October 2013 (Updated 11/1/2013)

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 banks1 and

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

of the SBLF is to encourage Main Street banks and small businesses to work together, help create jobs,

and promote economic growth in communities across the nation.   

This report provides information on changes in small business lending by SBLF participants as of June 30,

2013, relative to baseline levels.2

   As of June 30, 2013, 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 $10.4 billion over a

$36.5 billion baseline, and by $1.4 billion over the prior quarter.

• Increases in small business lending are widespread across SBLF participants, with 92 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

86 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 510 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

6,090 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 48.2 percent over

baseline levels, versus a 10.3 percent median increase for the representative peer group and a

5.3 percent median increase for the broader comparison group.

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

measures of size, geography, loan type, and financial condition versus the peer and comparison

groups.

• SBLF banks that refinanced CPP funding have increased business lending by a median of 43.7

percent since their initial receipt of CPP funding from Treasury versus a 15.9 percent increase

for the peer group and a 9.6 percent increase for the comparison group over the same period.    

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

                                                            

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

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

were reported for each of the four calendar quarters ended June 30, 2010.
2

BACKGROUND

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

of the Treasury to provide a quarterly written report on how institutions participating in the SBLF

program have used the funds they received under the program.  

Treasury invested over $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 over 3,000 locations across 48 states.  This report includes information on the 315

institutions that continued to participate in the program as of July 31, 2013, including 265 community

banks and 50 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, 2013, 17 institutions with aggregate investments of $186.3 million have fully

redeemed their SBLF securities and exited the program, and 14 institutions have partially redeemed

$173.2 million (or 46 percent of their SBLF securities) though continue to participate in the program.  To

date, redemptions have resulted in only a modest change in reported qualified small business lending

($26 million) as the reductions in both the reported baseline and then‐current quarter small business

amounts at the time of exit were equal to $2.2 billion in each case.

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. 3

  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 –

                                                            

3 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

coupled with the program’s dividend or interest rate incentives in the case of community banks –

encourages institutions to increase small business lending.  Because of the program’s structure,

increases in small business lending cannot be directly linked to the use of SBLF funds.  However, the

program’s impact can be observed indirectly.  Accordingly, this report provides information regarding

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

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

methodology employed in this report, please see Appendix A.   

   
4

INCREASES IN SMALL BUSINESS LENDING OVER BASELINE LEVELS

As of June 30, 2013, SBLF participants have increased their small business lending by $10.4 billion over

their aggregate baseline of $36.5 billion.  Bank participants have increased their small business lending

by $10.1 billion (or 28 percent) over a $35.7 billion baseline, and CDLFs increased their small business

lending by $256.3 million (or 32 percent) over a $796.8 million baseline.  The following graph shows the

aggregate increase in qualified small business lending reported by SBLF participants as of June 30, 2013.  

Increase in Small Business Lending over Baseline by SBLF Participants

(Reported as of June 30, 2013)

Increases in small business lending are widespread among SBLF participants.  To date, 246 of the 265

participating community banks (or 93 percent) and 45 of the 50 CDLFs (or 90 percent) have increased

their small business lending.  In addition, 270 of the 315 SBLF participants (or 86 percent) have increased

their small business lending by 10 percent or more.   

The graph on the following page 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.  
5

   

SBLF Participants Reporting Increases in Small Business Lending over Baseline4

(Reported as of June 30, 2013)  

To achieve the lowest available dividend or interest rate under the SBLF program terms (the “program

incentive”), participants would have needed to increase small business lending in aggregate by at least

$4.5 billion.5

  As of June 30, 2013, the $10.4 billion increase achieved over baseline levels is over 2.3

times greater than the $4.5 billion program incentive.6

The figures in this section 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.  

Please see Appendix B for additional information on changes in small business lending following the

initial SBLF investments.

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

                                                            

4 As a result of redemptions, the total number of SBLF institutions was 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. 5 Throughout this report, the term “program incentive” is defined as the aggregate increase that would be required for

participants to receive the lowest available dividend or interest rate under the SBLF program terms. 6 As of June 30, 2013, 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.

66

12 12 17

225

67

7 13 17

228

51

13 6 13

248

45

8 9 13

251

35

3

15 5

262

36

7 9 7

258

27

10 5 3

270

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
6

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, 254 (77 percent) of SBLF participants increased lending by $3.8 billion and 78 (23 percent) of

participants decreased lending by $993 million from the baseline period until the time of Treasury’s

initial investments in the quarter ended June 30, 2011.  Of the 24 participants (8 percent) that presently

report negative changes in small business lending, six 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.   

Distribution of Small Business Lending Increases by Quartile

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

increases in small business lending have been made in aggregate by participants with the largest

amount of SBLF funds outstanding.  Funds outstanding is defined as the amount of funds received from

SBLF minus funds that have been redeemed.

If ranked and grouped by the amount of SBLF funds outstanding, the 79 institutions that received $15

million or more of SBLF funding accounted for $5.4 billion of the total reported increase in small

business lending with $2.4 billion of funds outstanding.  The following graph shows the changes in small

business lending across four equally‐sized groups of SBLF participants based on the dollar amount of

their SBLF funds outstanding.

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

(Reported as of June 30, 2013)

$2.4

$0.8

$0.4

$0.1

$5.4

$2.9

$1.5

$0.7

$0.0

$1.0

$2.0

$3.0

$4.0

$5.0

$6.0

First Quartile

($15 ‐ $141 Million)

Second Quartile

($7.0 ‐ $14.9 Million)

Third Quartile

($3.3 ‐ $7.0 Million)

Fourth Quartile

($3.3 Million or Less)

$ in Billions

Quartiles by Dollar Amount of Funds Outstanding

SBLF Funds Outstanding Change in Small Business Lending
7

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

participants accounted for $7.5 billion of the gross reported increase in small business lending with $1.8

billion of SBLF funds outstanding.  The following graph shows the change in small business lending

across four equally‐sized groups of SBLF participants based on the dollar amount of their change in

lending.

Increase in Small Business Lending by Dollar Amount of Lending Change

(Reported as of June 30, 2013)

Distribution of Small Business Lending Increases by Institution Size

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

largest aggregate increases in dollar value reported by the largest institutions.7

  The largest institutions

(defined as those participants with more than $1.0 billion in total assets) increased small business

lending by $3.0 billion while the smallest institutions (defined as those participants with less than $250

million in assets) increased small business lending by $2.7 billion.  The following graph shows increases

in small business lending and SBLF funds outstanding across four categories of institution size.

   

                                                            

7 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.

$1.8

$0.9 $0.5 $0.5

$7.5

$2.3

$1.0

‐$0.5

‐$2.0

$0.0

$2.0

$4.0

$6.0

$8.0

First Quartile

(Over $40.9 Million)

Second Quartile

($20.7 ‐ $40.8 Million)

Third Quartile

($5.1 ‐ $20.6 Million)

Fourth Quartile

($5.0 Million or Less)

$ in Billions

Quartiles by Dollar Amount of Change in Small Business Lending

SBLF Funds Outstanding Change in Small Business Lending
8

Increase in Small Business Lending by Institution Size

(Reported as of June 30, 2013)

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 Southwest reported the largest aggregate increase ($2.8 billion) with one of the

largest shares of SBLF funds outstanding ($900 million).   

The following graph shows increases in small business lending and SBLF funds outstanding across six

geographic regions. 8

   

                                                            

8 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.

$0.6 $0.7

$0.9

$1.4

$2.7 $2.6

$2.1

$3.0

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

$3.5

$7.0 ‐ $249 Million

(n=165)

$250 ‐ $499 Million

(n=68)

$500 ‐ $999 Million

(n=51)

$1.0 ‐ $6.4 Billion

(n=31)

$ in Billions

Size by Total Assets

SBLF Funds Outstanding Lending Increase
9

Increase in Small Business Lending by Regional Geography

(Reported as of June 30, 2013)

Based on the average loan size reported by participants in the June 2013 Results of the First Annual

Lending Survey, the $10.4 billion aggregate increase in small business lending represents an estimated

46,800 additional loans to small businesses.9

  The following graph shows the estimated number of

additional loans to small businesses by regional geography.

Estimated Number of Additional Loans to Small Businesses by Regional Geography

(Reported as of June 30, 2013)

                                                            

9 The number of additional small business loans is calculated by dividing each participant’s change in small business lending as

of June 30, 2013 by the average loan size the participant reported on its SBLF lending survey for the year ended June 30, 2012

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

$1.0 $0.9 $0.8

$0.5

$0.3 $0.2

$1.8

$2.8

$2.6

$1.5

$1.0

$0.6

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

$3.0

Midwest

(n=90)

Southwest

(n=44)

Southeast

(n=72)

Mid‐Atlantic

(n=51)

West

(n=36)

Northeast

(n=22)

$ in Billions

Axis Title SBLF Funds Outstanding Change in Small Business Lending

4,800

10,700

2,600 13,500

11,700

3,500

Southwest

(n=44)

Southeast

(n=72)

Northeast

(n=22)

Midwest

(n=90)

Mid‐Atlantic

(n=51)

West

(n=36)
10

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 510 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 6,090

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.

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 the peer group shows a smaller

median increase and the comparison group shows a decrease in such lending.  

Overall Changes in Business Lending and Other Lending

Comparing the level of loans outstanding as of June 30, 2013 to their baseline levels, SBLF banks

increased business lending by a median of 48.2 percent, versus a 10.3 percent median increase for the

peer group and a 5.3 percent median increase for the comparison group.  In addition to increasing

business lending, SBLF banks increased other types of lending by a median of 27.4 percent over baseline

levels, versus a median increase of 2.6 percent among the peer group and 3.6 percent decrease among

the comparison group.

The following graph shows changes in business lending and other lending by SBLF banks, the peer group,

and the comparison group.

Changes in Business Lending and Other Lending

(Reported as of June 30, 2013)

   

48.2%

27.4%

10.3%

2.6%

5.3%

‐3.6% ‐10%

0%

10%

20%

30%

40%

50%

Median

Business Lending Other Lending

Change in Lending by Loan Category

over Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
11

Distribution of Changes in Business Lending

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

significant increases in business lending.  In total, 88 percent of banks participating in SBLF have

increased their business lending by 10 percent or more versus 51 percent for the peer group and 44

percent for the comparison group.  Thirty‐seven percent of the peer group and 43 percent of the

comparison group have reduced business lending versus 6 percent of SBLF bank participants.

Distribution of Changes in Business Lending  

(Reported as of June 30, 2013)

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 72 percent with a standard deviation of

70 percentage points.10  The peer group of non‐SBLF banks increased business lending by a mean of 26

percent with a standard deviation of 53 percentage points while the comparison group increased

business lending by a mean of 14 percent with a standard deviation of 44 percentage points.   

   

                                                            

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

fifth percentile is set to the value of the fifth percentile and all data above the 95th percentile is set to the value of the 95th

percentile).  Winsorization is a statistical transformation used to limit the effect of extreme values in a sample.  The standard

deviation is a measure of the variation of data points from their mean.  In these results, the large standard deviations indicate

that the percentage increases in business lending by SBLF banks and the peer and comparison groups are distributed over a

large range of values and not concentrated around the mean.   

3% 3% 5%

11%

20%

57%

24%

14% 12% 11%

15%

25%

31%

13% 13% 11%

14%

19%

0%

10%

20%

30%

40%

50%

60%

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
12

Changes in Business Lending by Regional Geography

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

peer group and the comparison group reported smaller median increases.  The following graph

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

across six regions.

   

Changes in Business Lending by Regional Geography

(Reported as of June 30, 2013)

Changes in Business Lending by Institution Size

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

business lending while both the peer group and 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.

   

40%

76%

59%

49% 46% 48% 48%

9%

16%

5%

15%

8%

17%

10%

6% 10%

‐4%

7%

2%

17%

5%

‐10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Midwest Southwest Southeast Mid‐Atlantic West Northeast Overall

Median Change in Business Lending over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
13

Changes in Business Lending by Institution Size

(Reported as of June 30, 2013)

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 reported smaller median

increases or no change.  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, 2013)

57%

50%

38%

32%

48%

9% 9%

20%

10% 10%

6% 4% 3% 5% 5%

0%

10%

20%

30%

40%

50%

60%

$7.0 ‐ $249 Million $250 ‐ $499

Million

$500 ‐ $999

Million

Median

$1.0 ‐ $6.4 Billion Overall

Change in Business Lending over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group

Size by Total Assets

42%

57%

30%

42%

48%

8% 11%

8% 7%

10%

0%

2% 3%

13%

5%

‐10%

0%

10%

20%

30%

40%

50%

60%

Commercial &

Industrial

Owner Occupied

CRE

Agricultural

Production

Farmland Overall

Median Change in Loan Category over

Baseline Levels (%)

SBLF Banks Peer Group Comparison Group
14

Changes in Business Lending by Financial Condition

Across all ranges of financial condition as measured by Texas ratio11, SBLF banks reported median

increases in business lending while both the peer group and comparison group reported smaller median

increases or median decreases.  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, 2013)

   

                                                            

11 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.

88%

49%

31% 31%

48%

21%

9% 9%

0%

10%

16%

10% 5%

‐10%

5%

‐20%

0%

20%

40%

60%

80%

100%

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
15

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 124 institutions that

repaid a CPP investment in connection with an SBLF closing and continue to participate in the program.

Small Business Lending Increases by Former CPP Participants

In total, institutions that received CPP funding and refinanced these investments reported a $4.5 billion

increase in small business lending over baseline levels, with a median increase of 24.3 percent.  By

comparison, these institutions would have needed to increase small business lending by at least $2.7

billion in aggregate to achieve the maximum program incentive (as defined previously).

To date, 89 percent of institutions that refinanced CPP investments have increased their small business

lending over baseline levels and 80 percent have increased their small business lending by 10 percent or

more.  Of the 14 institutions (11 percent) that report decreases in small business lending over baseline

levels, four have increased lending by $24.7 million since receiving SBLF funding but report an aggregate

decrease in small business lending of $47.8 million because of decreases in lending that occurred in the

period between the baseline and Treasury’s investment.

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 43.7 percent

since their initial receipt of CPP funding from Treasury.  These participants also reported that their

business lending has increased by a median of 31.1 percent since the baseline period.  The peer group of

non‐SBLF banks reported a median increase in business lending of 15.9 percent since the reporting date

following the CPP closings and the comparison group reported a median increase in business lending of

9.6 percent over the same period.  Since the baseline period, the peer group has increased business

lending by a median of 10.3 percent and the comparison group has increased business lending by 5.3

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.
16

Changes in Business Lending by Former CPP Participants12

(Reported as of June 30, 2013)

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, 2013, banks

that refinanced CPP capital pay an average dividend or interest rate of 1.8 percent on SBLF funding,

whereas other bank participants pay an average rate of 1.3 percent.13

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

   

                                                            

12 For the 124 former CPP participants, the median increase in business lending reflected in the first column is measured from

the first reporting date after each participant received its initial CPP capital to June 30, 2013.  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, 2013 for this calculation.  This calculation excludes two

SBLF participants that were former CPP participants but were subsequently acquired following the receipt of SBLF funding. 13 These figures are adjusted to account for differences in the rates paid by subchapter S corporations and mutual institutions.

43.7%

31.1%

15.9%

9.6% 10.3%

5.3%

0%

10%

20%

30%

40%

50%

Change in Business Lending Since Initial

Treasury Investment

Change in Business Lending Since Baseline

Median Change in Business Lending over

Initial Levels (%)

CPP Refinance Participants Peer Group Comparison Group
17

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, 2013, 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, 2013 and the baseline period, unless otherwise specified.  

The baseline is calculated as the average of the applicable loan amounts that the institution reported for

each of the four calendar quarters ended June 30, 2010.

Measurement of Small Business Lending

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

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

and presented in summary form in the “Increases in Small Business Lending Over Baseline Levels”

section of this report.   

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

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

• Commercial and industrial loans

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

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

• Loans secured by farmland (“farmland”)

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

relating to net charge‐offs and portions of loans guaranteed by the U.S. government or for which risk

has been assumed by third parties, as well as mergers and acquisitions and purchases of loans.

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

outstanding as of June 30, 2013 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, 2013.   

Participants are required to revise prior period submissions of small business lending data if inaccuracies

are identified.  Treasury publishes this updated information quarterly in its Report on SBLF Participants’

Small Business Lending Growth (previously titled the SBLF Use of Funds Report).  This report includes

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

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

each report including the most recent available data for the then‐current period as well as all prior

periods.  Because the most recent information available for all periods is included in each quarterly

report, Treasury does not generally revise prior period reports to reflect these resubmissions.   

Institution‐specific reporting on changes in small business lending by SBLF participants is presented in

Appendix C.   
18

Measurement of Business Lending and Other Lending

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

participants relative to (i) a representative peer group of 510 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 6,090 similarly‐sized community banks that are located in one of the 44 states in which SBLF

banks are headquartered and that engaged in business lending.  The report also analyzes changes in

business lending for the subset of SBLF banks that refinanced into the program from Treasury’s Capital

Purchase Program (CPP).

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

groups, Treasury accessed information from SNL Financial, a private financial database that contains

publicly‐filed regulatory and financial reports.   

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

referenced in the definition of small business lending without exclusions for loans to businesses over

$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 March

31, 2013, 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, 2013 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, 2013.  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, 2013.

   

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

31, 2012, many thrifts reported lending on Thrift Financial Reports (TFRs), rather than the Call Reports

used by banks.  Call Reports segment nonfarm, nonresidential real estate loans into separate owner‐

occupied and non‐owner occupied categories, and only those loans classified as owner‐occupied are

eligible for inclusion in business lending.  This distinction, however, is not readily accessible in TFR filings.  

To adjust for this difference, the analysis in this report calculates owner‐occupied nonfarm,

nonresidential real estate as a percentage of total nonfarm, nonresidential real estate as of March 31,

2012 for each thrift institution.  The resulting percentage is applied to nonfarm, nonresidential real

estate loan balances from TFRs filed prior to March 31, 2012, including those used in the calculation of
19

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.  

Calculation of Median Changes in Lending

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

percentage change in lending.  The median measure is used for these comparisons because it more

closely describes the lending activities of the typical institution in each group than would a calculation of

the arithmetic mean (which is subject to skew by outlying measures) or the weighted average (which is

subject to concentration effects, given the distribution of institution asset sizes within the SBLF

portfolio).  Institutions that report a baseline value of zero for the relevant measure are excluded from

the median calculation.

   

Selection of Non‐SBLF Bank Comparison Group and Peer Group

In describing changes in business lending, this report compares the group of 265 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 6,090 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.   

Institutions are removed from the comparison group if they are merged into another institution or

closed.  As of June 30, 2013, a total of 327 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 510 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.   
20

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

percent would be matched with the two, Ohio‐based banks in the $500 to $999 million asset size

category that have Texas ratios closest to 20 percent.   

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

in the peer group more than once.  Instead, the peer is assigned to the SBLF bank with the closest

Texas ratio and the other SBLF bank is assigned to its next closest peer.   

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

peer group if (i) the corresponding SBLF bank fully redeems its SBLF securities and exits the

program or (ii) in the case of the acquisition of the peer, its merger into another institution, or

closure.  As of June 30, 2013, a total of 28 institutions have been removed from the peer group as

a result of SBLF participants exiting the program and 24 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 265 510 6090

Increase in business lending (median) 48.2% 10.3% 5.3%

Increase in other lending (median) 27.4% 2.6% ‐3.6%

Assets ($000s)

Median $308,873 $292,854 $145,312

Mean $579,264 $497,566 $309,638

Texas Ratio

Median 14.8% 15.7% 17.1%

Mean 17.5% 19.5% 30.0%

Region (% of institutions)

Midwest 27.9% 28.4% 45.2%

Northeast 18.9% 19.4% 9.5%

South 38.9% 38.4% 37.0%

West 14.3% 13.7% 8.2%

Summary of the Characteristics of SBLF Banks, the Peer Group, and the Comparison Group
21

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.14  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 C for

institution‐specific reporting of small business lending by SBLF participants.

                                                            

14 In this analysis, the point of SBLF investment is defined as Q2 2011 and is measured as the change in lending between June

30, 2011 and June 30, 2013.  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.   

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

Increase in Small Business Lending ($ in Billions) $0.8 $2.0 $2.4 $3.9 $4.6 $6.0 $6.1 $7.5

Change in Small Business Lending (# of Participants)

Under 2.5% or Reduced 183 125 117 74 69 51 54 41

2.5 to 4.9% Increase 48 35 34 22 24 17 17 9

5.0 to 7.4% Increase 40 39 26 33 25 16 19 11

7.5 to 9.9% Increase 17 24 21 31 22 23 21 12

10.0% or Greater Increase 44 109 134 171 186 213 206 242

Participant Changes in Qualified Small Business Lending Since Initial SBLF Investments (Q2 2011)
22

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 June 2013 and the methodology described in Appendix A.

SBLF

Banks

Peer

Group

Comparison

Group

Number of institutions 265 508 6082

Changes in Business and Other Lending

Increase in Business Lending (median) 28.5% 7.2% 3.7%

Increase in Other Lending (median) 19.8% 4.6% 0.1%

Increase in Business Lending (mean) 37.0% 13.5% 7.4%

Increase in Business Lending (standard dev.) 33.6% 31.3% 27.2%

Increase in Business Lending by 10% or more 82.3% 44.1% 38.7%

Reduction in Business Lending 7.9% 35.0% 42.8%

Distribution of Changesin Business Lending

10.0% or Greater Decrease 3.0% 21.3% 25.6%

0.1% to 9.9% Decrease 4.9% 13.8% 17.2%

0.0% to 9.9% Increase 9.8% 20.9% 18.6%

10.0% to 19.9% Increase 21.1% 16.1% 14.5%

20.0% to 39.9% Increase 25.7% 13.8% 13.0%

40.0% or Greater Increase 35.5% 14.2% 11.2%

Changes in Business Lending by Regional Geography

Midwest 21.7% 5.4% 4.9%

Southwest 43.5% 10.7% 8.4%

Southeast 31.2% 4.5% ‐3.6%

Mid‐Atlantic 30.8% 8.6% 2.4%

West 28.3% 9.1% 3.3%

Northeast 27.8% 12.1% 9.9%

Changes in Business Lending by Institution Size

$7.0 to $249 Million 32.5% 5.5% 4.0%

$250 to $499 Million 29.2% 5.0% 2.6%

$500 to $999 Million 18.1% 10.9% 3.7%

$1.0 to $6.4 Billion 27.3% 9.6% 3.7%

Changes in Business Lending by Loan Category

Commercial & Industrial 27.2% 7.1% 2.3%

Owner‐Occupied CRE 29.3% 4.0% ‐1.1%

Agricultural Production 21.0% 2.5% 4.6%

Farmland 20.0% 2.7% 6.2%

Changes in Business Lending by Texas Ratio

Less than 10% 38.4% 9.8% 9.4%

10.0% to 19.9% 25.8% 5.6% 7.0%

20.0% to 29.9% 24.7% 7.4% 4.0%

30.0% or Greater 22.2% 3.9% ‐5.3%

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since SBLF Investment 18.8% 7.2% 3.7%

Measurement of Lending by SBLF Banks, Peer Group, and Comparison Group Since Initial SBLF Investments (Q2 2011)
23

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

SBLF PARTICIPANTS

   
Institutions Participating in SBLF

Report on Information from 6/30/2013 Quarterly Supplemental Reports transmitted with October 2013 Lending Growth Report

Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 288,340,000 46,550,000 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 50,872,000 11,801,000 

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 654,406,000 1,343,334,000 688,928,000 

Southern National Corporation Andalusia AL Bank 4,500,000 155,408,000 194,345,000 38,937,000 

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 78,209,000 24,621,000 

First Service Bancshares, Inc. Greenbrier AR Bank 7,716,000 73,164,000 66,154,000 (7,010,000) 

Liberty Bancshares, Inc. Jonesboro AR Bank 52,500,000 619,989,000 608,259,000 (11,730,000) 

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 109,910,000 53,702,000 

Western Alliance Bancorporation Phoenix AZ Bank 141,000,000 1,662,518,000 1,875,855,000 213,337,000 1st Enterprise Bank Los Angeles CA Bank 16,400,000 88,154,000 255,863,000 167,709,000 

Banc of California, Inc. (First PacTrust Bancorp, Inc.) Irvine CA Bank 32,000,000 141,197,000 171,954,000 30,757,000 

Bank of Commerce Holdings Redding CA Bank 20,000,000 211,659,000 263,223,000 51,564,000 

California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 174,064,000 100,499,000 

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 60,183,000 43,725,000 

Central Valley Community Bancorp Fresno CA Bank 7,000,000 235,351,000 206,157,000 (29,194,000) 

Community Valley Bank El Centro CA Bank 2,400,000 13,645,000 31,182,000 17,537,000 

First Northern Community Bancorp Dixon CA Bank 12,847,000 225,762,000 232,294,000 6,532,000 

FNB Bancorp South San Francisco CA Bank 9,450,000 149,634,000 131,070,000 (18,564,000) 

Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 52,259,000 16,860,000 

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 115,806,000 33,813,000 

Pacific Coast Bankers' Bancshares San Francisco CA Bank 11,960,000 42,624,000 27,848,000 (14,776,000) Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 62,271,000 7,542,000 

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 52,457,000 9,183,000 

Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 56,993,000 10,905,000 

Seacoast Commerce Bank Chula Vista CA Bank 4,000,000 45,347,000 84,618,000 39,271,000 

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 220,709,000 55,728,000 

Silvergate Capital Corporation La Jolla CA Bank 12,427,000 9,115,000 13,461,000 4,346,000 

Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 99,019,000 16,285,000 

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 52,836,000 30,060,000 

The Private Bank of California Los Angeles CA Bank 10,000,000 69,125,000 140,227,000 71,102,000 

CIC Bancshares, Inc. Denver CO Bank 1,772,000 67,982,000 108,882,000 40,900,000 

CoBiz Financial Inc. Denver CO Bank 57,366,000 740,718,000 856,661,000 115,943,000 

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 44,150,000 85,071,000 40,921,000 

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 31,514,000 4,133,000 

Steele Street Bank Corporation Denver CO Bank 11,350,000 65,842,000 109,174,000 43,332,000 

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 74,929,000 8,929,000 

BNC Financial Group, Inc. New Canaan CT Bank 10,980,000 28,259,000 141,312,000 113,053,000 

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 77,732,000 109,472,000 31,740,000 

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,899,000 51,987,000 17,088,000 

Community Bank Delaware Lewes DE Bank 4,500,000 30,078,000 34,288,000 4,210,000 

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 108,957,000 43,383,000 

Broward Financial Holdings, Inc. Fort Lauderdale FL Bank 3,134,000 14,233,000 54,643,000 40,410,000 

CBOS Bankshares, Inc. Merritt Island FL Bank 3,893,000 46,283,000 32,391,000 (13,892,000) 

Community Southern Bank Lakeland FL Bank 5,700,000 28,611,000 49,568,000 20,957,000 

Institution

Bank or CDLF? SBLF Funding Outstanding Qualified Small Business Lending as of 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 70,894,000 45,185,000 

First Green Bancorp, Inc. (First Green Bank) Eustis FL Bank 4,727,000 30,339,000 82,262,000 51,923,000 

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 98,486,000 143,499,000 45,013,000 

Florida Community Bankshares, Inc. Ocala FL Bank 17,000,000 158,498,000 130,434,000 (28,064,000) 

Florida Shores Bancorp, Inc. Pompano Beach FL Bank 12,750,000 88,898,000 138,686,000 49,788,000 

Florida Traditions Bank Dade City FL Bank 8,800,000 61,282,000 127,537,000 66,255,000 

Gulfstream Bancshares, Inc. Stuart FL Bank 7,500,000 283,018,000 245,280,000 (37,738,000) 

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 17,002,000 4,704,000 

Jefferson Bank of Florida Oldsmar FL Bank 3,367,000 13,891,000 36,399,000 22,508,000 

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 38,907,000 27,634,000 

Ovation Holdings, Inc. Naples FL Bank 5,000,000 22,467,000 54,251,000 31,784,000 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 189,305,000 22,558,000 

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 53,362,000 12,148,000 

Resurgens Bancorp Atlanta GA Bank 2,967,000 18,065,000 29,596,000 11,531,000 

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 9,134,000 3,191,000 

Commercial Financial Corp Storm Lake IA Bank 18,000,000 225,764,000 267,748,000 41,984,000 

Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,005,993,000 1,110,681,000 104,688,000 Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,761,000 85,871,000 18,110,000 

Two Rivers Financial Group, Inc. Burlington IA Bank 17,430,000 205,708,000 197,715,000 (7,993,000) 

D. L. Evans Bancorp Burley ID Bank 22,391,000 350,577,000 354,176,000 3,599,000 

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 17,615,000 2,703,000 Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 52,195,000 80,191,000 27,996,000 

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 88,929,000 10,020,000 

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 147,290,000 187,584,000 40,294,000 

First Busey Corporation Champaign IL Bank 72,664,000 555,684,000 563,257,000 7,573,000 

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 37,779,000 4,978,000 

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 68,362,000 27,050,000 

First Robinson Financial Corporation Robinson IL Bank 4,900,000 36,324,000 52,319,000 15,995,000 

Fisher Bancorp, Inc. Fisher IL Bank 500,000 15,062,000 20,886,000 5,824,000 

Heartland Bancorp, Inc. Bloomington IL Bank 25,000,000 584,542,000 600,989,000 16,447,000 

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 84,439,000 24,251,000 

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,311,000 77,007,000 19,696,000 

People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 156,638,000 26,652,000 

Prime Banc Corp. Dieterich IL Bank 10,000,000 98,266,000 118,844,000 20,578,000 

QCR Holdings, Inc. Moline IL Bank 29,867,000 559,120,000 497,959,000 (61,161,000) 

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 217,807,000 93,977,000 

Southern Illinois Bancorp, Inc. Carmi IL Bank 9,000,000 92,975,000 135,315,000 42,340,000 

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 126,139,000 34,990,000 

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 153,315,000 201,957,000 48,642,000 

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 260,066,000 288,693,000 28,627,000 

AMB Financial Corp. Munster IN Bank 3,858,000 22,233,000 24,913,000 2,680,000 

Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 187,861,000 215,879,000 28,018,000 

First Merchants Corporation Muncie IN Bank 68,087,000 1,354,910,000 1,086,968,000 (267,942,000) 

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 58,334,000 90,159,000 31,825,000 

Horizon Bancorp Michigan City IN Bank 12,500,000 189,998,000 222,469,000 32,471,000 

MutualFirst Financial, Inc. Muncie IN Bank 21,692,000 182,945,000 169,761,000 (13,184,000) 

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 24,696,000 1,653,000 

Brotherhood Bancshares, Inc. Kansas City KS Bank 16,000,000 55,235,000 40,669,000 (14,566,000) 

CB Bancshares Corp. Weir KS Bank 190,000 1,222,000 1,086,000 (136,000) 

Equity Bancshares, Inc. Wichita KS Bank 16,372,000 274,732,000 315,573,000 40,841,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 44,213,000 13,022,000 

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 25,648,000 11,433,000 

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 154,451,000 213,546,000 59,095,000 

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 70,661,000 (7,988,000) Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 31,822,000 1,191,000 

Community Trust Financial Corporation Ruston LA Bank 48,260,000 359,389,000 539,818,000 180,429,000 

First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 180,281,000 224,088,000 43,807,000 

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 370,388,000 506,533,000 136,145,000 

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 393,866,000 480,784,000 86,918,000 

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 142,925,000 198,137,000 55,212,000 

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,272,000 132,545,000 28,273,000 

Hyde Park Bancorp, Inc. Hyde Park MA Bank 18,724,000 27,812,000 42,663,000 14,851,000 

Island Bancorp, Inc. Edgartown MA Bank 4,000,000 23,581,000 36,558,000 12,977,000 

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 57,857,000 27,459,000 

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 41,202,000 59,980,000 18,778,000 

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 136,135,000 51,833,000 

Rockport National Bancorp, Inc. Rockport MA Bank 3,000,000 37,136,000 43,235,000 6,099,000 

StonehamBank, A Co‐operative Bank Stoneham MA Bank 13,813,000 46,880,000 92,475,000 45,595,000 

Eagle Bancorp, Inc. Bethesda MD Bank 56,600,000 413,330,000 679,302,000 265,972,000 

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 120,455,000 163,933,000 43,478,000 

Monument Bank Bethesda MD Bank 11,355,000 34,983,000 52,115,000 17,132,000 

Tri‐County Financial Corporation Waldorf MD Bank 20,000,000 244,812,000 281,326,000 36,514,000 

Katahdin Bankshares Corp. Houlton ME Bank 11,000,000 138,863,000 176,825,000 37,962,000 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 53,913,000 20,120,000 

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 397,549,000 199,350,000 

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 32,686,000 11,216,000 

Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 94,054,000 168,036,000 73,982,000 

Valley Financial Group, Ltd. Saginaw MI Bank 2,000,000 73,968,000 87,899,000 13,931,000 

Financial Services of Winger, Inc. Fosston MN Bank 4,069,000 60,984,000 82,163,000 21,179,000 

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 171,141,000 21,839,000 

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 24,950,000 34,772,000 9,822,000 

McLeod Bancshares, Inc. Shorewood MN Bank 6,000,000 64,344,000 50,436,000 (13,908,000) MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 71,952,000 83,718,000 11,766,000 

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 45,123,000 51,160,000 6,037,000 

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 77,720,000 24,710,000 

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 76,459,000 13,869,000 

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 42,214,000 (4,704,000) 

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 201,374,000 299,349,000 97,975,000 

Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 98,984,000 123,677,000 24,693,000 

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 177,012,000 214,915,000 37,903,000 

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 188,556,000 234,621,000 46,065,000 

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,501,000 53,857,000 23,356,000 

BankFirst Capital Corporation Macon MS Bank 15,000,000 176,916,000 185,881,000 8,965,000 

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS Bank 32,914,000 633,113,000 675,797,000 42,684,000 

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 7,080,000 3,748,000 

First Bancorp Troy NC Bank 63,500,000 496,528,000 578,080,000 81,552,000 

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 165,350,000 111,671,000 

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC Bank 20,500,000 353,772,000 365,353,000 11,581,000 

Premara Financial, Inc. Charlotte NC Bank 6,238,000 51,862,000 62,229,000 10,367,000 

Providence Bank Rocky Mount NC Bank 4,250,000 30,302,000 38,616,000 8,314,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

Select Bancorp, Inc. Greenville NC Bank 7,645,000 30,424,000 58,272,000 27,848,000 

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,662,000 48,854,000 10,192,000 

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 280,617,000 449,717,000 169,100,000 

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 154,511,000 244,776,000 90,265,000 

Adbanc Inc. Ogallala NE Bank 21,905,000 250,743,000 302,048,000 51,305,000 

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 71,036,000 20,718,000 

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 139,696,000 168,380,000 28,684,000 

The State Bank of Bartley Bartley NE Bank 2,380,000 27,962,000 39,901,000 11,939,000 

Centrix Bank & Trust Bedford NH Bank 24,500,000 234,642,000 336,517,000 101,875,000 

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 79,447,000 17,471,000 

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 92,056,000 16,735,000 

New Hampshire Thrift Bancshares, Inc. Newport NH Bank 23,000,000 145,102,000 184,314,000 39,212,000 

Northway Financial, Inc. Berlin NH Bank 23,593,000 109,533,000 147,591,000 38,058,000 

Center Bancorp, Inc. Union NJ Bank 11,250,000 230,584,000 269,326,000 38,742,000 

Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 29,148,000 5,872,000 

Freedom Bank Oradell NJ Bank 4,000,000 32,445,000 57,125,000 24,680,000 Harmony Bank Jackson NJ Bank 3,500,000 15,897,000 44,074,000 28,177,000 

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 63,158,000 29,259,000 

Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 123,470,000 31,136,000 

Regal Bank Livingston NJ Bank 7,000,000 25,872,000 49,256,000 23,384,000 

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 215,045,000 7,120,000 

Two River Bancorp (Community Partners Bancorp) Middletown NJ Bank 12,000,000 173,978,000 196,111,000 22,133,000 

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 110,012,000 62,340,000 

Alma Bank Astoria NY Bank 19,000,000 91,798,000 317,304,000 225,506,000 Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 106,743,000 137,090,000 30,347,000 

Elmira Savings Bank (The Elmira Savings Bank, FSB) Elmira NY Bank 3,515,000 94,555,000 90,208,000 (4,347,000) 

Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 105,477,000 46,655,000 

Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 43,624,000 60,604,000 16,980,000 

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 70,953,000 95,606,000 24,653,000 Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 19,513,000 39,535,000 20,022,000 

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 50,911,000 14,282,000 

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 18,662,000 6,642,000 

Insight Bank Columbus OH Bank 4,250,000 16,410,000 37,106,000 20,696,000 

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 49,202,000 16,030,000 

Central Service Corporation Enid OK Bank 7,000,000 147,930,000 201,984,000 54,054,000 

F & M Bancorporation, Inc. Tulsa OK Bank 38,222,000 290,250,000 662,640,000 372,390,000 

Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 45,007,000 24,047,000 

Regent Capital Corporation Nowata OK Bank 3,350,000 52,719,000 72,550,000 19,831,000 

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 172,112,000 55,428,000 

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 104,749,000 40,030,000 

Centric Financial Corporation Harrisburg PA Bank 7,492,000 50,832,000 83,604,000 32,772,000 

Codorus Valley Bancorp, Inc. York PA Bank 25,000,000 168,440,000 225,613,000 57,173,000 

DNB Financial Corporation Downingtown PA Bank 13,000,000 120,810,000 137,143,000 16,333,000 

Emclaire Financial Corp. Emlenton PA Bank 10,000,000 56,761,000 59,931,000 3,170,000 

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 89,789,000 2,483,000 

First Resource Bank Exton PA Bank 5,083,000 33,001,000 43,543,000 10,542,000 

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Bank 6,955,000 26,190,000 36,723,000 10,533,000 Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 61,638,000 20,818,000 

MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 93,506,000 46,728,000 

Monument Bank Doylestown PA Bank 2,970,000 19,715,000 51,867,000 32,152,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 134,752,000 172,499,000 37,747,000 

Phoenix Bancorp, Inc. Minersville PA Bank 2,625,000 28,520,000 40,919,000 12,399,000 

Team Capital Bank Bethlehem PA Bank 22,412,000 127,646,000 180,001,000 52,355,000 

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 27,184,000 58,195,000 31,011,000 

Valley Green Bank Philadelphia PA Bank 5,000,000 27,493,000 71,858,000 44,365,000 

York Traditions Bank York PA Bank 5,115,000 78,487,000 94,258,000 15,771,000 

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 65,737,000 89,623,000 23,886,000 

GrandSouth Bancorporation Greenville SC Bank 15,422,000 92,718,000 115,317,000 22,599,000 

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 73,274,000 16,695,000 

BHCB Holding Company Rapid City SD Bank 2,000,000 33,830,000 52,235,000 18,405,000 

Avenue Financial Holdings, Inc. Nashville TN Bank 18,950,000 74,788,000 144,676,000 69,888,000 

CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 238,964,000 104,415,000 

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 77,282,000 15,965,000 

Community First Bancshares, Inc. Union City TN Bank 30,852,000 302,286,000 306,439,000 4,153,000 

Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 45,950,000 26,849,000 

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 18,547,000 46,942,000 28,395,000 

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 76,521,000 31,819,000 

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 49,695,000 22,183,000 

Landmark Community Bank Collierville TN Bank 8,000,000 29,258,000 53,813,000 24,555,000 

Magna Bank Memphis TN Bank 18,350,000 51,767,000 79,063,000 27,296,000 

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 2,000,000 19,097,000 21,369,000 2,272,000 

Moneytree Corporation Lenoir City TN Bank 9,992,000 69,543,000 78,610,000 9,067,000 Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 150,359,000 187,960,000 37,601,000 

Sequatchie Valley Bancshares, Inc. Dunlap TN Bank 2,500,000 43,802,000 20,981,000 (22,821,000) 

SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 37,009,000 69,056,000 32,047,000 Southern Heritage Bancshares, Inc. Cleveland TN Bank 5,105,000 58,099,000 69,125,000 11,026,000 

Sumner Bank & Trust GALLATIN TN Bank 4,264,000 27,039,000 29,594,000 2,555,000 

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 75,752,000 182,833,000 107,081,000 

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 12,823,000 4,802,000 

BOH Holdings, Inc. Houston TX Bank 23,938,350 200,835,000 294,311,000 93,476,000 

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 96,606,000 57,271,000 

First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 255,215,000 117,363,000 

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 64,697,000 154,417,000 89,720,000 

FVNB Corp. Victoria TX Bank 18,000,000 668,934,000 758,650,000 89,716,000 

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 436,374,000 521,962,000 85,588,000 

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Bank 114,068,000 1,018,287,000 1,051,858,000 33,571,000 

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 50,985,000 10,263,000 

Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 44,807,000 28,151,000 

McLaughlin Bancshares, Inc. Ralls TX Bank 6,600,000 47,152,000 73,097,000 25,945,000 

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 26,496,000 58,828,000 32,332,000 

Southwestern Bancorp, Inc. Boerne TX Bank 1,500,000 22,454,000 28,082,000 5,628,000 

Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 229,247,000 45,984,000 

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 53,847,000 22,705,000 

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 482,375,000 79,681,000 

Third Coast Bancshares, Inc. (Third Coast Bank SSB) Humble TX Bank 8,673,000 57,861,000 146,314,000 88,453,000 

Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 215,377,000 114,458,000 

Cache Valley Banking Company Logan UT Bank 11,670,000 151,344,000 186,235,000 34,891,000 

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 2,612,000 2,598,000 

Medallion Bank Salt Lake City UT Bank 26,303,000 229,336,000 395,614,000 166,278,000 

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 18,920,000 21,470,000 2,550,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 41,906,000 3,386,000 

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 79,399,000 10,432,000 

TowneBank Portsmouth VA Bank 76,458,000 814,570,000 977,985,000 163,415,000 

United Financial Banking Companies, Inc. Vienna VA Bank 3,000,000 76,307,000 88,623,000 12,316,000 

Virginia Heritage Bank Fairfax VA Bank 15,300,000 85,644,000 140,970,000 55,326,000 

WashingtonFirst Bankshares, Inc. Reston VA Bank 17,796,000 199,484,000 280,799,000 81,315,000 

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 82,147,000 186,069,000 103,922,000 

Puget Sound Bank Bellevue WA Bank 9,886,000 102,984,000 133,268,000 30,284,000 

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 58,462,000 18,578,000 

W.T.B. Financial Corporation Spokane WA Bank 44,571,000 878,103,000 993,837,000 115,734,000 

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 428,649,000 49,094,000 

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 20,670,000 24,467,000 3,797,000 

First American Investment, Inc. Hudson WI Bank 1,705,710 20,445,000 26,798,000 6,353,000 

First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 64,278,000 84,360,000 20,082,000 

Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 360,839,000 397,524,000 36,685,000 

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 161,798,000 23,351,000 

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 25,844,000 30,600,000 4,756,000 

Sword Financial Corporation Horicon WI Bank 17,000,000 194,468,000 245,294,000 50,826,000 

First Bank of Charleston Inc. Charleston WV Bank 3,345,000 24,923,000 29,817,000 4,894,000 

MVB Financial Corp. Fairmont WV Bank 8,500,000 53,681,000 130,818,000 77,137,000 

Financial Security Corporation Basin WY Bank 5,000,000 67,715,000 85,977,000 18,262,000 

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 7,695,000 (1,850,000) Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 55,359,000 28,764,000 

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 4,391,000 1,918,000 Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 15,029,000 9,094,000 

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 10,092,000 3,988,000 

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 9,581,000 28,122,000 18,541,000 

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 8,054,000 2,333,000 

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 1,163,000 405,000 

Building Hope... A Charter School Facilities Fund Washington DC CDLF 2,091,000 23,190,000 36,389,000 13,199,000 

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 6,065,000 1,177,000 

Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 7,824,000 5,051,000 

IFF Chicago IL CDLF 8,294,000 108,261,000 135,637,000 27,376,000 

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 8,004,000 4,553,000 

Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 6,970,000 2,833,000 

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 13,012,000 1,634,000 

Capital Link, Inc. Boston MA CDLF 198,000 1,420,000 5,555,000 4,135,000 

Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc.Holyoke MA CDLF 200,000 3,526,000 3,760,000 234,000 

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 13,599,000 4,750,000 

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 24,057,000 6,417,000 Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 60,645,000 46,223,000 (14,422,000) 

Midwest Minnesota Community Development Corporation Detroit Lakes MN CDLF 4,600,000 29,638,000 54,582,000 24,944,000 

Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 10,453,000 3,474,000 

Montana Community Development Corporation Missoula MT CDLF 585,000 8,377,000 13,615,000 5,238,000 

Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 3,276,000 1,485,000 

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 3,863,000 2,409,000 

La Fuerza Unida Community Development Corporation East Norwich NY CDLF 42,000 86,000 515,000 429,000 

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 4,209,000 1,991,000 

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 24,882,000 (8,398,000) 

TruFund Financial Services (Seedco Financial Services, Inc.) New York NY CDLF 2,500,000 33,651,000 39,644,000 5,993,000 
Name City State Baseline Level Current Level Increase (Decrease)

over Baseline

Institution

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

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 6,956,000 4,228,000 

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 10,164,000 3,659,000 

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 19,579,000 905,000 

Community First Fund Lancaster PA CDLF 862,000 11,002,000 13,721,000 2,719,000 

Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 2,897,000 707,000 The Progress Fund Greensburg PA CDLF 1,052,000 12,109,000 19,711,000 7,602,000 

The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 122,276,000 9,008,000 

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,245,000 1,446,000 

Lowcountry Housing Trust, Incorporated North Charleston SC CDLF 392,000 96,000 565,000 469,000 Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 12,235,000 477,000 

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 9,232,000 (1,884,000) South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 4,740,000 2,254,000 

CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 6,554,000 5,934,000 (620,000) PeopleFund Austin TX CDLF 500,000 6,412,000 7,511,000 1,099,000 ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 2,665,000 1,263,000 

NCB Capital Impact Arlington VA CDLF 8,218,000 95,578,000 127,627,000 32,049,000 

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,695,000 3,908,000 

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 42,028,000 17,920,000 

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 4,153,000 189,000 

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 20,972,000 7,628,000 

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 8,110,000 3,548,000 
24

APPENDIX D: INSTITUTION‐SPECIFIC REPORTING ON BUSINESS LENDING BY SBLF

BANKS
Community Banks Participating in SBLF

Report on Information from 06/30/2013 Call Reports transmitted with October 2013 Lending Growth Report

Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

BancIndependent, Incorporated Sheffield AL Southeast 1,078,260 126,083 110,777 6,105 15,249 258,213 168,030 137,686 

First Partners Bank (SouthCity Bank) Vestavia Hills AL Southeast 169,865 34,442                  ‐ 6,394                      ‐ 40,837 41,594                  

8,000                

ServisFirst Bancshares, Inc. Birmingham AL Southeast 3,140,712 440,705 209,801 25,580 22,243 698,328 1,102,552 623,146 5

Southern National Corporation Andalusia AL Southeast 407,715 42,858 46,952 5,776 59,822 155,408 43,873 52,135 1

Southern States Bancshares, Inc. Anniston AL Southeast 278,921 18,236                ‐ 18,732 943 37,910 37,149 49,851 

First Service Bancshares, Inc. Greenbrier AR Southeast 211,759 20,458 31,269 6,055 16,417 74,199 14,568 24,460 

Liberty Bancshares, Inc. Jonesboro AR Southeast 2,852,726 258,145 402,154 36,465 59,998 756,761 251,444 443,125 3

Rock Bancshares, Inc. Little Rock AR Southeast 202,302 49,812                  ‐ 7,116 1,804 58,732 104,902                  

3,471 

Western Alliance Bancorporation Phoenix AZ Southwest 8,403,951 550,987 1,063,943 186 4,343 1,619,459 1,164,990 1,543,347 

1st Enterprise Bank Los Angeles CA West 716,111 52,170                ‐ 35,416                      ‐ 87,586 156,641              

105,125                

Bank of Commerce Holdings Redding CA West 952,647 133,779 72,044 1,173 7,805 214,800 190,365 78,153 

California Bank of Commerce Lafayette CA West 349,232 60,775 13,291 390 1,632 76,087 126,201 47,038 

Capital Bank San Juan Capistrano CA West 156,899 13,838 11,346 98 295 25,575 14,478                

47,166 

Central Valley Community Bancorp Fresno CA West 870,482 82,216 110,907 18,420 41,356 252,898 73,379 112,114 3

Community Valley Bank El Centro CA West 104,449 11,352                  ‐ 2,293                      ‐ 13,645 10,028 19,648 

First Northern Community Bancorp Dixon CA West 844,664 88,431 116,575 30,680 22,480 258,166 89,534 103,270 2

Banc of California, Inc. Irvine CA West 2,536,595 553                  ‐ 8,525                      ‐ 9,077 110,799                

69,661 

FNB Bancorp South San Francisco CA West 900,793 67,974 69,468 0 5,118 142,560 47,894                

77,586 

Founders Bancorp San Luis Obispo CA West 154,798 24,400                ‐ 11,516 2,218 38,133 23,539                

30,972 

GBC Holdings, Inc. Los Angeles CA West 439,033 48,872                ‐ 64,652 468 113,992 92,460 97,332                

Pacific Coast Bankers' Bancshares San Francisco CA West 613,199 10,701                ‐ 35,168                      ‐ 45,869 13,517                

20,136                

Partners Bank of California Mission Viejo CA West 121,838 40,849                ‐ 13,880                      ‐ 54,729 43,804                

18,796                

ProAmerica (Promerica Bank) Los Angeles CA West 157,884 18,665                ‐ 28,650                      ‐ 47,315 14,975                

42,569                

Redwood Capital Bancorp Eureka CA West 247,306 16,119 28,172 120 2,899 47,311 14,647                

44,363 

Seacoast Commerce Bank Chula Vista CA West 247,318 12,916                ‐ 42,691 456 56,063 2,568              

190,324 

Security California Bancorp Riverside CA West 490,140 112,334                ‐ 67,475                      ‐ 179,809 106,261              

121,041 

Silvergate Capital Corporation La Jolla CA West 642,660 3,408                  ‐ 6,233                      ‐ 9,641 3,420                

10,508                

Summit State Bank Santa Rosa CA West 432,067 40,612 33,151 2,405 24,934 101,101 30,719 45,584 The Bank of Santa Barbara Santa Barbara CA West 157,946 11,319                  ‐ 9,943 1,514 22,776 36,917                

19,753                

The Private Bank of California Los Angeles CA West 656,622 70,098                ‐ 16,855                      ‐ 86,953 129,773                

45,836                

CIC Bancshares, Inc. Greenwood Village CO Southwest 424,856 1,433                        ‐ 21                      ‐ 1,454 56,592                

57,782 

CoBiz Financial Inc. Denver CO Southwest 2,702,956 464,781 390,528 5,703 2,295 863,306 604,276 416,083 Columbine Capital Corp. Buena Vista CO Southwest 315,765 22,300 16,986 221 893 40,399 41,207 43,728 

Morgan Capital Corporation Fort Morgan CO Southwest 144,315 13,330 6,289 4,169 3,950 27,738 16,590 7,843 

Steele Street Bank Corporation Denver CO Southwest 479,904 34,832                ‐ 32,612                      ‐ 67,443 52,746                

58,612                

Verus Acquisition Group, Inc. Fort Collins CO Southwest 265,761 14,365 45,134 88 7,204 66,792 21,562                

55,786 

BNC Financial Group, Inc. New Canaan CT Northeast 652,322 3,378                ‐ 24,882                      ‐ 28,259 58,801                

82,511                

Salisbury Bancorp, Inc. Lakeville CT Northeast 596,977 23,290 49,853 402 5,666 79,211 37,769 71,235 

SBT Bancorp, Inc. Simsbury CT Northeast 382,438 14,128                ‐ 21,168                      ‐ 35,295 13,918                

39,030                

Community Bank Delaware Lewes DE Mid‐Atlantic 141,967 6,962 20,018 574 1,175 28,729 4,530 30,386 

Bank of Central Florida Lakeland FL Southeast 307,195 29,147                ‐ 27,541                      ‐ 56,688 53,829                

55,331 

Broward Financial Holdings, Inc. Fort Lauderdale FL Southeast 150,496                ‐ 14,234                      ‐                      ‐ 14,234 19,195                

35,448                

CBOS Bankshares, Inc. Merritt Island FL Southeast 129,693 5,742                ‐ 40,542                      ‐ 46,283 4,516                

27,976                

Community Southern Bank Lakeland FL Southeast 213,578 13,773 15,059 813 115 29,759 28,729 23,282 FineMark Holdings, Inc. Fort Myers FL Southeast 618,077 12,141 15,375                     ‐ 112 27,628 39,268                

31,264                

First Green Bank Eustis FL Southeast 234,876 6,491                ‐ 23,716 133 30,339 18,103                

63,961 

Florida Business BancGroup, Inc. Tampa FL Southeast 501,230 41,885                ‐ 46,924                      ‐ 88,809 52,971                

97,438 

Florida Community Bankshares, Inc. Ocala FL Southeast 602,887 29,777 56,970 8,266 68,740 163,752 18,464 42,728 

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q2 2013
Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q2 2013

Florida Shores Bancorp, Inc. Pompano Beach FL Southeast 553,924 35,523                ‐ 38,461                      ‐ 73,983 38,162                

97,397 

Florida Traditions Bank Dade City FL Southeast 287,030 30,449 24,910 299 5,624 61,282 56,660 56,847 

Gulfstream Bancshares, Inc. Stuart FL Southeast 570,277 123,553              ‐ 159,465                      ‐ 283,018 99,193              

138,823                

HomeBancorp, Inc. Tampa FL Southeast 792,607 3,043                ‐ 10,343                      ‐ 13,385 4,113                

16,645                

Jefferson Bank of Florida Oldsmar FL Southeast 177,524 9,021                  ‐ 4,870                      ‐ 13,891 19,255                

15,201                

Marquis Bank Coral Gables FL Southeast 194,700 1,427                  ‐ 9,846                      ‐ 11,273 15,872                

24,305                

Ovation Holdings, Inc. Naples FL Southeast 327,976 1,684                  ‐ 8,013                      ‐ 9,698 9,044                

48,166 

Platinum Bank Brandon FL Southeast 440,151 57,110 95,349 222 10,816 163,496 84,340 100,993 

Lowndes Bancshares, Inc. Valdosta GA Southeast 219,755 10,135                ‐ 38,874                      ‐ 49,009 12,092 33,958 

Resurgens Bancorp Atlanta GA Southeast 88,696 8,251                  ‐ 4,870 1,965 15,086 14,674                

13,549 

The Peoples Bank of Talbotton Talbotton GA Southeast 39,347 647                  ‐ 3,191 2,106 5,943 1,732 2,738 

Commercial Financial Corp Storm Lake IA Midwest 489,278 128,275 39,538 38,076 22,656 228,545 133,388 48,171 6

Heartland Financial USA, Inc. Dubuque IA Midwest 5,056,198 453,188 485,865 80,290 194,060 1,213,402 713,959 522,032 15

Liberty Financial Services, Inc. Sioux City IA Midwest 273,254 36,186 17,912 4,466 5,574 64,138 41,020 30,085 

Two Rivers Financial Group, Inc. Burlington IA Midwest 610,786 114,756 65,269 13,984 20,410 214,418 120,620 55,165 1

D. L. Evans Bancorp Burley ID West 977,810 69,464 158,111 107,881 60,654 396,108 84,026 154,571 9

Bancorp Financial, Inc. Oak Brook IL Midwest 473,645 5,790                  ‐ 9,122                      ‐ 14,912 11,015                  

6,475                

Community First Bancorp, Inc. Fairview Heights IL Midwest 207,718 23,850                ‐ 23,424 7,233 54,507 38,956                

39,207 

Community Illinois Corporation Rock Falls IL Midwest 258,486 29,250 10,821 16,703 22,134 78,909 28,252 19,529 1

First Bankers Trustshares, Inc. Quincy IL Midwest 785,381 34,554 53,147 20,504 20,851 129,056 52,748 83,120 2

First Busey Corporation Champaign IL Midwest 3,433,693 313,814 356,714 38,356 57,626 766,509 345,503 314,576 3

First Community Financial Corporation Elgin IL Midwest 171,611 6,337                ‐ 26,075 582 32,993 8,091                

29,773 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 287,918                  ‐ 7,789 7,887 25,857 41,533 17,122 12,911 

First Robinson Financial Corporation Robinson IL Midwest 224,874 14,280 7,658 3,957 8,804 34,699 12,850 20,825 

Fisher Bancorp, Inc. Fisher IL Midwest 95,000 4,244 6,329 2,457 2,741 15,770 3,742 8,043 

Heartland Bancorp, Inc. Bloomington IL Midwest 2,806,015 189,580 219,980 36,243 38,855 484,658 231,276 350,830 4

Illinois State Bancorp, Inc. Chicago IL Midwest 392,499 21,057                ‐ 38,971 160 60,188 18,181                

59,750 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 178,458 35,038                ‐ 20,722                      ‐ 55,760 59,571                

18,814                

People First Bancshares, Inc. Pana IL Midwest 372,147 48,975 9,408 48,716 13,254 120,352 70,346 25,344 6

Prime Banc Corp. Dieterich IL Midwest 524,033 21,310 6,268 9,480 22,344 59,401 28,629 56,068 

QCR Holdings, Inc. Moline IL Midwest 2,473,470 367,351 208,531 2,449 9,305 587,636 355,104 245,718 

Signature Bancorporation, Inc. Chicago IL Midwest 428,187 88,196                ‐ 37,019                      ‐ 125,214 176,024                

60,735                

Southern Illinois Bancorp, Inc. Carmi IL Midwest 388,385 37,465 17,420 18,888 21,392 95,164 52,719 42,929 2Town and Country Financial Corporation Springfield IL Midwest 472,449 34,830 59,359 6,536 5,550 106,274 38,388 94,447 

Tri‐County Financial Group, Inc. Mendota IL Midwest 945,912 23,912 24,883 30,134 35,679 114,608 49,564 49,087 4

United Community Bancorp, Inc. Chatham IL Midwest 1,263,414 98,783 95,660 47,661 74,408 316,511 133,876 87,887 4

AMB Financial Corp. Munster IN Midwest 178,891 7,638                ‐ 14,191                      ‐ 21,829 7,812                

15,655 

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 836,417 87,840 88,791 690 4,709 182,030 102,844 103,479 

First Merchants Corporation Muncie IN Midwest 4,324,820 673,225 515,331 115,882 147,472 1,451,909 657,764 436,253 10

First Savings Financial Group, Inc. Clarksville IN Midwest 647,566 26,351                ‐ 39,403                      ‐ 65,754 24,546 58,934 

Horizon Bancorp Michigan City IN Midwest 1,785,138 63,712 84,200 3,279 7,424 158,615 90,259 139,190 

MutualFirst Financial, Inc. Muncie IN Midwest 1,408,643 71,501              ‐ 108,819                      ‐ 180,319 67,565 92,937 

Bern Bancshares, Inc. Bern KS Midwest 78,791 4,671 46 14,941 3,145 22,803 3,827 675 1

Brotherhood Bancshares, Inc. Kansas City KS Midwest 535,618 42,681                ‐ 28,067 3,673 74,420 25,722                

16,667 

CB Bancshares Corp. Weir KS Midwest 12,048                     ‐ 819 263 299 1,382 345 517 

Equity Bancshares, Inc. Wichita KS Midwest 1,188,454 72,242 44,546 7,028 5,075 128,891 137,563 152,440 1

Freedom Bancshares, Inc. Overland Park KS Midwest 153,266 17,081                ‐ 18,667                      ‐ 35,748 29,602                

23,972                

Osborne Investments, Inc. Osborne KS Midwest 55,652 1,549 451 9,025 4,697 15,722 3,151 2,063 1UBT Bancshares, Inc. Marysville KS Midwest 542,745 41,004 27,943 44,044 63,137 176,128 49,705 21,546 5

FCB Bancorp, Inc. Louisville KY Midwest 475,712 27,761                ‐ 54,823 56 82,640 17,567                

51,006 

Magnolia Bancshares Inc. Hodgenville KY Midwest 137,282 6,246 10,176 2,066 14,930 33,419 6,776 16,963 

Community Trust Financial Corporation Ruston LA Southwest 3,138,189 294,044 150,315 1,480 24,990 470,828 904,045 249,578 

First Guaranty Bancshares, Inc. Hammond LA Southwest 1,420,910 85,481 82,769 17,727 12,111 198,087 136,177 146,503 2

First NBC Bank Holding Company New Orleans LA Southwest 3,022,048 288,580              ‐ 212,783 261 501,625 707,913              

373,214 

MidSouth Bancorp, Inc. Lafayette LA Southwest 1,861,405 185,803 126,929 6,367 3,019 322,119 371,032 208,401 2
Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q2 2013

Ouachita Bancshares Corp. Monroe LA Southwest 627,981 47,682 73,761 14,288 9,163 144,892 68,126 95,837 1

Progressive Bancorp, Inc. Monroe LA Southwest 459,534 54,604 42,050 1,671 7,976 106,300 49,747 43,456 1

Hyde Park Bancorp, Inc. Hyde Park MA Northeast 1,206,285 1,142                     ‐ 542                      ‐ 1,684 91,268                

15,525                

Island Bancorp, Inc. Edgartown MA Northeast 148,947 2,672                ‐ 20,909                      ‐ 23,581 6,011                

30,579                

Leader Bancorp, Inc. Arlington MA Northeast 673,841 7,075                ‐ 24,647                      ‐ 31,722 22,477                

51,867                

New England Bancorp, Inc. Hyannis MA Northeast 201,152 9,707                ‐ 19,019                      ‐ 28,726 29,380                

34,598                

Provident Bancorp, Inc. Amesbury MA Northeast 610,118 17,487                ‐ 70,118 93 87,697 73,613                

85,903 

Rockport National Bancorp, Inc. Rockport MA Northeast 197,587 9,222                ‐ 29,422                      ‐ 38,643 9,022                

35,485                

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 458,509 22,466                ‐ 24,415                      ‐ 46,880 39,779                

52,696                

Eagle Bancorp, Inc. Bethesda MD Mid‐Atlantic 3,395,218 325,046              ‐ 122,093                      ‐ 447,140 678,522              

289,284 

Howard Bancorp, Inc. Ellicott City MD Mid‐Atlantic 414,570 91,705                ‐ 41,681 794 134,180 95,351                

76,406 

Monument Bank Bethesda MD Mid‐Atlantic 402,792 20,990                ‐ 12,522 576 34,088 25,735                

27,281 

Tri‐County Financial Corporation Waldorf MD Mid‐Atlantic 978,630 121,233              ‐ 137,607                      ‐ 258,840 102,320              

192,192                

Katahdin Bankshares Corp. Houlton ME Northeast 607,055 95,319 50,102 3,312 2,706 151,438 121,063 62,926 Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 163,981 15,987                ‐ 17,807                      ‐ 33,793 28,065                

26,637                

Crestmark Bancorp, Inc. Troy MI Midwest 470,981 153,006                  ‐ 1,470                      ‐ 154,475             ‐ 398,226                      

               

Huron Valley State Bank Milford MI Midwest 84,196 5,648                ‐ 16,506 191 22,345 10,449                

23,311 

Level One Bancorp, Inc. Farmington Hills MI Midwest 565,224 39,110                ‐ 24,606                      ‐ 63,716 122,317                

66,797                

Valley Financial Group, Ltd. Saginaw MI Midwest 181,794 38,248                ‐ 36,190 90 74,528 51,144                

40,038 

Financial Services of Winger, Inc. Fosston MN Midwest 135,913 19,628 7,190 25,894 21,040 73,751 22,129 12,021 3

Heritage Bancshares Group, Inc. Willmar MN Midwest 401,196 59,801 32,540 48,486 28,555 169,382 65,762 18,547 5

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 65,482 4,668 9,381 3,475 7,114 24,637 10,072 18,579 

McLeod Bancshares, Inc. Shorewood MN Midwest 426,395 23,330 3,763 5,618 2,780 35,490 15,696 26,764 

MidWest Bancorporation, Inc. Eden Prairie MN Midwest 215,897 35,697                ‐ 18,909                      ‐ 54,606 19,244 11,610 2

Platinum Bancorp, Inc. Oakdale MN Midwest 135,375 19,145                ‐ 27,015 573 46,733 28,727                

28,050 

Redwood Financial, Inc. Redwood Falls MN Midwest 207,907 24,855                ‐ 31,378                      ‐ 56,233 20,030 20,003 2

Cardinal Bancorp II, Inc. Washington MO Midwest 304,917 34,752 29,431 190 5,482 69,855 38,144 34,891 

Fortune Financial Corporation Arnold MO Midwest 144,210 24,461                ‐ 23,534 370 48,366 20,889                

24,199                

Great Southern Bancorp, Inc. Springfield MO Midwest 3,825,090 138,613 136,926 4,079 21,896 301,514 225,323 142,908 

Liberty Bancorp, Inc. Liberty MO Midwest 461,477 23,445                ‐ 53,499                      ‐ 76,944 52,930 70,002 

Security State Bancshares, Inc. Charleston MO Midwest 644,750 56,094 57,781 30,314 49,925 194,113 54,523 57,549 5

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 789,734 52,833 42,934 28,817 26,753 151,336 69,965 87,608 4

Triad Bancorp, Inc. Frontenac MO Midwest 225,159 15,530                ‐ 16,895 820 33,245 29,440                

33,531 

BankFirst Capital Corporation Macon MS Southeast 716,661 58,754 75,633 9,765 42,941 187,093 75,640 77,395 

Bancorp of Montana Holding Company Missoula MT West 47,781 1,208                  ‐ 1,994 444 3,646 7,638                  

2,959 

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC Southeast 1,960,241 42,334                ‐ 51,218 122 93,673 118,672 256,220 

First Bancorp Troy NC Southeast 3,247,059 140,198 279,520 7,734 36,485 463,938 137,794 374,720 1

Live Oak Bancshares, Inc. Wilmington NC Southeast 389,523 27,794                ‐ 73,668                      ‐ 101,462 103,893              

116,874                

Premara Financial, Inc. Charlotte NC Southeast 232,420 15,263                ‐ 23,523                      ‐ 38,786 28,005                

42,625 

Providence Bank Rocky Mount NC Southeast 204,432 14,547 12,644 780 826 28,797 17,210 20,208 

Select Bancorp, Inc. Greenville NC Southeast 265,258 18,588                  ‐ 9,146 1,726 29,459 19,220                

29,939 

Union Bank & Trust Company Oxford NC Southeast 210,344 19,991 15,549 10 3,112 38,662 21,763 19,649 

Alerus Financial Corporation Grand Forks ND Midwest 1,289,511 180,756 65,037 33,489 10,852 290,134 296,695 132,595 3

Western State Agency, Inc. Devils Lake ND Midwest 619,836 97,220 32,153 14,569 6,955 150,896 196,194 20,176 1

Adbanc Inc. Ogallala NE Midwest 575,261 69,479 59,439 77,060 51,676 257,654 73,551 65,756 9

Banner County Ban Corporation Harrisburg NE Midwest 111,574 8,633 2,981 30,815 15,368 57,797 10,831 7,622 3

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 388,943 40,835 24,786 25,570 36,985 128,176 46,252 33,813 3

The State Bank of Bartley Bartley NE Midwest 83,664 13,050 4,465 8,672 2,035 28,221 13,628 5,647 1

Centrix Bank & Trust Bedford NH Northeast 895,031 105,188              ‐ 145,314                      ‐ 250,502 161,724              

204,312                

First Colebrook Bancorp, Inc. Colebrook NH Northeast 260,446 25,654 42,281 569 82 68,585 38,001 46,912 

Guaranty Bancorp, Inc. Woodsville NH Northeast 391,219 37,136 48,710 454 1,988 88,288 35,294 61,485 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,219,331 57,064                ‐ 80,606                      ‐ 137,670 55,154 146,596 

Northway Financial, Inc. Berlin NH Northeast 879,788 44,870                ‐ 67,422                      ‐ 112,292 86,747                

68,240                

Center Bancorp, Inc. Union NJ Mid‐Atlantic 1,604,659 106,353              ‐ 113,588                      ‐ 219,941 182,301                

93,997                

Community Partners Bancorp Middletown NJ Mid‐Atlantic 735,580 48,487              ‐ 135,572 204 184,262 45,117              

158,659 
Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q2 2013

Crest Savings Bancorp, Inc. Wildwood NJ Mid‐Atlantic 392,241 3,201                ‐ 17,693                      ‐ 20,894 5,444                

23,704                

Freedom Bank Oradell NJ Mid‐Atlantic 185,869 14,905                ‐ 17,540                      ‐ 32,445 15,496                

40,241                

Harmony Bank Jackson Township NJ Mid‐Atlantic 185,037 929                  ‐ 9,059 1,000 10,988 3,474                

38,609 

Highlands Bancorp, Inc. Vernon NJ Mid‐Atlantic 201,242 16,612                ‐ 17,780 777 35,168 24,487                

39,456 

Hopewell Valley Community Bank Pennington NJ Mid‐Atlantic 421,768 9,885                ‐ 76,725 876 87,485 16,574              

114,894 

Regal Bank Livingston NJ Mid‐Atlantic 295,825 1,682                ‐ 24,190                      ‐ 25,872 4,920                

43,812                

Stewardship Financial Corporation Midland Park NJ Mid‐Atlantic 687,460 48,805              ‐ 156,337 1,053 206,195 28,132              

166,914 

Meadows Bank Las Vegas NV West 300,022 29,330                ‐ 21,164                      ‐ 50,495 97,092                

38,279                

Alma Bank Astoria NY Mid‐Atlantic 928,351 66,760                ‐ 25,038                      ‐ 91,798 181,949              

177,557                

Catskill Hudson Bancorp, Inc. Rock Hill NY Mid‐Atlantic 389,781 42,715 54,456 277 1,075 98,522 46,734 91,936 

Greater Rochester Bancorp, Inc. Rochester NY Mid‐Atlantic 345,893 43,466                ‐ 17,134 1,736 62,336 85,998                

38,374 

Kinderhook Bank Corp. Kinderhook NY Mid‐Atlantic 319,588 18,911 19,028 58 2,330 40,328 26,889 38,419 

Pathfinder Bancorp, Inc. Oswego NY Mid‐Atlantic 555,949 25,983                ‐ 48,698 786 75,467 34,572                

64,205 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Mid‐Atlantic 266,607 6,963                  ‐ 9,127                      ‐ 16,090 19,794 14,814 

The Elmira Savings Bank, FSB Elmira NY Mid‐Atlantic 516,198 36,668                ‐ 58,685                      ‐ 95,353 26,065                

65,153                

Columbus First Bancorp, Inc Worthington OH Midwest 250,348 19,279                ‐ 15,132                      ‐ 34,411 24,776                

26,836 

Community Independent Bancorp Inc. West Salem OH Midwest 94,049 2,587 5,795 133 3,505 12,020 3,089 9,277 Insight Bank Columbus OH Midwest 200,740 3,205                ‐ 10,876                      ‐ 14,080 14,448                

22,658                

AmeriBank Holding Company Collinsville OK Southwest 155,322 19,843 9,416 1,590 2,324 33,172 30,134 14,348 

Central Service Corporation Enid OK Southwest 568,644 43,994 23,240 43,232 38,675 149,140 79,999 31,802 5F & M Bancorporation, Inc. Tulsa OK Southwest 2,434,300 382,607 142,344 17 955 525,922 1,095,995 188,858 

Prime Bank Group Edmond OK Southwest 182,918 7,722 10,116 53 1,742 19,632 24,491 25,359 

Regent Capital Corporation Nowata OK Southwest 186,056 24,582 17,779 3,616 9,416 55,394 37,205 31,051 

AmeriServ Financial, Inc. Johnstown PA Mid‐Atlantic 998,329 92,509                ‐ 62,972 178 155,659 116,083                

98,925 

CBT Financial Corp. Clearfield PA Mid‐Atlantic 415,255 34,922 32,578 1,037 6,580 75,117 49,870 30,910 

Centric Financial Corporation Harrisburg PA Mid‐Atlantic 311,103 16,476 31,487 193 1,397 49,553 31,208 50,199 

Codorus Valley Bancorp, Inc. York PA Mid‐Atlantic 1,096,007 46,618 104,503 1,653 24,703 177,476 89,631 119,817 

DNB Financial Corporation Downingtown PA Mid‐Atlantic 668,037 38,960                ‐ 73,668 10,878 123,505 56,992                

88,387 

Emclaire Financial Corp. Emlenton PA Mid‐Atlantic 528,331 33,244                ‐ 25,924                      ‐ 59,168 37,124 26,238 

Enterprise Financial Services Group, Inc. Allison Park PA Mid‐Atlantic 261,908 37,394                ‐ 75,423 424 113,241 41,284                

92,968 

First Resource Bank Exton PA Mid‐Atlantic 151,688 11,395                ‐ 19,652 1,119 32,165 12,110                

30,099 

Franklin Security Bancorp, Inc. Plains PA Mid‐Atlantic 213,258 18,122                  ‐ 7,022                      ‐ 25,143 24,934                

18,803                

Jonestown Bank and Trust Company Jonestown PA Mid‐Atlantic 412,410 6,880 29,539 11 4,390 40,820 13,665 40,758 

MileStone Bank Doylestown PA Mid‐Atlantic 209,629 17,161                ‐ 29,937                      ‐ 47,098 53,248                

47,562 

Monument Bank Doylestown PA Mid‐Atlantic 231,675 1,478                ‐ 17,409 828 19,715 1,314                

49,785 

Penn Liberty Financial Corp. Wayne PA Mid‐Atlantic 551,264 58,496                ‐ 84,723                      ‐ 143,218 82,675              

106,441                

Phoenix Bancorp, Inc. Minersville PA Mid‐Atlantic 132,856 5,262                  ‐ 4,097                      ‐ 9,359 13,201                

27,289 

Team Capital Bank Bethlehem PA Mid‐Atlantic 920,657 58,221                ‐ 58,748                      ‐ 116,969 71,045              

111,093 

The Victory Bancorp, Inc. Limerick PA Mid‐Atlantic 135,711 13,913                  ‐ 8,245 1,757 23,916 31,255                

26,134 

Valley Green Bank Philadelphia PA Mid‐Atlantic 311,405 10,485                ‐ 12,990                      ‐ 23,475 32,899                

38,608                

York Traditions Bank York PA Mid‐Atlantic 285,146 48,533                ‐ 27,986 2,156 78,674 55,815                

45,636 

Carolina Alliance Bank Spartanburg SC Southeast 242,684 29,943                ‐ 34,965 830 65,737 30,350                

57,552 

GrandSouth Bancorporation Greenville SC Southeast 384,681 49,299 43,148 114 3,454 96,015 60,489 43,896 

TCB Corporation Greenwood SC Southeast 323,355 16,375                ‐ 40,863 1,056 58,294 20,864                

49,617 

BHCB Holding Company Rapid City SD Midwest 130,036 11,260 16,312 1,696 1,627 30,895 20,407 36,271 

Avenue Financial Holdings, Inc. Nashville TN Southeast 810,855 92,450                ‐ 29,501                      ‐ 121,950 142,467                

54,942 

CapitalMark Bank & Trust Chattanooga TN Southeast 774,609 88,680                ‐ 45,869                      ‐ 134,549 149,001                

96,474 

Carroll Financial Services, Inc. Huntingdon TN Southeast 262,758 7,921 34,549 4,141 14,441 61,052 14,010 41,511 

Community First Bancshares, Inc. Union City TN Southeast 1,808,647 102,278 165,597 16,329 35,772 319,976 124,447 169,055 1

Evolve Bancorp, Inc. Cordova TN Southeast 268,861 8,239 5,161 2,211 3,490 19,101 8,689 41,397 

Franklin Financial Network, Inc. Franklin TN Southeast 617,819 10,261 9,123 823 149 20,356 26,174 17,649 

Independent Holdings, Inc. Memphis TN Southeast 826,467 39,655                ‐ 11,109 1,474 52,238 66,892                

23,385 

InsCorp, Inc. Nashville TN Southeast 206,880 11,667                  ‐ 8,603 765 21,034 23,158                

25,670 

Landmark Community Bank Collierville TN Southeast 439,003 17,728 11,183 94 263 29,268 33,995                

19,246                

Magna Bank Memphis TN Southeast 495,606 24,492                ‐ 17,032                      ‐ 41,524 72,764 23,897                
Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q2 2013

Merchants and Planters Bancshares, Inc. Bolivar TN Southeast 90,987 5,479 10,527 361 2,730 19,097 6,423 11,824 

Moneytree Corporation Lenoir City TN Southeast 395,610 35,050 32,806 61 1,627 69,543 18,505                

57,303 

Planters Financial Group, Inc. Clarksville TN Southeast 754,210 59,970 67,388 12,733 34,238 174,327 68,564 113,160 1

Sequatchie Valley Bancshares, Inc. Dunlap TN Southeast 601,341 2,685 34,739 770 6,525 44,719 1,709 9,944 

SmartFinancial, Inc. Pigeon Forge TN Southeast 475,095 21,736                ‐ 14,293 1,139 37,167 36,268                

36,957 

Southern Heritage Bancshares, Inc. Cleveland TN Southeast 238,336 26,826 30,355 33 1,077 58,290 20,885 46,984                

Sumner Bank & Trust Gallatin TN Southeast 184,341 12,075 15,701 43 694 28,512 8,025 21,354 AIM Bancshares, Inc. Levelland TX Southwest 422,429 39,299 14,585 13,262 6,874 74,020 115,700 40,031 1

BMC Bancshares, Inc. Dallas TX Southwest 63,418 765 2,514 825 223 4,326 1,172 13,427                

BOH Holdings, Inc. Houston TX Southwest 934,550 127,907                ‐ 69,441                      ‐ 197,348 195,559              

151,742 

Cadence Financal Corporation (Encore Bancshares, Inc.) Houston TX Southwest 5,882,111 390,730 469,509 9,668 19,435 889,341 2,116,017 275,928 

FB BanCorp San Antonio TX Southwest 610,664 99,765                  ‐ 2,480                      ‐ 102,244 56,721 2,176                

5

First Texas BHC, Inc. Fort Worth TX Southwest 1,171,134 85,806 71,371 110 2,229 159,515 189,451 115,441 

Frontier Bancshares, Inc. Austin TX Southwest 397,638 25,056 29,742 851 6,814 62,462 61,513 98,303 

FVNB Corp. Victoria TX Southwest 2,415,733 256,962 185,801 102,406 86,398 631,567 292,972 290,709 11

Happy Bancshares, Inc. Amarillo TX Southwest 2,143,742 201,680 93,384 130,663 51,686 477,414 324,454 126,816 25

Joaquin Bankshares Inc. Huntington TX Southwest 124,827 14,762 13,696 1,602 13,014 43,074 30,982 11,211 

Liberty Capital Bancshares, Inc. Addison TX Southwest 106,280 9,008                  ‐ 5,927 1,722 16,657 32,651                

12,156                

McLaughlin Bancshares, Inc. Ralls TX Southwest 242,834 18,912 4,166 29,426 3,706 56,210 35,105 13,206 2

Pioneer Bank, SSB Drippings Springs TX Southwest 237,703 7,439                  ‐ 8,987 1,142 17,568 23,776 27,277 

PlainsCapital Corporation Dallas TX Southwest 6,844,768 1,018,142 363,288 60,432 61,652 1,503,514 1,047,810 492,626 4

Southwestern Bancorp, Inc. Boerne TX Southwest 107,030 5,487 12,617 2,545 1,837 22,486 10,100 14,846 

Sovereign Bancshares, Inc. Dallas TX Southwest 1,086,761 196,282                ‐ 22,060 918 219,260 265,248                

64,746 

Steele Holdings, Inc. Tyler TX Southwest 263,365 14,649 15,060 427 1,007 31,142 31,493 28,030 

The ANB Corporation Terrell TX Southwest 2,276,334 142,877 265,405 6,732 22,473 437,487 115,062 402,837 

Third Coast Bank SSB Humble TX Southwest 258,640 33,954                ‐ 30,443                      ‐ 64,397 92,901 54,799 

Veritex Holdings, Inc. Dallas TX Southwest 595,979 24,303                ‐ 14,187 1,151 39,641 145,054 73,354 

Cache Valley Banking Company Logan UT Southwest 527,010 33,786 39,918 9,516 16,242 99,462 50,260 99,540 1

LCA Bank Corporation Park City UT Southwest 80,352                     ‐ 136                      ‐                      ‐ 136                  ‐ 3,082                      

               

Medallion Bank Salt Lake City UT Southwest 769,328              ‐ 234,859                      ‐                      ‐ 234,859             ‐ 400,273                      

               

Blue Ridge Bankshares, Inc. Luray VA Southeast 216,017 4,225 15,593 159 2,442 22,419 8,792 13,511 

Citizens Community Bank South Hill VA Southeast 161,224 18,419 16,605 251 3,246 38,520 11,337 25,842 

Heritage Bankshares, Inc. Norfolk VA Southeast 320,450 29,431                ‐ 36,330                      ‐ 65,761 25,583                

53,871                

TowneBank Suffolk VA Southeast 4,595,091 302,054 531,494 675 6,389 840,612 418,287 711,430 

United Financial Banking Companies, Inc. Vienna VA Southeast 331,413 17,679                ‐ 59,243                      ‐ 76,922 27,610                

62,630                

Virginia Heritage Bank Fairfax VA Southeast 847,753 39,167                ‐ 50,228                      ‐ 89,395 41,953              

113,097 

WashingtonFirst Bankshares, Inc. Reston VA Southeast 1,124,421 60,171 13,644 117 3,240 77,172 113,832              

165,007                

Xenith Bankshares, Inc. Richmond VA Southeast 578,425 14,641                ‐ 19,095 593 34,328 138,669 58,908 

Puget Sound Bank Bellevue WA West 318,524 49,945                ‐ 28,866                      ‐ 78,810 100,976                

39,995 

U&I Financial Corp Lynnwood WA West 213,987 8,950                ‐ 34,994                      ‐ 43,943 12,412                

54,291                

W.T.B. Financial Corporation Spokane WA West 4,252,006 726,366 358,143 80,131 37,049 1,201,688 759,906 438,321 17

County Bancorp, Inc. Manitowoc WI Midwest 741,244 44,238 63,411 118,072 171,649 397,369 54,441 58,187 14

Deerfield Financial Corporation Deerfield WI Midwest 105,985 15,306 116 4,065 1,820 21,306 10,305 7,185 

First American Investment, Inc. Hudson WI Midwest 93,137 4,014 15,043                     ‐ 163 19,220 7,467 21,314 

First Menasha Bancshares, Inc. Neenah WI Midwest 343,157 51,762 29,044 6 519 81,331 61,923 42,949 

Nicolet Bankshares, Inc. Green Bay WI Midwest 1,072,927 129,397 137,477 41 2,935 269,850 219,688 181,101 1

Northern Bankshares, Inc. McFarland WI Midwest 433,081 26,290 62,897 1,313 15,949 106,449 36,324              

112,929 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 72,862 3,710 8,995 6,075 11,414 30,194 3,867 7,782 1

Sword Financial Corporation Horicon WI Midwest 529,138 63,172 127,299 10,132 21,004 221,607 74,213 124,233 2

First Bank of Charleston Charleston WV Southeast 204,504 23,426                  ‐ 1,497                      ‐ 24,923 26,640                  

2,681                

MVB Financial Corp. Fairmont WV Southeast 781,568 15,650                ‐ 38,312                      ‐ 53,962 47,869                

88,034                

Financial Security Corporation Basin WY West 308,379 26,934 10,943 18,648 17,218 73,742 34,143 20,009 2