1 

Fourth Quarter 2011

Use of Funds Report

Report to Congress submitted pursuant to Section 4106(3)  

of the Small Business Jobs Act of 2010

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 (SBJA), the Small Business

Lending Fund (SBLF) is a dedicated fund that provided capital to qualified community banks1 and

community development loan funds (CDLFs) in order to encourage small business lending.

The SBLF provided more than $4 billion through Treasury purchases of preferred stock or debt

instruments from 332 institutions.  In lending plans submitted with their applications, these institutions

projected that they would increase their small business lending over baseline levels by $9.3 billion in the

next two years. 2

As of September 30, 2011, institutions participating in SBLF have made important progress in increasing

their small business lending, helping to support small businesses and local economies across the nation:

 In total, SBLF participants have increased their small business lending by $3.5 billion over a

$35.9 billion baseline.

 Increases in small business lending are widespread across SBLF participants, with 78 percent

of participants having already increased their small business lending over baseline levels.

 A substantial majority of SBLF participants — more than 60 percent of participants — have

now increased their small business lending by 10 percent or more.

Background

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

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

the funds they received under the program.   

 

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 SBJA, the baseline for measuring the change in small business lending is the average of the

amount that was reported for each of the four calendar quarters ended June 30, 2010.  The SBJA defines “small

business lending” as business loans that are (a) $10 million or less in amount to businesses with $50 million or less

in revenue and (b) included in one of the following categories: (i) commercial and industrial loans, (ii) owner‐

occupied nonfarm, nonresidential real estate loans, (iii) loans to finance agricultural production and other loans to

farmers, and (iv) loans secured by farmland.
 

2 

All SBLF investments were completed in 2011, between June 21 and September 27.  This report focuses

on the change in small business lending reported3 by each participating institution between the baseline

and September 30, 2011.

Treasury invested in 332 institutions through the SBLF program, including $3.9 billion in 281 community

banks and $104 million in 51 CDLFs.

Community Banks 281                              $3,923,424,880

Community Development Loan Funds (CDLFs) 51                                 $104,279,000

Total 332                              $4,027,703,880

SBLF Participants Number of

Participants

Amount Invested

The SBLF 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 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,4 and the rate falls to 1 percent if a bank’s small business lending increases by 10

percent or more.  Banks that increase their lending by 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 is structured to encourage small business lending through access to low‐cost

capital at 2 percent interest. 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 ranging from offering microloans to entrepreneurs, providing mezzanine debt to

growing small businesses, and financing community facilities like charter schools and health

clinics.

Increases in Small Business Lending Over Baseline Levels

As of the end of the third quarter of 2011, SBLF participants have increased their small business lending

by $3.5 billion over their aggregate baseline.

Community bank participants increased their small business lending by $3.4 billion over a $35.1 billion

baseline (or 9.8 percent), and CDLFs increased their small business lending by $86.8 million over a

$785.2 million baseline (or 11.1 percent).  To date, of the 332 institutions participating in the SBLF, 259

(or 78 percent) have increased their small business lending over baseline levels.  The following table

 

3 Participating banks and CDLFs report changes in small business lending to Treasury on quarterly supplemental

reports. This use of funds report includes information from the supplemental reports as of September 30, 2011. 4

These rates apply to C corporation participants. 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 

shows the aggregate increase in qualified small business lending reported by SBLF participants at the

end of the third quarter of 2011.

Increases in small business lending are widespread among SBLF participants.  To date, 218 of the 281

participating community banks (or 78 percent) and 41 of the 51 CDLFs (or 80 percent) have increased

their small business lending.

In addition, a substantial majority of SBLF participants — more than 60 percent of participants — have

now increased their small business lending by 10 percent or more.  Nineteen additional institutions have

now increased lending by more than 10 percent in the third quarter.  The following graph charts

quarter‐over‐quarter changes in the number of participants in five categories of small business loan

growth.

SBLF Participants Reporting Increases in Small Business Lending over Baseline

(Reported as of 2Q 2011 and 3Q 2011)

Attachment

Institution‐specific reporting for both banks and CDLFs is attached to this report.

or reduced
Community Banks Participating in SBLF

Report on Information from 9/30/2011 Quarterly Supplemental Reports transmitted with 4Q 2011 Use of Funds Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

1st Enterprise Bank Los Angeles CA 16,400,000 88,154,000 159,553,000 71,399,000 

Adbanc, Inc. Ogallala NE 21,905,000 250,743,000 271,776,000 21,033,000 

AIM Bancshares, Inc. Levelland TX 9,100,000 73,188,000 113,023,000 39,835,000 Alerus Financial Corporation Grand Forks ND 20,000,000 280,617,000 322,852,000 42,235,000 Algodon de Calidad Bancshares, Inc. Abilene TX 600,000 6,159,000 5,644,000 (515,000) 

Alma Bank Astoria NY 19,000,000 91,798,000 235,162,000 143,364,000 

AMB Financial Corp. Munster IN 3,858,000 21,278,000 21,661,000 383,000 

AmeriBank Holding Company Collinsville OK 5,347,000 33,172,000 37,876,000 4,704,000 

AmeriServ Financial, Inc. Johnstown PA 21,000,000 116,684,000 111,014,000 (5,670,000) 

Avenue Financial Holdings, Inc. Nashville TN 18,950,000 74,788,000 102,138,000 27,350,000 

BancIndependent, Incorporated Sheffield AL 30,000,000 277,727,000 308,292,000 30,565,000 

Bancorp Financial, Inc. Oak Brook IL 14,643,000 14,912,000 15,896,000 984,000 

Bancorp of Montana Holding Company Missoula MT 1,460,000 2,251,000 3,383,000 1,132,000 

Bank of Central Florida Lakeland FL 7,000,000 64,474,000 78,761,000 14,287,000 Bank of Commerce Holdings Redding CA 20,000,000 200,059,000 212,781,000 12,722,000 

BankFirst Capital Corporation Macon MS 20,000,000 180,864,000 176,267,000 (4,597,000) 

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

Banner County Ban Corporation Harrisburg NE 2,427,000 50,318,000 63,443,000 13,125,000 

Bern Bancshares, Inc. Bern KS 1,500,000 23,043,000 24,412,000 1,369,000 

BHCB Holding Company Rapid City SD 2,000,000 30,894,000 43,299,000 12,405,000 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI 4,621,000 33,793,000 38,730,000 4,937,000 

Blue Ridge Bankshares, Inc. Luray VA 4,500,000 15,558,000 15,045,000 (513,000) 

BMC Bancshares, Inc. Dallas TX 1,206,000 6,992,000 7,768,000 776,000 

BNC Financial Group, Inc. New Canaan CT 10,980,000 28,259,000 85,710,000 57,451,000 

BOH Holdings, Inc. Houston TX 23,938,350 191,161,000 256,526,000 65,365,000 

Brotherhood Bancshares, Inc. Kansas City KS 16,000,000 55,235,000 47,651,000 (7,584,000) 

Broward Financial Holdings, Inc. Fort Lauderdale FL 3,134,000 14,233,000 24,475,000 10,242,000 

Cache Valley Banking Company Logan UT 11,670,000 97,466,000 124,529,000 27,063,000 

California Bank of Commerce Lafayette CA 11,000,000 73,565,000 118,879,000 45,314,000 

Capital Bank San Juan Capistrano CA 3,132,000 16,458,000 31,119,000 14,661,000 

CapitalMark Bank & Trust Chattanooga TN 18,212,000 134,549,000 154,695,000 20,146,000 Cardinal Bancorp II, Inc. Washington MO 6,251,000 62,590,000 69,228,000 6,638,000 

Carolina Alliance Bank Spartanburg SC 5,000,000 65,737,000 81,671,000 15,934,000 

Carroll Financial Services, Inc. Huntingdon TN 3,000,000 61,317,000 71,729,000 10,412,000 

Catskill Hudson Bancorp, Inc. Rock Hill NY 9,681,000 98,522,000 120,189,000 21,667,000 

CB Bancshares Corp. Weir KS 190,000 1,203,000 1,646,000 443,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

CBOS Bankshares, Inc. Merritt Island FL 3,893,000 50,777,000 35,835,000 (14,942,000) 

CBT Financial Corp. Clearfield PA 10,000,000 64,719,000 84,707,000 19,988,000 

Center Bancorp, Inc. Union NJ 11,250,000 219,941,000 210,209,000 (9,732,000) 

Central Bancorp, Inc. Somerville MA 10,000,000 41,313,000 31,083,000 (10,230,000) 

Central Service Corporation Enid OK 7,000,000 148,110,000 156,157,000 8,047,000 Central Valley Community Bancorp Fresno CA 7,000,000 237,197,000 229,534,000 (7,663,000) 

Centric Financial Corporation Harrisburg PA 7,492,000 50,832,000 59,515,000 8,683,000 

Centrix Bank & Trust Bedford NH 24,500,000 234,642,000 275,217,000 40,575,000 CIC Bancshares, Inc. Greenwood Village CO 1,772,000 5,584,000 29,740,000 24,156,000 

Citizens Community Bank South Hill VA 4,000,000 38,520,000 39,032,000 512,000 

Citizens South Banking Corporation Gastonia NC 20,500,000 126,415,000 138,057,000 11,642,000 

CoBiz Financial Inc. Denver CO 57,366,000 740,718,000 730,602,000 (10,116,000) 

Codorus Valley Bancorp, Inc. York PA 25,000,000 168,440,000 185,025,000 16,585,000 

Columbine Capital Corp. Buena Vista CO 6,050,000 39,448,000 61,391,000 21,943,000 

Columbus First Bancorp, Inc Worthington OH 6,150,000 34,778,000 43,927,000 9,149,000 

Commercial Financial Corp Storm Lake IA 18,000,000 222,813,000 226,058,000 3,245,000 

Community Bank Delaware Lewes DE 4,500,000 28,753,000 34,095,000 5,342,000 

Community Bank Shares of Indiana, Inc. New Albany IN 28,000,000 184,263,000 200,824,000 16,561,000 

Community First Bancorp, Inc. Fairview Heights IL 7,000,000 51,317,000 61,890,000 10,573,000 

Community First Bancshares, Inc. Union City TN 30,852,000 298,741,000 278,930,000 (19,811,000) 

Community Illinois Corporation Rock Falls IL 4,500,000 78,909,000 87,267,000 8,358,000 

Community Independent Bancorp Inc. West Salem OH 2,250,000 12,020,000 14,367,000 2,347,000 

Community Partners Bancorp Middletown NJ 12,000,000 203,821,000 202,998,000 (823,000) 

Community Southern Bank Lakeland FL 5,700,000 28,735,000 40,476,000 11,741,000 

Community Trust Financial Corporation Ruston LA 48,260,000 349,389,000 475,642,000 126,253,000 

Community Valley Bank El Centro CA 2,400,000 13,645,000 28,056,000 14,411,000 

Continental Bancorporation Salt Lake City UT 4,724,000 84,925,000 38,255,000 (46,670,000) 

County Bancorp, Inc. Manitowoc WI 15,000,000 379,535,000 423,388,000 43,853,000 

Crest Savings Bancorp, Inc. Wildwood NJ 2,500,000 23,276,000 22,192,000 (1,084,000) 

Crestmark Bancorp, Inc. Troy MI 8,250,000 173,893,000 279,995,000 106,102,000 

D. L. Evans Bancorp Burley ID 29,891,000 350,577,000 319,148,000 (31,429,000) 

Deerfield Financial Corporation Deerfield WI 3,650,000 15,146,000 16,955,000 1,809,000 

DNB Financial Corporation Downingtown PA 13,000,000 107,588,000 115,386,000 7,798,000 

Eagle Bancorp, Inc. Bethesda MD 56,600,000 413,505,000 580,638,000 167,133,000 

Emclaire Financial Corp. Emlenton PA 10,000,000 56,761,000 56,401,000 (360,000) 

Encore Bancshares, Inc. Houston TX 32,914,000 186,431,000 225,253,000 38,822,000 

Enterprise Financial Services Group, Inc. Allison Park PA 5,000,000 85,598,000 90,503,000 4,905,000 

Equity Bancshares, Inc. Wichita KS 16,372,000 115,446,000 129,741,000 14,295,000 

Evolve Bancorp, Inc. Cordova TN 4,699,000 19,101,000 39,904,000 20,803,000 

F & M Bancorporation, Inc. Tulsa OK 38,222,000 290,250,000 352,186,000 61,936,000 

Farmers State Bankshares, Inc. Holton KS 700,000 12,762,000 13,082,000 320,000 

FB BanCorp San Antonio TX 12,000,000 39,335,000 43,684,000 4,349,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

FCB Bancorp, Inc. Louisville KY 9,759,000 78,649,000 74,046,000 (4,603,000) 

Financial Security Corporation Basin WY 5,000,000 67,715,000 85,107,000 17,392,000 

Financial Services of Winger, Inc. Fosston MN 4,069,000 60,984,000 70,927,000 9,943,000 

FineMark Holdings, Inc. Fort Myers FL 5,665,000 25,709,000 45,040,000 19,331,000 

First American Investment, Inc. Hudson WI 1,705,710 20,101,000 23,297,000 3,196,000 

First Bancorp Troy NC 63,500,000 493,414,000 506,910,000 13,496,000 

First Bank of Charleston Charleston WV 3,345,000 24,923,000 23,742,000 (1,181,000) 

First Bankers Trustshares, Inc. Quincy IL 10,000,000 138,461,000 170,136,000 31,675,000 

First Busey Corporation Champaign IL 72,664,000 555,684,000 502,348,000 (53,336,000) 

First California Financial Group, Inc. Westlake Village CA 25,000,000 313,952,000 280,439,000 (33,513,000) 

First Colebrook Bancorp, Inc. Colebrook NH 8,623,000 61,376,000 64,508,000 3,132,000 

First Community Financial Corporation Elgin IL 6,100,000 32,801,000 36,184,000 3,383,000 

First Eldorado Bancshares, Inc. Eldorado IL 3,000,000 41,312,000 43,644,000 2,332,000 

First Federal Bancorp, Inc. Lake City FL 20,000,000 97,500,000 85,458,000 (12,042,000) 

First Financial Bancshares, Inc. Lawrence KS 3,905,000 31,624,000 32,877,000 1,253,000 

First Green Bank Eustis FL 4,727,000 30,339,000 63,460,000 33,121,000 

First Guaranty Bancshares, Inc. Hammond LA 39,435,000 162,636,000 163,520,000 884,000 First Menasha Bancshares, Inc. Neenah WI 10,000,000 67,578,000 71,416,000 3,838,000 

First Merchants Corporation Muncie IN 90,782,940 1,291,653,000 1,077,350,000 (214,303,000) 

First NBC Bank Holding Company New Orleans LA 37,935,000 325,008,000 379,538,000 54,530,000 First Northern Community Bancorp Dixon CA 22,847,000 229,907,000 217,745,000 (12,162,000) 

First PacTrust Bancorp, Inc. Chula Vista CA 32,000,000 36,082,000 34,320,000 (1,762,000) 

First Resource Bank Exton PA 5,083,000 32,165,000 32,411,000 246,000 

First Robinson Financial Corporation Robinson IL 4,900,000 34,824,000 45,454,000 10,630,000 

First Savings Financial Group, Inc. Clarksville IN 17,120,000 58,599,000 88,781,000 30,182,000 

First Service Bancshares, Inc. Greenbrier AR 7,716,000 73,171,000 59,860,000 (13,311,000) 

First Texas BHC, Inc. Fort Worth TX 29,822,000 137,852,000 173,915,000 36,063,000 

Fisher Bancorp, Inc. Fisher IL 1,000,000 15,062,000 13,678,000 (1,384,000) 

Florida Business BancGroup, Inc. Tampa FL 15,360,000 97,329,000 113,434,000 16,105,000 

Florida Community Bankshares, Inc. Ocala FL 17,000,000 158,498,000 135,789,000 (22,709,000) 

Florida Shores Bancorp, Inc. Pompano Beach FL 12,750,000 88,040,000 106,861,000 18,821,000 

Florida Traditions Bank Dade City FL 8,800,000 61,282,000 105,250,000 43,968,000 

FNB Bancorp South San Francisco CA 12,600,000 139,556,000 115,216,000 (24,340,000) 

Fortune Financial Corporation Arnold MO 3,255,000 46,918,000 44,312,000 (2,606,000) 

Founders Bancorp San Luis Obispo CA 4,178,000 35,399,000 38,897,000 3,498,000 

Franklin Financial Network, Inc. Franklin TN 10,000,000 18,547,000 21,144,000 2,597,000 

Franklin Security Bancorp, Inc. Plains PA 6,955,000 24,504,000 23,697,000 (807,000) 

Freedom Bancshares, Inc. Overland Park KS 4,000,000 29,355,000 33,288,000 3,933,000 

Freedom Bank Oradell NJ 4,000,000 32,445,000 46,227,000 13,782,000 

Frontier Bancshares, Inc. Austin TX 6,184,000 62,651,000 92,305,000 29,654,000 FVNB Corp. Victoria TX 18,000,000 588,173,000 622,203,000 34,030,000 

GBC Holdings, Inc. Los Angeles CA 5,000,000 81,993,000 84,388,000 2,395,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

Grand Capital Corporation Tulsa OK 5,200,000 79,441,000 78,605,000 (836,000) 

GrandSouth Bancorporation Greenville SC 15,422,000 92,718,000 108,867,000 16,149,000 

Great Southern Bancorp, Inc. Springfield MO 57,943,000 152,567,000 211,671,000 59,104,000 Greater Rochester Bancorp, Inc. Rochester NY 7,000,000 57,322,000 74,080,000 16,758,000 

Guaranty Bancorp, Inc. Woodsville NH 7,000,000 75,321,000 75,221,000 (100,000) 

Gulfstream Bancshares, Inc. Stuart FL 7,500,000 283,018,000 258,694,000 (24,324,000) Happy Bancshares, Inc. Amarillo TX 31,929,000 419,971,000 566,895,000 146,924,000 

Harmony Bank Jackson Township NJ 3,500,000 10,988,000 26,179,000 15,191,000 Heartland Bancorp, Inc. Bloomington IL 25,000,000 410,550,000 421,014,000 10,464,000 

Heartland Financial USA, Inc. Dubuque IA 81,698,000 923,037,000 930,785,000 7,748,000 

Heritage Bancshares Group, Inc. Willmar MN 11,000,000 149,302,000 127,636,000 (21,666,000) 

Heritage Bankshares, Inc. Norfolk VA 7,800,000 69,854,000 76,517,000 6,663,000 

Highlands Bancorp, Inc. Vernon NJ 6,853,000 33,999,000 51,429,000 17,430,000 HomeBancorp, Inc. Tampa FL 7,398,000 12,298,000 10,062,000 (2,236,000) 

Hopewell Valley Community Bank Pennington NJ 11,000,000 89,771,000 101,610,000 11,839,000 

Horizon Bancorp Michigan City IN 12,500,000 153,661,000 163,624,000 9,963,000 Howard Bancorp, Inc. Ellicott City MD 12,562,000 120,456,000 113,761,000 (6,695,000) 

Huron Valley State Bank Milford MI 2,597,000 21,470,000 28,334,000 6,864,000 

Hyde Park Bancorp, Inc. Hyde Park MA 18,724,000 1,684,000 4,869,000 3,185,000 

Illinois State Bancorp, Inc. Chicago IL 13,368,000 60,188,000 62,770,000 2,582,000 

Indebancorp Oak Harbor OH 2,000,000 43,067,000 39,751,000 (3,316,000) 

Independent Holdings, Inc. Memphis TN 34,900,000 44,702,000 43,365,000 (1,337,000) 

InsCorp, Inc. Nashville TN 3,000,000 23,024,000 29,509,000 6,485,000 

Insight Bank Columbus OH 4,250,000 16,410,000 29,037,000 12,627,000 Island Bancorp, Inc. Edgartown MA 4,000,000 23,581,000 31,298,000 7,717,000 

Jefferson Bank of Florida Oldsmar FL 3,367,000 13,891,000 22,082,000 8,191,000 

Joaquin Bankshares Inc. Huntington TX 3,908,000 40,722,000 45,043,000 4,321,000 

Jonestown Bank and Trust Company Jonestown PA 4,000,000 40,820,000 48,650,000 7,830,000 

Katahdin Bankshares Corp. Houlton ME 11,000,000 134,599,000 151,826,000 17,227,000 

Kerkhoven Bancshares, Inc Kerkhoven MN 1,500,000 22,617,000 25,253,000 2,636,000 

Kinderhook Bank Corp. Kinderhook NY 7,000,000 41,610,000 49,337,000 7,727,000 

Landmark Community Bank Collierville TN 8,000,000 29,258,000 45,355,000 16,097,000 

LCA Bank Corporation Park City UT 2,727,000 14,000 218,000 204,000 Leader Bancorp, Inc. Arlington MA 12,852,000 30,398,000 38,522,000 8,124,000 

Level One Bancorp, Inc. Farmington Hills MI 11,301,000 94,054,000 123,764,000 29,710,000 Liberty Bancorp, Inc. Liberty MO 16,169,000 85,208,000 85,328,000 120,000 

Liberty Bancshares, Inc. Springfield MO 22,995,000 304,442,000 264,904,000 (39,538,000) 

Liberty Bancshares, Inc. Jonesboro AR 52,500,000 619,989,000 610,586,000 (9,403,000) 

Liberty Capital Bancshares, Inc. Addison TX 1,500,000 16,656,000 29,066,000 12,410,000 

Liberty Financial Services, Inc. Sioux City IA 7,000,000 63,107,000 74,863,000 11,756,000 

Live Oak Bancshares, Inc. Wilmington NC 6,800,000 53,679,000 98,865,000 45,186,000 

Lowndes Bancshares, Inc. Valdosta GA 6,000,000 47,099,000 57,414,000 10,315,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

Magna Bank Memphis TN 18,350,000 44,751,000 60,075,000 15,324,000 

Magnolia Bancshares Inc. Hodgenville KY 2,000,000 33,419,000 34,275,000 856,000 

Marquis Bank Coral Gables FL 3,500,000 11,273,000 26,145,000 14,872,000 

McLaughlin Bancshares, Inc. Ralls TX 6,600,000 47,152,000 65,483,000 18,331,000 McLeod Bancshares, Inc. Shorewood MN 6,000,000 50,935,000 32,940,000 (17,995,000) 

Meadows Bank Las Vegas NV 8,500,000 47,672,000 85,936,000 38,264,000 

Medallion Bank Salt Lake City UT 26,303,000 229,336,000 334,004,000 104,668,000 

Mercantile Capital Corporation Boston MA 7,000,000 97,614,000 121,524,000 23,910,000 Merchants and Manufacturers Bank Corporation Joliet IL 6,800,000 56,795,000 63,324,000 6,529,000 

Merchants & Planters Bancshares, Inc. Bolivar TN 2,000,000 16,411,000 26,297,000 9,886,000 

MidSouth Bancorp, Inc. LaFayette LA 32,000,000 308,644,000 309,188,000 544,000 

MidWest Bancorporation, Inc. Eden Prairie MN 5,115,000 61,382,000 69,984,000 8,602,000 

MileStone Bank Doylestown PA 5,100,000 46,778,000 64,879,000 18,101,000 

Moneytree Corporation Lenoir City TN 9,992,000 69,580,000 67,823,000 (1,757,000) 

Monument Bank Bethesda MD 11,355,000 34,075,000 43,155,000 9,080,000 

Monument Bank Doylestown PA 2,970,000 19,715,000 36,501,000 16,786,000 

Morgan Capital Corporation Fort Morgan CO 3,250,000 27,381,000 35,794,000 8,413,000 

MutualFirst Financial, Inc. Muncie IN 28,923,000 194,264,000 173,535,000 (20,729,000) 

MVB Financial Corp. Fairmont WV 8,500,000 53,681,000 68,461,000 14,780,000 

New England Bancorp, Inc. Hyannis MA 4,000,000 33,970,000 47,126,000 13,156,000 

New Hampshire Thrift Bancshares, Inc. Newport NH 20,000,000 113,698,000 114,821,000 1,123,000 

Nicolet Bankshares, Inc. Green Bay WI 24,400,000 238,645,000 198,839,000 (39,806,000) 

Northern Bankshares, Inc. McFarland WI 22,000,000 145,604,000 136,108,000 (9,496,000) 

Northway Financial, Inc. Berlin NH 23,593,000 106,433,000 122,481,000 16,048,000 Oak Valley Bancorp Oakdale CA 13,500,000 143,616,000 130,518,000 (13,098,000) 

Osborne Investments, Inc. Osborne KS 1,000,000 14,215,000 21,353,000 7,138,000 

Ouachita Bancshares Corp. Monroe LA 17,930,000 138,990,000 148,751,000 9,761,000 

Ovation Holdings, Inc. Naples FL 5,000,000 22,472,000 24,786,000 2,314,000 

Pacific Coast Bankers' Bancshares San Francisco CA 11,960,000 42,624,000 28,365,000 (14,259,000) 

Partners Bank of California Mission Viejo CA 2,463,000 54,729,000 66,619,000 11,890,000 

Pathfinder Bancorp, Inc. Oswego NY 13,000,000 68,842,000 73,873,000 5,031,000 

Penn Liberty Financial Corp. Wayne PA 20,000,000 131,843,000 152,535,000 20,692,000 

People First Bancshares, Inc. Pana IL 9,198,000 113,773,000 127,837,000 14,064,000 

Peoples Bancorp Lynden / Bellingham WA 18,000,000 279,067,000 291,017,000 11,950,000 

PFSB Bancorporation, Inc. Pigeon Falls WI 1,500,000 25,044,000 22,995,000 (2,049,000) 

Phoenix Bancorp, Inc. Minersville PA 3,500,000 21,742,000 26,601,000 4,859,000 

Pioneer Bank, SSB Drippings Springs TX 3,004,000 17,568,000 23,154,000 5,586,000 

PlainsCapital Corporation Dallas TX 114,068,000 978,362,000 1,045,312,000 66,950,000 

Planters Financial Group, Inc. Clarksville TN 20,000,000 146,436,000 173,763,000 27,327,000 Platinum Bancorp, Inc. Oakdale MN 4,453,000 41,859,000 44,955,000 3,096,000 

Platinum Bank Brandon FL 13,800,000 165,319,000 158,147,000 (7,172,000) Premara Financial, Inc. Charlotte NC 6,238,000 50,605,000 45,961,000 (4,644,000) 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

Prime Banc Corp. Dieterich IL 10,000,000 82,766,000 89,830,000 7,064,000 

Prime Bank Group Edmond OK 4,456,000 17,960,000 32,339,000 14,379,000 

Progressive Bancorp, Inc. Monroe LA 12,000,000 101,622,000 100,109,000 (1,513,000) 

Promerica Bank Los Angeles CA 3,750,000 43,274,000 60,978,000 17,704,000 

Providence Bank Rocky Mount NC 4,250,000 28,599,000 34,520,000 5,921,000 

Provident Bancorp, Inc. Amesbury MA 17,145,000 84,302,000 97,670,000 13,368,000 

Puget Sound Bank Bellevue WA 9,886,000 80,331,000 105,819,000 25,488,000 

QCR Holdings, Inc. Moline IL 40,090,000 435,912,000 373,071,000 (62,841,000) Redwood Capital Bancorp Eureka CA 7,310,000 46,088,000 52,778,000 6,690,000 

Redwood Financial, Inc. Redwood Falls MN 6,425,000 42,281,000 45,025,000 2,744,000 

Regal Bank Livingston NJ 7,000,000 25,872,000 34,200,000 8,328,000 

Regent Capital Corporation Nowata OK 3,350,000 46,333,000 51,299,000 4,966,000 

Resurgens Bancorp Atlanta GA 2,967,000 15,336,000 24,156,000 8,820,000 

Rock Bancshares, Inc. Little Rock AR 6,742,000 56,208,000 81,578,000 25,370,000 

Rockport National Bancorp, Inc. Rockport MA 3,000,000 37,136,000 37,110,000 (26,000) 

Salisbury Bancorp, Inc. Lakeville CT 16,000,000 78,570,000 90,155,000 11,585,000 SBT Bancorp, Inc. Simsbury CT 9,000,000 34,532,000 39,601,000 5,069,000 

Seacoast Commerce Bank Chula Vista CA 4,000,000 45,347,000 50,948,000 5,601,000 

Security Business Bancorp San Diego CA 8,944,500 57,964,000 74,645,000 16,681,000 

Security California Bancorp Riverside CA 7,200,000 164,981,000 199,485,000 34,504,000 

Security State Bancshares, Inc. Charleston MO 22,000,000 174,084,000 201,628,000 27,544,000 

Select Bancorp, Inc. Greenville NC 7,645,000 29,181,000 43,861,000 14,680,000 Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY 5,000,000 12,955,000 23,106,000 10,151,000 

Sequatchie Valley Bancshares, Inc. Dunlap TN 5,000,000 43,804,000 34,846,000 (8,958,000) 

ServisFirst Bancshares, Inc. Birmingham AL 40,000,000 649,858,000 885,333,000 235,475,000 

Signature Bancorporation, Inc. Chicago IL 12,500,000 123,830,000 140,949,000 17,119,000 Silvergate Capital Corporation La Jolla CA 12,427,000 9,115,000 6,101,000 (3,014,000) SmartFinancial, Inc. Pigeon Forge TN 12,000,000 28,645,000 53,145,000 24,500,000 

SouthCity Bank Vestavia Hills AL 5,200,000 39,071,000 47,236,000 8,165,000 

Southern Heritage Bancshares, Inc. Cleveland TN 5,105,000 58,099,000 68,519,000 10,420,000 

Southern Illinois Bancorp, Inc. Carmi IL 9,000,000 90,179,000 106,869,000 16,690,000 

Southern Missouri Bancorp, Inc. Poplar Bluff MO 20,000,000 188,556,000 219,191,000 30,635,000 

Southern National Corporation Andalusia AL 6,000,000 155,408,000 176,431,000 21,023,000 

Southern States Bancshares, Inc. Anniston AL 7,492,000 37,910,000 56,779,000 18,869,000 

Southwestern Bancorp, Inc. Boerne TX 1,500,000 22,454,000 24,794,000 2,340,000 

Sovereign Bancshares, Inc. Dallas TX 24,500,000 177,827,000 163,153,000 (14,674,000) 

Steele Holdings, Inc. Tyler TX 8,282,000 31,142,000 27,305,000 (3,837,000) 

Steele Street Bank Corporation Denver CO 11,350,000 65,842,000 83,700,000 17,858,000 

Stewardship Financial Corporation Midland Park NJ 15,000,000 206,620,000 227,113,000 20,493,000 

StonehamBank, A Co‐operative Bank Stoneham MA 13,813,000 46,880,000 68,829,000 21,949,000 

Summit State Bank Santa Rosa CA 13,750,000 100,509,000 94,585,000 (5,924,000) 

Sumner Bank & Trust Gallatin TN 4,264,000 27,039,000 27,220,000 181,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

SBLF Funding

Outstanding

Qualified Small Business Lending as o

Sword Financial Corporation Horicon WI 17,000,000 191,381,000 178,513,000 (12,868,000) 

TCB Corporation Greenwood SC 8,640,000 56,579,000 58,086,000 1,507,000 

Team Capital Bank Bethlehem PA 22,412,000 122,060,000 149,526,000 27,466,000 

The ANB Corporation Terrell TX 37,000,000 402,694,000 382,672,000 (20,022,000) 

The Bank of Santa Barbara Santa Barbara CA 1,882,380 22,776,000 42,170,000 19,394,000 

The Elmira Savings Bank, FSB Elmira NY 14,063,000 94,555,000 97,984,000 3,429,000 

The Landrum Company Columbia MO 20,000,000 430,588,000 403,538,000 (27,050,000) 

The Nashua Bank Nashua NH 3,000,000 19,679,000 25,950,000 6,271,000 

The Peoples Bank of Talbotton Talbotton GA 890,000 5,943,000 6,732,000 789,000 

The Private Bank of California Los Angeles CA 10,000,000 69,125,000 114,210,000 45,085,000 

The State Bank of Bartley Bartley NE 2,380,000 26,503,000 26,944,000 441,000 The Victory Bancorp, Inc. Limerick PA 3,431,000 24,103,000 43,207,000 19,104,000 

Third Coast Bank SSB Humble TX 8,673,000 57,861,000 105,320,000 47,459,000 

Town and Country Financial Corporation Springfield IL 5,000,000 90,567,000 95,440,000 4,873,000 

TowneBank Suffolk VA 76,458,000 814,570,000 855,838,000 41,268,000 

Triad Bancorp, Inc. Frontenac MO 5,000,000 30,501,000 39,300,000 8,799,000 

Tri‐County Financial Corporation Waldorf MD 20,000,000 244,812,000 279,024,000 34,212,000 

Tri‐County Financial Group, Inc. Mendota IL 20,000,000 138,077,000 154,213,000 16,136,000 Two Rivers Financial Group, Inc. Burlington IA 23,240,000 154,246,000 175,021,000 20,775,000 

U&I Financial Corp Lynnwood WA 5,500,000 39,884,000 53,712,000 13,828,000 UBT Bancshares, Inc. Marysville KS 16,500,000 150,701,000 181,509,000 30,808,000 

Union Bank & Trust Company Oxford NC 6,200,000 38,662,000 44,976,000 6,314,000 

United Community Bancorp, Inc. Chatham IL 22,262,000 239,287,000 261,121,000 21,834,000 

United Financial Banking Companies, Inc. Vienna VA 3,000,000 75,699,000 83,264,000 7,565,000 

Valley Financial Group, Ltd. Saginaw MI 2,000,000 73,968,000 87,673,000 13,705,000 

Valley Green Bank Philadelphia PA 5,000,000 23,475,000 49,307,000 25,832,000 

Veritex Holdings, Inc. Dallas TX 8,000,000 81,140,000 110,430,000 29,290,000 Verus Acquisition Group, Inc. Fort Collins CO 9,740,000 66,000,000 92,519,000 26,519,000 

Virginia Heritage Bank Fairfax VA 15,300,000 87,210,000 118,599,000 31,389,000 

W.T.B. Financial Corporation Spokane WA 89,142,000 896,140,000 870,616,000 (25,524,000) 

WashingtonFirst Bankshares, Inc. Reston VA 17,796,000 112,615,000 158,871,000 46,256,000 Western Alliance Bancorporation Phoenix AZ 141,000,000 1,509,997,000 1,526,056,000 16,059,000 

Western State Agency, Inc. Devils Lake ND 12,000,000 147,079,000 170,788,000 23,709,000 

Wilber Co. Lincoln NE 12,000,000 131,853,000 144,995,000 13,142,000 

Xenith Bankshares, Inc. Richmond VA 8,381,000 78,852,000 124,866,000 46,014,000 

York Traditions Bank York PA 5,115,000 77,320,000 76,211,000 (1,109,000) 
Community Development Loan Funds Participating in SBLF

Report on Information from 9/30/2011 Quarterly Supplemental Reports transmitted with 4Q 2011 Use of Funds Report

Name City State Baseline Level Current Level Inc

Appalachian Community Enterprises, Inc. Cleveland GA 188,000 2,179,000 3,035,000 

Boston Community Loan Fund, Inc. Roxbury MA 4,410,000 11,378,000 20,218,000 

Bridgeway Capital, Inc. Pittsburgh PA 1,820,000 18,674,000 18,555,000 

Building Hope... A Charter School Facilities Fund Washington DC 2,091,000 23,190,000 21,310,000 

California Coastal Rural Development Corporation Salinas CA 870,000 9,545,000 6,825,000 

Capital Link, Inc. Boston MA 198,000 1,420,000 2,551,000 

CEN‐TEX Certified Development Corporation Austin TX 489,000 4,712,000 5,044,000 

Charleston Citywide Local Development Corporation Charleston SC 1,000,000 1,799,000 3,058,000 

Citizen Potawatomi Community Development Corporation Shawnee OK 490,000 6,505,000 8,731,000 

Coastal Enterprises, Inc. Wiscasset ME 2,316,000 17,640,000 15,582,000 

Colorado Enterprise Fund, Inc. Denver CO 463,000 5,721,000 7,384,000 

Common Capital, Inc. f/k/a The Western Massachusetts Enterprise

Fund, Inc. Holyoke MA 200,000 3,526,000 3,154,000 

Community First Fund Lancaster PA 862,000 11,002,000 11,995,000 

Institution

SBLF Funding

Outstanding

Qualified Small Business Len

y , , , , , 

Community Loan Fund of the Capital Region, Inc. Albany NY 478,000 6,760,000 7,211,000 

Community Reinvestment Fund, Inc. Minneapolis MN 5,100,000 43,948,000 33,493,000 

Community Ventures Corporation Lexington KY 1,045,000 3,451,000 4,249,000 

ECDC Enterprise Development Group Arlington VA 320,000 1,400,000 1,778,000 

Economic and Community Development Institute, Inc. Columbus OH 203,000 2,728,000 4,734,000 

Enterprise Community Loan Fund, Inc. Columbia MD 8,817,000 8,849,000 12,563,000 

Federation of Appalachian Housing Enterprises, Inc. Berea KY 2,063,000 4,137,000 8,970,000 

Forward Community Investments, Inc. Madison WI 470,000 3,964,000 5,587,000 

Greater New Haven Community Loan Fund New Haven CT 525,000 758,000 786,000 

IFF Chicago IL 8,294,000 108,261,000 121,651,000 

Impact Seven, Incorporated Almena WI 4,000,000 13,344,000 13,527,000 

La Fuerza Unida Community Development Corporation East Norwich NY 42,000 86,000 354,000 

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY 750,000 2,218,000 2,858,000 

Low Income Investment Fund San Francisco CA 7,490,000 26,595,000 21,374,000 

Lowcountry Housing Trust, Incorporated North Charleston SC 392,000 96,000 114,000 

Midwest Minnesota Community Development Corporation Detroit Lakes MN 4,600,000 29,638,000 47,583,000 

Montana Community Development Corporation Missoula MT 585,000 8,377,000 9,875,000 
Name City State Baseline Level Current Level Inc

Institution

SBLF Funding

Outstanding

Qualified Small Business Len

Mountain BizCapital, Inc. Asheville NC 197,000 1,791,000 2,039,000 

NCB Capital Impact Arlington VA 8,218,000 95,578,000 110,075,000 

Nebraska Enterprise Fund Oakland NE 197,000 1,454,000 2,840,000 

Nonprofits Assistance Fund Minneapolis MN 686,000 6,979,000 8,493,000 

Northeast South Dakota Economic Corporation Sisseton SD 1,000,000 11,758,000 13,282,000 

Northside Community Development Fund Pittsburgh PA 250,000 2,190,000 2,606,000 

OBDC Small Business Finance Oakland CA 219,000 2,473,000 4,612,000 

Opportunity Fund Northern California San Jose CA 2,236,000 5,935,000 7,169,000 

Partners for the Common Good, Inc. Washington DC 1,009,000 4,888,000 5,408,000 

PeopleFund Austin TX 500,000 6,412,000 7,603,000 

Primary Care Development Corporation New York NY 4,000,000 33,280,000 30,058,000 

Rural Community Assistance Corporation West Sacramento CA 4,300,000 6,104,000 7,252,000 

Rural Electric Economic Development, Inc. Madison SD 1,230,000 11,116,000 10,611,000 

Seedco Financial Services, Inc. New York NY 2,500,000 33,651,000 42,358,000 

ShoreBank Enterprise Group, Pacific Ilwaco WA 1,867,000 24,108,000 28,083,000 

South Eastern Development Foundation Sioux Falls SD 240,000 2,486,000 3,397,000 

The Progress Fund Greensburg PA 1,052,000 12,882,000 16,342,000 

The Reinvestment Fund, Inc. Philadelphia PA 11,708,000 113,268,000 108,917,000 

Valley Economic Development Center, Inc. Van Nuys CA 661,000 9,581,000 15,723,000 

Vermont Community Loan Fund, Inc. Montpelier VT 1,247,000 12,787,000 15,102,000 

Wisconsin Women's Business Initiative Corporation Milwaukee WI 391,000 4,562,000 5,841,000