July 2013 (Updated 08/02/2013)

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 banks1 and 

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

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

and promote economic growth in communities across the nation. 

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

31, 2013, relative to baseline levels.

2

 As of March 31, 2013, institutions participating in SBLF have made 

important progress in increasing their small business lending, helping to support small businesses and 

local economies across the nation.

• In total, SBLF participants have increased their small business lending by $9.0 billion over a 

$36.3 billion baseline, and by $206 million over the prior quarter.

• Increases in small business lending are widespread across SBLF participants, with 91 percent of 

participants having increased their small business lending over baseline levels.

• Over three-quarters of SBLF participants (81 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 519 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

6,161 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 41.5 percent over

baseline levels, versus a 5.5 percent median increase for the representative peer group and a 

1.9 percent median increase for the broader comparison group.

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

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

groups.

• SBLF banks that refinanced CPP funding have increased business lending by a median of 37.8

percent since their initial receipt of CPP funding from Treasury versus a 13.5 percent increase 

for the peer group and a 6.1 percent increase for the comparison group over the same period. 

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

 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 317

institutions that continued to participate in the program as of April 30, 2013, including 267 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 June 1, 2013, 15 institutions with aggregate investments of $162.3 million have fully redeemed 

their SBLF securities and exited the program, and 14 institutions have partially redeemed $129.6 million 

(or 34 percent of their SBLF securities) though continue to participate in the program. To date, 

redemptions have resulted in only a modest change in reported qualified small business lending ($35 

million) as the reductions in both the reported baseline and then-current quarter small business 

amounts at the time of exit were equal to $2.0 billion in each case.

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

CDLFs with less than $10 billion in assets.

• For community banks, the SBLF 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 March 31, 2013, SBLF participants have increased their small business lending by $9.0 billion over 

their aggregate baseline of $36.3 billion. Bank participants have increased their small business lending 

by $8.8 billion (or 25 percent) over a $35.5 billion baseline, and CDLFs increased their small business 

lending by $208.1 million (or 27 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 March 31, 

2013.

Increase in Small Business Lending over Baseline by SBLF Participants4

(Reported as of March 31, 2013)

Increases in small business lending are widespread among SBLF participants. To date, 244 of the 267

participating community banks (or 91 percent) and 45 of the 50 CDLFs (or 90 percent) have increased 

their small business lending. In addition, 257 of the 317 SBLF participants (or 81 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 C for institution-specific reporting of

small business lending by SBLF participants.

 4 Because of resubmissions of quarterly supplemental reports by some participants, the small business lending numbers in this 

graph differ slightly from those in previous reports. For the most recent quarter, the Q4 2012 increase in small business lending 

was revised from $8.9 billion to $8.8 billion. For more information on how small business lending is measured, see Appendix A.
4

SBLF Participants Reporting Increases in Small Business Lending over Baseline5

(Reported as of March 31, 2013)

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

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

$4.5 billion.6

 At the time of Treasury’s investment, participants projected that they would increase 

qualified small business lending by $9.3 billion in the two years following Treasury’s investment based 

on lending plans submitted during the application process ($9.0 billion excluding participants that 

subsequently redeemed). As of Q2 2012, current SBLF participants provided updated projections 

estimating that they would increase qualified small business lending by $10.3 billion.

As of March 31, 2013, the $9.0 billion increase achieved over baseline levels represents approximately 

97 percent of the initial projection, 87 percent of the updated projection, and over two times the $4.5 

billion program incentive.7

 The quarter ended March 31, 2013 represents the sixth of eight quarters for 

which most SBLF participants submitted their two-year plans.

The figures in this section reflect changes in small business lending over baseline levels as specified by 

the Act (defined as the loan balances that were reported for each of the four calendar quarters ended 

 5 As a result of redemptions, the total number of SBLF institutions was 317 as of Q1 2013, 320 as of Q4 2012, 326 as of Q3 2012, 

328 as of Q2 2012, and 332 as of Q1 2012 and Q4 2011. 6 Throughout this report, the term “program incentive” is defined as the aggregate increase that would be required for 

participants to receive the lowest available dividend or interest rate under the SBLF program terms. 7 As of March 31, 2013, some institutions have increased lending by more than their maximum program incentive, while others 

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

participants.
5

June 30, 2010). Treasury’s investments in SBLF participants were made in the quarters ending June 30, 

2011 and September 30, 2011. 

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

others decreased. The Act, and the associated program terms, specified that an institution’s initial 

dividend or interest rate shall be based on call report data published in the quarter immediately 

preceding the date of the SBLF investment. Among other effects, this provision may have encouraged 

institutions to increase small business lending prior to entering the SBLF program, as they would receive 

the associated dividend or interest rate benefit immediately upon entry. At the same time, some 

institutions took actions (e.g., sales of loans or branches or reductions in loans outstanding) that 

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

lending over their baseline was negative.

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

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

initial investments in Q2 2011. Of the 28 participants that presently report negative changes in small 

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

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

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

investments in Q2 2011.
6

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 519 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 6,161

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 March 31, 2013 to their baseline levels, SBLF banks 

increased business lending by a median of 41.5 percent, versus a 5.5 percent median increase for the

peer group and a 1.9 percent median increase for the comparison group. In addition to increasing 

business lending, SBLF banks increased other types of lending by a median of 24.2 percent over baseline 

levels, versus a median increase of 0.9 percent among the peer group and 4.6 percent decrease among 

the comparison group.

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

and the comparison group.

Changes in Business Lending and Other Lending

(Reported as of March 31, 2013)

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, 86 percent of banks participating in SBLF have 
7

increased their business lending by 10 percent or more versus 46 percent for the peer group and 40

percent for the comparison group. Forty percent of the peer group and 47 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 March 31, 2013)

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

measured by the proportion of institutions reporting increases, as well as the percentage increases 

reported. SBLF banks increased business lending by a mean of 64 percent with a standard deviation of 

66 percentage points.

8

 The peer group of non-SBLF banks increased business lending by a mean of 23

percent with a standard deviation of 52 percentage points while the comparison group increased 

business lending by a mean of 10 percent with a standard deviation of 40 percentage points. 

 8 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. 
8

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.9

Changes in Business Lending by Regional Geography

(Reported as of March 31, 2013)

Changes in Business Lending by Institution Size

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

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

10 

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

comparison groups across four categories of institution size.

 9 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. 10 In this report, institution size (including the size ranges in this graph and the segmentation of institutions) is based on the 

total assets reported by banks as of March 31, 2011, the quarter immediately prior to Treasury’s first SBLF investment.
9

Changes in Business Lending by Institution Size

(Reported as of March 31, 2013)

Changes in Business Lending by Loan Category

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

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

increases or 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 March 31, 2013)
10

Changes in Business Lending by Financial Condition

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

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

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

SBLF banks and the peer and comparison groups across four categories of Texas ratios.

Changes in Business Lending by Financial Condition

(Reported as of March 31, 2013)

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

nonperforming assets plus loans 90 days or more past due all divided by the institution’s tangible equity plus loan loss reserves.
11

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 126 institutions that 

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

Small Business Lending Increases by Former CPP Participants

In total, institutions that received CPP funding and refinanced these investments reported a $3.6 billion 

increase in small business lending over baseline levels, with a median increase of 20.0 percent. By 

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

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

To date, 85 percent of institutions that refinanced CPP investments have increased their small business 

lending over baseline levels and 71 percent have increased their small business lending by 10 percent or 

more. Of the 19 institutions (15 percent) that report decreases in small business lending over baseline 

levels, five have increased lending by $52.1 million since receiving SBLF funding but report an aggregate 

decrease in small business lending of $98.0 million because of decreases in lending that occurred in the 

period between the baseline and Treasury’s investment.

Changes in Business Lending by Former CPP Participants

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

median increase in business lending following receipt of the initial CPP investments. These institutions 

also reported a median increase from the SBLF baseline period. 

SBLF banks that refinanced CPP funding reported a median increase in business lending of 37.8 percent

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

business lending has increased by a median of 24.4 percent since the baseline period. The peer group of 

non-SBLF banks reported a median increase in business lending of 13.5 percent since the reporting date 

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

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

lending by a median of 5.5 percent and the comparison group has increased business lending by 1.9

percent, as previously noted. Increases in business lending following the CPP investment prior to the 

baseline period would generally have the effect of increasing the reported baseline, thereby reducing 

the percentage increase in business lending reported since the baseline period.
12

Changes in Business Lending by Former CPP Participants12

(Reported as of March 31, 2013)

Dividend Rates Payable by Institutions that Refinanced CPP Investments

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

by SBLF only if they increase their small business lending over baseline levels. As of March 31, 2013, 

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 1.3 percent.13

APPENDICES

A. Report Methodology 

B. Changes in Lending Since Initial SBLF Investments

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

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

 12 For the 126 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 March 31, 2013. Because the median CPP 

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

and comparison groups is measured from March 31, 2009 to March 31, 2013 for this calculation. This calculation excludes two 

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

13 These figures are adjusted to account for differences in the rates paid by subchapter S corporations and mutual institutions.
13

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 March 31, 2013, relative to baseline levels. For each 

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

change, as noted, in lending between March 31, 2013 and the baseline period, unless otherwise 

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

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

Measurement of Small Business Lending

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

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

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

section of this report. 

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

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

• Commercial and industrial loans

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

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

• Loans secured by farmland (“farmland”)

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

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

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

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

outstanding as of March 31, 2013 and the baseline amount. Participants report their baseline and 

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

recent supplemental report includes lending information as of March 31, 2013. 

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

are identified. Treasury publishes this updated information with each Use of Funds report, including 

restatements of prior period institution-specific information in the report appendices (available in 

Microsoft Excel format). These resubmissions may yield minor differences in quarterly reporting among 

Use of Funds reports, with the current period Use of Funds report including the most recent available 

data for the current period as well as all prior periods. Because the most recent information available 

for all periods is included in each Use of Funds report, Treasury does not generally revise prior period 

Use of Funds reports to reflect these submissions. 

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

Appendix C. 
14

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 519 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 6,161 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. 

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

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

$10 million and loans to businesses with more than $50 million in revenue, and without the additional 

adjustments used in SBLF’s calculation of small business lending. Because the banks in the non-SBLF 

bank groups are not program participants and do not report small business lending as defined by the 

program terms, this analysis uses business lending as proxy for small business lending activities. Most 

business lending reported by SBLF banks qualifies as small business lending. For example, as of March 

31, 2013, small business lending totaled 95.0 percent of business lending by dollar value for the median 

SBLF bank.

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

outstanding as of March 31, 2013 and the baseline amount. The baseline is calculated as the average of 

the business loans outstanding that the institution reported for each of the four calendar quarters 

ended June 30, 2010. Changes in other lending are calculated based on the institution’s total loans and 

leases, including loans held for sale, less the amount of business loans outstanding.

For 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 March 31, 2013. This section also includes a calculation of the median increase in 

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

median CPP participant received its initial CPP investment) to March 31, 2013.

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

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

used by banks. Call Reports segment nonfarm, nonresidential real estate loans into separate 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
15

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 D. 

Calculation of Median Changes in Lending

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

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

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

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

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

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

the median calculation.

Selection of Non-SBLF Bank Comparison Group and Peer Group

In describing changes in business lending, this report compares the group of 267 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 6,161 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 March 31, 2013, a total of 256 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 519 non-SBLF insured depository institutions that 

share certain size, geographic, and financial characteristics with the group of SBLF bank 

participants.

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

institutions selected were generally the two banks with the closest Texas ratios that were located 

within the same state and asset size category as the SBLF participant as of March 31, 2011 (the 

quarter immediately prior to Treasury’s first SBLF investment). The five categories of asset size in 

this analysis are (i) $7 to $99 million, (ii) $100 to $249 million, (iii) $250 to $499 million, (iv) $500 

to $999 million, and (v) $1.0 to $6.4 billion. The Texas ratio is used as a proxy for the financial 

condition of the institution, and is defined as the institution’s nonperforming assets plus loans 90

days or more past due all divided by the institution’s tangible equity plus loan loss reserves. 
16

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 March 31, 2013, a total of 24 institutions have been removed from the peer group 

as a result of SBLF participants exiting the program and 19 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 267 519 6161

Increase in business lending (median) 41.5% 5.5% 1.9%

Increase in other lending (median) 24.2% 0.9% -4.6%

Assets ($000s)

Median $308,873 $291,966 $144,874

Mean $581,181 $509,411 $309,140

Texas Ratio

Median 14.8% 15.7% 17.3%

Mean 17.6% 19.5% 30.5%

Region (% of participants)

Midwest 28.1% 28.3% 45.1%

Northeast 18.7% 19.1% 9.5%

South 38.6% 38.2% 37.0%

West 14.6% 14.5% 8.4%

Summary of the Characteristics of SBLF Banks, the Peer Group, and the Comparison Group
17

APPENDIX B: CHANGES IN LENDING SINCE INITIAL SBLF INVESTMENTS

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

participants since the initial SBLF investments.

14 Additionally, it shows quarter-over-quarter changes in 

the number of participants reporting lending in the five ranges of small business loan growth that 

correspond to various dividend or interest rates payable on SBLF securities. Please see Appendix C for 

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

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

30, 2011 and March 31, 2013. This information was updated on August 2, 2013 to account for lending increases resulting from 

an acquisition of, or merger with, another institution, and/or purchases of such loans.

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

Increase in Small Business Lending ($ in Billions) $0.7 $2.0 $2.4 $3.9 $4.7 $6.0 $6.1

Change in Small Business Lending (# of Participants)

Under 2.5% or Reduced 183 124 117 75 67 49 52

2.5 to 4.9% Increase 48 37 32 20 24 18 19

5.0 to 7.4% Increase 40 38 27 33 23 17 18

7.5 to 9.9% Increase 13 21 16 26 19 13 19

10.0% or Greater Increase 48 112 140 177 193 223 209

Participant Changes in Qualified Small Business Lending Since Initial SBLF Investments (Q2 2011)
18

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

business lending since the initial SBLF investments. The information reported herein is based on Call 

Report data from March 2013 and the methodology described in Appendix A.

SBLF

Banks

Peer

Group

Comparison 

Group

Number of institutions 267 517 6153

Changes in Business and Other Lending

Increase in Business Lending (median) 22.5% 4.6% 1.0%

Increase in Other Lending (median) 16.4% 2.8% -1.0%

Increase in Business Lending (mean) 30.2% 10.2% 4.0%

Increase in Business Lending (standard dev.) 29.6% 26.5% 24.0%

Increase in Business Lending by 10% or more 72.7% 37.7% 32.2%

Reduction in Business Lending 10.5% 40.4% 48.4%

Distribution of Changes in Business Lending

10.0% or Greater Decrease 4.1% 20.7% 28.1%

0.1% to 9.9% Decrease 6.4% 19.7% 20.3%

0.0% to 9.9% Increase 16.9% 21.9% 19.4%

10.0% to 19.9% Increase 18.7% 12.4% 12.1%

20.0% to 39.9% Increase 26.2% 12.2% 10.8%

40.0% or Greater Increase 27.7% 13.2% 9.2%

Changes in Business Lending by Regional Geography

Midwest 15.1% 3.9% 1.7%

Northeast 25.2% 7.4% 4.0%

South 29.3% 3.4% -0.9%

West 20.6% 5.4% -0.1%

Changes in Business Lending by Institution Size

$7.0 to $249 Million 25.1% 3.9% 0.8%

$250 to $499 Million 27.4% 4.1% 0.5%

$500 to $999 Million 14.2% 7.6% 1.8%

$1.0 to $6.4 Billion 20.9% 2.7% 1.9%

Changes in Business Lending by Loan Category

Commercial & Industrial 21.9% 4.3% -0.1%

Owner-Occupied CRE 23.3% 2.6% -1.7%

Agricultural Production 4.5% -5.4% -5.1%

Farmland 10.6% 0.9% 3.8%

Changes in Business Lending by Texas Ratio

Less than 10% 30.8% 6.8% 5.3%

10.0% to 19.9% 21.1% 3.5% 3.7%

20.0% to 29.9% 18.0% 2.5% 1.1%

30.0% or Greater 18.3% 2.9% -6.4%

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since SBLF Investment 15.2% 4.6% 1.0%

Measurement of Lending by SBLF Banks, Peer Group, and Comparison Group Since Initial SBLF Investments (Q2 2011)
19

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

SBLF PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 3/31/2013 Quarterly Supplemental Reports transmitted with July 2013 Use of Funds Report

Name City State Baseline Level Current Level Increase (Decrea

over Baseline

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 283,258,000 41,468

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 45,729,000 6,658

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 654,406,000 1,272,694,000 618,288

Southern National Corporation Andalusia AL Bank 4,500,000 155,408,000 190,117,000 34,709

Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 53,588,000 73,065,000 19,477

First Service Bancshares, Inc. Greenbrier AR Bank 7,716,000 73,164,000 59,352,000 (13,812,Liberty Bancshares, Inc. Jonesboro AR Bank 52,500,000 619,989,000 626,239,000 6,250

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 93,577,000 37,369

Western Alliance Bancorporation Phoenix AZ Bank 141,000,000 1,556,719,000 1,778,101,000 221,382

1st Enterprise Bank Los Angeles CA Bank 16,400,000 88,154,000 249,243,000 161,089

Bank of Commerce Holdings Redding CA Bank 20,000,000 211,659,000 254,222,000 42,563

California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 157,538,000 83,973

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 54,812,000 38,354

Central Valley Community Bancorp Fresno CA Bank 7,000,000 235,351,000 193,497,000 (41,854,

Community Valley Bank El Centro CA Bank 2,400,000 13,645,000 30,960,000 17,315

First California Financial Group, Inc. Westlake Village CA Bank 25,000,000 313,952,000 327,594,000 13,642

First Northern Community Bancorp Dixon CA Bank 12,847,000 225,762,000 202,106,000 (23,656,

First PacTrust Bancorp, Inc. Irvine CA Bank 32,000,000 19,469,000 37,734,000 18,265

FNB Bancorp South San Francisco CA Bank 12,600,000 149,634,000 131,332,000 (18,302,

Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 53,477,000 18,078

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 105,140,000 23,147

Pacific Coast Bankers' Bancshares San Francisco CA Bank 11,960,000 42,624,000 28,876,000 (13,748,Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 58,975,000 4,246

ProAmérica Bank (Promérica Bank) Los Angeles CA Bank 3,750,000 43,274,000 53,948,000 10,674

Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 54,319,000 8,231Seacoast Commerce Bank Chula Vista CA Bank 4,000,000 45,347,000 77,680,000 32,333

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 210,659,000 45,678Silvergate Capital Corporation La Jolla CA Bank 12,427,000 9,115,000 12,889,000 3,774Summit State Bank Santa Rosa CA Bank 13,750,000 82,734,000 98,561,000 15,827

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 57,700,000 34,924

The Private Bank of California Los Angeles CA Bank 10,000,000 69,125,000 149,773,000 80,648

CIC Bancshares, Inc. Denver CO Bank 1,772,000 67,982,000 98,433,000 30,451

CoBiz Financial Inc. Denver CO Bank 57,366,000 740,718,000 839,557,000 98,839

Columbine Capital Corp. Buena Vista CO Bank 6,050,000 44,150,000 85,206,000 41,056

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 32,402,000 5,021

Steele Street Bank Corporation Denver CO Bank 11,350,000 65,842,000 110,362,000 44,520

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 78,826,000 12,826

BNC Financial Group, Inc. New Canaan CT Bank 10,980,000 28,259,000 138,033,000 109,774

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 77,732,000 109,161,000 31,429

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,532,000 52,054,000 17,522

Institution Qualified Small Business Lendin

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

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Community Bank Delaware Lewes DE Bank 4,500,000 30,078,000 35,480,000 5,402

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 97,171,000 31,597

Broward Financial Holdings, Inc. Fort Lauderdale FL Bank 3,134,000 14,233,000 53,006,000 38,773

CBOS Bankshares, Inc. Merritt Island FL Bank 3,893,000 46,283,000 34,680,000 (11,603,

Community Southern Bank Lakeland FL Bank 5,700,000 28,611,000 50,790,000 22,179

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 62,430,000 36,721

First Green Bancorp, Inc. (First Green Bank) Eustis FL Bank 4,727,000 30,339,000 80,859,000 50,520

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 98,486,000 138,184,000 39,698

Florida Community Bankshares, Inc. Ocala FL Bank 17,000,000 158,498,000 132,631,000 (25,867,

Florida Shores Bancorp, Inc. Pompano Beach FL Bank 12,750,000 88,898,000 133,973,000 45,075

Florida Traditions Bank Dade City FL Bank 8,800,000 61,282,000 115,549,000 54,267

Gulfstream Bancshares, Inc. Stuart FL Bank 7,500,000 283,018,000 246,510,000 (36,508,

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 16,141,000 3,843Jefferson Bank of Florida Oldsmar FL Bank 3,367,000 13,891,000 34,671,000 20,780

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 37,556,000 26,283

Ovation Holdings, Inc. Naples FL Bank 5,000,000 22,467,000 50,980,000 28,513

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 199,520,000 32,773

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 41,214,000 53,217,000 12,003

Resurgens Bancorp Atlanta GA Bank 2,967,000 18,065,000 28,626,000 10,561

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 8,683,000 2,740

Commercial Financial Corp Storm Lake IA Bank 18,000,000 225,585,000 255,391,000 29,806

Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 1,013,007,000 1,109,219,000 96,212

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,761,000 76,319,000 8,558

Two Rivers Financial Group, Inc. Burlington IA Bank 17,430,000 202,621,000 194,805,000 (7,816,

D. L. Evans Bancorp Burley ID Bank 22,391,000 350,577,000 331,113,000 (19,464,

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 16,860,000 1,948Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 52,195,000 76,358,000 24,163

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 89,896,000 10,987First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 145,175,000 177,626,000 32,451First Busey Corporation Champaign IL Bank 72,664,000 555,684,000 516,978,000 (38,706,

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 38,199,000 5,398

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 64,086,000 22,774First Robinson Financial Corporation Robinson IL Bank 4,900,000 36,324,000 48,093,000 11,769

Fisher Bancorp, Inc. Fisher IL Bank 500,000 15,062,000 17,479,000 2,417Heartland Bancorp, Inc. Bloomington IL Bank 25,000,000 582,726,000 587,021,000 4,295

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 88,906,000 28,718

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,311,000 74,372,000 17,061

People First Bancshares, Inc. Pana IL Bank 9,198,000 129,986,000 154,857,000 24,871

Prime Banc Corp. Dieterich IL Bank 10,000,000 98,113,000 115,795,000 17,682QCR Holdings, Inc. Moline IL Bank 29,867,000 462,004,000 395,827,000 (66,177,

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 222,429,000 98,599Southern Illinois Bancorp, Inc. Carmi IL Bank 9,000,000 92,925,000 133,919,000 40,994Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 120,352,000 29,203

Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 146,082,000 191,651,000 45,569

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 260,066,000 278,752,000 18,686

AMB Financial Corp. Munster IN Bank 3,858,000 21,983,000 20,930,000 (1,053,
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 180,982,000 193,053,000 12,071

First Merchants Corporation Muncie IN Bank 68,087,000 1,352,818,000 1,069,558,000 (283,260,

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 58,329,000 90,090,000 31,761

Horizon Bancorp Michigan City IN Bank 12,500,000 190,807,000 206,405,000 15,598

MutualFirst Financial, Inc. Muncie IN Bank 28,923,000 182,945,000 167,313,000 (15,632,

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 24,306,000 1,263

Brotherhood Bancshares, Inc. Kansas City KS Bank 16,000,000 55,235,000 42,583,000 (12,652,

CB Bancshares Corp. Weir KS Bank 190,000 1,222,000 1,647,000 425Equity Bancshares, Inc. Wichita KS Bank 16,372,000 282,886,000 328,399,000 45,513Farmers State Bankshares, Inc. Holton KS Bank 700,000 12,762,000 11,440,000 (1,322,

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 31,191,000 44,499,000 13,308

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 23,628,000 9,413UBT Bancshares, Inc. Marysville KS Bank 16,500,000 154,451,000 203,632,000 49,181

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 71,307,000 (7,342,

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 33,495,000 2,864Community Trust Financial Corporation Ruston LA Bank 48,260,000 359,389,000 460,014,000 100,625

First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 180,281,000 216,957,000 36,676

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 370,388,000 474,189,000 103,801

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 397,957,000 410,886,000 12,929

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 142,355,000 196,904,000 54,549

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,482,000 131,428,000 26,946

Hyde Park Bancorp, Inc. Hyde Park MA Bank 18,724,000 4,944,000 15,887,000 10,943

Island Bancorp, Inc. Edgartown MA Bank 4,000,000 23,581,000 35,767,000 12,186

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 60,347,000 29,949New England Bancorp, Inc. Hyannis MA Bank 4,000,000 41,202,000 59,207,000 18,005

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 128,860,000 44,558

Rockport National Bancorp, Inc. Rockport MA Bank 3,000,000 37,136,000 44,427,000 7,291

StonehamBank, A Co‐operative Bank Stoneham MA Bank 13,813,000 46,880,000 94,779,000 47,899

Eagle Bancorp, Inc. Bethesda MD Bank 56,600,000 413,330,000 656,870,000 243,540

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 120,455,000 153,872,000 33,417Monument Bank Bethesda MD Bank 11,355,000 34,983,000 52,140,000 17,157

Tri‐County Financial Corporation Waldorf MD Bank 20,000,000 244,812,000 285,441,000 40,629

Katahdin Bankshares Corp. Houlton ME Bank 11,000,000 138,863,000 167,987,000 29,124

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 51,891,000 18,098

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 375,121,000 176,922

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 31,443,000 9,973Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 94,054,000 153,805,000 59,751

Valley Financial Group, Ltd. Saginaw MI Bank 2,000,000 73,968,000 86,348,000 12,380

Financial Services of Winger, Inc. Fosston MN Bank 4,069,000 60,984,000 79,267,000 18,283

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 161,560,000 12,258

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 22,526,000 29,996,000 7,470

McLeod Bancshares, Inc. Shorewood MN Bank 6,000,000 64,344,000 48,933,000 (15,411,

MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 72,206,000 81,476,000 9,270Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 45,123,000 50,995,000 5,872

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 53,010,000 72,509,000 19,499

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 74,484,000 11,894
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 43,968,000 (2,950,

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 201,374,000 289,198,000 87,824

Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 81,757,000 100,584,000 18,827

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 177,012,000 199,597,000 22,585

Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 188,556,000 210,609,000 22,053

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,501,000 52,226,000 21,725

BankFirst Capital Corporation Macon MS Bank 15,000,000 176,916,000 185,416,000 8,500

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS Bank 32,914,000 633,113,000 777,708,000 144,595

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 6,952,000 3,620

First Bancorp Troy NC Bank 63,500,000 496,528,000 571,398,000 74,870

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 151,006,000 97,327

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC Bank 20,500,000 353,772,000 373,121,000 19,349

Premara Financial, Inc. Charlotte NC Bank 6,238,000 51,112,000 59,741,000 8,629

Providence Bank Rocky Mount NC Bank 4,250,000 30,302,000 37,687,000 7,385Select Bancorp, Inc. Greenville NC Bank 7,645,000 30,424,000 55,693,000 25,269

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,662,000 48,894,000 10,232

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 280,617,000 408,007,000 127,390

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 147,079,000 226,202,000 79,123

Adbanc Inc. Ogallala NE Bank 21,905,000 250,743,000 279,987,000 29,244

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 62,426,000 12,108First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 137,848,000 162,078,000 24,230

The State Bank of Bartley Bartley NE Bank 2,380,000 27,944,000 36,967,000 9,023

Centrix Bank & Trust Bedford NH Bank 24,500,000 234,642,000 329,823,000 95,181

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 76,201,000 14,225

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 89,630,000 14,309

New Hampshire Thrift Bancshares, Inc. Newport NH Bank 23,000,000 145,102,000 185,974,000 40,872

Northway Financial, Inc. Berlin NH Bank 23,593,000 109,533,000 135,913,000 26,380

Center Bancorp, Inc. Union NJ Bank 11,250,000 230,584,000 262,186,000 31,602

Community Partners Bancorp Middletown NJ Bank 12,000,000 175,160,000 198,047,000 22,887Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 27,355,000 4,079

Freedom Bank Oradell NJ Bank 4,000,000 32,445,000 52,765,000 20,320

Harmony Bank Jackson NJ Bank 3,500,000 15,897,000 42,309,000 26,412

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 65,106,000 31,207Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 122,466,000 30,132

Regal Bank Livingston NJ Bank 7,000,000 25,872,000 43,689,000 17,817

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 214,960,000 7,035

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 120,266,000 72,594

Alma Bank Astoria NY Bank 19,000,000 91,798,000 288,720,000 196,922Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 100,757,000 136,172,000 35,415

Elmira Savings Bank (The Elmira Savings Bank, FSB) Elmira NY Bank 14,063,000 94,555,000 88,675,000 (5,880,

Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 101,795,000 42,973

Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 43,624,000 59,163,000 15,539

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 71,056,000 89,326,000 18,270

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 19,513,000 38,627,000 19,114

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 50,950,000 14,321Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 18,860,000 6,840
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Insight Bank Columbus OH Bank 4,250,000 16,410,000 32,511,000 16,101

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 44,010,000 10,838

Central Service Corporation Enid OK Bank 7,000,000 148,102,000 195,661,000 47,559

F & M Bancorporation, Inc. Tulsa OK Bank 38,222,000 290,250,000 635,509,000 345,259

Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 45,428,000 24,468

Regent Capital Corporation Nowata OK Bank 3,350,000 52,719,000 71,134,000 18,415

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 153,763,000 37,079

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 97,231,000 32,512Centric Financial Corporation Harrisburg PA Bank 7,492,000 50,832,000 84,231,000 33,399

Codorus Valley Bancorp, Inc. York PA Bank 25,000,000 168,440,000 217,497,000 49,057

DNB Financial Corporation Downingtown PA Bank 13,000,000 121,180,000 140,895,000 19,715Emclaire Financial Corp. Emlenton PA Bank 10,000,000 56,761,000 57,169,000 408

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 87,306,000 90,045,000 2,739

First Resource Bank Exton PA Bank 5,083,000 33,001,000 40,766,000 7,765

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Bank 6,955,000 26,190,000 33,743,000 7,553

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 59,475,000 18,655MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 93,102,000 46,324

Monument Bank Doylestown PA Bank 2,970,000 19,715,000 51,938,000 32,223

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 134,752,000 165,008,000 30,256

Phoenix Bancorp, Inc. Minersville PA Bank 3,500,000 28,019,000 40,405,000 12,386

Team Capital Bank Bethlehem PA Bank 22,412,000 123,413,000 174,043,000 50,630

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 26,588,000 53,035,000 26,447

Valley Green Bank Philadelphia PA Bank 5,000,000 27,493,000 70,465,000 42,972

York Traditions Bank York PA Bank 5,115,000 78,487,000 94,065,000 15,578

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 65,737,000 91,824,000 26,087

GrandSouth Bancorporation Greenville SC Bank 15,422,000 92,718,000 112,087,000 19,369

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 74,529,000 17,950

BHCB Holding Company Rapid City SD Bank 2,000,000 33,830,000 56,580,000 22,750Avenue Financial Holdings, Inc. Nashville TN Bank 18,950,000 74,788,000 134,884,000 60,096CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 237,645,000 103,096

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 72,031,000 10,714Community First Bancshares, Inc. Union City TN Bank 30,852,000 302,286,000 279,473,000 (22,813,Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 50,654,000 31,553

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 18,547,000 35,141,000 16,594

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 72,048,000 27,346

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 47,736,000 20,224

Landmark Community Bank Collierville TN Bank 8,000,000 29,258,000 57,532,000 28,274

Magna Bank Memphis TN Bank 18,350,000 51,767,000 76,341,000 24,574

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 2,000,000 19,097,000 22,139,000 3,042

Moneytree Corporation Lenoir City TN Bank 9,992,000 69,543,000 79,615,000 10,072

Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 150,609,000 174,712,000 24,103

Sequatchie Valley Bancshares, Inc. Dunlap TN Bank 5,000,000 43,802,000 21,654,000 (22,148,

SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 37,008,000 70,993,000 33,985

Southern Heritage Bancshares, Inc. Cleveland TN Bank 5,105,000 58,099,000 72,676,000 14,577Sumner Bank & Trust GALLATIN TN Bank 4,264,000 27,039,000 29,082,000 2,043

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 75,067,000 150,806,000 75,739
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 9,770,000 1,749

BOH Holdings, Inc. Houston TX Bank 23,938,350 200,835,000 283,923,000 83,088

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 91,344,000 52,009

First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 241,400,000 103,548

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 64,697,000 130,012,000 65,315

FVNB Corp. Victoria TX Bank 18,000,000 668,934,000 732,787,000 63,853

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 436,374,000 530,758,000 94,384

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Bank 114,068,000 1,012,971,000 1,071,481,000 58,510Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 49,775,000 9,053Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 37,576,000 20,920McLaughlin Bancshares, Inc. Ralls TX Bank 6,600,000 47,152,000 62,660,000 15,508

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 26,496,000 58,748,000 32,252Southwestern Bancorp, Inc. Boerne TX Bank 1,500,000 22,454,000 24,997,000 2,543

Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 190,741,000 7,478

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 49,753,000 18,611

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 472,019,000 69,325Third Coast Bank SSB Humble TX Bank 8,673,000 57,861,000 138,888,000 81,027

Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 208,163,000 107,244

Cache Valley Banking Company Logan UT Bank 11,670,000 151,344,000 182,362,000 31,018

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 2,740,000 2,726

Medallion Bank Salt Lake City UT Bank 26,303,000 229,336,000 403,251,000 173,915

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 20,108,000 21,558,000 1,450

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 44,180,000 5,660

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 79,102,000 10,135

TowneBank Portsmouth VA Bank 76,458,000 814,570,000 992,906,000 178,336

United Financial Banking Companies, Inc. Vienna VA Bank 3,000,000 76,307,000 91,162,000 14,855

Virginia Heritage Bank Fairfax VA Bank 15,300,000 85,644,000 142,698,000 57,054

WashingtonFirst Bankshares, Inc. Reston VA Bank 17,796,000 199,484,000 254,826,000 55,342

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 82,147,000 197,419,000 115,272

Puget Sound Bank Bellevue WA Bank 9,886,000 85,895,000 112,598,000 26,703

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 54,697,000 14,813W.T.B. Financial Corporation Spokane WA Bank 44,571,000 878,103,000 931,220,000 53,117

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 440,482,000 60,927

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 20,670,000 22,458,000 1,788

First American Investment, Inc. Hudson WI Bank 1,705,710 20,338,000 26,202,000 5,864First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 64,278,000 76,357,000 12,079

Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 240,359,000 242,658,000 2,299

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 157,548,000 19,101

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 25,844,000 27,398,000 1,554

Sword Financial Corporation Horicon WI Bank 17,000,000 192,968,000 239,126,000 46,158First Bank of Charleston Charleston WV Bank 3,345,000 24,923,000 27,953,000 3,030MVB Financial Corp. Fairmont WV Bank 8,500,000 53,681,000 112,628,000 58,947Financial Security Corporation Basin WY Bank 5,000,000 67,715,000 82,979,000 15,264

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 9,242,000 (303,

Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 48,881,000 22,286

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 4,328,000 1,855
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 12,535,000 6,600

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 9,758,000 3,654

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 9,581,000 26,127,000 16,546

Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 8,795,000 3,074

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 1,105,000 347

Building Hope... A Charter School Facilities Fund Washington DC CDLF 2,091,000 23,190,000 34,975,000 11,785

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 6,415,000 1,527

Access to Capital for Entrepreneurs, Inc. (Appalachian Community EnterpCleveland GA CDLF 188,000 2,773,000 7,000,000 4,227

IFF Chicago IL CDLF 8,294,000 108,261,000 132,706,000 24,445

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 6,200,000 2,749Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 7,086,000 2,949

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 13,073,000 1,695

Capital Link, Inc. Boston MA CDLF 198,000 1,420,000 5,930,000 4,510Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc. Holyoke MA CDLF 200,000 3,526,000 3,586,000 60

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 11,766,000 2,917

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 21,730,000 4,090

Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 32,924,000 (10,731,Midwest Minnesota Community Development Corporation Detroit Lakes MN CDLF 4,600,000 29,638,000 37,096,000 7,458

Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 8,978,000 1,999

Montana Community Development Corporation Missoula MT CDLF 585,000 8,377,000 14,232,000 5,855Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 2,938,000 1,147

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 3,758,000 2,304La Fuerza Unida Community Development Corporation East Norwich NY CDLF 42,000 86,000 480,000 394

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 2,316,000 98

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 26,298,000 (6,982,

Seedco Financial Services, Inc. New York NY CDLF 2,500,000 33,651,000 40,601,000 6,950

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 6,597,000 3,869

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 10,528,000 4,023

Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 18,758,000 84

Community First Fund Lancaster PA CDLF 862,000 11,002,000 11,676,000 674Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 2,999,000 809

The Progress Fund Greensburg PA CDLF 1,052,000 12,882,000 20,150,000 7,268

The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 115,707,000 2,439

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,250,000 1,451

Lowcountry Housing Trust, Incorporated North Charleston SC CDLF 392,000 96,000 572,000 476Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 12,551,000 793

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 10,627,000 (489,

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 5,052,000 2,566

CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 6,554,000 5,868,000 (686,

PeopleFund Austin TX CDLF 500,000 6,412,000 7,705,000 1,293

ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 2,445,000 1,043

NCB Capital Impact Arlington VA CDLF 8,218,000 95,578,000 122,925,000 27,347

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,180,000 3,393

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 40,253,000 16,145

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 4,697,000 733

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 21,458,000 8,114
Name City State Baseline Level Current Level Increase (Decrea

over Baseline

Institution Qualified Small Business Lendin

Bank or CDLF? SBLF Funding Outstanding

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 7,842,000 3,280
20

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

BANKS
Community Banks Participating in SBLF

Report on Information from 03/31/2013 Call Reports transmitted with July 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 1,088,103 126,083 110,777 6,105 15,249 258,213 157,365 141,368 

First Partners Bank (SouthCity Bank) Vestavia Hills AL South 166,521 34,442                  ‐ 6,394                      ‐ 40,837 37,130                  

7,764                

ServisFirst Bancshares, Inc. Birmingham AL South 2,861,709 440,705 209,801 25,580 22,243 698,328 1,057,345 583,956 3

Southern National Corporation Andalusia AL South 419,695 42,858 46,952 5,776 59,822 155,408 41,743 51,082 1

Southern States Bancshares, Inc. Anniston AL South 307,676 18,236                ‐ 18,732 943 37,910 39,246 43,812 

First Service Bancshares, Inc. Greenbrier AR South 218,438 20,458 31,269 6,055 16,417 74,199 11,053 23,826 

Liberty Bancshares, Inc. Jonesboro AR South 2,849,722 258,145 402,154 36,465 59,998 756,761 258,924 445,105 2

Rock Bancshares, Inc. Little Rock AR South 194,361 49,812                  ‐ 7,116 1,804 58,732 88,577                  

3,511 

Western Alliance Bancorporation Phoenix AZ West 7,972,735 550,987 1,063,943 186 4,343 1,619,459 1,150,917 1,411,612 

1st Enterprise Bank Los Angeles CA West 701,784 52,170                ‐ 35,416                      ‐ 87,586 155,196              

100,970                

Bank of Commerce Holdings Redding CA West 974,070 133,779 72,044 1,173 7,805 214,800 183,716 75,969 

California Bank of Commerce Lafayette CA West 348,124 60,775 13,291 390 1,632 76,087 119,214 37,264 

Capital Bank San Juan Capistrano CA West 148,644 13,838 11,346 98 295 25,575 12,684                

42,219 

Central Valley Community Bancorp Fresno CA West 885,589 82,216 110,907 18,420 41,356 252,898 70,463 104,023 2

Community Valley Bank El Centro CA West 107,315 11,352                  ‐ 2,293                      ‐ 13,645 9,965 20,090 

First California Financial Group, Inc. Westlake Village CA West 1,741,192 227,247 127,145 51 855 355,297 159,586              

179,141 

First Northern Community Bancorp Dixon CA West 852,552 88,431 116,575 30,680 22,480 258,166 82,917 90,674 1

First PacTrust Bancorp, Inc. Irvine CA West 2,048,677 553                  ‐ 8,525                      ‐ 9,077 102,621                

92,653 

FNB Bancorp South San Francisco CA West 894,101 67,974 69,468 0 5,118 142,560 50,557                

75,266 

Founders Bancorp San Luis Obispo CA West 146,101 24,400                ‐ 11,516 2,218 38,133 23,212                

31,708 

GBC Holdings, Inc. Los Angeles CA West 456,651 48,872                ‐ 64,652 468 113,992 82,308 96,455                

Pacific Coast Bankers' Bancshares San Francisco CA West 618,977 10,701                ‐ 35,168                      ‐ 45,869 17,794                

22,187                

Partners Bank of California Mission Viejo CA West 126,148 40,849                ‐ 13,880                      ‐ 54,729 41,002                

16,492                

ProAmérica Bank (Promérica Bank) Los Angeles CA West 156,890 18,665                ‐ 28,650                      ‐ 47,315 13,197                

46,399                

Redwood Capital Bancorp Eureka CA West 244,319 16,119 28,172 120 2,899 47,311 11,714                

42,347 

Seacoast Commerce Bank Chula Vista CA West 224,704 12,916                ‐ 42,691 456 56,063 3,111              

162,793 

Security California Bancorp Riverside CA West 488,447 112,334                ‐ 67,475                      ‐ 179,809 125,480                

92,115 

Silvergate Capital Corporation La Jolla CA West 638,517 3,408                  ‐ 6,233                      ‐ 9,641 2,985                

10,175                

Summit State Bank Santa Rosa CA West 438,266 40,612 33,151 2,405 24,934 101,101 35,773 43,988 The Bank of Santa Barbara Santa Barbara CA West 140,650 11,319                  ‐ 9,943 1,514 22,776 39,652                

21,535                

The Private Bank of California Los Angeles CA West 674,321 70,098                ‐ 16,855                      ‐ 86,953 133,810                

44,683                

CIC Bancshares, Inc. Denver CO West 408,872 1,433                        ‐ 21                      ‐ 1,454 58,048                

53,158 

CoBiz Financial Inc. Denver CO West 2,582,502 464,781 390,528 5,703 2,295 863,306 557,981 421,293 

Columbine Capital Corp. Buena Vista CO West 269,255 22,300 16,986 221 893 40,399 40,996 45,279 

Morgan Capital Corporation Fort Morgan CO West 144,385 13,330 6,289 4,169 3,950 27,738 18,030 6,497 

Steele Street Bank Corporation Denver CO West 477,132 34,832                ‐ 32,612                      ‐ 67,443 49,550                

62,876                

Verus Acquisition Group, Inc. Fort Collins CO West 258,007 14,365 45,134 88 7,204 66,792 22,755                

57,356 

BNC Financial Group, Inc. New Canaan CT Northeast 628,962 3,378                ‐ 24,882                      ‐ 28,259 56,829                

81,204                

Salisbury Bancorp, Inc. Lakeville CT Northeast 597,341 23,290 49,853 402 5,666 79,211 32,719 75,756 

SBT Bancorp, Inc. Simsbury CT Northeast 395,496 14,128                ‐ 21,168                      ‐ 35,295 14,971                

37,985                

Community Bank Delaware Lewes DE South 145,177 6,962 20,018 574 1,175 28,729 4,881 31,128 

Bank of Central Florida Lakeland FL South 311,862 29,147                ‐ 27,541                      ‐ 56,688 49,297                

48,112                

Broward Financial Holdings, Inc. Fort Lauderdale FL South 145,214                ‐ 14,234                      ‐                      ‐ 14,234 19,861                

33,145                

CBOS Bankshares, Inc. Merritt Island FL South 132,860 5,742                ‐ 40,542                      ‐ 46,283 5,092                

29,659                

Community Southern Bank Lakeland FL South 211,708 13,773 15,059 813 115 29,759 28,738 23,850 

FineMark Holdings, Inc. Fort Myers FL South 579,819 12,141 15,375                     ‐ 112 27,628 35,328                

26,740                

First Green Bancorp, Inc. (First Green Bank) Eustis FL South 226,472 6,491                ‐ 23,716 133 30,339 14,123                

66,536 

Florida Business BancGroup, Inc. Tampa FL South 533,581 41,885                ‐ 46,924                      ‐ 88,809 42,794              

101,756 

Institution

Region Total Assets 

Q1 2013

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 

Q1 2013

Baseline Business

Lending

Baseline Lending

Florida Community Bankshares, Inc. Ocala FL South 584,936 29,777 56,970 8,266 68,740 163,752 18,105 41,374 

Florida Shores Bancorp, Inc. Pompano Beach FL South 564,241 35,523                ‐ 38,461                      ‐ 73,983 38,583                

92,402 

Florida Traditions Bank Dade City FL South 280,580 30,449 24,910 299 5,624 61,282 46,383 54,123 

Gulfstream Bancshares, Inc. Stuart FL South 545,111 123,553              ‐ 159,465                      ‐ 283,018 100,479              

139,433                

HomeBancorp, Inc. Tampa FL South 526,791 3,043                ‐ 10,343                      ‐ 13,385 2,637                

15,092                

Jefferson Bank of Florida Oldsmar FL South 184,154 9,021                  ‐ 4,870                      ‐ 13,891 16,602                

16,131                

Marquis Bank Coral Gables FL South 170,163 1,427                  ‐ 9,846                      ‐ 11,273 16,191                

22,560                

Ovation Holdings, Inc. Naples FL South 326,751 1,684                  ‐ 8,013                      ‐ 9,698 8,388                

43,450 

Platinum Bank Holding Co. (Platinum Bank) Brandon FL South 429,518 57,110 95,349 222 10,816 163,496 83,896 104,380 

Lowndes Bancshares, Inc. Valdosta GA South 221,825 10,135                ‐ 38,874                      ‐ 49,009 13,523 34,616 Resurgens Bancorp Atlanta GA South 86,886 8,251                  ‐ 4,870 1,965 15,086 14,766                

12,506 

The Peoples Bank of Talbotton Talbotton GA South 38,363 647                  ‐ 3,191 2,106 5,943 1,397 2,931 

Commercial Financial Corp Storm Lake IA Midwest 489,126 128,275 39,538 38,076 22,656 228,545 122,168 48,679 6

Heartland Financial USA, Inc. Dubuque IA Midwest 4,920,065 453,188 485,865 80,290 194,060 1,213,402 694,797 531,978 13

Liberty Financial Services, Inc. Sioux City IA Midwest 272,855 36,186 17,912 4,466 5,574 64,138 37,738 25,000 

Two Rivers Financial Group, Inc. Burlington IA Midwest 636,989 114,756 65,269 13,984 20,410 214,418 117,248 54,766 1

D. L. Evans Bancorp Burley ID West 968,696 69,464 158,111 107,881 60,654 396,108 82,545 150,003 7

Bancorp Financial, Inc. Oak Brook IL Midwest 462,265 5,790                  ‐ 9,122                      ‐ 14,912 9,442                  

7,293                

Community First Bancorp, Inc. Fairview Heights IL Midwest 203,844 23,850                ‐ 23,424 7,233 54,507 40,536                

35,249 

Community Illinois Corporation Rock Falls IL Midwest 261,404 29,250 10,821 16,703 22,134 78,909 28,237 20,976 1

First Bankers Trustshares, Inc. Quincy IL Midwest 789,298 34,554 53,147 20,504 20,851 129,056 56,340 81,948 2

First Busey Corporation Champaign IL Midwest 3,584,900 313,814 356,714 38,356 57,626 766,509 290,300 297,104 2

First Community Financial Corporation Elgin IL Midwest 172,875 6,337                ‐ 26,075 582 32,993 8,928                

29,327 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 291,909                  ‐ 7,789 7,887 25,857 41,533 17,233 14,689 

First Robinson Financial Corporation Robinson IL Midwest 230,432 14,280 7,658 3,957 8,804 34,699 13,300 21,159 

Fisher Bancorp, Inc. Fisher IL Midwest 97,481 4,244 6,329 2,457 2,741 15,770 3,361 6,722 

Heartland Bancorp, Inc. Bloomington IL Midwest 2,945,283 189,580 219,980 36,243 38,855 484,658 235,081 355,030 4

Illinois State Bancorp, Inc. Chicago IL Midwest 383,929 21,057                ‐ 38,971 160 60,188 19,140                

62,353 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 172,192 35,038                ‐ 20,722                      ‐ 55,760 57,373                

18,994                

People First Bancshares, Inc. Pana IL Midwest 378,734 48,975 9,408 48,716 13,254 120,352 72,526 25,382 6

Prime Banc Corp. Dieterich IL Midwest 533,964 21,310 6,268 9,480 22,344 59,401 28,504 55,089 

QCR Holdings, Inc. Moline IL Midwest 2,154,909 331,888 157,873 59 4,915 494,735 307,740 196,146 

Signature Bancorporation, Inc. Chicago IL Midwest 405,283 88,196                ‐ 37,019                      ‐ 125,214 175,724                

54,828                

Southern Illinois Bancorp, Inc. Carmi IL Midwest 395,964 37,465 17,420 18,888 21,392 95,164 52,431 43,827 1

Town and Country Financial Corporation Springfield IL Midwest 465,694 34,830 59,359 6,536 5,550 106,274 33,688 93,515 

Tri‐County Financial Group, Inc. Mendota IL Midwest 895,753 23,912 24,883 30,134 35,679 114,608 49,170 48,908 3

United Community Bancorp, Inc. Chatham IL Midwest 1,280,899 98,783 95,660 47,661 74,408 316,511 129,304 93,705 6

AMB Financial Corp. Munster IN Midwest 180,129 7,638                ‐ 14,191                      ‐ 21,829 7,230                

13,196                

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 806,661 87,840 88,791 690 4,709 182,030 93,091 95,928 

First Merchants Corporation Muncie IN Midwest 4,238,609 673,225 515,331 115,882 147,472 1,451,909 637,952 434,587 10

First Savings Financial Group, Inc. Clarksville IN Midwest 651,634 26,351                ‐ 39,403                      ‐ 65,754 27,368 56,432 

Horizon Bancorp Michigan City IN Midwest 1,734,106 63,712 84,200 3,279 7,424 158,615 82,157 128,814 

MutualFirst Financial, Inc. Muncie IN Midwest 1,413,352 71,501              ‐ 108,819                      ‐ 180,319 62,298 96,368 

Bern Bancshares, Inc. Bern KS Midwest 81,954 4,671 46 14,941 3,145 22,803 3,704 539 1

Brotherhood Bancshares, Inc. Kansas City KS Midwest 575,735 42,681                ‐ 28,067 3,673 74,420 21,985                

19,321 

CB Bancshares Corp. Weir KS Midwest 11,952                     ‐ 819 263 299 1,382                     ‐ 354 

Equity Bancshares, Inc. Wichita KS Midwest 1,192,396 72,242 44,546 7,028 5,075 128,891 144,234 147,892 1Farmers State Bankshares, Inc. Holton KS Midwest 56,558 4,518 20 3,835 4,697 13,070 1,970 1,797 

Freedom Bancshares, Inc. Overland Park KS Midwest 152,612 17,081                ‐ 18,667                      ‐ 35,748 27,692                

25,688                

Osborne Investments, Inc. Osborne KS Midwest 56,084 1,549 451 9,025 4,697 15,722 3,204 1,239 1

UBT Bancshares, Inc. Marysville KS Midwest 541,766 41,004 27,943 44,044 63,137 176,128 49,201 21,449 5

FCB Bancorp, Inc. Louisville KY South 468,843 27,761                ‐ 54,823 56 82,640 18,248                

51,151 

Magnolia Bancshares Inc. Hodgenville KY South 133,249 6,246 10,176 2,066 14,930 33,419 6,740 17,070 

Community Trust Financial Corporation Ruston LA South 3,013,591 294,044 150,315 1,480 24,990 470,828 930,453 230,044 

First Guaranty Bancshares, Inc. Hammond LA South 1,382,110 85,481 82,769 17,727 12,111 198,087 126,925 147,117 1
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 

Q1 2013

Baseline Business

Lending

Baseline Lending

First NBC Bank Holding Company New Orleans LA South 2,786,786 288,580              ‐ 212,783 261 501,625 673,777              

343,968 

MidSouth Bancorp, Inc. Lafayette LA South 1,864,619 185,803 126,929 6,367 3,019 322,119 295,727 202,963 1

Ouachita Bancshares Corp. Monroe LA South 628,296 47,682 73,761 14,288 9,163 144,892 67,278 96,179 1

Progressive Bancorp, Inc. Monroe LA South 470,432 54,604 42,050 1,671 7,976 106,300 48,932 44,162 

Hyde Park Bancorp, Inc. Hyde Park MA Northeast 1,190,646 1,142                     ‐ 542                      ‐ 1,684 32,266                  

8,760                

Island Bancorp, Inc. Edgartown MA Northeast 146,082 2,672                ‐ 20,909                      ‐ 23,581 4,616                

31,175                

Leader Bancorp, Inc. Arlington MA Northeast 586,511 7,075                ‐ 24,647                      ‐ 31,722 23,835                

52,191                

New England Bancorp, Inc. Hyannis MA Northeast 196,409 9,707                ‐ 19,019                      ‐ 28,726 27,990                

34,584                

Provident Bancorp, Inc. Amesbury MA Northeast 599,439 17,487                ‐ 70,118 93 87,697 67,937                

82,764 

Rockport National Bancorp, Inc. Rockport MA Northeast 195,144 9,222                ‐ 29,422                      ‐ 38,643 9,624                

36,062                

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 461,947 22,466                ‐ 24,415                      ‐ 46,880 36,892                

57,887                

Eagle Bancorp, Inc. Bethesda MD South 3,310,363 325,046              ‐ 122,093                      ‐ 447,140 635,979              

270,838 

Howard Bancorp, Inc. Ellicott City MD South 406,987 91,705                ‐ 41,681 794 134,180 87,988                

74,104 

Monument Bank Bethesda MD South 402,257 20,990                ‐ 12,522 576 34,088 25,289                

29,084 

Tri‐County Financial Corporation Waldorf MD South 966,417 121,233              ‐ 137,607                      ‐ 258,840 103,755              

195,385                

Katahdin Bankshares Corp. Houlton ME Northeast 579,655 95,319 50,102 3,312 2,706 151,438 116,102 60,395 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 156,390 15,987                ‐ 17,807                      ‐ 33,793 24,923                

27,057                

Crestmark Bancorp, Inc. Troy MI Midwest 444,362 153,006                  ‐ 1,470                      ‐ 154,475 378,302                  

1,812                

Huron Valley State Bank Milford MI Midwest 83,997 5,648                ‐ 16,506 191 22,345 9,323                

23,206 

Level One Bancorp, Inc. Farmington Hills MI Midwest 518,835 39,110                ‐ 24,606                      ‐ 63,716 118,227                

61,801                

Valley Financial Group, Ltd. Saginaw MI Midwest 182,270 38,248                ‐ 36,190 90 74,528 47,637                

40,724 

Financial Services of Winger, Inc. Fosston MN Midwest 132,906 19,628 7,190 25,894 21,040 73,751 21,305 11,736 3

Heritage Bancshares Group, Inc. Willmar MN Midwest 419,566 59,801 32,540 48,486 28,555 169,382 59,460 19,390 5

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 54,224 4,668 9,381 3,475 7,114 24,637 7,744 16,065 

McLeod Bancshares, Inc. Shorewood MN Midwest 431,127 23,330 3,763 5,618 2,780 35,490 14,382 26,731 

MidWest Bancorporation, Inc. Eden Prairie MN Midwest 221,751 35,697                ‐ 18,909                      ‐ 54,606 19,213 11,719 2

Platinum Bancorp, Inc. Oakdale MN Midwest 142,014 19,145                ‐ 27,015 573 46,733 30,680                

26,369 

Redwood Financial, Inc. Redwood Falls MN Midwest 204,471 24,855                ‐ 31,378                      ‐ 56,233 15,915 20,490 2Cardinal Bancorp II, Inc. Washington MO Midwest 300,131 34,752 29,431 190 5,482 69,855 36,901 34,402 

Fortune Financial Corporation Arnold MO Midwest 146,316 24,461                ‐ 23,534 370 48,366 21,004                

25,082                

Great Southern Bancorp, Inc. Springfield MO Midwest 4,034,783 138,613 136,926 4,079 21,896 301,514 221,332 134,887 

Liberty Bancorp, Inc. Liberty MO Midwest 403,191 23,445                ‐ 53,499                      ‐ 76,944 41,994                

59,258 

Security State Bancshares, Inc. Charleston MO Midwest 665,349 56,094 57,781 30,314 49,925 194,113 54,227 68,998 3

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 786,705 52,833 42,934 28,817 26,753 151,336 67,730 78,474 3

Triad Bancorp, Inc. Frontenac MO Midwest 220,735 15,530                ‐ 16,895 820 33,245 28,414                

33,571 

BankFirst Capital Corporation Macon MS South 733,904 58,754 75,633 9,765 42,941 187,093 73,121 83,472 

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS South 5,778,791 390,730 469,509 9,668 19,435 889,341 1,912,247 319,050 

Bancorp of Montana Holding Company Missoula MT West 44,402 1,208                  ‐ 1,994 444 3,646 6,037                  

3,950 

First Bancorp Troy NC South 3,280,460 140,198 279,520 7,734 36,485 463,938 136,822 364,550 

Live Oak Bancshares, Inc. Wilmington NC South 369,447 27,794                ‐ 73,668                      ‐ 101,462 94,261              

108,472                

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC South 1,967,460 42,334                ‐ 51,218 122 93,673 110,639 270,073 

Premara Financial, Inc. Charlotte NC South 235,785 15,263                ‐ 23,523                      ‐ 38,786 24,566                

43,583 

Providence Bank Rocky Mount NC South 199,761 14,547 12,644 780 826 28,797 18,052 18,994 

Select Bancorp, Inc. Greenville NC South 259,621 18,588                  ‐ 9,146 1,726 29,459 17,581                

28,956 

Union Bank & Trust Company Oxford NC South 206,216 19,991 15,549 10 3,112 38,662 21,318 20,512 

Alerus Financial Corporation Grand Forks ND Midwest 1,320,585 180,756 65,037 33,489 10,852 290,134 267,235 130,472 2

Western State Agency, Inc. Devils Lake ND Midwest 584,615 97,220 32,153 14,569 6,955 150,896 179,269 19,940 1

Adbanc Inc. Ogallala NE Midwest 578,721 69,479 59,439 77,060 51,676 257,654 70,867 65,388 8

Banner County Ban Corporation Harrisburg NE Midwest 107,304 8,633 2,981 30,815 15,368 57,797 11,336 7,168 2

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 401,010 40,835 24,786 25,570 36,985 128,176 48,212 32,091 3

The State Bank of Bartley Bartley NE Midwest 83,664 13,050 4,465 8,672 2,035 28,221 13,628 5,647 1Centrix Bank & Trust Bedford NH Northeast 850,873 105,188              ‐ 145,314                      ‐ 250,502 160,832              

198,337                

First Colebrook Bancorp, Inc. Colebrook NH Northeast 249,055 25,654 42,281 569 82 68,585 35,740 47,301 

Guaranty Bancorp, Inc. Woodsville NH Northeast 381,646 37,136 48,710 454 1,988 88,288 35,953 58,894 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,230,122 57,064                ‐ 80,606                      ‐ 137,670 54,430 147,077 
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 

Q1 2013

Baseline Business

Lending

Baseline Lending

Northway Financial, Inc. Berlin NH Northeast 845,991 44,870                ‐ 67,422                      ‐ 112,292 83,170                

60,897                

Center Bancorp, Inc. Union NJ Northeast 1,609,096 106,353              ‐ 113,588                      ‐ 219,941 174,845                

94,944                

Community Partners Bancorp Middletown NJ Northeast 735,643 48,487              ‐ 135,572 204 184,262 48,644              

156,190 

Crest Savings Bancorp, Inc. Wildwood NJ Northeast 393,697 3,201                ‐ 17,693                      ‐ 20,894 4,950                

22,405                

Freedom Bank Oradell NJ Northeast 167,713 14,905                ‐ 17,540                      ‐ 32,445 11,389                

39,982                

Harmony Bank Jackson NJ Northeast 156,645 929                  ‐ 9,059 1,000 10,988 3,936                

36,393 

Highlands Bancorp, Inc. Vernon NJ Northeast 198,075 16,612                ‐ 17,780 777 35,168 25,376                

39,012 

Hopewell Valley Community Bank Pennington NJ Northeast 430,978 9,885                ‐ 76,725 876 87,485 16,498              

113,498 

Regal Bank Livingston NJ Northeast 275,125 1,682                ‐ 24,190                      ‐ 25,872 5,116                

38,573                

Stewardship Financial Corporation Midland Park NJ Northeast 692,394 48,805              ‐ 156,337 1,053 206,195 28,065              

168,162 

Meadows Bank Las Vegas NV West 312,213 29,330                ‐ 21,164                      ‐ 50,495 88,885                

43,103                

Alma Bank Astoria NY Northeast 888,327 66,760                ‐ 25,038                      ‐ 91,798 190,616              

147,613                

Catskill Hudson Bancorp, Inc. Rock Hill NY Northeast 391,118 42,715 54,456 277 1,075 98,522 46,133 92,110 

Elmira Savings Bank (The Elmira Savings Bank, FSB) Elmira NY Northeast 510,984 36,668                ‐ 58,685                      ‐ 95,353 24,586                

65,007                

Greater Rochester Bancorp, Inc. Rochester NY Northeast 352,596 43,466                ‐ 17,134 1,736 62,336 78,889                

35,335 

Kinderhook Bank Corp. Kinderhook NY Northeast 311,955 18,911 19,028 58 2,330 40,328 27,732 35,539 

Pathfinder Bancorp, Inc. Oswego NY Northeast 579,259 25,983                ‐ 48,698 786 75,467 34,044                

58,540 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Northeast 268,291 6,963                  ‐ 9,127                      ‐ 16,090 18,256 15,520 

Columbus First Bancorp, Inc Worthington OH Midwest 244,346 19,279                ‐ 15,132                      ‐ 34,411 24,887                

27,103 

Community Independent Bancorp Inc. West Salem OH Midwest 95,070 2,587 5,795 133 3,505 12,020 2,911 9,628 

Insight Bank Columbus OH Midwest 188,086 3,205                ‐ 10,876                      ‐ 14,080 11,524                

20,987                

AmeriBank Holding Company Collinsville OK South 159,953 19,843 9,416 1,590 2,324 33,172 31,299 6,615 

Central Service Corporation Enid OK South 594,484 43,994 23,240 43,232 38,675 149,140 73,834 27,215 5F & M Bancorporation, Inc. Tulsa OK South 2,380,676 382,607 142,344 17 955 525,922 1,090,540 185,914 

Prime Bank Group Edmond OK South 172,967 7,722 10,116 53 1,742 19,632 23,288 26,991 Regent Capital Corporation Nowata OK South 186,700 24,582 17,779 3,616 9,416 55,394 40,650 27,111 

AmeriServ Financial, Inc. Johnstown PA Northeast 972,862 92,509                ‐ 62,972 178 155,659 98,902                

93,140 

CBT Financial Corp. Clearfield PA Northeast 417,322 34,922 32,578 1,037 6,580 75,117 46,487 31,406 

Centric Financial Corporation Harrisburg PA Northeast 303,442 16,476 31,487 193 1,397 49,553 32,700 50,242 

Codorus Valley Bancorp, Inc. York PA Northeast 1,060,501 46,618 104,503 1,653 24,703 177,476 78,268 120,840 

DNB Financial Corporation Downingtown PA Northeast 642,241 38,960                ‐ 73,668 10,878 123,505 58,701                

91,382 

Emclaire Financial Corp. Emlenton PA Northeast 512,449 33,244                ‐ 25,924                      ‐ 59,168 35,087 25,271 

Enterprise Financial Services Group, Inc. Allison Park PA Northeast 267,971 37,394                ‐ 75,423 424 113,241 41,810                

89,984 

First Resource Bank Exton PA Northeast 149,724 11,395                ‐ 19,652 1,119 32,165 12,472                

26,952 

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Northeast 223,045 18,122                  ‐ 7,022                      ‐ 25,143 23,759                

17,513                

Jonestown Bank and Trust Company Jonestown PA Northeast 396,842 6,880 29,539 11 4,390 40,820 12,322 41,213 

MileStone Bank Doylestown PA Northeast 198,508 17,161                ‐ 29,937                      ‐ 47,098 52,063                

48,689                

Monument Bank Doylestown PA Northeast 222,354 1,478                ‐ 17,409 828 19,715 1,544                

49,621 

Penn Liberty Financial Corp. Wayne PA Northeast 538,421 58,496                ‐ 84,723                      ‐ 143,218 75,929              

106,336                

Phoenix Bancorp, Inc. Minersville PA Northeast 133,351 5,262                  ‐ 4,097                      ‐ 9,359 12,279                

27,736 

Team Capital Bank Bethlehem PA Northeast 942,708 58,221                ‐ 58,748                      ‐ 116,969 72,045              

104,593 

The Victory Bancorp, Inc. Limerick PA Northeast 130,819 13,913                  ‐ 8,245 1,757 23,916 29,428                

22,978 

Valley Green Bank Philadelphia PA Northeast 302,483 10,485                ‐ 12,990                      ‐ 23,475 31,382                

38,732                

York Traditions Bank York PA Northeast 279,679 48,533                ‐ 27,986 2,156 78,674 55,991                

46,383 

Carolina Alliance Bank Spartanburg SC South 247,543 29,943                ‐ 34,965 830 65,737 35,280                

54,792 

GrandSouth Bancorporation Greenville SC South 378,965 49,299 43,148 114 3,454 96,015 57,451 45,589 

TCB Corporation Greenwood SC South 321,584 16,375                ‐ 40,863 1,056 58,294 21,587                

49,940 

BHCB Holding Company Rapid City SD Midwest 127,443 11,260 16,312 1,696 1,627 30,895 17,414 37,169 

Avenue Financial Holdings, Inc. Nashville TN South 759,552 92,450                ‐ 29,501                      ‐ 121,950 138,461                

53,111 

CapitalMark Bank & Trust Chattanooga TN South 790,025 88,680                ‐ 45,869                      ‐ 134,549 144,093                

91,101 

Carroll Financial Services, Inc. Huntingdon TN South 267,583 7,921 34,549 4,141 14,441 61,052 12,309 42,160 

Community First Bancshares, Inc. Union City TN South 1,759,884 102,278 165,597 16,329 35,772 319,976 117,940 157,653 1

Evolve Bancorp, Inc. Cordova TN South 266,048 8,239 5,161 2,211 3,490 19,101 12,480 34,516 

Franklin Financial Network, Inc. Franklin TN South 608,911 10,261 9,123 823 149 20,356 22,989 10,611 Independent Holdings, Inc. Memphis TN South 806,586 39,655                ‐ 11,109 1,474 52,238 60,919                

22,520 
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 

Q1 2013

Baseline Business

Lending

Baseline Lending

InsCorp, Inc. Nashville TN South 200,245 11,667                  ‐ 8,603 765 21,034 22,374                

24,495 

Landmark Community Bank Collierville TN South 420,113 17,728 11,183 94 263 29,268 37,796                

19,165                

Magna Bank Memphis TN South 478,294 24,492                ‐ 17,032                      ‐ 41,524 72,819 20,254                

Merchants and Planters Bancshares, Inc. Bolivar TN South 92,595 5,479 10,527 361 2,730 19,097 5,811 13,343 

Moneytree Corporation Lenoir City TN South 398,493 35,050 32,806 61 1,627 69,543 18,729                

58,055 

Planters Financial Group, Inc. Clarksville TN South 748,333 59,970 67,388 12,733 34,238 174,327 67,661 112,401 1

Sequatchie Valley Bancshares, Inc. Dunlap TN South 613,623 2,685 34,739 770 6,525 44,719 2,085 10,922 

SmartFinancial, Inc. Pigeon Forge TN South 440,367 21,736                ‐ 14,293 1,139 37,167 36,272                

37,086 

Southern Heritage Bancshares, Inc. Cleveland TN South 241,206 26,826 30,355 33 1,077 58,290 24,883 46,595                

Sumner Bank & Trust Gallatin TN South 182,005 12,075 15,701 43 694 28,512 8,801 20,839 AIM Bancshares, Inc. Levelland TX South 396,126 39,299 14,585 13,262 6,874 74,020 104,811 27,664 1

BMC Bancshares, Inc. Dallas TX South 60,932 765 2,514 825 223 4,326 2,292 10,677                

BOH Holdings, Inc. Houston TX South 883,107 127,907                ‐ 69,441                      ‐ 197,348 193,764              

142,339 

FB BanCorp San Antonio TX South 604,444 99,765                  ‐ 2,480                      ‐ 102,244 56,296 2,278                

5

First Texas BHC, Inc. Fort Worth TX South 1,111,818 85,806 71,371 110 2,229 159,515 185,462 107,551 

Frontier Bancshares, Inc. Austin TX South 398,974 25,056 29,742 851 6,814 62,462 56,041 77,099 

FVNB Corp. Victoria TX South 2,409,319 256,962 185,801 102,406 86,398 631,567 299,509 275,293 11Happy Bancshares, Inc. Amarillo TX South 2,172,290 201,680 93,384 130,663 51,686 477,414 296,006 126,589 23

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX South 6,624,402 1,018,142 363,288 60,432 61,652 1,503,514 1,073,618 500,673 4

Joaquin Bankshares Inc. Huntington TX South 122,010 14,762 13,696 1,602 13,014 43,074 30,038 11,428 

Liberty Capital Bancshares, Inc. Addison TX South 103,933 9,008                  ‐ 5,927 1,722 16,657 27,202                

10,374                

McLaughlin Bancshares, Inc. Ralls TX South 252,675 18,912 4,166 29,426 3,706 56,210 32,467 14,106 1Pioneer Bank, SSB Drippings Springs TX South 222,078 7,439                  ‐ 8,987 1,142 17,568 24,590 26,465 

Southwestern Bancorp, Inc. Boerne TX South 106,145 5,487 12,617 2,545 1,837 22,486 7,636 14,161 Sovereign Bancshares, Inc. Dallas TX South 1,067,889 196,282                ‐ 22,060 918 219,260 248,508                

47,991 

Steele Holdings, Inc. Tyler TX South 238,085 14,649 15,060 427 1,007 31,142 20,164 28,302 

The ANB Corporation Terrell TX South 2,277,183 142,877 265,405 6,732 22,473 437,487 111,503 392,111 

Third Coast Bank SSB Humble TX South 260,919 33,954                ‐ 30,443                      ‐ 64,397 95,111 45,953 

Veritex Holdings, Inc. Dallas TX South 563,387 24,303                ‐ 14,187 1,151 39,641 140,805 70,213 

Cache Valley Banking Company Logan UT West 521,724 33,786 39,918 9,516 16,242 99,462 54,824 100,303 1LCA Bank Corporation Park City UT West 75,004                     ‐ 136                      ‐                      ‐ 136                  ‐ 2,740                      

               

Medallion Bank Salt Lake City UT West 731,752              ‐ 234,859                      ‐                      ‐ 234,859             ‐ 408,747                      

               

Blue Ridge Bankshares, Inc. Luray VA South 217,894 4,225 15,593 159 2,442 22,419 7,675 13,593 

Citizens Community Bank South Hill VA South 160,977 18,419 16,605 251 3,246 38,520 13,062 26,693 

Heritage Bankshares, Inc. Norfolk VA South 320,768 29,431                ‐ 36,330                      ‐ 65,761 25,037                

54,138                

TowneBank Portsmouth VA South 4,375,172 302,054 531,494 675 6,389 840,612 406,430 709,903 

United Financial Banking Companies, Inc. Vienna VA South 325,770 17,679                ‐ 59,243                      ‐ 76,922 26,113                

65,672                

Virginia Heritage Bank Fairfax VA South 804,829 39,167                ‐ 50,228                      ‐ 89,395 40,146              

113,881 

WashingtonFirst Bankshares, Inc. Reston VA South 1,063,024 60,171 13,644 117 3,240 77,172 111,766              

141,772                

Xenith Bankshares, Inc. Richmond VA South 579,251 14,641                ‐ 19,095 593 34,328 204,429 56,986 

Puget Sound Bank Bellevue WA West 276,029 49,945                ‐ 28,866                      ‐ 78,810 83,226                

37,243 

U&I Financial Corp Lynnwood WA West 193,825 8,950                ‐ 34,994                      ‐ 43,943 11,067                

48,174                

W.T.B. Financial Corporation Spokane WA West 4,369,620 726,366 358,143 80,131 37,049 1,201,688 732,468 425,868 12

County Bancorp, Inc. Manitowoc WI Midwest 743,669 44,238 63,411 118,072 171,649 397,369 53,566 53,053 16

Deerfield Financial Corporation Deerfield WI Midwest 106,764 15,306 116 4,065 1,820 21,306 9,387 7,248 First American Investment, Inc. Hudson WI Midwest 92,030 4,014 15,043                     ‐ 163 19,220 5,815 22,513 

First Menasha Bancshares, Inc. Neenah WI Midwest 339,645 51,762 29,044 6 519 81,331 55,728 39,017 Nicolet Bankshares, Inc. Green Bay WI Midwest 664,610 129,397 137,477 41 2,935 269,850 174,000 107,523 

Northern Bankshares, Inc. McFarland WI Midwest 426,363 26,290 62,897 1,313 15,949 106,449 35,022              

112,187 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 68,903 3,710 8,995 6,075 11,414 30,194 3,236 7,754 

Sword Financial Corporation Horicon WI Midwest 525,320 63,172 127,299 10,132 21,004 221,607 72,286 126,313 1

First Bank of Charleston Charleston WV South 203,762 23,426                  ‐ 1,497                      ‐ 24,923 24,745                  

2,714                

MVB Financial Corp. Fairmont WV South 756,425 15,650                ‐ 38,312                      ‐ 53,962 40,193                

76,346                

Financial Security Corporation Basin WY West 313,068 26,934 10,943 18,648 17,218 73,742 32,185 19,383 1