April 2013

Use of Funds Report

Report to Congress submitted pursuant to Section 4106(3)

of the Small Business Jobs Act
1

OVERVIEW

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

the economic recovery. Established by the Small Business Jobs Act of 2010 (the Act), the Small Business 

Lending Fund (SBLF) is a dedicated fund designed to provide capital to qualified community banks1and 

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

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

and promote economic growth in communities across the nation. 

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

December 31, 2012, relative to baseline levels.

2

 As of December 31, 2012, 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 $8.9 billion over a 

$36.9 billion baseline, and by $1.5 billion over the prior quarter.

• Increases in small business lending are widespread across SBLF participants, with 90 percent of 

participants having increased their small business lending over baseline levels.

• Over three-quarters of SBLF participants (83 percent) have increased their 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 527 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

6,214 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 37.6 percent over

baseline levels, versus a 8.0 percent median increase for the representative peer group and a 

4.0 percent median increase for the broader comparison group.

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

measures of size, geography, and loan type versus the peer and comparison groups.

• SBLF banks that refinanced CPP funding have increased business lending by a median of 36.9

percent since their initial receipt of CPP funding from Treasury versus a 13.6 percent increase 

for the peer group and a 8.5 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 320

institutions that continued to participate in the program as of February 28, 2013, including 270

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 March 15, 2013, 12 institutions with aggregate investments of $112.6 million have fully redeemed 

their SBLF securities and exited the program, and nine institutions have partially redeemed $107.8

million (or 33 percent of their SBLF securities) though continue to participate in the program.

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

CDLFs with less than $10 billion in assets.

• For community banks, the SBLF 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 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.

 

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

INCREASES IN SMALL BUSINESS LENDING OVER BASELINE LEVELS

As of December 31, 2012, SBLF participants have increased their small business lending by $8.9 billion

over their aggregate baseline of $36.9 billion. Bank participants have increased their small business 

lending by $8.7 billion (or 24 percent) over a $36.1 billion baseline, and CDLFs increased their small 

business lending by $205.3 million (or 26 percent) over a $780.6 million baseline. The following graph

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

December 31, 2012.

Increase in Small Business Lending over Baseline by SBLF Participants

(Reported as of December 31, 2012)

Increases in small business lending are widespread among SBLF participants. To date, 243 of the 270

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

their small business lending. In addition, 266 of the 320 SBLF participants (or 83 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. Please see Appendix B for institution-specific reporting of

small business lending by SBLF participants.
4

SBLF Participants Reporting Increases in Small Business Lending over Baseline4

(Reported as of December 31, 2012)

 

4

As a result of redemptions, the total number of SBLF institutions was 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

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 527 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 6,214

similarly-sized community banks that are headquartered in the same states as SBLF banks. 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 December 31, 2012 to their baseline levels, SBLF banks 

increased business lending by a median of 37.6 percent, versus a 8.0 percent median increase for the

peer group and a 4.0 percent median increase for the comparison group. In addition to increasing 

business lending, SBLF banks increased other types of lending by a median of 23.0 percent over baseline 

levels, versus a median increase of 0.9 percent among the peer group and 4.2 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 December 31, 2012)
6

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, 85 percent of banks participating in SBLF have 

increased their business lending by 10 percent or more versus 48 percent for the peer group and 42

percent for the comparison group. Thirty-nine percent of the peer group and 45 percent of the 

comparison group have reduced business lending versus 9 percent of SBLF bank participants.

Distribution of Changes in Business Lending 

(Reported as of December 31, 2012)

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 61 percent with a standard deviation of 

64 percentage points.

5

 The peer group of non-SBLF banks increased business lending by a mean of 22

percent with a standard deviation of 48 percentage points while the comparison group increased 

business lending by a mean of 11 percent with a standard deviation of 38 percentage points. 

 

5

The calculations of 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 the 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. 
7

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 or median decreases in 

business lending. The following graph compares median changes in business lending by SBLF banks and 

the peer and comparison groups across four regions.6

Changes in Business Lending by Regional Geography

(Reported as of December 31, 2012)

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.

7

 

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

comparison groups across four categories of institution size.

 

6

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

CT, ME, MA, NH, NJ, NY, and PA. The South region includes: AL, AK, DE, DC, FL, GA, KY, LA, MD, MS, NC, OK, SC, TN, TX, VA, and 

WV. The West region includes: AZ, CA, CO, ID, MT, NV, UT, WA, and WY.

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.
8

Changes in Business Lending by Institution Size

(Reported as of December 31, 2012)

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 median decreases. The following graph compares median changes in business lending by 

SBLF banks and the peer and comparison bank groups across the four loan categories.

Changes in Business Lending by Loan Category

(Reported as of December 31, 2012)
9

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 128 institutions that 

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

Lending Increases by Institutions that Refinanced CPP Investments

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 36.9 percent

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

business lending has increased by a median of 25.0 percent since the baseline period. The peer group of 

non-SBLF banks reported a median increase in business lending of 13.6 percent since the reporting date 

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

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

lending by a median of 8.0 percent and the comparison group has increased business lending by 4.0

percent, as previously noted.

Changes in Business Lending by Former CPP Participants8

(Reported as of December 31, 2012)

 

8

For the 128 former CPP participants, the median increase in business lending reflected in the first column is measured from 

the first reporting date after each participant received its initial CPP capital to December 31, 2012. Because the median CPP 

refinance participant received this capital during the first quarter of 2009, the median increase in business lending for the peer 

and comparison groups is measured from March 31, 2009 to December 31, 2012 for this calculation. This calculation excludes 

two SBLF participants that were former CPP participants but were subsequently acquired following the receipt of SBLF funding.
10

Dividend Rates Payable by Institutions that Refinanced CPP Investments

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

by SBLF only if they increase their small business lending over baseline levels. As of December 31, 2012, 

banks that refinanced CPP capital pay an average dividend or interest rate of 2.0 percent on SBLF 

funding, whereas other bank participants pay an average rate of 1.4 percent.9

APPENDICES

A. Report Methodology 

B. Institution-Specific Reporting on Small Business Lending by SBLF Participants

C. Institution-Specific Reporting on Business Lending by SBLF Banks

 

9

These figures are adjusted to account for differences in the rates paid by subchapter S corporations and mutual institutions.
11

APPENDIX A: REPORT METHODOLOGY

This report provides information on changes in small business lending, business lending, and other (nonbusiness related) lending by SBLF participants as of December 31, 2012, relative to baseline levels. For 

each institution analyzed for this report, changes in lending are measured as the dollar value or

percentage change, as noted, in lending between December 31, 2012 and the baseline period, unless 

otherwise specified. The baseline is calculated as the average of the applicable loan amounts that the 

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

Measurement of Small Business Lending

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

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

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

section of this report. 

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

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

• Commercial and industrial loans

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

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

• Loans secured by farmland (“farmland”)

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

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

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

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

outstanding as of December 31, 2012 and the baseline amount. Participants report their baseline and 

changes in small business lending by submitting quarterly supplemental reports to Treasury. The most 

recent supplemental report includes lending information as of December 31, 2012.

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

Appendix B. 

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 527 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 6,214 similarly-sized community banks that are located in one of the 44 states in which SBLF 

banks are headquartered. 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. 
12

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 

December 31, 2011, small business lending totaled 95.0 percent of business lending by dollar value for 

the median SBLF bank.

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

outstanding as of December 31, 2012 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 the CPP refinance participants, this report includes a calculation of the median increase in business 

lending since they received their initial CPP investment in the “Lending by Former Capital Purchase 

Program (CPP) Participants” section. For this section, bank-specific changes in lending for this 

calculation are measured from the first quarterly reporting date after the bank received its initial CPP 

investment to December 31, 2012. This section also includes a calculation of the median increase in 

business lending by the non-SBLF bank groups from March 31, 2009 (the first reporting date after the 

median CPP participant received its initial CPP investment) to December 31, 2012.

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

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

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

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

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

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

baseline values. Starting 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 C. 

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 
13

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 270 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 6,214 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 December 31, 2012, a total of 203 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 527 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 

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

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

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

category that have Texas ratios closest to 20 percent. 

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

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

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

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

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

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

closure. As of December 31, 2012, a total of 19 institutions have been removed from the peer 
14

group as a result of SBLF participants exiting the program and 16 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 270 527 6214

Increase in business lending (median) 37.6% 8.0% 4.0%

Increase in other lending (median) 23.0% 0.9% -4.2%

Assets ($000s)

Median $307,107 $282,363 $143,619

Mean $568,750 $502,435 $306,437

Texas Ratio

Median 15.1% 15.4% 17.1%

Mean 19.7% 19.2% 30.4%

Region (% of participants)

Midwest 28.1% 28.3% 45.1%

Northeast 18.5% 18.8% 9.4%

South 38.1% 38.0% 37.0%

West 15.2% 15.0% 8.4%

Summary of the Characteristics of SBLF Banks, the Peer Group, and the Comparison Group
15

APPENDIX B: INSTITUTION-SPECIFIC REPORTING ON SMALL BUSINESS LENDING BY 

SBLF PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 12/31/2012 Quarterly Supplemental Reports transmitted with April 2013 Use of Funds Report

Name City State Baseline Level Current Level Increase (Decrea

over Baseline

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 275,191,000 33,401

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 46,104,000 7,033

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 654,406,000 1,249,901,000 595,495

Southern National Corporation Andalusia AL Bank 6,000,000 155,408,000 186,878,000 31,470

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 75,258,000 21,670

First Service Bancshares, Inc. Greenbrier AR Bank 7,716,000 73,164,000 59,018,000 (14,146,Liberty Bancshares, Inc. Jonesboro AR Bank 52,500,000 619,989,000 619,244,000 (745,

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 89,514,000 33,306

Western Alliance Bancorporation Phoenix AZ Bank 141,000,000 1,556,140,000 1,812,599,000 256,459

1st Enterprise Bank Los Angeles CA Bank 16,400,000 88,154,000 236,229,000 148,075

Bank of Commerce Holdings Redding CA Bank 20,000,000 200,059,000 234,782,000 34,723

California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 160,349,000 86,784

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 47,492,000 31,034

Central Valley Community Bancorp Fresno CA Bank 7,000,000 235,351,000 207,959,000 (27,392,

Community Valley Bank El Centro CA Bank 2,400,000 13,645,000 33,519,000 19,874

First California Financial Group, Inc. Westlake Village CA Bank 25,000,000 313,952,000 332,760,000 18,808

First Northern Community Bancorp Dixon CA Bank 22,847,000 225,762,000 210,410,000 (15,352,

First PacTrust Bancorp, Inc. Irvine CA Bank 32,000,000 19,469,000 32,437,000 12,968

FNB Bancorp South San Francisco CA Bank 12,600,000 149,634,000 134,994,000 (14,640,

Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 53,885,000 18,486

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 111,437,000 29,444

Oak Valley Bancorp Oakdale CA Bank 6,750,000 143,616,000 134,367,000 (9,249,

Pacific Coast Bankers' Bancshares San Francisco CA Bank 11,960,000 42,624,000 28,646,000 (13,978,Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 65,413,000 10,684

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 47,122,000 3,848

Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 54,226,000 8,138Seacoast Commerce Bank Chula Vista CA Bank 4,000,000 45,347,000 75,073,000 29,726

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 205,657,000 40,676Silvergate Capital Corporation La Jolla CA Bank 12,427,000 9,115,000 12,630,000 3,515

Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 95,468,000 12,734

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 60,384,000 37,608

The Private Bank of California Los Angeles CA Bank 10,000,000 69,125,000 148,549,000 79,424

CIC Bancshares, Inc. Denver CO Bank 1,772,000 67,982,000 94,840,000 26,858

CoBiz Financial Inc. Denver CO Bank 57,366,000 740,718,000 837,002,000 96,284

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 39,448,000 77,789,000 38,341

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 31,241,000 3,860

Steele Street Bank Corporation Denver CO Bank 11,350,000 65,842,000 97,526,000 31,684

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 81,830,000 15,830

BNC Financial Group, Inc. New Canaan CT Bank 10,980,000 28,259,000 118,922,000 90,663

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 77,732,000 105,184,000 27,452

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,532,000 46,771,000 12,239

Community Bank Delaware Lewes DE Bank 4,500,000 30,078,000 37,190,000 7,112Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 101,483,000 35,909

Broward Financial Holdings, Inc. Fort Lauderdale FL Bank 3,134,000 14,233,000 48,996,000 34,763

CBOS Bankshares, Inc. Merritt Island FL Bank 3,893,000 46,283,000 35,728,000 (10,555,

Community Southern Bank Lakeland FL Bank 5,700,000 28,611,000 53,375,000 24,764

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 67,699,000 41,990

First Green Bancorp, Inc. (First Green Bank) Eustis FL Bank 4,727,000 30,339,000 73,177,000 42,838

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 98,486,000 126,536,000 28,050

Florida Community Bankshares, Inc. Ocala FL Bank 17,000,000 158,498,000 124,944,000 (33,554,

Florida Shores Bancorp, Inc. Pompano Beach FL Bank 12,750,000 88,898,000 130,734,000 41,836

Florida Traditions Bank Dade City FL Bank 8,800,000 61,282,000 111,737,000 50,455

Gulfstream Bancshares, Inc. Stuart FL Bank 7,500,000 283,018,000 244,346,000 (38,672,

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 13,569,000 1,271

Jefferson Bank of Florida Oldsmar FL Bank 3,367,000 13,891,000 29,718,000 15,827

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 30,402,000 19,129

Ovation Holdings, Inc. Naples FL Bank 5,000,000 22,467,000 44,439,000 21,972

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 206,774,000 40,027

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 51,749,000 10,535Resurgens Bancorp Atlanta GA Bank 2,967,000 17,669,000 29,495,000 11,826

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 9,198,000 3,255

Commercial Financial Corp Storm Lake IA Bank 18,000,000 225,000,000 249,411,000 24,411

Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,013,007,000 1,136,005,000 122,998

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,782,000 76,995,000 9,213

Two Rivers Financial Group, Inc. Burlington IA Bank 17,430,000 154,246,000 172,172,000 17,926

D. L. Evans Bancorp Burley ID Bank 22,391,000 350,577,000 335,343,000 (15,234,

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 17,103,000 2,191Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 52,030,000 76,569,000 24,539

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 91,489,000 12,580

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 144,175,000 177,027,000 32,852

First Busey Corporation Champaign IL Bank 72,664,000 555,684,000 501,520,000 (54,164,First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 37,334,000 4,533

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 56,304,000 14,992First Robinson Financial Corporation Robinson IL Bank 4,900,000 36,324,000 53,359,000 17,035

Fisher Bancorp, Inc. Fisher IL Bank 750,000 15,062,000 18,229,000 3,167Heartland Bancorp, Inc. Bloomington IL Bank 25,000,000 579,507,000 616,597,000 37,090

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 83,566,000 23,378

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,289,000 70,170,000 12,881

People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 165,394,000 35,408

Prime Banc Corp. Dieterich IL Bank 10,000,000 97,805,000 117,108,000 19,303

QCR Holdings, Inc. Moline IL Bank 29,867,000 458,593,000 391,653,000 (66,940,

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 200,873,000 77,043

Southern Illinois Bancorp, Inc. Carmi IL Bank 9,000,000 93,393,000 142,889,000 49,496

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 117,339,000 26,190

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 145,934,000 198,676,000 52,742

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 260,066,000 276,963,000 16,897
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

AMB Financial Corp. Munster IN Bank 3,858,000 21,983,000 21,874,000 (109,

Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 180,982,000 193,439,000 12,457

First Merchants Corporation Muncie IN Bank 90,782,940 1,352,818,000 1,090,277,000 (262,541,

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 59,182,000 87,819,000 28,637

Horizon Bancorp Michigan City IN Bank 12,500,000 190,807,000 207,156,000 16,349

MutualFirst Financial, Inc. Muncie IN Bank 28,923,000 182,945,000 167,971,000 (14,974,

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 26,167,000 3,124

Brotherhood Bancshares, Inc. Kansas City KS Bank 16,000,000 55,235,000 31,343,000 (23,892,

CB Bancshares Corp. Weir KS Bank 190,000 1,222,000 1,659,000 437Equity Bancshares, Inc. Wichita KS Bank 16,372,000 282,886,000 311,612,000 28,726Farmers State Bankshares, Inc. Holton KS Bank 700,000 12,762,000 12,430,000 (332,

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 40,492,000 9,301

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 25,106,000 10,891

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 154,451,000 205,461,000 51,010

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 73,764,000 (4,885,

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 31,406,000 775Community Trust Financial Corporation Ruston LA Bank 48,260,000 359,389,000 474,115,000 114,726

First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 180,281,000 209,252,000 28,971

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 369,836,000 480,894,000 111,058

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 398,246,000 419,941,000 21,695

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 141,487,000 201,677,000 60,190

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,482,000 131,717,000 27,235

Hyde Park Bancorp, Inc. Hyde Park MA Bank 18,724,000 4,944,000 12,767,000 7,823

Island Bancorp, Inc. Edgartown MA Bank 4,000,000 23,581,000 34,196,000 10,615

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 66,881,000 36,483

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 40,159,000 58,142,000 17,983

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 117,956,000 33,654

Rockport National Bancorp, Inc. Rockport MA Bank 3,000,000 37,136,000 44,425,000 7,289

StonehamBank, A Co‐operative Bank Stoneham MA Bank 13,813,000 46,880,000 94,861,000 47,981

Eagle Bancorp, Inc. Bethesda MD Bank 56,600,000 413,330,000 629,849,000 216,519

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 120,455,000 137,214,000 16,759

Monument Bank Bethesda MD Bank 11,355,000 34,983,000 51,285,000 16,302

Tri‐County Financial Corporation Waldorf MD Bank 20,000,000 244,812,000 278,158,000 33,346

Katahdin Bankshares Corp. Houlton ME Bank 11,000,000 138,863,000 168,430,000 29,567

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 54,129,000 20,336

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 326,880,000 128,681

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 29,876,000 8,406Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 94,054,000 145,444,000 51,390

Valley Financial Group, Ltd. Saginaw MI Bank 2,000,000 73,968,000 86,071,000 12,103

Financial Services of Winger, Inc. Fosston MN Bank 4,069,000 60,984,000 82,985,000 22,001

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 171,741,000 22,439

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 22,526,000 29,847,000 7,321

McLeod Bancshares, Inc. Shorewood MN Bank 6,000,000 50,935,000 38,169,000 (12,766,

MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 72,206,000 88,326,000 16,120

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 45,123,000 51,116,000 5,993

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 71,887,000 18,877
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 73,990,000 11,400

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 42,344,000 (4,574,

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 201,374,000 300,955,000 99,581

Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 81,757,000 99,727,000 17,970

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 177,012,000 205,583,000 28,571

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 188,556,000 215,618,000 27,062

The Landrum Company Columbia MO Bank 20,000,000 434,964,000 447,912,000 12,948

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,501,000 46,205,000 15,704

BankFirst Capital Corporation Macon MS Bank 20,000,000 176,916,000 188,151,000 11,235

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS Bank 32,914,000 633,113,000 861,422,000 228,309

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 6,557,000 3,225

First Bancorp Troy NC Bank 63,500,000 493,414,000 569,790,000 76,376

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 181,926,000 128,247

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC Bank 20,500,000 350,951,000 389,879,000 38,928

Premara Financial, Inc. Charlotte NC Bank 6,238,000 49,075,000 56,760,000 7,685

Providence Bank Rocky Mount NC Bank 4,250,000 30,058,000 37,559,000 7,501Select Bancorp, Inc. Greenville NC Bank 7,645,000 30,424,000 51,029,000 20,605

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,662,000 49,057,000 10,395

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 280,617,000 398,136,000 117,519

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 147,079,000 219,810,000 72,731

Adbanc Inc. Ogallala NE Bank 21,905,000 250,743,000 284,153,000 33,410

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 67,207,000 16,889

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 135,828,000 172,804,000 36,976

The State Bank of Bartley Bartley NE Bank 2,380,000 27,944,000 33,503,000 5,559

Centrix Bank & Trust Bedford NH Bank 24,500,000 234,642,000 311,469,000 76,827

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 75,788,000 13,812

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 88,479,000 13,158

New Hampshire Thrift Bancshares, Inc. Newport NH Bank 23,000,000 145,102,000 187,616,000 42,514

Northway Financial, Inc. Berlin NH Bank 23,593,000 109,533,000 131,261,000 21,728Center Bancorp, Inc. Union NJ Bank 11,250,000 230,584,000 259,910,000 29,326

Community Partners Bancorp Middletown NJ Bank 12,000,000 175,160,000 191,384,000 16,224Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 23,239,000 (37,

Freedom Bank Oradell NJ Bank 4,000,000 32,445,000 49,453,000 17,008

Harmony Bank Jackson NJ Bank 3,500,000 10,984,000 41,885,000 30,901

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 66,028,000 32,129Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 120,693,000 28,359

Regal Bank Livingston NJ Bank 7,000,000 25,872,000 44,054,000 18,182

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 220,076,000 12,151Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 116,850,000 69,178Alma Bank Astoria NY Bank 19,000,000 91,798,000 296,222,000 204,424Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 106,206,000 138,208,000 32,002

Elmira Savings Bank (The Elmira Savings Bank, FSB) Elmira NY Bank 14,063,000 94,555,000 93,474,000 (1,081,

Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 99,093,000 40,271

Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 43,624,000 58,756,000 15,132

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 71,056,000 88,029,000 16,973Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 19,513,000 35,464,000 15,951
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 52,505,000 15,876

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 18,539,000 6,519

Insight Bank Columbus OH Bank 4,250,000 16,410,000 33,151,000 16,741

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 41,169,000 7,997Central Service Corporation Enid OK Bank 7,000,000 148,102,000 189,882,000 41,780

F & M Bancorporation, Inc. Tulsa OK Bank 38,222,000 290,250,000 623,020,000 332,770

Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 46,216,000 25,256

Regent Capital Corporation Nowata OK Bank 3,350,000 50,745,000 69,743,000 18,998

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 148,722,000 32,038

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 97,057,000 32,338

Centric Financial Corporation Harrisburg PA Bank 7,492,000 50,832,000 82,958,000 32,126

Codorus Valley Bancorp, Inc. York PA Bank 25,000,000 168,440,000 204,194,000 35,754

DNB Financial Corporation Downingtown PA Bank 13,000,000 118,771,000 135,538,000 16,767

Emclaire Financial Corp. Emlenton PA Bank 10,000,000 56,761,000 56,948,000 187

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 92,054,000 4,748

First Resource Bank Exton PA Bank 5,083,000 33,001,000 41,774,000 8,773

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Bank 6,955,000 26,190,000 34,321,000 8,131

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 56,525,000 15,705MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 89,066,000 42,288

Monument Bank Doylestown PA Bank 2,970,000 19,715,000 48,917,000 29,202

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 135,257,000 166,644,000 31,387

Phoenix Bancorp, Inc. Minersville PA Bank 3,500,000 27,620,000 38,171,000 10,551

Team Capital Bank Bethlehem PA Bank 22,412,000 123,354,000 172,088,000 48,734

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 26,315,000 51,906,000 25,591

Valley Green Bank Philadelphia PA Bank 5,000,000 25,368,000 69,319,000 43,951

York Traditions Bank York PA Bank 5,115,000 78,487,000 91,707,000 13,220

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 65,737,000 93,412,000 27,675

GrandSouth Bancorporation Greenville SC Bank 15,422,000 92,718,000 110,272,000 17,554TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 72,079,000 15,500

BHCB Holding Company Rapid City SD Bank 2,000,000 33,830,000 54,611,000 20,781Avenue Financial Holdings, Inc. Nashville TN Bank 18,950,000 74,788,000 129,489,000 54,701CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 236,079,000 101,530

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 71,015,000 9,698

Community First Bancshares, Inc. Union City TN Bank 30,852,000 302,286,000 275,313,000 (26,973,

Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 46,614,000 27,513

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 18,547,000 31,495,000 12,948

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 73,443,000 28,741

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 49,012,000 21,500

Landmark Community Bank Collierville TN Bank 8,000,000 29,258,000 56,562,000 27,304

Magna Bank Memphis TN Bank 18,350,000 51,687,000 74,248,000 22,561

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 2,000,000 19,097,000 24,547,000 5,450

Moneytree Corporation Lenoir City TN Bank 9,992,000 69,543,000 75,942,000 6,399Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 150,609,000 183,079,000 32,470

Sequatchie Valley Bancshares, Inc. Dunlap TN Bank 5,000,000 43,802,000 22,977,000 (20,825,

SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 37,009,000 67,601,000 30,592

Southern Heritage Bancshares, Inc. Cleveland TN Bank 5,105,000 58,099,000 68,855,000 10,756
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

Sumner Bank & Trust GALLATIN TN Bank 4,264,000 27,039,000 30,525,000 3,486

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 75,067,000 143,102,000 68,035

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 9,894,000 1,873BOH Holdings, Inc. Houston TX Bank 23,938,350 200,835,000 276,591,000 75,756

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 83,109,000 43,774

First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 251,113,000 113,261

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 64,697,000 124,018,000 59,321

FVNB Corp. Victoria TX Bank 18,000,000 668,934,000 767,996,000 99,062Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 436,374,000 595,072,000 158,698Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Bank 114,068,000 1,011,528,000 1,124,574,000 113,046

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 49,563,000 8,841

Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 35,624,000 18,968McLaughlin Bancshares, Inc. Ralls TX Bank 6,600,000 47,152,000 66,411,000 19,259

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 26,496,000 51,384,000 24,888Southwestern Bancorp, Inc. Boerne TX Bank 1,500,000 22,454,000 24,086,000 1,632Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 187,121,000 3,858

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 51,464,000 20,322

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 472,388,000 69,694Third Coast Bank SSB Humble TX Bank 8,673,000 57,861,000 132,768,000 74,907

Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 196,905,000 95,986

Cache Valley Banking Company Logan UT Bank 11,670,000 151,344,000 185,487,000 34,143

Continental Bancorporation Salt Lake City UT Bank 4,724,000 92,728,000 23,439,000 (69,289,

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 1,884,000 1,870

Medallion Bank Salt Lake City UT Bank 26,303,000 229,336,000 391,042,000 161,706

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 20,108,000 23,795,000 3,687

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 43,276,000 4,756

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 81,227,000 12,260TowneBank Portsmouth VA Bank 76,458,000 814,570,000 984,695,000 170,125

United Financial Banking Companies, Inc. Vienna VA Bank 3,000,000 76,307,000 90,753,000 14,446

Virginia Heritage Bank Fairfax VA Bank 15,300,000 85,644,000 141,121,000 55,477

WashingtonFirst Bankshares, Inc. Reston VA Bank 17,796,000 199,484,000 271,519,000 72,035

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 82,147,000 191,587,000 109,440

Puget Sound Bank Bellevue WA Bank 9,886,000 84,245,000 118,280,000 34,035

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 53,111,000 13,227W.T.B. Financial Corporation Spokane WA Bank 89,142,000 878,103,000 910,885,000 32,782

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 457,220,000 77,665

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 20,670,000 24,933,000 4,263First American Investment, Inc. Hudson WI Bank 1,705,710 20,338,000 26,779,000 6,441First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 67,613,000 82,781,000 15,168

Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 240,359,000 237,444,000 (2,915,

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 154,955,000 16,508PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 25,844,000 29,230,000 3,386Sword Financial Corporation Horicon WI Bank 17,000,000 192,968,000 220,152,000 27,184First Bank of Charleston Charleston WV Bank 3,345,000 24,923,000 31,265,000 6,342MVB Financial Corp. Fairmont WV Bank 8,500,000 53,681,000 87,880,000 34,199

Financial Security Corporation Basin WY Bank 5,000,000 67,715,000 84,560,000 16,845
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 10,679,000 1,134

Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 45,866,000 19,271

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 4,211,000 1,738Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 11,522,000 5,587

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 9,337,000 3,233

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 9,581,000 24,679,000 15,098

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 7,753,000 2,032

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 859,000 101

Building Hope... A Charter School Facilities Fund Washington DC CDLF 2,091,000 23,190,000 32,708,000 9,518

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 6,536,000 1,648Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 6,597,000 3,824

IFF Chicago IL CDLF 8,294,000 108,261,000 130,668,000 22,407

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 5,438,000 1,987Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 6,655,000 2,518

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 11,164,000 (214,

Capital Link, Inc. Boston MA CDLF 198,000 1,420,000 3,008,000 1,588Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc. Holyoke MA CDLF 200,000 3,526,000 3,760,000 234

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 12,844,000 3,995

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 20,596,000 2,956

Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 34,151,000 (9,504,

Midwest Minnesota Community Development Corporation Detroit Lakes MN CDLF 4,600,000 29,638,000 49,794,000 20,156

Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 8,040,000 1,061

Montana Community Development Corporation Missoula MT CDLF 585,000 8,377,000 14,465,000 6,088Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 2,933,000 1,142

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 3,697,000 2,243La Fuerza Unida Community Development Corporation East Norwich NY CDLF 42,000 86,000 466,000 380

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 2,794,000 576

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 26,139,000 (7,141,

Seedco Financial Services, Inc. New York NY CDLF 2,500,000 33,651,000 42,547,000 8,896

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 5,989,000 3,261

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 10,573,000 4,068

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 18,276,000 (398,

Community First Fund Lancaster PA CDLF 862,000 11,002,000 11,571,000 569Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 3,316,000 1,126

The Progress Fund Greensburg PA CDLF 1,052,000 12,882,000 19,651,000 6,769

The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 119,207,000 5,939

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,333,000 1,534

Lowcountry Housing Trust, Incorporated North Charleston SC CDLF 392,000 96,000 581,000 485Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 12,931,000 1,173

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 11,709,000 593

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 4,712,000 2,226

CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 6,554,000 5,736,000 (818,

PeopleFund Austin TX CDLF 500,000 6,412,000 7,918,000 1,506

ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 2,324,000 922

NCB Capital Impact Arlington VA CDLF 8,218,000 95,578,000 123,368,000 27,790

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,378,000 3,591
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lending 

Bank or CDLF? SBLF Funding Outstanding

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 39,828,000 15,720

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 4,945,000 981Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 16,147,000 2,803

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 7,472,000 2,910
16

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

BANKS
Community Banks Participating in SBLF

Report on Information from 12/31/2012 Call Reports transmitted with April 2013 Use of Funds 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 South 1,081,660 126,083 110,777 6,105 15,249 258,213 147,351 142,198 

First Partners Bank (SouthCity Bank) Vestavia Hills AL South 162,310 34,442                  ‐ 6,394                      ‐ 40,837 37,943                  

8,421                

ServisFirst Bancshares, Inc. Birmingham AL South 2,906,246 440,705 209,801 25,580 22,243 698,328 998,300 568,041 3

Southern National Corporation Andalusia AL South 407,189 42,858 46,952 5,776 59,822 155,408 40,264 48,727 1

Southern States Bancshares, Inc. Anniston AL South 286,647 18,236                ‐ 18,732 943 37,910 38,809 44,788 

First Service Bancshares, Inc. Greenbrier AR South 226,061 20,458 31,269 6,055 16,417 74,199 11,472 23,564 

Liberty Bancshares, Inc. Jonesboro AR South 2,825,501 258,145 402,154 36,465 59,998 756,761 245,007 457,438 2

Rock Bancshares, Inc. Little Rock AR South 194,988 49,812                  ‐ 7,116 1,804 58,732 88,995                  

3,795 

Western Alliance Bancorporation Phoenix AZ West 7,614,039 550,987 1,063,943 186 4,343 1,619,459 1,042,555 1,394,230 

1st Enterprise Bank Los Angeles CA West 706,138 52,170                ‐ 35,416                      ‐ 87,586 149,873                

98,556                

Bank of Commerce Holdings Redding CA West 975,284 133,779 72,044 1,173 7,805 214,800 164,550 75,085 

California Bank of Commerce Lafayette CA West 348,973 60,775 13,291 390 1,632 76,087 122,539 35,300 

Capital Bank San Juan Capistrano CA West 142,203 13,838 11,346 98 295 25,575 9,123                

36,627 

Central Valley Community Bancorp Fresno CA West 889,497 82,216 110,907 18,420 41,356 252,898 72,657 114,444 2

Community Valley Bank El Centro CA West 108,674 11,352                  ‐ 2,293                      ‐ 13,645 9,436 23,652                

First California Financial Group, Inc. Westlake Village CA West 1,898,613 227,247 127,145 51 855 355,297 175,863              

179,241 

First Northern Community Bancorp Dixon CA West 831,483 88,431 116,575 30,680 22,480 258,166 77,052 93,090 3

First PacTrust Bancorp, Inc. Irvine CA West 1,676,080 553                  ‐ 8,525                      ‐ 9,077 96,618                

76,103 

FNB Bancorp South San Francisco CA West 872,077 67,974 69,468 0 5,118 142,560 55,293                

74,637 

Founders Bancorp San Luis Obispo CA West 135,728 24,400                ‐ 11,516 2,218 38,133 23,682                

30,501 

GBC Holdings, Inc. Los Angeles CA West 461,152 48,872                ‐ 64,652 468 113,992 87,448 92,137                

Oak Valley Bancorp Oakdale CA West 660,451 36,927 91,868 10,876 18,272 157,944 36,396 91,906 1

Pacific Coast Bankers' Bancshares San Francisco CA West 641,088 10,701                ‐ 35,168                      ‐ 45,869 20,457                

22,347                

Partners Bank of California Mission Viejo CA West 127,860 40,849                ‐ 13,880                      ‐ 54,729 45,313                

18,552                

ProAmérica Bank (Promérica Bank) Los Angeles CA West 154,095 18,665                ‐ 28,650                      ‐ 47,315 10,032                

43,172                

Redwood Capital Bancorp Eureka CA West 241,538 16,119 28,172 120 2,899 47,311 11,202                

42,476 

Seacoast Commerce Bank Chula Vista CA West 200,702 12,916                ‐ 42,691 456 56,063 3,250              

145,051 

Security California Bancorp Riverside CA West 479,263 112,334                ‐ 67,475                      ‐ 179,809 110,538                

98,169 

Silvergate Capital Corporation La Jolla CA West 684,387 3,408                  ‐ 6,233                      ‐ 9,641 2,481                

10,223                

Summit State Bank Santa Rosa CA West 444,892 40,612 33,151 2,405 24,934 101,101 38,093 41,570 

The Bank of Santa Barbara Santa Barbara CA West 131,261 11,319                  ‐ 9,943 1,514 22,776 42,253                

21,452                

The Private Bank of California Los Angeles CA West 712,410 70,098                ‐ 16,855                      ‐ 86,953 136,337                

43,327                

CIC Bancshares, Inc. Denver CO West 410,292 1,433                        ‐ 21                      ‐ 1,454 50,474                

55,974 

CoBiz Financial Inc. Denver CO West 2,612,223 464,781 390,528 5,703 2,295 863,306 535,161 436,323 

Columbine Capital Corp. Buena Vista CO West 261,312 22,300 16,986 221 893 40,399 39,387 39,789 

Morgan Capital Corporation Fort Morgan CO West 133,240 13,330 6,289 4,169 3,950 27,738 17,478 5,912 

Steele Street Bank Corporation Denver CO West 477,759 34,832                ‐ 32,612                      ‐ 67,443 43,100                

56,518                

Verus Acquisition Group, Inc. Fort Collins CO West 267,095 14,365 45,134 88 7,204 66,792 21,829                

58,679 

BNC Financial Group, Inc. New Canaan CT Northeast 610,260 3,378                ‐ 24,882                      ‐ 28,259 51,505                

67,417                

Salisbury Bancorp, Inc. Lakeville CT Northeast 600,811 23,290 49,853 402 5,666 79,211 37,149 67,210 

SBT Bancorp, Inc. Simsbury CT Northeast 375,024 14,128                ‐ 21,168                      ‐ 35,295 13,991                

33,617                

Community Bank Delaware Lewes DE South 142,047 6,962 20,018 574 1,175 28,729 5,248 32,512 

Bank of Central Florida Lakeland FL South 326,617 29,147                ‐ 27,541                      ‐ 56,688 52,691                

49,064                

Broward Financial Holdings, Inc. Fort Lauderdale FL South 142,630                ‐ 14,234                      ‐                      ‐ 14,234 18,215                

30,781                

CBOS Bankshares, Inc. Merritt Island FL South 129,900 5,742                ‐ 40,542                      ‐ 46,283 5,395                

30,249                

Community Southern Bank Lakeland FL South 206,529 13,773 15,059 813 115 29,759 29,805 23,188 

FineMark Holdings, Inc. Fort Myers FL South 525,002 12,141 15,375                     ‐ 112 27,628 35,043                

31,939                

First Green Bancorp, Inc. (First Green Bank) Eustis FL South 200,186 6,491                ‐ 23,716 133 30,339 12,637                

60,339 

Institution

Region Total Assets 

Q4 2012

Baseline Business

Lending

Baseline Lending
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 

Q4 2012

Baseline Business

Lending

Baseline Lending

Florida Business BancGroup, Inc. Tampa FL South 650,606 41,885                ‐ 46,924                      ‐ 88,809 35,976                

96,586 

Florida Community Bankshares, Inc. Ocala FL South 568,953 29,777 56,970 8,266 68,740 163,752 17,040 39,289 

Florida Shores Bancorp, Inc. Pompano Beach FL South 544,188 35,523                ‐ 38,461                      ‐ 73,983 38,755                

93,272 

Florida Traditions Bank Dade City FL South 276,353 30,449 24,910 299 5,624 61,282 45,658 51,016 

Gulfstream Bancshares, Inc. Stuart FL South 549,596 123,553              ‐ 159,465                      ‐ 283,018 100,897              

138,801                

HomeBancorp, Inc. Tampa FL South 542,890 3,043                ‐ 10,343                      ‐ 13,385 2,245                

13,276                

Jefferson Bank of Florida Oldsmar FL South 173,487 9,021                  ‐ 4,870                      ‐ 13,891 15,082                

12,704                

Marquis Bank Coral Gables FL South 171,186 1,427                  ‐ 9,846                      ‐ 11,273 12,682                

18,788                

Ovation Holdings, Inc. Naples FL South 353,690 1,684                  ‐ 8,013                      ‐ 9,698 5,973                

38,192 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL South 416,938 57,110 95,349 222 10,816 163,496 88,517 104,907 Lowndes Bancshares, Inc. Valdosta GA South 213,221 10,135                ‐ 38,874                      ‐ 49,009 13,357 36,053 Resurgens Bancorp Atlanta GA South 87,030 8,251                  ‐ 4,870 1,965 15,086 16,471                

11,203 

The Peoples Bank of Talbotton Talbotton GA South 38,123 647                  ‐ 3,191 2,106 5,943 1,092                  

3,492 

Commercial Financial Corp Storm Lake IA Midwest 489,735 128,275 39,538 38,076 22,656 228,545 117,811 50,115 5

Heartland Financial USA, Inc. Dubuque IA Midwest 5,068,676 453,188 485,865 80,290 194,060 1,213,402 755,596 554,438 14

Liberty Financial Services, Inc. Sioux City IA Midwest 275,893 36,186 17,912 4,466 5,574 64,138 36,915 23,470 

Two Rivers Financial Group, Inc. Burlington IA Midwest 659,544 114,756 65,269 13,984 20,410 214,418 111,074 56,462 1

D. L. Evans Bancorp Burley ID West 994,602 69,464 158,111 107,881 60,654 396,108 78,431 144,330 8

Bancorp Financial, Inc. Oak Brook IL Midwest 460,860 5,790                  ‐ 9,122                      ‐ 14,912 9,276                  

7,702                

Community First Bancorp, Inc. Fairview Heights IL Midwest 202,336 23,850                ‐ 23,424 7,233 54,507 39,807                

35,485 

Community Illinois Corporation Rock Falls IL Midwest 258,205 29,250 10,821 16,703 22,134 78,909 28,214 19,447 1

First Bankers Trustshares, Inc. Quincy IL Midwest 796,436 34,554 53,147 20,504 20,851 129,056 51,528 85,589 2

First Busey Corporation Champaign IL Midwest 3,581,292 313,814 356,714 38,356 57,626 766,509 304,397 293,780 3

First Community Financial Corporation Elgin IL Midwest 172,438 6,337                ‐ 26,075 582 32,993 7,741                

29,257 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 253,900                  ‐ 7,789 7,887 25,857 41,533 18,570 2,311 1

First Robinson Financial Corporation Robinson IL Midwest 232,649 14,280 7,658 3,957 8,804 34,699 13,878 24,314 

Fisher Bancorp, Inc. Fisher IL Midwest 93,077 4,244 6,329 2,457 2,741 15,770 3,356 6,784 Heartland Bancorp, Inc. Bloomington IL Midwest 2,927,655 189,580 219,980 36,243 38,855 484,658 232,411 363,194 6

Illinois State Bancorp, Inc. Chicago IL Midwest 388,174 21,057                ‐ 38,971 160 60,188 19,100                

57,049 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 167,585 35,038                ‐ 20,722                      ‐ 55,760 52,104                

21,193                

People First Bancshares, Inc. Pana IL Midwest 404,513 48,975 9,408 48,716 13,254 120,352 74,619 18,541 8

Prime Banc Corp. Dieterich IL Midwest 519,822 21,310 6,268 9,480 22,344 59,401 28,218 54,093 1

QCR Holdings, Inc. Moline IL Midwest 2,127,058 331,888 157,873 59 4,915 494,735 306,336 185,376 

Signature Bancorporation, Inc. Chicago IL Midwest 362,411 88,196                ‐ 37,019                      ‐ 125,214 161,066                

47,013                

Southern Illinois Bancorp, Inc. Carmi IL Midwest 380,560 37,465 17,420 18,888 21,392 95,164 56,210 40,484 2

Town and Country Financial Corporation Springfield IL Midwest 462,869 34,830 59,359 6,536 5,550 106,274 37,262 83,244 

Tri‐County Financial Group, Inc. Mendota IL Midwest 920,888 23,912 24,883 30,134 35,679 114,608 58,733 40,899 5

United Community Bancorp, Inc. Chatham IL Midwest 1,279,813 98,783 95,660 47,661 74,408 316,511 125,929 92,984 6AMB Financial Corp. Munster IN Midwest 179,493 7,638                ‐ 14,191                      ‐ 21,829 6,685                

14,689                

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 819,312 87,840 88,791 690 4,709 182,030 91,879 92,448 

First Merchants Corporation Muncie IN Midwest 4,285,219 673,225 515,331 115,882 147,472 1,451,909 622,579 434,246 11

First Savings Financial Group, Inc. Clarksville IN Midwest 649,561 26,351                ‐ 39,403                      ‐ 65,754 28,738 53,291 

Horizon Bancorp Michigan City IN Midwest 1,845,560 63,712 84,200 3,279 7,424 158,615 80,653 128,013 

MutualFirst Financial, Inc. Muncie IN Midwest 1,422,164 71,501              ‐ 108,819                      ‐ 180,319 61,769 97,496 

Bern Bancshares, Inc. Bern KS Midwest 80,410 4,671 46 14,941 3,145 22,803 2,885 751 1

Brotherhood Bancshares, Inc. Kansas City KS Midwest 556,667 42,681                ‐ 28,067 3,673 74,420 20,148                

17,884 

CB Bancshares Corp. Weir KS Midwest 12,994                     ‐ 819 263 299 1,382                     ‐ 342 

Equity Bancshares, Inc. Wichita KS Midwest 1,189,785 72,242 44,546 7,028 5,075 128,891 128,146 144,058 1

Farmers State Bankshares, Inc. Holton KS Midwest 57,695 4,518 20 3,835 4,697 13,070 1,936 1,851 Freedom Bancshares, Inc. Overland Park KS Midwest 151,796 17,081                ‐ 18,667                      ‐ 35,748 28,230                

21,110                

Osborne Investments, Inc. Osborne KS Midwest 57,708 1,549 451 9,025 4,697 15,722 3,262 1,266 1UBT Bancshares, Inc. Marysville KS Midwest 547,458 41,004 27,943 44,044 63,137 176,128 46,262 18,260 6

FCB Bancorp, Inc. Louisville KY South 459,403 27,761                ‐ 54,823 56 82,640 18,743                

53,134 

Magnolia Bancshares Inc. Hodgenville KY South 137,827 6,246 10,176 2,066 14,930 33,419 6,139 15,099 

Community Trust Financial Corporation Ruston LA South 3,076,739 294,044 150,315 1,480 24,990 470,828 902,528 255,370 
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 

Q4 2012

Baseline Business

Lending

Baseline Lending

First Guaranty Bancshares, Inc. Hammond LA South 1,406,749 85,481 82,769 17,727 12,111 198,087 117,425 128,438 1

First NBC Bank Holding Company New Orleans LA South 2,663,640 288,580              ‐ 212,783 261 501,625 654,004              

360,389 

MidSouth Bancorp, Inc. Lafayette LA South 1,849,274 185,803 126,929 6,367 3,019 322,119 296,872 205,102 1

Ouachita Bancshares Corp. Monroe LA South 622,232 47,682 73,761 14,288 9,163 144,892 66,799 96,978 1

Progressive Bancorp, Inc. Monroe LA South 474,380 54,604 42,050 1,671 7,976 106,300 50,736 46,942 

Hyde Park Bancorp, Inc. Hyde Park MA Northeast 1,185,463 1,142                     ‐ 542                      ‐ 1,684 33,762                  

7,966                

Island Bancorp, Inc. Edgartown MA Northeast 149,169 2,672                ‐ 20,909                      ‐ 23,581 4,136                

30,082                

Leader Bancorp, Inc. Arlington MA Northeast 587,570 7,075                ‐ 24,647                      ‐ 31,722 22,248                

50,781                

New England Bancorp, Inc. Hyannis MA Northeast 195,843 9,707                ‐ 19,019                      ‐ 28,726 27,479                

33,982                

Provident Bancorp, Inc. Amesbury MA Northeast 576,672 17,487                ‐ 70,118 93 87,697 60,259                

75,920 

Rockport National Bancorp, Inc. Rockport MA Northeast 186,075 9,222                ‐ 29,422                      ‐ 38,643 9,099                

36,546                

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 454,062 22,466                ‐ 24,415                      ‐ 46,880 35,498                

59,363                

Eagle Bancorp, Inc. Bethesda MD South 3,399,252 325,046              ‐ 122,093                      ‐ 447,140 600,710              

239,766 

Howard Bancorp, Inc. Ellicott City MD South 401,366 91,705                ‐ 41,681 794 134,180 87,379                

57,754 

Monument Bank Bethesda MD South 401,208 20,990                ‐ 12,522 576 34,088 23,875                

28,583 

Tri‐County Financial Corporation Waldorf MD South 978,404 121,233              ‐ 137,607                      ‐ 258,840 104,407              

189,487                

Katahdin Bankshares Corp. Houlton ME Northeast 575,678 95,319 50,102 3,312 2,706 151,438 114,934 61,377 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 152,198 15,987                ‐ 17,807                      ‐ 33,793 25,121                

29,029                

Crestmark Bancorp, Inc. Troy MI Midwest 407,284 153,006                  ‐ 1,470                      ‐ 154,475 326,502                  

2,715                

Huron Valley State Bank Milford MI Midwest 79,277 5,648                ‐ 16,506 191 22,345 8,455                

22,445 

Level One Bancorp, Inc. Farmington Hills MI Midwest 495,355 39,110                ‐ 24,606                      ‐ 63,716 115,826                

59,064                

Valley Financial Group, Ltd. Saginaw MI Midwest 180,163 38,248                ‐ 36,190 90 74,528 45,798                

42,052 

Financial Services of Winger, Inc. Fosston MN Midwest 136,605 19,628 7,190 25,894 21,040 73,751 21,563 12,893 3

Heritage Bancshares Group, Inc. Willmar MN Midwest 447,183 59,801 32,540 48,486 28,555 169,382 57,985 21,406 6

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 55,195 4,668 9,381 3,475 7,114 24,637 7,556 15,506 

McLeod Bancshares, Inc. Shorewood MN Midwest 398,820 23,330 3,763 5,618 2,780 35,490 12,389 16,696 MidWest Bancorporation, Inc. Eden Prairie MN Midwest 220,797 35,697                ‐ 18,909                      ‐ 54,606 18,277 11,234 2

Platinum Bancorp, Inc. Oakdale MN Midwest 155,722 19,145                ‐ 27,015 573 46,733 28,344                

27,376 

Redwood Financial, Inc. Redwood Falls MN Midwest 205,184 24,855                ‐ 31,378                      ‐ 56,233 16,434 20,931 2Cardinal Bancorp II, Inc. Washington MO Midwest 280,263 34,752 29,431 190 5,482 69,855 45,266 34,256 

Fortune Financial Corporation Arnold MO Midwest 145,649 24,461                ‐ 23,534 370 48,366 22,204                

21,447                

Great Southern Bancorp, Inc. Springfield MO Midwest 3,953,615 138,613 136,926 4,079 21,896 301,514 203,113 132,314 

Liberty Bancorp, Inc. Liberty MO Midwest 410,661 23,445                ‐ 53,499                      ‐ 76,944 42,251                

58,683 

Security State Bancshares, Inc. Charleston MO Midwest 658,492 56,094 57,781 30,314 49,925 194,113 55,281 68,064 3

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 763,553 52,833 42,934 28,817 26,753 151,336 71,305 75,232 3

The Landrum Company Columbia MO Midwest 1,751,541 134,266 183,524 27,453 93,726 438,969 134,928 204,326 2

Triad Bancorp, Inc. Frontenac MO Midwest 221,511 15,530                ‐ 16,895 820 33,245 22,954                

32,028 

BankFirst Capital Corporation Macon MS South 747,529 58,754 75,633 9,765 42,941 187,093 73,021 83,291 Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS South 5,707,563 390,730 469,509 9,668 19,435 889,341 1,794,168 268,467 

Bancorp of Montana Holding Company Missoula MT West 42,610 1,208                  ‐ 1,994 444 3,646 5,060                  

3,980 

First Bancorp Troy NC South 3,244,951 140,198 279,520 7,734 36,485 463,938 139,490 363,009 

Live Oak Bancshares, Inc. Wilmington NC South 337,509 27,794                ‐ 73,668                      ‐ 101,462 88,751                

94,981                

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC South 2,010,261 42,334                ‐ 51,218 122 93,673 111,173 285,813 

Premara Financial, Inc. Charlotte NC South 266,142 15,263                ‐ 23,523                      ‐ 38,786 21,004                

43,141 

Providence Bank Rocky Mount NC South 192,687 14,547 12,644 780 826 28,797 16,914 19,255 

Select Bancorp, Inc. Greenville NC South 257,860 18,588                  ‐ 9,146 1,726 29,459 19,020                

23,268 

Union Bank & Trust Company Oxford NC South 203,296 19,991 15,549 10 3,112 38,662 19,462 22,244 Alerus Financial Corporation Grand Forks ND Midwest 1,315,127 180,756 65,037 33,489 10,852 290,134 254,351 128,571 3

Western State Agency, Inc. Devils Lake ND Midwest 576,362 97,220 32,153 14,569 6,955 150,896 167,247 20,078 1

Adbanc Inc. Ogallala NE Midwest 565,727 69,479 59,439 77,060 51,676 257,654 74,560 62,909 8Banner County Ban Corporation Harrisburg NE Midwest 103,460 8,633 2,981 30,815 15,368 57,797 10,141 6,962 3

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 400,605 40,835 24,786 25,570 36,985 128,176 48,471 32,128 4

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 823,398 105,188              ‐ 145,314                      ‐ 250,502 145,953              

193,527                

First Colebrook Bancorp, Inc. Colebrook NH Northeast 250,600 25,654 42,281 569 82 68,585 34,104 47,766 
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 

Q4 2012

Baseline Business

Lending

Baseline Lending

Guaranty Bancorp, Inc. Woodsville NH Northeast 394,562 37,136 48,710 454 1,988 88,288 35,699 57,450 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,268,609 57,064                ‐ 80,606                      ‐ 137,670 51,232 146,575 

Northway Financial, Inc. Berlin NH Northeast 869,816 44,870                ‐ 67,422                      ‐ 112,292 82,306                

60,598                

Center Bancorp, Inc. Union NJ Northeast 1,628,980 106,353              ‐ 113,588                      ‐ 219,941 168,518                

98,304                

Community Partners Bancorp Middletown NJ Northeast 733,870 48,487              ‐ 135,572 204 184,262 48,635              

149,646 

Crest Savings Bancorp, Inc. Wildwood NJ Northeast 381,963 3,201                ‐ 17,693                      ‐ 20,894 3,620                

19,545                

Freedom Bank Oradell NJ Northeast 163,629 14,905                ‐ 17,540                      ‐ 32,445 9,907                

38,185                

Harmony Bank Jackson NJ Northeast 147,187 929                  ‐ 9,059 1,000 10,988 4,219                

35,695 

Highlands Bancorp, Inc. Vernon NJ Northeast 193,109 16,612                ‐ 17,780 777 35,168 25,895                

39,438 

Hopewell Valley Community Bank Pennington NJ Northeast 452,849 9,885                ‐ 76,725 876 87,485 16,183              

108,899 

Regal Bank Livingston NJ Northeast 261,378 1,682                ‐ 24,190                      ‐ 25,872 4,422                

39,632                

Stewardship Financial Corporation Midland Park NJ Northeast 687,277 48,805              ‐ 156,337 1,053 206,195 31,254              

169,656 

Meadows Bank Las Vegas NV West 293,119 29,330                ‐ 21,164                      ‐ 50,495 81,228                

44,774                

Alma Bank Astoria NY Northeast 880,773 66,760                ‐ 25,038                      ‐ 91,798 193,424              

142,406                

Catskill Hudson Bancorp, Inc. Rock Hill NY Northeast 382,561 42,715 54,456 277 1,075 98,522 47,382 89,177 

Elmira Savings Bank (The Elmira Savings Bank, FSB) Elmira NY Northeast 537,004 36,668                ‐ 58,685                      ‐ 95,353 29,114                

65,165                

Greater Rochester Bancorp, Inc. Rochester NY Northeast 334,781 43,466                ‐ 17,134 1,736 62,336 75,386                

36,028 

Kinderhook Bank Corp. Kinderhook NY Northeast 313,330 18,911 19,028 58 2,330 40,328 27,268 35,401 

Pathfinder Bancorp, Inc. Oswego NY Northeast 530,291 25,983                ‐ 48,698 786 75,467 32,787                

58,311 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Northeast 265,187 6,963                  ‐ 9,127                      ‐ 16,090 16,900 13,696 

Columbus First Bancorp, Inc Worthington OH Midwest 237,042 19,279                ‐ 15,132                      ‐ 34,411 24,983                

28,314 

Community Independent Bancorp Inc. West Salem OH Midwest 94,730 2,587 5,795 133 3,505 12,020 3,039 9,487 

Insight Bank Columbus OH Midwest 185,982 3,205                ‐ 10,876                      ‐ 14,080 12,011                

21,140                

AmeriBank Holding Company Collinsville OK South 152,444 19,843 9,416 1,590 2,324 33,172 28,480 6,489 

Central Service Corporation Enid OK South 594,993 43,994 23,240 43,232 38,675 149,140 71,632 26,533 5F & M Bancorporation, Inc. Tulsa OK South 2,308,442 382,607 142,344 17 955 525,922 1,079,817 186,635 

Prime Bank Group Edmond OK South 167,647 7,722 10,116 53 1,742 19,632 24,771 26,308 

Regent Capital Corporation Nowata OK South 188,771 24,582 17,779 3,616 9,416 55,394 39,254 24,996 

AmeriServ Financial, Inc. Johnstown PA Northeast 975,223 92,509                ‐ 62,972 178 155,659 102,745                

94,339 

CBT Financial Corp. Clearfield PA Northeast 417,568 34,922 32,578 1,037 6,580 75,117 45,224 31,312 Centric Financial Corporation Harrisburg PA Northeast 301,574 16,476 31,487 193 1,397 49,553 32,745 48,640 

Codorus Valley Bancorp, Inc. York PA Northeast 1,056,678 46,618 104,503 1,653 24,703 177,476 77,431 118,282 

DNB Financial Corporation Downingtown PA Northeast 639,527 38,960                ‐ 73,668 10,878 123,505 58,442                

86,798 

Emclaire Financial Corp. Emlenton PA Northeast 507,595 33,244                ‐ 25,924                      ‐ 59,168 33,482 25,810 

Enterprise Financial Services Group, Inc. Allison Park PA Northeast 259,939 37,394                ‐ 75,423 424 113,241 42,658                

91,739 

First Resource Bank Exton PA Northeast 151,051 11,395                ‐ 19,652 1,119 32,165 13,200                

27,232 

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Northeast 226,429 18,122                  ‐ 7,022                      ‐ 25,143 24,724                

17,352                

Jonestown Bank and Trust Company Jonestown PA Northeast 397,492 6,880 29,539 11 4,390 40,820 12,256 39,030 

MileStone Bank Doylestown PA Northeast 193,876 17,161                ‐ 29,937                      ‐ 47,098 48,401                

49,349                

Monument Bank Doylestown PA Northeast 213,192 1,478                ‐ 17,409 828 19,715 1,382                

46,757 

Penn Liberty Financial Corp. Wayne PA Northeast 565,636 58,496                ‐ 84,723                      ‐ 143,218 76,535              

107,588                

Phoenix Bancorp, Inc. Minersville PA Northeast 131,913 5,262                  ‐ 4,097                      ‐ 9,359 12,057                

25,723 

Team Capital Bank Bethlehem PA Northeast 920,500 58,221                ‐ 58,748                      ‐ 116,969 73,935              

101,030 

The Victory Bancorp, Inc. Limerick PA Northeast 126,755 13,913                  ‐ 8,245 1,757 23,916 31,313                

20,108 

Valley Green Bank Philadelphia PA Northeast 295,812 10,485                ‐ 12,990                      ‐ 23,475 31,954                

38,483                

York Traditions Bank York PA Northeast 282,341 48,533                ‐ 27,986 2,156 78,674 52,881                

46,161 

Carolina Alliance Bank Spartanburg SC South 249,116 29,943                ‐ 34,965 830 65,737 36,827                

54,793 

GrandSouth Bancorporation Greenville SC South 378,673 49,299 43,148 114 3,454 96,015 55,002 46,531 

TCB Corporation Greenwood SC South 315,687 16,375                ‐ 40,863 1,056 58,294 20,473                

48,374 

BHCB Holding Company Rapid City SD Midwest 123,655 11,260 16,312 1,696 1,627 30,895 16,412 35,939 

Avenue Financial Holdings, Inc. Nashville TN South 722,714 92,450                ‐ 29,501                      ‐ 121,950 130,264                

50,508                

CapitalMark Bank & Trust Chattanooga TN South 780,973 88,680                ‐ 45,869                      ‐ 134,549 143,512                

91,264 

Carroll Financial Services, Inc. Huntingdon TN South 270,602 7,921 34,549 4,141 14,441 61,052 11,463 41,416 

Community First Bancshares, Inc. Union City TN South 1,739,370 102,278 165,597 16,329 35,772 319,976 125,117 158,534 1

Evolve Bancorp, Inc. Cordova TN South 274,539 8,239 5,161 2,211 3,490 19,101 13,001 26,816 
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 

Q4 2012

Baseline Business

Lending

Baseline Lending

Franklin Financial Network, Inc. Franklin TN South 577,479 10,261 9,123 823 149 20,356 20,324 9,588 

Independent Holdings, Inc. Memphis TN South 804,574 39,655                ‐ 11,109 1,474 52,238 62,088                

16,589 

InsCorp, Inc. Nashville TN South 204,232 11,667                  ‐ 8,603 765 21,034 22,409                

25,736 

Landmark Community Bank Collierville TN South 415,184 17,728 11,183 94 263 29,268 37,687                

18,307                

Magna Bank Memphis TN South 493,648 24,492                ‐ 17,032                      ‐ 41,524 69,264 21,830                

Merchants and Planters Bancshares, Inc. Bolivar TN South 90,704 5,479 10,527 361 2,730 19,097 6,342 15,209 

Moneytree Corporation Lenoir City TN South 387,820 35,050 32,806 61 1,627 69,543 20,313                

52,821 

Planters Financial Group, Inc. Clarksville TN South 730,009 59,970 67,388 12,733 34,238 174,327 70,717 99,455 1

Sequatchie Valley Bancshares, Inc. Dunlap TN South 592,674 2,685 34,739 770 6,525 44,719 1,793 11,542 

SmartFinancial, Inc. Pigeon Forge TN South 464,012 21,736                ‐ 14,293 1,139 37,167 32,316                

37,468 

Southern Heritage Bancshares, Inc. Cleveland TN South 242,650 26,826 30,355 33 1,077 58,290 25,550 42,090                

Sumner Bank & Trust Gallatin TN South 183,960 12,075 15,701 43 694 28,512 11,734 19,539 

AIM Bancshares, Inc. Levelland TX South 407,288 39,299 14,585 13,262 6,874 74,020 92,531 29,875 1

BMC Bancshares, Inc. Dallas TX South 59,878 765 2,514 825 223 4,326 1,868 11,417                

BOH Holdings, Inc. Houston TX South 896,736 127,907                ‐ 69,441                      ‐ 197,348 191,131              

136,621 

FB BanCorp San Antonio TX South 605,942 99,765                  ‐ 2,480                      ‐ 102,244 76,842 2,446                

4

First Texas BHC, Inc. Fort Worth TX South 1,137,323 85,806 71,371 110 2,229 159,515 197,566 113,310 

Frontier Bancshares, Inc. Austin TX South 343,045 25,056 29,742 851 6,814 62,462 51,872 74,781 

FVNB Corp. Victoria TX South 2,388,870 256,962 185,801 102,406 86,398 631,567 314,724 281,972 12

Happy Bancshares, Inc. Amarillo TX South 2,123,441 201,680 93,384 130,663 51,686 477,414 294,297 131,969 26

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX South 6,502,231 1,018,142 363,288 60,432 61,652 1,503,514 1,126,451 475,086 4

Joaquin Bankshares Inc. Huntington TX South 124,226 14,762 13,696 1,602 13,014 43,074 29,684 11,517 

Liberty Capital Bancshares, Inc. Addison TX South 118,394 9,008                  ‐ 5,927 1,722 16,657 26,385                  

9,239                

McLaughlin Bancshares, Inc. Ralls TX South 239,797 18,912 4,166 29,426 3,706 56,210 30,832 14,551 2

Pioneer Bank, SSB Drippings Springs TX South 214,558 7,439                  ‐ 8,987 1,142 17,568 24,493 25,218 

Southwestern Bancorp, Inc. Boerne TX South 104,862 5,487 12,617 2,545 1,837 22,486 7,100 14,004 

Sovereign Bancshares, Inc. Dallas TX South 1,062,584 196,282                ‐ 22,060 918 219,260 246,942                

43,666 

Steele Holdings, Inc. Tyler TX South 235,265 14,649 15,060 427 1,007 31,142 18,085 32,108 

The ANB Corporation Terrell TX South 2,294,268 142,877 265,405 6,732 22,473 437,487 115,708 388,837 

Third Coast Bank SSB Humble TX South 257,376 33,954                ‐ 30,443                      ‐ 64,397 81,617                

49,777 

Veritex Holdings, Inc. Dallas TX South 523,401 24,303                ‐ 14,187 1,151 39,641 123,779                

66,782 

Cache Valley Banking Company Logan UT West 523,874 33,786 39,918 9,516 16,242 99,462 51,977 100,896 1

Continental Bancorporation Salt Lake City UT West 127,977 44,446                ‐ 12,863                      ‐ 57,309 34,409 19,504 

LCA Bank Corporation Park City UT West 74,584                     ‐ 136                      ‐                      ‐ 136                  ‐ 1,884                      

               

Medallion Bank Salt Lake City UT West 723,806              ‐ 234,859                      ‐                      ‐ 234,859             ‐ 396,542                      

               

Blue Ridge Bankshares, Inc. Luray VA South 207,214 4,225 15,593 159 2,442 22,419 7,490 15,255 

Citizens Community Bank South Hill VA South 162,546 18,419 16,605 251 3,246 38,520 12,317 26,264 

Heritage Bankshares, Inc. Norfolk VA South 334,633 29,431                ‐ 36,330                      ‐ 65,761 26,283                

55,028                

TowneBank Portsmouth VA South 4,405,926 302,054 531,494 675 6,389 840,612 398,085 695,747 

United Financial Banking Companies, Inc. Vienna VA South 328,027 17,679                ‐ 59,243                      ‐ 76,922 26,254                

65,114                

Virginia Heritage Bank Fairfax VA South 781,573 39,167                ‐ 50,228                      ‐ 89,395 38,856              

113,276 

WashingtonFirst Bankshares, Inc. Reston VA South 1,146,527 60,171 13,644 117 3,240 77,172 126,331              

145,568 

Xenith Bankshares, Inc. Richmond VA South 562,467 14,641                ‐ 19,095 593 34,328 140,532 57,686 

Puget Sound Bank Bellevue WA West 268,389 49,945                ‐ 28,866                      ‐ 78,810 91,868                

39,929 

U&I Financial Corp Lynnwood WA West 187,896 8,950                ‐ 34,994                      ‐ 43,943 10,451                

45,249                

W.T.B. Financial Corporation Spokane WA West 4,464,717 726,366 358,143 80,131 37,049 1,201,688 669,302 415,711 13

County Bancorp, Inc. Manitowoc WI Midwest 754,613 44,238 63,411 118,072 171,649 397,369 60,357 52,626 15

Deerfield Financial Corporation Deerfield WI Midwest 109,851 15,306 116 4,065 1,820 21,306 9,571 7,792 

First American Investment, Inc. Hudson WI Midwest 95,412 4,014 15,043                     ‐ 163 19,220 6,050 22,784 

First Menasha Bancshares, Inc. Neenah WI Midwest 337,030 51,762 29,044 6 519 81,331 62,176 39,629 

Nicolet Bankshares, Inc. Green Bay WI Midwest 728,459 129,397 137,477 41 2,935 269,850 176,077 106,888 

Northern Bankshares, Inc. McFarland WI Midwest 437,298 26,290 62,897 1,313 15,949 106,449 33,443              

111,263 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 71,720 3,710 8,995 6,075 11,414 30,194 3,573 7,377 

Sword Financial Corporation Horicon WI Midwest 541,965 63,172 127,299 10,132 21,004 221,607 65,370 128,820 1

First Bank of Charleston Charleston WV South 205,480 23,426                  ‐ 1,497                      ‐ 24,923 28,021                  

2,746                
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 

Q4 2012

Baseline Business

Lending

Baseline Lending

MVB Financial Corp. Fairmont WV South 726,507 15,650                ‐ 38,312                      ‐ 53,962 24,355                

66,812                

Financial Security Corporation Basin WY West 318,948 26,934 10,943 18,648 17,218 73,742 34,092 18,297 1