IL CDLF 8,294,000 108,261,000 153,551,000 45,290,000 

Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 10,236,000 6,099,000 

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 13,935,000 10,484,000 

Community Health Center Capital Fund, Inc. (Capital Link, Inc.) Boston MA CDLF 198,000 1,420,000 7,669,000 6,249,000 

Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc.Holyoke MA CDLF 200,000 3,526,000 4,499,000 973,000 

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 24,866,000 13,488,000 

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 24,305,000 15,456,000 

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 31,766,000 14,126,000 Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 14,357,000 7,378,000 

Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 42,327,000                          

(1,328,000) 

Mountain BizCapital, Inc. Asheville NC CDLF 197,000 2,154,000 4,290,000 2,136,000 

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 6,265,000 4,811,000 

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 3,764,000 1,546,000 

TruFund Financial Services (Seedco Financial Services, Inc.) New York NY CDLF 2,500,000 33,651,000 31,842,000                          

(1,809,000) 

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 20,478,000                        

(12,802,000) 

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 12,589,000 9,861,000 Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 11,354,000 4,849,000 

The Progress Fund Greensburg PA CDLF 1,052,000 12,109,000 23,897,000 11,788,000 

Community First Fund Lancaster PA CDLF 862,000 11,002,000 24,388,000 13,386,000 The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 209,180,000 95,912,000 

Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 3,078,000 888,000 

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 34,215,000 15,541,000 

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,286,000 1,487,000 

South Carolina Community Loan Fund (Lowcountry Housing Trust, IncorpNorth Charleston SC CDLF 392,000 96,000 4,192,000 4,096,000 

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 11,023,000                               

(93,000) 

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 5,959,000 3,473,000 Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 14,132,000 2,374,000 CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 3,435,000 6,374,000 2,939,000 

PeopleFund Austin TX CDLF 500,000 6,412,000 10,211,000 3,799,000 

ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 3,363,000 1,961,000 

Capital Impact Partners (NCB Capital Impact) Arlington VA CDLF 8,218,000 95,578,000 150,812,000 55,234,000 

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,077,000 3,290,000 

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 48,601,000 24,493,000 

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 23,491,000 10,147,000 

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 7,857,000 3,893,000 

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 12,375,000 7,813,000 
30

APPENDIX D: INSTITUTION-SPECIFIC REPORTING ON BUSINESS LENDING BY SBLF BANKS
Community banks Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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 1,180,991 126,083 110,777 6,105 15,249 258,213 204,334 145,515 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Southeast 232,090 34,442                                         ‐ 6,394                     ‐ 40,837 44,967                             

10,878 

ServisFirst Bancshares, Inc. Birmingham AL Southeast 4,491,328 440,705 209,801 25,580 22,243 698,328 1,588,490 930,719 Southern States Bancshares, Inc. Anniston AL Southeast 334,728 18,236                                       ‐ 18,732 943 37,910 30,703 69,644 

Rock Bancshares, Inc. Little Rock AR Southeast 244,548 49,812                                         ‐ 7,116 1,804 58,732 121,837                               

1,702 

Western Alliance Bancorporation Phoenix AZ West 13,305,160 550,987 1,063,943 186 4,343 1,619,459 2,878,186 2,007,177 CU Bancorp Los Angeles CA West 2,470,515 91,889                                       ‐ 64,830                     ‐ 156,719 505,605                           

380,867       

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA West 6,428,629 553                                         ‐ 8,525                     ‐ 9,077 479,899                           

303,996       

Bank of Commerce Holdings Redding CA West 983,894 133,779 72,044 1,173 7,805 214,800 138,013 136,981 

California Bank of Commerce Lafayette CA West 472,621 60,775 13,291 390 1,632 76,087 195,537 61,343 

Capital Bank San Juan Capistrano CA West 263,321 13,838 11,346 98 295 25,575 25,244                             

72,948 

Community Valley Bank El Centro CA West 131,630 11,352                                         ‐ 2,293                     ‐ 13,645 15,211 29,529 

First Northern Community Bancorp Dixon CA West 1,002,114 88,431 116,575 30,680 22,480 258,166 114,923 115,991 

Founders Bancorp San Luis Obispo CA West 185,765 24,400                                       ‐ 11,516 2,218 38,133 18,534                             

28,240 

GBC Holdings, Inc. Los Angeles CA West 490,101 48,872                                       ‐ 64,652 468 113,992 99,285                             

93,780       

Partners Bank of California Mission Viejo CA West 132,290 40,849                                       ‐ 13,880                     ‐ 54,729 27,473                             

25,350       

ProAmérica Bank (Promérica Bank) Los Angeles CA West 189,108 18,665                                       ‐ 28,650                     ‐ 47,315 23,825                             

47,861       

Redwood Capital Bancorp Eureka CA West 304,296 16,119 28,172 120 2,899 47,311 11,399 46,112 Seacoast Commerce Bank Chula Vista CA West 463,357 12,916                                       ‐ 42,691 456 56,063 2,623                           

348,044       

Security California Bancorp Riverside CA West 657,916 112,334                                       ‐ 67,475                     ‐ 179,809 137,025 150,826 

Silvergate Capital Corporation La Jolla CA West 936,512 3,408                                         ‐ 6,233                     ‐ 9,641 11,703                             

10,243       

Summit State Bank Santa Rosa CA West 492,283 40,612 33,151 2,405 24,934 101,101 48,703 58,029 

The Bank of Santa Barbara Santa Barbara CA West 182,818 11,319                                         ‐ 9,943 1,514 22,776 21,834                             

30,843       

CIC Bancshares, Inc. Greenwood Village CO Southwest 721,859 1,433                                              ‐ 21                     ‐ 1,454 84,283                             

78,041 

Columbine Capital Corp. Buena Vista CO Southwest 377,315 22,300 16,986 221 893 40,399 41,381 47,667 

Morgan Capital Corporation Fort Morgan CO Southwest 155,511 13,330 6,289 4,169 3,950 27,738 18,576 12,961 

Verus Acquisition Group, Inc. Fort Collins CO Southwest 281,947 14,365 45,134 88 7,204 66,792 11,957                             

52,402 

Bankwell Financial Group, Inc. (BNC Financial Group, Inc.) New Canaan CT Northeast 1,208,337 3,378                                       ‐ 24,882                     ‐ 28,259 133,630                           

143,203       

Salisbury Bancorp, Inc. Lakeville CT Northeast 860,851 23,290 49,853 402 5,666 79,211 120,027 137,720 

SBT Bancorp, Inc. Simsbury CT Northeast 419,578 14,128                                       ‐ 21,168                     ‐ 35,295 29,109                             

35,652       

Community Bank Delaware Lewes DE Mid‐Atlantic 161,622 6,962 20,018 574 1,175 28,729 6,668 33,882 

Bank of Central Florida Lakeland FL Southeast 401,640 29,147                                       ‐ 27,541                     ‐ 56,688 72,588                             

52,477 

Community Southern Holdings, Inc. (Community Southern Bank) Lakeland FL Southeast ‐ 13,773 15,059 813 115                     ‐ 29,759                   ‐                                   

      

FineMark Holdings, Inc. Fort Myers FL Southeast 963,656 12,141 15,375                     ‐ 112 27,628 42,435 56,545 Florida Business BancGroup, Inc. Tampa FL Southeast 573,247 41,885                                       ‐ 46,924                     ‐ 88,809 64,142                           

107,160 

HomeBancorp, Inc. Tampa FL Southeast 934,949 3,043                                       ‐ 10,343                     ‐ 13,385 7,652                             

23,527       

Jefferson Bankshares, Inc. (Jefferson Bank of Florida) Oldsmar FL Southeast 229,611 9,021                                         ‐ 4,870                     ‐ 13,891 20,463                             

29,215       

Marquis Bank Coral Gables FL Southeast 305,071 1,427                                         ‐ 9,846                     ‐ 11,273 26,092                             

46,621       

Ovation Holdings, Inc. Naples FL Southeast 346,689 1,684                                         ‐ 8,013                     ‐ 9,698 8,428                             

44,497 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Southeast 545,511 57,110 95,349 222 10,816 163,496 100,814 120,183 

Lowndes Bancshares, Inc. Valdosta GA Southeast 227,044 10,135                                       ‐ 38,874                     ‐ 49,009 16,662 31,053 

Resurgens Bancorp Atlanta GA Southeast 127,807 8,251                                         ‐ 4,870 1,965 15,086 12,679                             

16,163       

The Peoples Bank of Talbotton Talbotton GA Southeast 49,273 647                                         ‐ 3,191 2,106 5,943 4,141 3,620 

Commercial Financial Corp Storm Lake IA Midwest 667,254 128,275 39,538 38,076 22,656 228,545 140,749 64,722 

Heartland Financial USA, Inc. Dubuque IA Midwest 6,848,022 506,645 531,185 98,111 214,759 1,350,700 1,097,840 804,950 

Liberty Financial Services, Inc. Sioux City IA Midwest 321,813 36,186 17,912 4,466 5,574 64,138 51,799 34,958 D. L. Evans Bancorp Burley ID West 1,174,817 69,464 158,111 107,881 60,654 396,108 108,190 174,957 

Bancorp Financial, Inc. Oak Brook IL Midwest 633,866 5,790                                         ‐ 9,122                     ‐ 14,912 33,742                             

13,293       

Community Illinois Corporation Rock Falls IL Midwest 249,023 29,250 10,821 16,703 22,134 78,909 28,768 17,066 

First Bankers Trustshares, Inc. Quincy IL Midwest 851,436 34,554 53,147 20,504 20,851 129,056 38,315 82,292 

First Busey Corporation Champaign IL Midwest 3,821,600 313,814 356,714 38,356 57,626 766,509 353,678 370,956 

First Community Financial Corporation Elgin IL Midwest 168,664 6,337                                       ‐ 26,075 582 32,993 8,196                             

25,881 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 302,185                   ‐ 7,789 7,887 25,857 41,533 34,318 11,186 

Illinois State Bancorp, Inc. Chicago IL Midwest 395,902 21,057                                       ‐ 38,971 160 60,188 15,931                             

61,409 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 218,321 35,038                                       ‐ 20,722                     ‐ 55,760 65,840                             

24,749       

People First Bancshares, Inc. Pana IL Midwest 370,955 48,975 9,408 48,716 13,254 120,352 54,100 41,656 

Prime Banc Corp. Dieterich IL Midwest 585,295 21,310 6,268 9,480 22,344 59,401 51,613 97,535 

Signature Bancorporation, Inc. Chicago IL Midwest 580,108 88,196                                       ‐ 37,019                     ‐ 125,214 196,644                             

60,108 

Southern Illinois Bancorp, Inc. Carmi IL Midwest 409,567 37,465 17,420 18,888 21,392 95,164 51,511 34,952 

Town and Country Financial Corporation Springfield IL Midwest 514,958 34,830 59,359 6,536 5,550 106,274 50,090 101,877 

Tri‐County Financial Group, Inc. Mendota IL Midwest 846,737 23,912 24,883 30,134 35,679 114,608 69,177 70,818 

United Community Bancorp, Inc. Chatham IL Midwest 1,768,086 211,038 155,561 57,598 92,821 517,019 159,701 172,126 

AMB Financial Corp. Munster IN Midwest 186,140 7,638                                       ‐ 14,191                     ‐ 21,829 8,533                             

18,221 

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 1,585,077 87,840 88,791 690 4,709 182,030 141,750 156,932 

First Savings Financial Group, Inc. Clarksville IN Midwest 724,857 26,351                                       ‐ 39,403                     ‐ 65,754 25,952 59,187 

Horizon Bancorp Michigan City IN Midwest 2,213,530 63,712 84,200 3,279 7,424 158,615 129,863 180,660 

Bern Bancshares, Inc. Bern KS Midwest 88,129 4,671 46 14,941 3,145 22,803 3,952 504 

Brotherhood Bancshares, Inc. Kansas City KS Midwest 537,272 42,681                                       ‐ 28,067 3,673 74,420 78,026                               

6,868 

Equity Bancshares, Inc. Wichita KS Midwest 1,353,759 72,242 44,546 7,028 5,075 128,891 209,150 136,835 

Freedom Bancshares, Inc. Overland Park KS Midwest 156,727 17,081                                       ‐ 18,667                     ‐ 35,748 26,282                             

19,881       

Osborne Investments, Inc. Osborne KS Midwest 58,876 1,549 451 9,025 4,697 15,722 3,500 1,791 

UBT Bancshares, Inc. Marysville KS Midwest 595,845 41,004 27,943 44,044 63,137 176,128 42,085 22,641 FCB Bancorp, Inc. Louisville KY Midwest 498,961 27,761                                       ‐ 54,823 56 82,640 13,080                             

62,274 

Magnolia Bancshares Inc. Hodgenville KY Midwest 173,580 6,246 10,176 2,066 14,930 33,419 11,265 21,552 

Institution

Region Total Assets

Baseline Lending

Baseline

Business Lending

Q2 2015
Community banks Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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

Q2 2015

Community Trust Financial Corporation Ruston LA Southwest 3,810,829 294,044 150,315 1,480 24,990 470,828 1,264,486 327,726 

First Guaranty Bancshares, Inc. Hammond LA Southwest 1,506,199 85,481 82,769 17,727 12,111 198,087 220,379 135,517 

First NBC Bank Holding Company New Orleans LA Southwest 4,118,108 288,580                                    ‐ 212,783 261 501,625 1,115,360                           

443,825 

MidSouth Bancorp, Inc. Lafayette LA Southwest 1,946,166 185,803 126,929 6,367 3,019 322,119 459,216 250,105 

Progressive Bancorp, Inc. Monroe LA Southwest 511,954 54,604 42,050 1,671 7,976 106,300 65,920 41,463 

Island Bancorp, Inc. Edgartown MA Northeast 177,232 2,672                                       ‐ 20,909                     ‐ 23,581 7,514                             

28,850       

Leader Bancorp, Inc. Arlington MA Northeast 984,231 7,075                                       ‐ 24,647                     ‐ 31,722 26,403                             

82,769       

New England Bancorp, Inc. Hyannis MA Northeast 249,500 9,707                                       ‐ 19,019                     ‐ 28,726 33,657                             

46,371       

Provident Bancorp, Inc. Amesbury MA Northeast 706,360 17,487                                       ‐ 70,118 93 87,697 98,031                           

114,229 

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 494,505 22,466                                       ‐ 24,415                     ‐ 46,880 50,970                             

66,793       

Eagle Bancorp, Inc. Bethesda MD Mid‐Atlantic 5,728,647 325,046                                    ‐ 122,093                     ‐ 447,140 970,176                           

516,754 

Howard Bancorp, Inc. Ellicott City MD Mid‐Atlantic 746,741 91,705                                       ‐ 41,681 794 134,180 137,905 108,166 

Monument Bank Bethesda MD Mid‐Atlantic 486,385 20,990                                       ‐ 12,522 576 34,088 45,859                             

28,819 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 227,843 15,987                                       ‐ 17,807                     ‐ 33,793 31,449                             

37,080       

Crestmark Bancorp, Inc. Troy MI Midwest 743,732 153,006                                         ‐ 1,470                     ‐ 154,475 457,970                                  

751       

Huron Valley State Bank Milford MI Midwest 106,519 5,648                                       ‐ 16,506 191 22,345 13,690                             

38,402 

Level One Bancorp, Inc. Farmington Hills MI Midwest 881,779 39,110                                       ‐ 24,606                     ‐ 63,716 227,573                           

123,336       

Valley Financial Group, Ltd. Saginaw MI Midwest 205,341 38,248                                       ‐ 36,190 90 74,528 61,544                             

45,049 

Financial Services of Winger, Inc. Fosston MN Midwest 170,597 19,628 7,190 25,894 21,040 73,751 25,712 20,712 

Heritage Bancshares Group, Inc. Willmar MN Midwest 398,199 59,801 32,540 48,486 28,555 169,382 74,532 36,923 

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 73,871 4,668 9,381 3,475 7,114 24,637 10,731 22,659 

McLeod Bancshares, Inc. Shorewood MN Midwest 410,032 23,330 3,763 5,618 2,780 35,490 19,665 23,155 

MidWest Bancorporation, Inc. Eden Prairie MN Midwest 238,230 35,697                                       ‐ 18,909                     ‐ 54,606 21,146 11,910 

Platinum Bancorp, Inc. Oakdale MN Midwest 185,116 19,145                                       ‐ 27,015 573 46,733 30,451                             

29,113 

Redwood Financial, Inc. Redwood Falls MN Midwest 237,785 24,855                                       ‐ 31,378                     ‐ 56,233 34,833 21,345 

Cardinal Bancorp II, Inc. Washington MO Midwest 296,991 34,752 29,431 190 5,482 69,855 41,212 33,595 

Fortune Financial Corporation Arnold MO Midwest 152,836 24,461                                       ‐ 23,534 370 48,366 31,778                             

23,412       

Great Southern Bancorp, Inc. Springfield MO Midwest 4,111,821 138,613 136,926 4,079 21,896 301,514 310,228 167,750 

Liberty Bancorp, Inc. Liberty MO Midwest 442,431 23,445                                       ‐ 53,499                     ‐ 76,944 62,948 70,186 Security State Bancshares, Inc. Charleston MO Midwest 711,355 56,094 57,781 30,314 49,925 194,113 45,471 68,766 Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 1,293,259 71,715 87,689 29,586 31,048 220,038 110,944 129,295 

Triad Bancorp, Inc. Frontenac MO Midwest 258,949 15,530                                       ‐ 16,895 820 33,245 38,196                             

47,315 

Bancorp of Montana Holding Company Missoula MT West 53,247 1,208                                         ‐ 1,994 444 3,646 6,584                               

6,171 

First Bancorp Troy NC Southeast 3,212,256 140,198 279,520 7,734 36,485 463,938 122,975 438,805 

Live Oak Bancshares, Inc. Wilmington NC Southeast 844,760 27,794                                       ‐ 73,668                     ‐ 101,462 166,584                           

228,117 

Premara Financial, Inc. Charlotte NC Southeast 232,237 15,263                                       ‐ 23,523                     ‐ 38,786 27,110                             

47,501 

Providence Bank Rocky Mount NC Southeast 236,091 14,547 12,644 780 826 28,797 16,810 20,726 

Select Bancorp, Inc. Dunn NC Southeast 741,846 67,810 104,974 4,486 9,786 187,056 60,544 116,988 

Union Bank & Trust Company Oxford NC Southeast 262,067 19,991 15,549 10 3,112 38,662 25,992 28,061 

Alerus Financial Corporation Grand Forks ND Midwest 1,557,062 180,756 65,037 33,489 10,852 290,134 404,554 132,792 

Western State Agency, Inc. Devils Lake ND Midwest 768,693 97,220 32,153 14,569 6,955 150,896 296,434 23,230 

Adbanc Inc. Ogallala NE Midwest 647,977 69,479 59,439 77,060 51,676 257,654 71,421 68,005 

Banner County Ban Corporation Harrisburg NE Midwest 114,336 8,633 2,981 30,815 15,368 57,797 10,723 11,770 

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 432,664 40,835 24,786 25,570 36,985 128,176 44,185 37,538 

Stockmens Bank Colorado Springs CO Southwest 91,112 13,050 4,465 8,672 2,035 28,221 18,233 9,501 

First Colebrook Bancorp, Inc. Colebrook NH Northeast 262,453 25,654 42,281 569 82 68,585 38,678 50,098 

Guaranty Bancorp, Inc. Woodsville NH Northeast 418,596 37,136 48,710 454 1,988 88,288 41,786 59,475 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,510,096 57,064                                       ‐ 80,606                     ‐ 137,670 65,258 190,997 

Northway Financial, Inc. Berlin NH Northeast 932,335 44,870                                       ‐ 67,422                     ‐ 112,292 63,099                             

58,104       

ConnectOne Bancorp, Inc. Englewood Cliffs NJ Mid‐Atlantic 3,657,207 19,511                                       ‐ 83,294                     ‐ 102,806 419,640                           

244,486       

Crest Savings Bancorp, Inc. Wildwood NJ Mid‐Atlantic 419,391 3,201                                       ‐ 17,693                     ‐ 20,894 4,351                             

22,224       

Freedom Bank Oradell NJ Mid‐Atlantic 283,969 14,905                                       ‐ 17,540                     ‐ 32,445 17,257                             

43,380       

Harmony Bank Jackson Township NJ Mid‐Atlantic 272,331 929                                         ‐ 9,059 1,000 10,988 12,749                             

48,790 

Highlands Bancorp, Inc. Vernon NJ Mid‐Atlantic 299,210 16,612                                       ‐ 17,780 777 35,168 39,857                             

67,443 

Hopewell Valley Community Bank Pennington NJ Mid‐Atlantic 495,016 9,885                                       ‐ 76,725 876 87,485 22,393                           

125,788 

Regal Bank Livingston NJ Mid‐Atlantic 373,147 1,682                                       ‐ 24,190                     ‐ 25,872 3,314                             

35,395       

Stewardship Financial Corporation Midland Park NJ Mid‐Atlantic 699,841 48,805                                    ‐ 156,337 1,053 206,195 26,048                           

191,788 

Two River Bancorp (Community Partners Bancorp) Middletown NJ Mid‐Atlantic 844,241 48,487                                    ‐ 135,572 204 184,262 44,335                           

211,872 

Meadows Bank Las Vegas NV West 484,533 29,330                                       ‐ 21,164                     ‐ 50,495 140,508                             

84,744       

Alma Bank Astoria NY Mid‐Atlantic 1,026,158 66,760                                       ‐ 25,038                     ‐ 91,798 163,692                           

225,623       

Catskill Hudson Bancorp, Inc. Rock Hill NY Mid‐Atlantic 407,832 42,715 54,456 277 1,075 98,522 48,022 92,479 

Greater Rochester Bancorp, Inc. Rochester NY Mid‐Atlantic 432,076 43,466                                       ‐ 17,134 1,736 62,336 111,375                             

55,313 

Kinderhook Bank Corp. Kinderhook NY Mid‐Atlantic 386,148 18,911 19,028 58 2,330 40,328 31,595 46,240 

Pathfinder Bancorp, Inc. Oswego NY Mid‐Atlantic 698,629 25,983                                       ‐ 48,698 786 75,467 47,390 100,139 Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Mid‐Atlantic 278,912 6,963                                         ‐ 9,127                     ‐ 16,090 17,308 15,296 

Columbus First Bancorp, Inc Worthington OH Midwest 294,026 19,279                                       ‐ 15,132                     ‐ 34,411 29,009                             

36,361 

Community Independent Bancorp Inc. West Salem OH Midwest 95,981 2,587 5,795 133 3,505 12,020 2,908 8,595 

AmeriBank Holding Company Collinsville OK Southwest 219,838 19,843 9,416 1,590 2,324 33,172 42,140 14,913 

Central Service Corporation Enid OK Southwest 583,658 43,994 23,240 43,232 38,675 149,140 93,226 34,125 

Prime Bank Group Edmond OK Southwest 217,148 7,722 10,116 53 1,742 19,632 33,611 24,950 

Regent Capital Corporation Nowata OK Southwest 212,508 24,582 17,779 3,616 9,416 55,394 41,874 33,773 

AmeriServ Financial, Inc. Johnstown PA Mid‐Atlantic 1,082,819 92,509                                       ‐ 62,972 178 155,659 133,179 92,629 

CBT Financial Corp. Clearfield PA Mid‐Atlantic 431,849 34,922 32,578 1,037 6,580 75,117 46,358 33,828 

Centric Financial Corporation Harrisburg PA Mid‐Atlantic 328,747 16,476 31,487 193 1,397 49,553 48,379 62,145 
Community banks Participating in SBLF

Report on Information from 6/30/2015 Quarterly Supplemental Reports transmitted with October 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

Q2 2015

Codorus Valley Bancorp, Inc. York PA Mid‐Atlantic 1,369,410 46,618 104,503 1,653 24,703 177,476 119,698 154,379 

DNB Financial Corporation Downingtown PA Mid‐Atlantic 756,112 38,960                                       ‐ 73,668 10,878 123,505 42,243                           

115,830 

Emclaire Financial Corp. Emlenton PA Mid‐Atlantic 597,667 33,244                                       ‐ 25,924                     ‐ 59,168 53,490 23,170 

Enterprise Financial Services Group, Inc. Allison Park PA Mid‐Atlantic 250,075 37,394                                       ‐ 75,423 424 113,241 34,382                           

100,654 

First Resource Bank Exton PA Mid‐Atlantic 193,180 11,395                                       ‐ 19,652 1,119 32,165 17,347                             

41,013 

Jonestown Bank and Trust Company Jonestown PA Mid‐Atlantic 453,839 6,880 29,539 11 4,390 40,820 17,351 39,401 

MileStone Bank Doylestown PA Mid‐Atlantic 237,704 17,161                                       ‐ 29,937                     ‐ 47,098 65,609                             

62,545 

Monument Bank Doylestown PA Mid‐Atlantic 251,929 1,478                                       ‐ 17,409 828 19,715 1,519                             

45,328 

Penn Liberty Financial Corp. Wayne PA Mid‐Atlantic 639,176 58,496                                       ‐ 84,723                     ‐ 143,218 87,911                           

116,926       

Mid Bank Bancorp, Inc. Millersburg PA Mid‐Atlantic 898,735 65,191 6,588 4 6,584 78,368 122,021                           

114,404 

The Victory Bancorp, Inc. Limerick PA Mid‐Atlantic 164,896 13,913                                         ‐ 8,245 1,757 23,916 34,228                             

36,329 

Carolina Alliance Bank Spartanburg SC Southeast 432,746 29,943                                       ‐ 34,965 830 65,737 46,287                             

90,700 

GrandSouth Bancorporation Greenville SC Southeast 403,656 49,299 43,148 114 3,454 96,015 87,704 43,748 

TCB Corporation Greenwood SC Southeast 337,177 16,375                                       ‐ 40,863 1,056 58,294 15,779                             

55,833 

BHCB Holding Company Rapid City SD Midwest 166,650 11,260 16,312 1,696 1,627 30,895 22,547 45,370 

CapitalMark Bank & Trust Chattanooga TN Southeast 1,048,910 88,680                                       ‐ 45,869                     ‐ 134,549 221,140                           

218,563 

Carroll Financial Services, Inc. Huntingdon TN Southeast 270,919 7,921 34,549 4,141 14,441 61,052 12,931 47,163 

Community First Bancshares, Inc. Union City TN Southeast 1,900,083 102,278 165,597 16,329 35,772 319,976 123,193 161,361 

Evolve Bancorp, Inc. Cordova TN Southeast 376,468 8,239 5,161 2,211 3,490 19,101 46,791 55,634 

Franklin Financial Network, Inc. Franklin TN Southeast 1,766,616 10,261 9,123 823 149 20,356 146,374 79,610 

Independent Holdings, Inc. Memphis TN Southeast 934,042 39,655                                       ‐ 11,109 1,474 52,238 71,543                             

31,026 

InsCorp, Inc. Nashville TN Southeast 297,046 11,667                                         ‐ 8,603 765 21,034 58,639                             

21,474 

Landmark Community Bank Collierville TN Southeast 752,961 17,728 11,183 94 263 29,268 42,852                             

22,473 

Magna Bank Memphis TN Southeast 587,884 24,492                                       ‐ 17,032                     ‐ 41,524 78,471 27,681 Merchants and Planters Bancshares, Inc. Bolivar TN Southeast 83,715 5,479 10,527 361 2,730 19,097 2,837 9,732 

United Community Banks, Inc. Blairsville GA Southeast 7,867,212 346,854 962,962 1,213 47,079 1,358,107 703,657 1,226,524 

Planters Financial Group, Inc. Clarksville TN Southeast 884,470 59,970 67,388 12,733 34,238 174,327 74,345 83,443 

SmartFinancial, Inc. Pigeon Forge TN Southeast 543,544 21,736                                       ‐ 14,293 1,139 37,167 37,507                             

81,564 

Sumner Bank & Trust Gallatin TN Southeast 159,831 12,075 15,701 43 694 28,512 11,343 19,158 

AIM Bancshares, Inc. Levelland TX Southwest 795,300 39,299 14,585 13,262 6,874 74,020 166,441 75,046 

BMC Bancshares, Inc. Dallas TX Southwest 80,951 765 2,514 825 223 4,326 1,622 16,097       

Independent Bank Group, Inc. McKinney TX Southwest 4,370,665 82,574 177,239 13,025 12,039 284,877 612,933 721,089 

FB BanCorp San Antonio TX Southwest 719,033 99,765                                         ‐ 2,480                     ‐ 102,244 41,874 1,453       

First Texas BHC, Inc. Fort Worth TX Southwest 1,638,181 85,806 71,371 110 2,229 159,515 242,008 154,343 

Frontier Bancshares, Inc. Austin TX Southwest 581,051 25,056 29,742 851 6,814 62,462 108,353 129,324 

Happy Bancshares, Inc. Amarillo TX Southwest 2,651,075 201,680 93,384 130,663 51,686 477,414 423,664 189,469 

Joaquin Bankshares Inc. Huntington TX Southwest 117,209 14,762 13,696 1,602 13,014 43,074 20,871 13,826 

Liberty Capital Bancshares, Inc. Addison TX Southwest 167,611 9,008                                         ‐ 5,927 1,722 16,657 31,142                             

18,133 

McLaughlin Bancshares, Inc. Ralls TX Southwest 290,750 18,912 4,166 29,426 3,706 56,210 42,138 14,424 

Pioneer Bank, SSB Drippings Springs TX Southwest 408,963 7,439                                         ‐ 8,987 1,142 17,568 31,606 49,916 

Sovereign Bancshares, Inc. Dallas TX Southwest 1,118,392 196,282                                       ‐ 22,060 918 219,260 324,910                           

107,519 

Steele Holdings, Inc. Tyler TX Southwest 266,867 14,649 15,060 427 1,007 31,142 27,256 24,610 

The ANB Corporation Terrell TX Southwest 2,593,926 142,877 265,405 6,732 22,473 437,487 153,945 460,676 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Southwest 391,310 33,954                                       ‐ 30,443                     ‐ 64,397 101,478 84,620 

Veritex Holdings, Inc. Dallas TX Southwest 822,629 24,303                                       ‐ 14,187 1,151 39,641 201,712                             

84,572 

Cache Valley Banking Company Logan UT Southwest 854,932 33,786 39,918 9,516 16,242 99,462 93,958 198,492 LCA Bank Corporation Park City UT Southwest 133,956                      ‐ 136                                             ‐                     ‐ 136               ‐ 3,503                                   

      

Medallion Bank Salt Lake City UT Southwest 1,004,628               ‐ 234,859                                             ‐                     ‐ 234,859           ‐ 389,723                                   

      

Blue Ridge Bankshares, Inc. Luray VA Southeast 247,466 4,225 15,593 159 2,442 22,419 14,862 21,863 

Citizens Community Bank South Hill VA Southeast 170,236 18,419 16,605 251 3,246 38,520 14,227 29,270 

Heritage Bankshares, Inc. Norfolk VA Southeast 323,637 29,431                                       ‐ 36,330                     ‐ 65,761 25,362                             

52,827       

WashingtonFirst Bankshares, Inc. Reston VA Southeast 1,523,485 60,171 13,644 117 3,240 77,172 149,944                           

211,825 

Puget Sound Bank Bellevue WA West 425,143 49,945                                       ‐ 28,866                     ‐ 78,810 127,267                             

74,504 

U&I Financial Corp Lynnwood WA West 237,055 8,950                                       ‐ 34,994                     ‐ 43,943 14,994                             

54,046       

W.T.B. Financial Corporation Spokane WA West 4,838,057 726,366 358,143 80,131 37,049 1,201,688 980,649 503,412 

County Bancorp, Inc. Manitowoc WI Midwest 780,618 44,238 63,411 118,072 171,649 397,369 49,497 76,693 

Deerfield Financial Corporation Deerfield WI Midwest 124,210 15,306 116 4,065 1,820 21,306 7,155 9,114 

First American Investment, Inc. Hudson WI Midwest 163,109 4,014 15,043                     ‐ 163 19,220 20,503 28,836 

First Menasha Bancshares, Inc. Neenah WI Midwest 423,514 51,762 29,044 6 519 81,331 79,393 55,812 

Nicolet Bankshares, Inc. Green Bay WI Midwest 1,169,656 129,397 137,477 41 2,935 269,850 274,790 175,808 

Northern Bankshares, Inc. McFarland WI Midwest 428,173 26,290 62,897 1,313 15,949 106,449 33,992 101,592 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 79,208 3,710 8,995 6,075 11,414 30,194 4,209 5,502 

Sword Financial Corporation Horicon WI Midwest 598,041 63,172 127,299 10,132 21,004 221,607 83,550 132,158 

First Bank of Charleston Inc. Charleston WV Southeast 206,762 23,426                                         ‐ 1,497                     ‐ 24,923 26,246                               

3,762       

MVB Financial Corp. Fairmont WV Southeast 1,250,485 15,650                                       ‐ 38,312                     ‐ 53,962 133,892                           

149,686