January 2013

Use of Funds Report

Report to Congress submitted pursuant to Section 4106(3)

of the Small Business Jobs Act
1

OVERVIEW

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

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

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

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

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

and promote economic growth in communities across the nation. 

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

September 30, 2012, relative to baseline levels.

2

 As of September 30, 2012, institutions participating in 

SBLF have made important progress in increasing their small business lending, helping to support small 

businesses and local economies across the nation.

• In total, SBLF participants have increased their small business lending by $7.4 billion over a 

$36.5 billion baseline, and by $740 million over the prior quarter.

• Increases in small business lending are widespread across SBLF participants, with 89 percent of 

participants having increased their small business lending over baseline levels.

• Over three-quarters of SBLF participants (78 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 543 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

6,297 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 32.2 percent over

baseline levels, versus a 5.7 percent median increase for the representative peer group and a 

2.1 percent median increase for the broader comparison group.

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

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

• SBLF banks that refinanced CPP funding have increased business lending by a median of 27.2

percent since their initial receipt of CPP funding from Treasury versus a 14.0 percent increase 

for the peer group and a 6.6 percent increase for the comparison group over the same period. 

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

 

1

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

with consolidated assets of less than $10 billion. 

2

As established in the Act, the baseline for measuring the change in small business lending is the average of the amounts that

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

BACKGROUND

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

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

program have used the funds they received under the program. 

Treasury invested over $4.0 billion in 332 institutions through the SBLF program. These amounts include 

investments of $3.9 billion in 281 community banks and $104 million in 51 CDLFs. Collectively, these 

institutions operate in over 3,000 locations across 48 states. This report includes information on the 326

institutions that continued to participate in the program as of September 30, 2012, including 275

community banks and 51 CDLFs. The initial disbursement of SBLF funding to banks occurred on June 21, 

2011, with subsequent transactions completed thereafter until the program’s September 27, 2011 

statutory funding deadline. 

As of September 30, 2012, six institutions with aggregate investments of $37.0 million have fully 

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

$26.2 million (or 36 percent of their SBLF securities) though continue to participate in the program.

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

CDLFs with less than $10 billion in assets.

• For community banks, the SBLF is structured to encourage small business lending through a 

dividend or interest rate incentive structure. The initial rate payable on SBLF capital is, at most, 5 

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

or more. 3 Banks that increase their lending by amounts less than 10 percent pay rates between 2 

percent and 4 percent. If a bank’s lending does not increase in the first two years, however, the 

rate increases to 7 percent. If a bank has not repaid the SBLF funding after four and a half years, 

the rate increases to 9 percent.

• For CDLFs, the SBLF is structured to encourage small business lending through access to low‐cost 

capital at a 2 percent interest rate. These non‐profit loan funds play a critical role in distressed 

communities across the country that lack access to mainstream financial services. CDLFs engage in 

activities ranging from 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 September 30, 2012, SBLF participants have increased their small business lending by $7.4 billion

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

lending by $7.3 billion (or 20 percent) over a $35.8 billion baseline, and CDLFs increased their small 

business lending by $185.9 million (or 24 percent) over a $787.3 million baseline. The following graph

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

September 30, 2012.

Increase in Small Business Lending over Baseline by SBLF Participants

(Reported as of September 30, 2012)

Increases in small business lending are widespread among SBLF participants. To date, 245 of the 275

participating community banks (or 89 percent) and 46 of the 51 CDLFs (or 90 percent) have increased 

their small business lending. In addition, 253 of the 326 SBLF participants (or 78 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

SBLF Participants Reporting Increases in Small Business Lending over Baseline4

(Reported as of September 30, 2012)

 

4

As a result of redemptions, the total number of SBLF institutions was 326 as of Q3 2012, 328 as of Q2 2012, and 332 as of Q1 

2012 and Q4 2011.
5

COMPARISON OF LENDING BY SBLF BANKS AND NON-SBLF BANK GROUPS

This section compares changes in business lending and other lending by SBLF banks relative to (i) a 

representative “peer group” of 543 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 6,297 

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 September 30, 2012 to their baseline levels, SBLF banks 

increased business lending by a median of 32.2 percent, versus a 5.7 percent median increase for the

peer group and a 2.1 percent median increase for the comparison group. In addition to increasing 

business lending, SBLF banks increased other types of lending by a median of 19.4 percent over baseline 

levels, versus a median increase of 1.5 percent among the peer group and 4.2 percent decrease among 

the comparison group.

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

and the comparison group.

Changes in Business Lending and Other Lending

(Reported as of September 30, 2012)
6

Distribution of Changes in Business Lending

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

significant increases in business lending. In total, 80 percent of banks participating in SBLF have 

increased their business lending by 10 percent or more versus 44 percent for the peer group and 39

percent for the comparison group. Forty percent of the peer group and 46 percent of the comparison

group have reduced business lending versus 10 percent of SBLF bank participants.

Distribution of Changes in Business Lending 

(Reported as of September 30, 2012)

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

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

reported. SBLF banks increased business lending by a mean of 50 percent with a standard deviation of 

53.

5

 The peer group of non-SBLF banks increased business lending by a mean of 19 percent with a 

standard deviation of 45 while the comparison group increased business lending by a mean of 8 percent 

with a standard deviation of 34. 

 

5

The calculations of mean and standard deviation for each group apply a 90 percent winsorization to limit the effect of extreme 

values in the sample (i.e., all data below the fifth percentile is set to the value of the fifth percentile and all the data above the 

95th percentile is set to the value of the 95th percentile). Winsorization is a statistical transformation used to limit the effect of 

extreme values in a sample. The standard deviation is a measure of the variation of data points from their mean. In these 

results, the large standard deviations indicate that the percentage increases in business lending by SBLF banks and the peer and 

comparison groups are distributed over a large range of values and not concentrated around the mean. 
7

Changes in Business Lending by Regional Geography

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

peer group and the comparison group reported smaller median increases or median decreases in 

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

the peer and comparison groups across four regions.6

Changes in Business Lending by Regional Geography

(Reported as of September 30, 2012)

Changes in Business Lending by Institution Size

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

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

median decreases.

7

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

and the peer and comparison groups across four categories of institution size.

 

6

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

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

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

7

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

assets reported by banks as of March 31, 2011, the quarter immediately prior to Treasury’s first SBLF investment.
8

Changes in Business Lending by Institution Size

(Reported as of September 30, 2012)

Changes in Business Lending by Loan Category

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

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

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

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

Changes in Business Lending by Loan Category

(Reported as of September 30, 2012)
9

LENDING BY FORMER CAPITAL PURCHASE PROGRAM (CPP) PARTICIPANTS

The Act authorized Treasury to allow CPP participants that met certain requirements to refinance CPP 

investments into SBLF. In total, 137 institutions repaid a CPP investment in connection with an SBLF 

closing. These banks received $2.7 billion in SBLF funding and used $2.2 billion of this capital to repay 

outstanding CPP balances. This section of the report includes information on the 131 institutions that 

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

Lending Increases by Institutions that Refinanced CPP Investments

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

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

also reported a median increase from the SBLF baseline period. 

SBLF banks that refinanced CPP funding reported a median increase in business lending of 27.2 percent

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

business lending has increased by a median of 18.4 percent since the baseline period. The peer group of 

non-SBLF banks reported a median increase in business lending of 14.0 percent since the reporting date 

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

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

lending by a median of 5.7 percent and the comparison group has increased business lending by 2.1

percent, as previously noted.

Changes in Business Lending by Former CPP Participants8

(Reported as of September 30, 2012)

 

8

For the 131 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 September 30, 2012. Because the median CPP 

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

and comparison groups is measured from March 31, 2009 to September 30, 2012 for this calculation. This calculation excludes 

one SBLF participant that was a former CPP participant but was subsequently acquired following the receipt of SBLF funding.
10

Dividend Rates Payable by Institutions that Refinanced CPP Investments

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

by SBLF only if they increase their small business lending over baseline levels. As of September 30, 2012, 

banks that refinanced CPP capital pay an average dividend or interest rate of 2.3 percent on SBLF 

funding, whereas other bank participants pay an average rate of 1.5 percent.9

APPENDICES

A. Report Methodology 

B. Updated Prior Period Results

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

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

 

9

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

APPENDIX A: REPORT METHODOLOGY

This report provides information on changes in small business lending, business lending, and other (nonbusiness related) lending by SBLF participants as of September 30, 2012, relative to baseline levels. For 

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

percentage change, as noted, in lending between September 30, 2012 and the baseline period, unless 

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

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

updates the methodology and calculations employed in prior Use of Funds Reports, and results for prior 

periods are included in Appendix B.

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 September 30, 2012 and the baseline amount. Participants report their baseline and 

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

recent supplemental report includes lending information as of September 30, 2012.

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

Appendix C. 

Measurement of Business Lending and Other Lending

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

participants relative to (i) a representative peer group of 543 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 6,297 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).
12

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 

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

the median SBLF bank.

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

outstanding as of September 30, 2012 and the baseline amount. The baseline is calculated as the 

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

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

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

For the CPP refinance participants, this report includes a calculation of the median increase in business 

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

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

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

investment to September 30, 2012. This section also includes a calculation of the median increase in 

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

median CPP participant received its initial CPP investment) to September 30, 2012.

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

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

used by banks. Call Reports segment nonfarm, nonresidential real estate loans into separate owneroccupied and non-owner occupied categories, and only those loans classified as owner-occupied are 

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

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

nonfarm, nonresidential real estate to total nonfarm, nonresidential real estate as of March 31, 2012 for 

each thrift institution. The resulting percentage is applied to nonfarm, nonresidential real estate loan 

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

values. Starting March 31, 2012, all banks, thrifts, and bank and thrift holding companies file Call 

Reports.

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

business lending by SBLF banks is presented in Appendix D. 

Calculation of Median Changes in Lending

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

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

describes the lending activities of the typical institution in each group than would a calculation of the 
13

arithmetic mean (which remains 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 275 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 6,297 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. 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 543 non-SBLF insured depository institutions that 

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

participants.

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

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

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

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

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

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

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

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

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

percent would be matched with the two, Ohio-based peer 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 September 30, 2012, a total of 12 institutions have been removed from the peer 

group as a result of SBLF participants exiting the program and seven have been removed as a 

result of mergers or acquisitions of the peer institutions.
14

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 275 543 6297

Increase in business lending (median) 32.2% 5.7% 2.1%

Increase in other lending (median) 19.4% 1.5% -4.2%

Assets ($000s)

Median $282,216 $291,966 $144,591

Mean $526,897 $513,597 $308,241

Texas Ratio

Median 15.1% 15.7% 17.3%

Mean 17.8% 19.6% 30.8%

Region (% of participants)

Midwest 28.0% 28.2% 45.1%

Northeast 18.5% 18.6% 9.4%

South 38.2% 37.8% 37.1%

West 15.3% 15.5% 8.4%

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

APPENDIX B: UPDATED PRIOR PERIOD RESULTS

The tables on the following pages include updated results for previously published Use of Funds Reports 

transmitted to Congress, including new information on lending by the peer group of non-SBLF banks. 

The information reported herein is based on Call Report data from December 2012 and the 

methodology described in Appendix A.

SBLF

Banks

Peer

Group

Comparison 

Group

Number of institutions 277 554 6355

Changes in Business and Other Lending

Increase in Business Lending (median) 29.6% 5.7% 1.7%

Increase in Other Lending (median) 13.8% 0.6% -4.6%

Increase in Business Lending (mean) 43.8% 17.6% 7.1%

Increase in Business Lending (standard dev.) 45.9% 41.5% 31.5%

Increase in Business Lending by 10% or more 77.6% 44.4% 37.4%

Reduction in Business Lending 9.0% 40.4% 47.2%

Distribution of Changes in Business Lending

10.0% or Greater Decrease 5.4% 24.4% 30.8%

0.1% to 9.9% Decrease 3.6% 16.1% 16.4%

0.0% to 9.9% Increase 13.4% 15.2% 15.5%

10.0% to 19.9% Increase 15.9% 11.6% 11.7%

20.0% to 39.9% Increase 24.9% 14.4% 12.4%

40.0% or Greater Increase 36.8% 18.4% 13.3%

Changes in Business Lending by Regional Geography

Midwest 23.1% 5.4% 2.4%

Northeast 30.7% 12.6% 6.0%

South 33.6% 6.0% 0.5%

West 37.9% 2.4% -3.8%

Changes in Business Lending by Institution Size

$7.0 to $249 Million 39.4% 6.0% 2.3%

$250 to $499 Million 27.9% 5.1% 0.8%

$500 to $999 Million 20.4% 7.3% -0.3%

$1.0 to $6.4 Billion 14.7% 5.2% 1.2%

Changes in Business Lending by Loan Category

Commercial & Industrial 24.7% 2.4% -3.2%

Owner-Occupied CRE 33.6% 5.3% -0.5%

Agricultural Production 13.4% 1.2% 0.4%

Farmland 22.8% 4.9% 6.0%

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since Investment 25.0% 12.7% 5.8%

Increase in Business Lending since Baseline 17.0% 5.7% 1.7%

Update to October Use of Funds Report on Lending as of June 30, 2012
16

SBLF

Banks

Peer

Group

Comparison 

Group

Number of institutions 281 562 6411

Changes in Business and Other Lending

Increase in Business Lending (median) 23.6% 4.2% -0.8%

Increase in Other Lending (median) 10.4% 0.1% -4.8%

Increase in Business Lending (mean) 36.4% 14.9% 4.2%

Increase in Business Lending (standard dev.) 42.5% 38.2% 28.8%

Increase in Business Lending by 10% or more 71.5% 40.7% 32.2%

Reduction in Business Lending 13.9% 42.2% 51.5%

Distribution of Changes in Business Lending

10.0% or Greater Decrease 6.0% 23.5% 32.4%

0.1% to 9.9% Decrease 7.8% 18.7% 19.1%

0.0% to 9.9% Increase 14.6% 17.1% 16.2%

10.0% to 19.9% Increase 16.0% 11.4% 10.7%

20.0% to 39.9% Increase 24.2% 12.6% 10.8%

40.0% or Greater Increase 31.3% 16.7% 10.8%

Changes in Business Lending by Regional Geography

Midwest 17.5% 3.5% -0.6%

Northeast 29.3% 10.1% 3.9%

South 27.7% 4.5% -1.5%

West 28.6% 2.3% -5.6%

Changes in Business Lending by Institution Size

$7.0 to $249 Million 32.4% 4.2% -0.6%

$250 to $499 Million 23.2% 2.7% -0.2%

$500 to $999 Million 16.5% 7.4% -2.7%

$1.0 to $6.4 Billion 9.4% 2.1% -2.8%

Changes in Business Lending by Loan Category

Commercial & Industrial 21.3% 0.8% -4.7%

Owner-Occupied CRE 27.8% 4.9% -1.0%

Agricultural Production -2.4% -8.5% -9.0%

Farmland 20.6% 3.3% 4.0%

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since Investment 21.3% 10.5% 3.0%

Increase in Business Lending since Baseline 13.4% 4.2% -0.8%

Update to July Use of Funds Report on Lending as of March 31, 2012
17

SBLF

Banks

Peer

Group

Comparison 

Group

Number of institutions 281 562 6417

Changes in Business and Other Lending

Increase in Business Lending (median) 22.3% 4.3% 1.1%

Increase in Other Lending (median) 9.8% -0.4% -3.9%

Increase in Business Lending (mean) 32.7% 12.8% 4.8%

Increase in Business Lending (standard dev.) 37.0% 30.7% 25.6%

Increase in Business Lending by 10% or more 70.8% 40.2% 33.4%

Reduction in Business Lending 15.3% 41.5% 47.8%

Distribution of Changes in Business Lending

10.0% or Greater Decrease 6.4% 21.2% 28.7%

0.1% to 9.9% Decrease 8.9% 20.3% 19.2%

0.0% to 9.9% Increase 13.9% 18.3% 18.7%

10.0% to 19.9% Increase 18.9% 11.9% 12.4%

20.0% to 39.9% Increase 20.6% 11.9% 11.2%

40.0% or Greater Increase 31.3% 16.4% 9.8%

Changes in Business Lending by Regional Geography

Midwest 16.4% 3.0% 2.3%

Northeast 24.8% 8.7% 4.4%

South 23.3% 4.4% -0.5%

West 28.5% 3.2% -4.0%

Changes in Business Lending by Institution Size

$7.0 to $249 Million 30.1% 4.3% 1.2%

$250 to $499 Million 21.6% 3.9% 1.4%

$500 to $999 Million 13.3% 6.7% -0.6%

$1.0 to $6.4 Billion 9.6% 2.6% 1.2%

Changes in Business Lending by Loan Category

Commercial & Industrial 20.3% 0.8% -3.7%

Owner-Occupied CRE 24.0% 4.5% -0.6%

Agricultural Production 2.4% -6.8% -1.5%

Farmland 15.4% 1.3% 3.1%

Changes in Business Lending by Former CPP Participants

Increase in Business Lending since Investment 20.8% 9.7% 5.1%

Increase in Business Lending since Baseline 12.9% 4.3% 1.1%

Update to April Use of Funds Report on Lending as of December 31, 2011
18

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

SBLF PARTICIPANTS
Institutions Participating in SBLF

Report on Information from 9/30/2012 Quarterly Supplemental Reports transmitted with January 2013 Use of Funds Report

Name City State Baseline Level Current Level Increase (Decre

over Baselin

BancIndependent, Incorporated Sheffield AL Bank 30,000,000 241,790,000 284,327,000 42,5

First Partners Bank (SouthCity Bank) Vestavia Hills AL Bank 5,200,000 39,071,000 47,055,000 7,9

ServisFirst Bancshares, Inc. Birmingham AL Bank 40,000,000 653,358,000 1,129,679,000 476,3

Southern National Corporation Andalusia AL Bank 6,000,000 155,408,000 186,796,000 31,3Southern States Bancshares, Inc. Anniston AL Bank 7,492,000 69,266,000 77,045,000 7,7First Service Bancshares, Inc. Greenbrier AR Bank 7,716,000 73,164,000 57,891,000 (15,27

Liberty Bancshares, Inc. Jonesboro AR Bank 52,500,000 619,989,000 626,930,000 6,9

Rock Bancshares, Inc. Little Rock AR Bank 6,742,000 56,208,000 76,355,000 20,1

Western Alliance Bancorporation Phoenix AZ Bank 141,000,000 1,516,808,000 1,732,246,000 215,41st Enterprise Bank Los Angeles CA Bank 16,400,000 88,154,000 225,291,000 137,1

Bank of Commerce Holdings Redding CA Bank 20,000,000 200,059,000 231,998,000 31,9California Bank of Commerce Lafayette CA Bank 11,000,000 73,565,000 155,630,000 82,0

Capital Bank San Juan Capistrano CA Bank 3,132,000 16,458,000 41,527,000 25,0

Central Valley Community Bancorp Fresno CA Bank 7,000,000 237,197,000 220,507,000 (16,69

Community Valley Bank El Centro CA Bank 2,400,000 13,645,000 34,449,000 20,8

First California Financial Group, Inc. Westlake Village CA Bank 25,000,000 313,952,000 319,103,000 5,1

First Northern Community Bancorp Dixon CA Bank 22,847,000 225,762,000 214,039,000 (11,72

First PacTrust Bancorp, Inc. Irvine CA Bank 32,000,000 19,469,000 30,671,000 11,2

FNB Bancorp South San Francisco CA Bank 12,600,000 149,634,000 133,033,000 (16,60

Founders Bancorp San Luis Obispo CA Bank 4,178,000 35,399,000 48,839,000 13,4

GBC Holdings, Inc. Los Angeles CA Bank 5,000,000 81,993,000 106,285,000 24,2

Oak Valley Bancorp Oakdale CA Bank 6,750,000 143,616,000 132,355,000 (11,26

Pacific Coast Bankers' Bancshares San Francisco CA Bank 11,960,000 42,624,000 29,747,000 (12,87

Partners Bank of California Mission Viejo CA Bank 2,463,000 54,729,000 60,581,000 5,8

ProAmerica (Promerica Bank) Los Angeles CA Bank 3,750,000 43,274,000 59,399,000 16,1

Redwood Capital Bancorp Eureka CA Bank 7,310,000 46,088,000 52,674,000 6,5

Seacoast Commerce Bank Chula Vista CA Bank 4,000,000 45,347,000 65,691,000 20,3

Security California Bancorp Riverside CA Bank 7,200,000 164,981,000 203,535,000 38,5

Silvergate Capital Corporation La Jolla CA Bank 12,427,000 9,115,000 13,187,000 4,0

Summit State Bank Santa Rosa CA Bank 13,750,000 87,458,000 98,569,000 11,1

The Bank of Santa Barbara Santa Barbara CA Bank 1,882,380 22,776,000 59,263,000 36,4

The Private Bank of California Los Angeles CA Bank 10,000,000 69,125,000 124,040,000 54,9

CIC Bancshares, Inc. Denver CO Bank 1,772,000 67,982,000 102,618,000 34,6

CoBiz Financial Inc. Denver CO Bank 57,366,000 740,718,000 781,356,000 40,6Columbine Capital Corp. Buena Vista CO Bank 6,050,000 39,448,000 74,142,000 34,6

Morgan Capital Corporation Fort Morgan CO Bank 3,250,000 27,381,000 32,565,000 5,1

Steele Street Bank Corporation Denver CO Bank 11,350,000 65,842,000 100,399,000 34,5

Verus Acquisition Group, Inc. Fort Collins CO Bank 9,740,000 66,000,000 103,254,000 37,2BNC Financial Group, Inc. New Canaan CT Bank 10,980,000 28,259,000 111,663,000 83,4

Salisbury Bancorp, Inc. Lakeville CT Bank 16,000,000 77,732,000 93,630,000 15,8

SBT Bancorp, Inc. Simsbury CT Bank 9,000,000 34,532,000 43,572,000 9,0

Community Bank Delaware Lewes DE Bank 4,500,000 30,078,000 36,819,000 6,7

Bank of Central Florida Lakeland FL Bank 7,000,000 65,574,000 93,782,000 28,2

Broward Financial Holdings, Inc. Fort Lauderdale FL Bank 3,134,000 14,233,000 46,091,000 31,8

Institution Qualified Small Business Lend

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

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

CBOS Bankshares, Inc. Merritt Island FL Bank 3,893,000 46,283,000 34,605,000 (11,67

Community Southern Bank Lakeland FL Bank 5,700,000 28,611,000 46,721,000 18,1

FineMark Holdings, Inc. Fort Myers FL Bank 5,665,000 25,709,000 51,520,000 25,8

First Federal Bancorp, Inc. Lake City FL Bank 20,000,000 65,513,000 152,704,000 87,1

First Green Bank Eustis FL Bank 4,727,000 30,339,000 68,456,000 38,1

Florida Business BancGroup, Inc. Tampa FL Bank 15,360,000 98,486,000 111,304,000 12,8

Florida Community Bankshares, Inc. Ocala FL Bank 17,000,000 158,498,000 118,341,000 (40,15

Florida Shores Bancorp, Inc. Pompano Beach FL Bank 12,750,000 88,898,000 130,465,000 41,5

Florida Traditions Bank Dade City FL Bank 8,800,000 61,282,000 112,119,000 50,8Gulfstream Bancshares, Inc. Stuart FL Bank 7,500,000 283,018,000 246,394,000 (36,62

HomeBancorp, Inc. Tampa FL Bank 7,398,000 12,298,000 12,770,000 4

Jefferson Bank of Florida Oldsmar FL Bank 3,367,000 13,891,000 28,990,000 15,0

Marquis Bank Coral Gables FL Bank 3,500,000 11,273,000 29,632,000 18,3

Ovation Holdings, Inc. Naples FL Bank 5,000,000 22,467,000 31,590,000 9,1

Platinum Bank Holding Co. (Platinum Bank) Brandon FL Bank 13,800,000 166,747,000 179,604,000 12,8

Lowndes Bancshares, Inc. Valdosta GA Bank 6,000,000 47,099,000 57,540,000 10,4

Resurgens Bancorp Atlanta GA Bank 2,967,000 16,036,000 23,508,000 7,4

The Peoples Bank of Talbotton Talbotton GA Bank 890,000 5,943,000 9,239,000 3,2

Commercial Financial Corp Storm Lake IA Bank 18,000,000 225,000,000 248,175,000 23,1

Heartland Financial USA, Inc. Dubuque IA Bank 81,698,000 928,068,000 1,014,769,000 86,7

Liberty Financial Services, Inc. Sioux City IA Bank 7,000,000 67,782,000 79,722,000 11,9

Two Rivers Financial Group, Inc. Burlington IA Bank 23,240,000 154,246,000 170,890,000 16,6

D. L. Evans Bancorp Burley ID Bank 29,891,000 350,577,000 329,286,000 (21,29

Bancorp Financial, Inc. Oak Brook IL Bank 14,643,000 14,912,000 17,001,000 2,0

Community First Bancorp, Inc. Fairview Heights IL Bank 7,000,000 51,317,000 76,902,000 25,5

Community Illinois Corporation Rock Falls IL Bank 4,500,000 78,909,000 86,008,000 7,0

First Bankers Trustshares, Inc. Quincy IL Bank 10,000,000 143,475,000 175,298,000 31,8

First Busey Corporation Champaign IL Bank 72,664,000 555,684,000 463,097,000 (92,58

First Community Financial Corporation Elgin IL Bank 6,100,000 32,801,000 37,798,000 4,9

First Eldorado Bancshares, Inc. Eldorado IL Bank 3,000,000 41,312,000 52,930,000 11,6

First Robinson Financial Corporation Robinson IL Bank 4,900,000 34,824,000 52,682,000 17,8

Fisher Bancorp, Inc. Fisher IL Bank 750,000 15,062,000 18,162,000 3,1

Heartland Bancorp, Inc. Bloomington IL Bank 25,000,000 427,076,000 444,809,000 17,7

Illinois State Bancorp, Inc. Chicago IL Bank 13,368,000 60,188,000 84,488,000 24,3

Merchants and Manufacturers Bank Corporation Joliet IL Bank 6,800,000 57,289,000 64,850,000 7,5People First Bancshares, Inc. Pana IL Bank 9,198,000 113,773,000 138,670,000 24,8

Prime Banc Corp. Dieterich IL Bank 10,000,000 97,805,000 113,876,000 16,0

QCR Holdings, Inc. Moline IL Bank 29,867,000 456,477,000 387,671,000 (68,80

Signature Bancorporation, Inc. Chicago IL Bank 12,500,000 123,830,000 169,547,000 45,7

Southern Illinois Bancorp, Inc. Carmi IL Bank 9,000,000 91,179,000 130,422,000 39,2

Town and Country Financial Corporation Springfield IL Bank 5,000,000 91,149,000 115,032,000 23,8Tri‐County Financial Group, Inc. Mendota IL Bank 20,000,000 145,754,000 185,602,000 39,8

United Community Bancorp, Inc. Chatham IL Bank 22,262,000 260,010,000 270,582,000 10,5

AMB Financial Corp. Munster IN Bank 3,858,000 21,484,000 21,139,000 (34Community Bank Shares of Indiana, Inc. New Albany IN Bank 28,000,000 180,982,000 198,152,000 17,1First Merchants Corporation Muncie IN Bank 90,782,940 1,352,818,000 1,082,302,000 (270,51

First Savings Financial Group, Inc. Clarksville IN Bank 17,120,000 59,182,000 87,045,000 27,8

Horizon Bancorp Michigan City IN Bank 12,500,000 196,652,000 202,923,000 6,2

MutualFirst Financial, Inc. Muncie IN Bank 28,923,000 194,264,000 159,102,000 (35,16

Bern Bancshares, Inc. Bern KS Bank 1,500,000 23,043,000 22,723,000 (32
Name City State Baseline Level Current Level Increase (Decre

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

Brotherhood Bancshares, Inc. Kansas City KS Bank 16,000,000 55,235,000 37,594,000 (17,64

CB Bancshares Corp. Weir KS Bank 190,000 1,222,000 1,389,000 1

Equity Bancshares, Inc. Wichita KS Bank 16,372,000 123,362,000 158,292,000 34,9Farmers State Bankshares, Inc. Holton KS Bank 700,000 12,762,000 11,726,000 (1,03

Freedom Bancshares, Inc. Overland Park KS Bank 4,000,000 30,300,000 36,720,000 6,4

Osborne Investments, Inc. Osborne KS Bank 1,000,000 14,215,000 25,655,000 11,4

UBT Bancshares, Inc. Marysville KS Bank 16,500,000 152,851,000 193,705,000 40,8

FCB Bancorp, Inc. Louisville KY Bank 9,759,000 78,649,000 75,208,000 (3,44

Magnolia Bancshares Inc. Hodgenville KY Bank 2,000,000 30,631,000 30,125,000 (50

Community Trust Financial Corporation Ruston LA Bank 48,260,000 359,389,000 485,231,000 125,8

First Guaranty Bancshares, Inc. Hammond LA Bank 39,435,000 180,281,000 201,262,000 20,9

First NBC Bank Holding Company New Orleans LA Bank 37,935,000 369,836,000 466,819,000 96,9

MidSouth Bancorp, Inc. LaFayette LA Bank 32,000,000 296,962,000 324,700,000 27,7

Ouachita Bancshares Corp. Monroe LA Bank 17,930,000 141,052,000 181,983,000 40,9

Progressive Bancorp, Inc. Monroe LA Bank 12,000,000 104,482,000 116,435,000 11,9

Hyde Park Bancorp, Inc. Hyde Park MA Bank 18,724,000 3,143,000 10,370,000 7,2Island Bancorp, Inc. Edgartown MA Bank 4,000,000 23,581,000 33,901,000 10,3

Leader Bancorp, Inc. Arlington MA Bank 12,852,000 30,398,000 66,015,000 35,6

New England Bancorp, Inc. Hyannis MA Bank 4,000,000 37,165,000 50,774,000 13,6

Provident Bancorp, Inc. Amesbury MA Bank 17,145,000 84,302,000 110,688,000 26,3

Rockport National Bancorp, Inc. Rockport MA Bank 3,000,000 37,136,000 44,857,000 7,7

StonehamBank, A Co‐operative Bank Stoneham MA Bank 13,813,000 46,880,000 81,963,000 35,0

Eagle Bancorp, Inc. Bethesda MD Bank 56,600,000 413,330,000 611,170,000 197,8

Howard Bancorp, Inc. Ellicott City MD Bank 12,562,000 120,455,000 132,137,000 11,6

Monument Bank Bethesda MD Bank 11,355,000 34,983,000 47,551,000 12,5

Tri‐County Financial Corporation Waldorf MD Bank 20,000,000 244,812,000 277,784,000 32,9Katahdin Bankshares Corp. Houlton ME Bank 11,000,000 138,863,000 168,478,000 29,6

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Bank 4,621,000 33,793,000 48,225,000 14,4

Crestmark Bancorp, Inc. Troy MI Bank 8,250,000 198,199,000 334,071,000 135,8

Huron Valley State Bank Milford MI Bank 2,597,000 21,470,000 29,133,000 7,6Level One Bancorp, Inc. Farmington Hills MI Bank 11,301,000 94,054,000 139,280,000 45,2

Valley Financial Group, Ltd. Saginaw MI Bank 2,000,000 73,968,000 87,988,000 14,0

Financial Services of Winger, Inc. Fosston MN Bank 4,069,000 60,984,000 80,149,000 19,1

Heritage Bancshares Group, Inc. Willmar MN Bank 11,000,000 149,302,000 155,560,000 6,2

Kerkhoven Bancshares, Inc Kerkhoven MN Bank 1,500,000 22,526,000 29,771,000 7,2

McLeod Bancshares, Inc. Shorewood MN Bank 6,000,000 50,935,000 36,045,000 (14,89

MidWest Bancorporation, Inc. Eden Prairie MN Bank 5,115,000 71,915,000 86,813,000 14,8

Platinum Bancorp, Inc. Oakdale MN Bank 4,453,000 45,123,000 53,381,000 8,2

Redwood Financial, Inc. Redwood Falls MN Bank 6,425,000 42,115,000 43,007,000 8

Cardinal Bancorp II, Inc. Washington MO Bank 6,251,000 62,590,000 69,553,000 6,9

Fortune Financial Corporation Arnold MO Bank 3,255,000 46,918,000 40,832,000 (6,08

Great Southern Bancorp, Inc. Springfield MO Bank 57,943,000 201,374,000 284,272,000 82,8

Liberty Bancorp, Inc. Liberty MO Bank 16,169,000 81,757,000 99,636,000 17,8

Liberty Bancshares, Inc. Springfield MO Bank 22,995,000 305,465,000 245,017,000 (60,44

Security State Bancshares, Inc. Charleston MO Bank 22,000,000 177,012,000 202,408,000 25,3Southern Missouri Bancorp, Inc. Poplar Bluff MO Bank 20,000,000 188,556,000 225,301,000 36,7

The Landrum Company Columbia MO Bank 20,000,000 434,964,000 438,921,000 3,9

Triad Bancorp, Inc. Frontenac MO Bank 5,000,000 30,501,000 45,079,000 14,5

BankFirst Capital Corporation Macon MS Bank 20,000,000 172,824,000 172,516,000 (30

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS Bank 32,914,000 633,113,000 734,815,000 101,7
Name City State Baseline Level Current Level Increase (Decre

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

Bancorp of Montana Holding Company Missoula MT Bank 1,460,000 3,332,000 6,408,000 3,0

First Bancorp Troy NC Bank 63,500,000 493,414,000 554,121,000 60,7

Live Oak Bancshares, Inc. Wilmington NC Bank 6,800,000 53,679,000 122,779,000 69,1

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC Bank 20,500,000 118,154,000 163,092,000 44,9

Premara Financial, Inc. Charlotte NC Bank 6,238,000 49,075,000 49,677,000 6

Providence Bank Rocky Mount NC Bank 4,250,000 29,865,000 33,552,000 3,6

Select Bancorp, Inc. Greenville NC Bank 7,645,000 30,424,000 48,812,000 18,3

Union Bank & Trust Company Oxford NC Bank 6,200,000 38,662,000 45,892,000 7,2

Alerus Financial Corporation Grand Forks ND Bank 20,000,000 280,617,000 383,299,000 102,6

Western State Agency, Inc. Devils Lake ND Bank 12,000,000 147,079,000 197,358,000 50,2Adbanc Inc. Ogallala NE Bank 21,905,000 250,743,000 286,046,000 35,3

Banner County Ban Corporation Harrisburg NE Bank 2,427,000 50,318,000 67,625,000 17,3

First State Holding Co. (Wilber Co.) Lincoln NE Bank 12,000,000 135,053,000 156,640,000 21,5

The State Bank of Bartley Bartley NE Bank 2,380,000 27,944,000 32,649,000 4,7Centrix Bank & Trust Bedford NH Bank 24,500,000 234,642,000 315,013,000 80,3

First Colebrook Bancorp, Inc. Colebrook NH Bank 8,623,000 61,976,000 71,492,000 9,5

Guaranty Bancorp, Inc. Woodsville NH Bank 7,000,000 75,321,000 88,394,000 13,0

New Hampshire Thrift Bancshares, Inc. Newport NH Bank 20,000,000 113,698,000 154,112,000 40,4

Northway Financial, Inc. Berlin NH Bank 23,593,000 106,533,000 128,856,000 22,3

The Nashua Bank Nashua NH Bank 3,000,000 19,828,000 29,914,000 10,0

Center Bancorp, Inc. Union NJ Bank 11,250,000 230,584,000 250,550,000 19,9

Community Partners Bancorp Middletown NJ Bank 12,000,000 175,160,000 184,094,000 8,9

Crest Savings Bancorp, Inc. Wildwood NJ Bank 2,500,000 23,276,000 23,335,000 

Freedom Bank Oradell NJ Bank 4,000,000 32,445,000 50,990,000 18,5

Harmony Bank Jackson NJ Bank 3,500,000 10,984,000 41,021,000 30,0

Highlands Bancorp, Inc. Vernon NJ Bank 6,853,000 33,899,000 58,875,000 24,9

Hopewell Valley Community Bank Pennington NJ Bank 11,000,000 92,334,000 110,088,000 17,7

Regal Bank Livingston NJ Bank 7,000,000 25,872,000 42,337,000 16,4

Stewardship Financial Corporation Midland Park NJ Bank 15,000,000 207,925,000 216,373,000 8,4

Meadows Bank Las Vegas NV Bank 8,500,000 47,672,000 110,358,000 62,6

Alma Bank Astoria NY Bank 19,000,000 91,798,000 286,386,000 194,5

Catskill Hudson Bancorp, Inc. Rock Hill NY Bank 9,681,000 105,032,000 126,394,000 21,3

Greater Rochester Bancorp, Inc. Rochester NY Bank 7,000,000 58,822,000 99,323,000 40,5

Kinderhook Bank Corp. Kinderhook NY Bank 7,000,000 43,624,000 55,740,000 12,1

Pathfinder Bancorp, Inc. Oswego NY Bank 13,000,000 68,842,000 82,089,000 13,2

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Bank 5,000,000 18,957,000 32,722,000 13,7

The Elmira Savings Bank, FSB Elmira NY Bank 14,063,000 94,555,000 93,275,000 (1,28

Columbus First Bancorp, Inc Worthington OH Bank 6,150,000 36,629,000 53,937,000 17,3

Community Independent Bancorp Inc. West Salem OH Bank 2,250,000 12,020,000 17,066,000 5,0

Insight Bank Columbus OH Bank 4,250,000 16,410,000 31,743,000 15,3

AmeriBank Holding Company Collinsville OK Bank 5,347,000 33,172,000 38,573,000 5,4

Central Service Corporation Enid OK Bank 7,000,000 148,102,000 177,804,000 29,7F & M Bancorporation, Inc. Tulsa OK Bank 38,222,000 290,250,000 621,971,000 331,7

Prime Bank Group Edmond OK Bank 4,456,000 20,960,000 39,781,000 18,8

Regent Capital Corporation Nowata OK Bank 3,350,000 46,333,000 63,940,000 17,6

AmeriServ Financial, Inc. Johnstown PA Bank 21,000,000 116,684,000 146,097,000 29,4

CBT Financial Corp. Clearfield PA Bank 10,000,000 64,719,000 93,057,000 28,3

Centric Financial Corporation Harrisburg PA Bank 7,492,000 50,832,000 80,585,000 29,7

Codorus Valley Bancorp, Inc. York PA Bank 25,000,000 168,440,000 201,454,000 33,0

DNB Financial Corporation Downingtown PA Bank 13,000,000 107,588,000 130,873,000 23,2
Name City State Baseline Level Current Level Increase (Decre

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

Emclaire Financial Corp. Emlenton PA Bank 10,000,000 56,761,000 55,198,000 (1,56

Enterprise Financial Services Group, Inc. Allison Park PA Bank 5,000,000 85,598,000 90,343,000 4,7

First Resource Bank Exton PA Bank 5,083,000 33,001,000 40,384,000 7,3

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Bank 6,955,000 26,435,000 34,762,000 8,3

Jonestown Bank and Trust Company Jonestown PA Bank 4,000,000 40,820,000 58,998,000 18,1

MileStone Bank Doylestown PA Bank 5,100,000 46,778,000 85,729,000 38,9

Monument Bank Doylestown PA Bank 2,970,000 19,715,000 42,432,000 22,7

Penn Liberty Financial Corp. Wayne PA Bank 20,000,000 132,528,000 160,356,000 27,8

Phoenix Bancorp, Inc. Minersville PA Bank 3,500,000 26,347,000 37,032,000 10,6

Team Capital Bank Bethlehem PA Bank 22,412,000 123,354,000 168,562,000 45,2

The Victory Bancorp, Inc. Limerick PA Bank 3,431,000 26,315,000 49,249,000 22,9

Valley Green Bank Philadelphia PA Bank 5,000,000 23,968,000 68,268,000 44,3

York Traditions Bank York PA Bank 5,115,000 78,487,000 87,615,000 9,1

Carolina Alliance Bank Spartanburg SC Bank 5,000,000 65,737,000 90,711,000 24,9

GrandSouth Bancorporation Greenville SC Bank 15,422,000 92,718,000 111,630,000 18,9

TCB Corporation Greenwood SC Bank 8,640,000 56,579,000 67,906,000 11,3

BHCB Holding Company Rapid City SD Bank 2,000,000 33,830,000 51,201,000 17,3

Avenue Financial Holdings, Inc. Nashville TN Bank 18,950,000 74,788,000 116,010,000 41,2

CapitalMark Bank & Trust Chattanooga TN Bank 18,212,000 134,549,000 224,964,000 90,4

Carroll Financial Services, Inc. Huntingdon TN Bank 3,000,000 61,317,000 73,192,000 11,8

Community First Bancshares, Inc. Union City TN Bank 30,852,000 302,286,000 272,097,000 (30,18

Evolve Bancorp, Inc. Cordova TN Bank 4,699,000 19,101,000 48,686,000 29,5

Franklin Financial Network, Inc. Franklin TN Bank 10,000,000 18,547,000 29,199,000 10,6

Independent Holdings, Inc. Memphis TN Bank 34,900,000 44,702,000 62,874,000 18,1

InsCorp, Inc. Nashville TN Bank 3,000,000 27,512,000 39,126,000 11,6

Landmark Community Bank Collierville TN Bank 8,000,000 29,258,000 55,863,000 26,6

Magna Bank Memphis TN Bank 18,350,000 50,871,000 56,747,000 5,8

Merchants and Planters Bancshares, Inc. Bolivar TN Bank 2,000,000 19,097,000 24,244,000 5,1Moneytree Corporation Lenoir City TN Bank 9,992,000 69,543,000 75,828,000 6,2

Planters Financial Group, Inc. Clarksville TN Bank 20,000,000 150,609,000 164,583,000 13,9

Sequatchie Valley Bancshares, Inc. Dunlap TN Bank 5,000,000 43,802,000 24,001,000 (19,80SmartFinancial, Inc. Pigeon Forge TN Bank 12,000,000 28,645,000 58,917,000 30,2

Southern Heritage Bancshares, Inc. Cleveland TN Bank 5,105,000 58,099,000 64,545,000 6,4

Sumner Bank & Trust Gallatin TN Bank 4,264,000 27,039,000 30,381,000 3,3

AIM Bancshares, Inc. Levelland TX Bank 9,100,000 75,067,000 139,651,000 64,5

Algodon de Calidad Bancshares, Inc. Abilene TX Bank 600,000 6,159,000 9,513,000 3,3

BMC Bancshares, Inc. Dallas TX Bank 1,206,000 8,021,000 10,360,000 2,3BOH Holdings, Inc. Houston TX Bank 23,938,350 200,835,000 276,751,000 75,9

FB BanCorp San Antonio TX Bank 12,000,000 39,335,000 77,117,000 37,7

First Texas BHC, Inc. Fort Worth TX Bank 29,822,000 137,852,000 230,382,000 92,5

Frontier Bancshares, Inc. Austin TX Bank 6,184,000 63,497,000 121,894,000 58,3

FVNB Corp. Victoria TX Bank 18,000,000 588,173,000 693,111,000 104,9

Happy Bancshares, Inc. Amarillo TX Bank 31,929,000 436,374,000 585,323,000 148,9

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX Bank 114,068,000 1,001,408,000 1,097,689,000 96,2

Joaquin Bankshares Inc. Huntington TX Bank 3,908,000 40,722,000 50,481,000 9,7

Liberty Capital Bancshares, Inc. Addison TX Bank 1,500,000 16,656,000 41,963,000 25,3

McLaughlin Bancshares, Inc. Ralls TX Bank 6,600,000 47,152,000 75,910,000 28,7

Pioneer Bank, SSB Drippings Springs TX Bank 3,004,000 26,496,000 47,385,000 20,8

Southwestern Bancorp, Inc. Boerne TX Bank 1,500,000 22,454,000 25,078,000 2,6

Sovereign Bancshares, Inc. Dallas TX Bank 24,500,000 183,263,000 173,231,000 (10,03
Name City State Baseline Level Current Level Increase (Decre

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

Steele Holdings, Inc. Tyler TX Bank 8,282,000 31,142,000 50,705,000 19,5

The ANB Corporation Terrell TX Bank 37,000,000 402,694,000 472,802,000 70,1

Third Coast Bank SSB Humble TX Bank 8,673,000 57,861,000 127,513,000 69,6Veritex Holdings, Inc. Dallas TX Bank 8,000,000 100,919,000 173,372,000 72,4Cache Valley Banking Company Logan UT Bank 11,670,000 151,344,000 179,477,000 28,1

Continental Bancorporation Salt Lake City UT Bank 4,724,000 91,104,000 32,302,000 (58,80

LCA Bank Corporation Park City UT Bank 2,727,000 14,000 1,677,000 1,6

Medallion Bank Salt Lake City UT Bank 26,303,000 229,336,000 386,091,000 156,7

Blue Ridge Bankshares, Inc. Luray VA Bank 4,500,000 20,108,000 22,633,000 2,5

Citizens Community Bank South Hill VA Bank 4,000,000 38,520,000 42,979,000 4,4

Heritage Bankshares, Inc. Norfolk VA Bank 7,800,000 68,967,000 75,822,000 6,8

TowneBank Portsmouth VA Bank 76,458,000 814,570,000 941,810,000 127,2

United Financial Banking Companies, Inc. Vienna VA Bank 3,000,000 76,307,000 81,338,000 5,0

Virginia Heritage Bank Fairfax VA Bank 15,300,000 85,644,000 122,698,000 37,0

WashingtonFirst Bankshares, Inc. Reston VA Bank 17,796,000 112,615,000 167,011,000 54,3

Xenith Bankshares, Inc. Richmond VA Bank 8,381,000 82,147,000 160,399,000 78,2

Peoples Bancorp Lynden WA Bank 9,000,000 282,334,000 287,725,000 5,3

Puget Sound Bank Bellevue WA Bank 9,886,000 83,234,000 114,859,000 31,6

U&I Financial Corp Lynnwood WA Bank 5,500,000 39,884,000 52,538,000 12,6

W.T.B. Financial Corporation Spokane WA Bank 89,142,000 878,103,000 929,856,000 51,7

County Bancorp, Inc. Manitowoc WI Bank 15,000,000 379,555,000 441,208,000 61,6

Deerfield Financial Corporation Deerfield WI Bank 3,650,000 21,165,000 25,227,000 4,0

First American Investment, Inc. Hudson WI Bank 1,705,710 20,351,000 23,919,000 3,5

First Menasha Bancshares, Inc. Neenah WI Bank 10,000,000 67,613,000 75,409,000 7,7

Nicolet Bankshares, Inc. Green Bay WI Bank 24,400,000 239,970,000 241,109,000 1,1

Northern Bankshares, Inc. McFarland WI Bank 22,000,000 138,447,000 149,207,000 10,7

PFSB Bancorporation, Inc. Pigeon Falls WI Bank 1,500,000 25,044,000 26,601,000 1,5

Sword Financial Corporation Horicon WI Bank 17,000,000 192,167,000 215,535,000 23,3

First Bank of Charleston Charleston WV Bank 3,345,000 24,923,000 29,574,000 4,6

MVB Financial Corp. Fairmont WV Bank 8,500,000 53,681,000 89,350,000 35,6

Financial Security Corporation Basin WY Bank 5,000,000 67,715,000 84,005,000 16,2

California Coastal Rural Development Corporation Salinas CA CDLF 870,000 9,545,000 8,605,000 (94

Low Income Investment Fund San Francisco CA CDLF 7,490,000 26,595,000 50,625,000 24,0

OBDC Small Business Finance Oakland CA CDLF 219,000 2,473,000 4,305,000 1,8

Opportunity Fund Northern California San Jose CA CDLF 2,236,000 5,935,000 9,463,000 3,5

Rural Community Assistance Corporation West Sacramento CA CDLF 4,300,000 6,104,000 7,845,000 1,7

Valley Economic Development Center, Inc. Van Nuys CA CDLF 661,000 9,581,000 24,371,000 14,7Colorado Enterprise Fund, Inc. Denver CO CDLF 463,000 5,721,000 7,525,000 1,8

Greater New Haven Community Loan Fund New Haven CT CDLF 525,000 758,000 852,000 

Building Hope... A Charter School Facilities Fund Washington DC CDLF 2,091,000 23,190,000 32,740,000 9,5

Partners for the Common Good, Inc. Washington DC CDLF 1,009,000 4,888,000 6,405,000 1,5

Access to Capital for Entrepreneurs, Inc. (Appalachian Community Enterprises, Inc.) Cleveland GA CDLF 188,000 2,773,000 6,163,000 3,3

IFF Chicago IL CDLF 8,294,000 108,261,000 125,718,000 17,4

Community Ventures Corporation Lexington KY CDLF 1,045,000 3,451,000 5,863,000 2,4

Federation of Appalachian Housing Enterprises, Inc. Berea KY CDLF 2,063,000 4,137,000 5,914,000 1,7

Boston Community Loan Fund, Inc. Roxbury MA CDLF 4,410,000 11,378,000 20,244,000 8,8

Capital Link, Inc. Boston MA CDLF 198,000 1,420,000 3,008,000 1,5Common Capital, Inc. (The Western Massachusetts Enterprise Fund, Inc.) Holyoke MA CDLF 200,000 3,526,000 3,614,000 

Enterprise Community Loan Fund, Inc. Columbia MD CDLF 8,817,000 8,849,000 14,281,000 5,4

Coastal Enterprises, Inc. Wiscasset ME CDLF 2,316,000 17,640,000 18,794,000 1,1
Name City State Baseline Level Current Level Increase (Decre

over Baselin

Institution Qualified Small Business Lend

Bank or CDLF? SBLF Funding Outstanding

Community Reinvestment Fund, Inc. Minneapolis MN CDLF 5,100,000 43,655,000 33,743,000 (9,91

Midwest Minnesota Community Development Corporation Detroit Lakes MN CDLF 4,600,000 29,638,000 46,066,000 16,4

Nonprofits Assistance Fund Minneapolis MN CDLF 686,000 6,979,000 8,585,000 1,6

Montana Community Development Corporation Missoula MT CDLF 585,000 8,377,000 13,678,000 5,3Mountain BizCapital, Inc. Asheville NC CDLF 197,000 1,791,000 2,459,000 6

Nebraska Enterprise Fund Oakland NE CDLF 197,000 1,454,000 3,500,000 2,0

Community Loan Fund of the Capital Region, Inc. Albany NY CDLF 478,000 6,760,000 8,627,000 1,8

La Fuerza Unida Community Development Corporation East Norwich NY CDLF 42,000 86,000 474,000 3Leviticus 25:23 Alternative Fund, Inc. Elmsford NY CDLF 750,000 2,218,000 2,807,000 5

Primary Care Development Corporation New York NY CDLF 4,000,000 33,280,000 26,810,000 (6,47

Seedco Financial Services, Inc. New York NY CDLF 2,500,000 33,651,000 43,457,000 9,8

Economic and Community Development Institute, Inc. Columbus OH CDLF 203,000 2,728,000 5,671,000 2,9

Citizen Potawatomi Community Development Corporation Shawnee OK CDLF 490,000 6,505,000 10,800,000 4,2Bridgeway Capital, Inc. Pittsburgh PA CDLF 1,820,000 18,674,000 18,663,000 (1

Community First Fund Lancaster PA CDLF 862,000 11,002,000 11,569,000 5

Northside Community Development Fund Pittsburgh PA CDLF 250,000 2,190,000 3,022,000 8

The Progress Fund Greensburg PA CDLF 1,052,000 12,882,000 18,913,000 6,0The Reinvestment Fund, Inc. Philadelphia PA CDLF 11,708,000 113,268,000 104,578,000 (8,69

Charleston Citywide Local Development Corporation Charleston SC CDLF 1,000,000 1,799,000 3,491,000 1,6

Lowcountry Housing Trust, Incorporated North Charleston SC CDLF 392,000 96,000 329,000 2Northeast South Dakota Economic Corporation Sisseton SD CDLF 1,000,000 11,758,000 12,760,000 1,0

Rural Electric Economic Development, Inc. Madison SD CDLF 1,230,000 11,116,000 12,045,000 9

South Eastern Development Foundation Sioux Falls SD CDLF 240,000 2,486,000 3,622,000 1,1

CEN‐TEX Certified Development Corporation Austin TX CDLF 489,000 6,554,000 6,678,000 1

PeopleFund Austin TX CDLF 500,000 6,412,000 8,112,000 1,7

ECDC Enterprise Development Group Arlington VA CDLF 320,000 1,402,000 2,244,000 8

NCB Capital Impact Arlington VA CDLF 8,218,000 95,578,000 131,382,000 35,8

Vermont Community Loan Fund, Inc. Montpelier VT CDLF 1,247,000 12,787,000 16,061,000 3,2

Craft3 (ShoreBank Enterprise Group, Pacific) Ilwaco WA CDLF 1,867,000 24,108,000 29,554,000 5,4

Forward Community Investments, Inc. Madison WI CDLF 470,000 3,964,000 5,111,000 1,1

Impact Seven, Incorporated Almena WI CDLF 4,000,000 13,344,000 14,931,000 1,5

Wisconsin Women's Business Initiative Corporation Milwaukee WI CDLF 391,000 4,562,000 7,105,000 2,5
19

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

BANKS
Community Banks Participating in SBLF

Report on Information from 9/30/2012 Call Reports transmitted with January 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 1,077,504 126,083 110,777 6,105 15,249 258,213 163,312 135,777 

First Partners Bank (SouthCity Bank) Vestavia Hills AL South 166,641 34,442                  ‐ 6,394                      ‐ 40,837 39,221                  

9,101                

ServisFirst Bancshares, Inc. Birmingham AL South 2,762,798 440,705 209,801 25,580 22,243 698,328 865,283 530,350 4

Southern National Corporation Andalusia AL South 421,047 42,858 46,952 5,776 59,822 155,408 39,588 51,828 1

Southern States Bancshares, Inc. Anniston AL South 266,135 18,236                ‐ 18,732 943 37,910 38,111 44,302 

First Service Bancshares, Inc. Greenbrier AR South 217,141 20,458 31,269 6,055 16,417 74,199 12,038 19,912 

Liberty Bancshares, Inc. Jonesboro AR South 2,797,002 258,145 402,154 36,465 59,998 756,761 247,083 450,587 5

Rock Bancshares, Inc. Little Rock AR South 184,602 49,812                  ‐ 7,116 1,804 58,732 75,812                  

3,925 

Western Alliance Bancorporation Phoenix AZ West 7,236,418 550,987 1,063,943 186 4,343 1,619,459 931,965 1,331,332 

1st Enterprise Bank Los Angeles CA West 661,829 52,170                ‐ 35,416                      ‐ 87,586 130,241                

99,834                

Bank of Commerce Holdings Redding CA West 941,158 133,779 72,044 1,173 7,805 214,800 163,646 74,667 

California Bank of Commerce Lafayette CA West 341,032 60,775 13,291 390 1,632 76,087 121,545 34,027 

Capital Bank San Juan Capistrano CA West 130,800 13,838 11,346 98 295 25,575 8,648                

32,552 

Central Valley Community Bancorp Fresno CA West 886,891 82,216 110,907 18,420 41,356 252,898 65,799 109,231 4

Community Valley Bank El Centro CA West 95,227 11,352                  ‐ 2,293                      ‐ 13,645 11,334 21,478 

First California Financial Group, Inc. Westlake Village CA West 1,993,696 227,247 127,145 51 855 355,297 175,956              

167,134 

First Northern Community Bancorp Dixon CA West 805,565 88,431 116,575 30,680 22,480 258,166 81,147 99,490 2

First PacTrust Bancorp, Inc. Irvine CA West 1,351,383 553                  ‐ 8,525                      ‐ 9,077 19,079              

182,143                

FNB Bancorp South San Francisco CA West 897,683 67,974 69,468 0 5,118 142,560 58,827                

69,226 

Founders Bancorp San Luis Obispo CA West 128,361 24,400                ‐ 11,516 2,218 38,133 22,058                

27,182 

GBC Holdings, Inc. Los Angeles CA West 452,675 48,872                ‐ 64,652 468 113,992 85,489 93,724                

Oak Valley Bancorp Oakdale CA West 627,765 36,927 91,868 10,876 18,272 157,944 35,397 97,014 

Pacific Coast Bankers' Bancshares San Francisco CA West 665,765 10,701                ‐ 35,168                      ‐ 45,869 19,176                

23,645                

Partners Bank of California Mission Viejo CA West 122,941 40,849                ‐ 13,880                      ‐ 54,729 45,283                

14,497                

ProAmerica (Promerica Bank) Los Angeles CA West 146,046 18,665                ‐ 28,650                      ‐ 47,315 16,200                

45,071                

Redwood Capital Bancorp Eureka CA West 246,393 16,119 28,172 120 2,899 47,311 12,885 39,651 

Seacoast Commerce Bank Chula Vista CA West 160,954 12,916                ‐ 42,691 456 56,063 4,350              

106,952 

Security California Bancorp Riverside CA West 485,013 112,334                ‐ 67,475                      ‐ 179,809 120,565                

85,817 

Silvergate Capital Corporation La Jolla CA West 630,008 3,408                  ‐ 6,233                      ‐ 9,641 3,331                

10,179                

Summit State Bank Santa Rosa CA West 429,722 40,612 33,151 2,405 24,934 101,101 36,940 39,727 

The Bank of Santa Barbara Santa Barbara CA West 118,999 11,319                  ‐ 9,943 1,514 22,776 37,846                

21,189                

The Private Bank of California Los Angeles CA West 685,073 70,098                ‐ 16,855                      ‐ 86,953 118,302                

36,961                

CIC Bancshares, Inc. Denver CO West 403,856 1,433                        ‐ 21                      ‐ 1,454 47,579                

54,240 

CoBiz Financial Inc. Denver CO West 2,522,453 464,781 390,528 5,703 2,295 863,306 503,193 418,756 

Columbine Capital Corp. Buena Vista CO West 237,526 22,300 16,986 221 893 40,399 39,611 36,303 

Morgan Capital Corporation Fort Morgan CO West 125,277 13,330 6,289 4,169 3,950 27,738 18,574 6,061 

Steele Street Bank Corporation Denver CO West 430,875 34,832                ‐ 32,612                      ‐ 67,443 42,230                

60,288                

Verus Acquisition Group, Inc. Fort Collins CO West 257,220 14,365 45,134 88 7,204 66,792 20,627                

78,957 

BNC Financial Group, Inc. New Canaan CT Northeast 579,902 3,378                ‐ 24,882                      ‐ 28,259 36,605                

75,058                

Salisbury Bancorp, Inc. Lakeville CT Northeast 611,027 23,290 49,853 402 5,666 79,211 27,480 65,581 

SBT Bancorp, Inc. Simsbury CT Northeast 368,709 14,128                ‐ 21,168                      ‐ 35,295 12,767                

31,730                

Community Bank Delaware Lewes DE South 142,109 6,962 20,018 574 1,175 28,729 4,878 32,548 

Bank of Central Florida Lakeland FL South 292,569 29,147                ‐ 27,541                      ‐ 56,688 45,106                

49,000                

Broward Financial Holdings, Inc. Fort Lauderdale FL South 129,023                ‐ 14,234                      ‐                      ‐ 14,234 17,830                

28,261                

CBOS Bankshares, Inc. Merritt Island FL South 132,883 5,742                ‐ 40,542                      ‐ 46,283 5,163                

29,361                

Community Southern Bank Lakeland FL South 205,219 13,773 15,059 813 115 29,759 24,078 23,306 

FineMark Holdings, Inc. Fort Myers FL South 502,490 12,141 15,375                     ‐ 112 27,628 25,444                

29,259                

First Federal Bancorp, Inc. Lake City FL South 1,042,405 27,255                ‐ 53,717                      ‐ 80,972 98,241 47,135 

Institution

Region Total Assets 

Q3 2012

Baseline Business

Lending

Baseline Lending
Name City State Commercial & Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricul

Produc

Institution

Region Total Assets 

Q3 2012

Baseline Business

Lending

Baseline Lending

First Green Bank Eustis FL South 196,275 6,491                ‐ 23,716 133 30,339 10,867                

57,279 

Florida Business BancGroup, Inc. Tampa FL South 606,604 41,885                ‐ 46,924                      ‐ 88,809 29,629                

89,466 

Florida Community Bankshares, Inc. Ocala FL South 550,840 29,777 56,970 8,266 68,740 163,752 17,586 41,234 

Florida Shores Bancorp, Inc. Pompano Beach FL South 526,284 35,523                ‐ 38,461                      ‐ 73,983 41,853                

87,462 

Florida Traditions Bank Dade City FL South 257,276 30,449 24,910 299 5,624 61,282 43,792 53,350 

Gulfstream Bancshares, Inc. Stuart FL South 533,180 123,553              ‐ 159,465                      ‐ 283,018 103,759              

138,110                

HomeBancorp, Inc. Tampa FL South 520,677 3,043                ‐ 10,343                      ‐ 13,385 1,763                

12,824                

Jefferson Bank of Florida Oldsmar FL South 161,483 9,021                  ‐ 4,870                      ‐ 13,891 15,879                

11,184                

Marquis Bank Coral Gables FL South 158,222 1,427                  ‐ 9,846                      ‐ 11,273 12,031                

18,681                

Ovation Holdings, Inc. Naples FL South 242,010 1,684                  ‐ 8,013                      ‐ 9,698 2,987                

28,665                

Platinum Bank Holding Co. (Platinum Bank) Brandon FL South 390,502 57,110 95,349 222 10,816 163,496 67,519 94,486 

Lowndes Bancshares, Inc. Valdosta GA South 210,854 10,135                ‐ 38,874                      ‐ 49,009 15,011                

39,374 

Resurgens Bancorp Atlanta GA South 86,512 8,251                  ‐ 4,870 1,965 15,086 11,883                  

9,753 

The Peoples Bank of Talbotton Talbotton GA South 33,293 647                  ‐ 3,191 2,106 5,943 1,314 3,698 

Commercial Financial Corp Storm Lake IA Midwest 458,653 128,275 39,538 38,076 22,656 228,545 123,313 46,724 6

Heartland Financial USA, Inc. Dubuque IA Midwest 4,606,955 453,188 485,865 80,290 194,060 1,213,402 716,739 510,854 11

Liberty Financial Services, Inc. Sioux City IA Midwest 254,280 36,186 17,912 4,466 5,574 64,138 38,112 25,942 

Two Rivers Financial Group, Inc. Burlington IA Midwest 668,472 114,756 65,269 13,984 20,410 214,418 107,360 60,960 1

D. L. Evans Bancorp Burley ID West 958,085 69,464 158,111 107,881 60,654 396,108 73,181 144,300 8

Bancorp Financial, Inc. Oak Brook IL Midwest 440,432 5,790                  ‐ 9,122                      ‐ 14,912 8,979                  

7,897                

Community First Bancorp, Inc. Fairview Heights IL Midwest 201,920 23,850                ‐ 23,424 7,233 54,507 40,046                

35,492 

Community Illinois Corporation Rock Falls IL Midwest 249,149 29,250 10,821 16,703 22,134 78,909 26,446 19,273 1

First Bankers Trustshares, Inc. Quincy IL Midwest 819,688 34,554 53,147 20,504 20,851 129,056 45,731 83,855 2

First Busey Corporation Champaign IL Midwest 3,481,570 313,814 356,714 38,356 57,626 766,509 298,174 292,176 2

First Community Financial Corporation Elgin IL Midwest 168,939 6,337                ‐ 26,075 582 32,993 8,096                

29,381 

First Eldorado Bancshares, Inc. Eldorado IL Midwest 248,199                  ‐ 7,789 7,887 25,857 41,533 18,358 2,393 

First Robinson Financial Corporation Robinson IL Midwest 217,070 14,280 7,658 3,957 8,804 34,699 14,386 24,163 

Fisher Bancorp, Inc. Fisher IL Midwest 88,828 4,244 6,329 2,457 2,741 15,770 3,354 6,741 

Heartland Bancorp, Inc. Bloomington IL Midwest 2,053,544 189,580 219,980 36,243 38,855 484,658 184,603 270,024 3

Illinois State Bancorp, Inc. Chicago IL Midwest 355,921 21,057                ‐ 38,971 160 60,188 22,001                

55,132 

Merchants and Manufacturers Bank Corporation Joliet IL Midwest 162,843 35,038                ‐ 20,722                      ‐ 55,760 46,987                

20,852 

People First Bancshares, Inc. Pana IL Midwest 295,332 48,975 9,408 48,716 13,254 120,352 63,127 15,091 7

Prime Banc Corp. Dieterich IL Midwest 507,492 21,310 6,268 9,480 22,344 59,401 28,297 51,788 1

QCR Holdings, Inc. Moline IL Midwest 2,031,806 331,888 157,873 59 4,915 494,735 286,164 185,106 

Signature Bancorporation, Inc. Chicago IL Midwest 340,480 88,196                ‐ 37,019                      ‐ 125,214 140,264                

36,523                

Southern Illinois Bancorp, Inc. Carmi IL Midwest 371,790 37,465 17,420 18,888 21,392 95,164 49,667 39,758 2

Town and Country Financial Corporation Springfield IL Midwest 461,107 34,830 59,359 6,536 5,550 106,274 40,488 81,061 

Tri‐County Financial Group, Inc. Mendota IL Midwest 943,757 23,912 24,883 30,134 35,679 114,608 47,694 42,448 3

United Community Bancorp, Inc. Chatham IL Midwest 1,289,987 98,783 95,660 47,661 74,408 316,511 111,429 93,818 5

AMB Financial Corp. Munster IN Midwest 178,050 7,638                ‐ 14,191                      ‐ 21,829 5,772                

15,000                

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 803,412 87,840 88,791 690 4,709 182,030 94,987 94,184 

First Merchants Corporation Muncie IN Midwest 4,230,249 673,225 515,331 115,882 147,472 1,451,909 592,517 431,654 10

First Savings Financial Group, Inc. Clarksville IN Midwest 636,939 26,351                ‐ 39,403                      ‐ 65,754 28,264 54,302 

Horizon Bancorp Michigan City IN Midwest 1,844,517 63,712 84,200 3,279 7,424 158,615 77,129 126,906 

MutualFirst Financial, Inc. Muncie IN Midwest 1,472,010 71,501              ‐ 108,819                      ‐ 180,319 53,069 97,444 

Bern Bancshares, Inc. Bern KS Midwest 80,696 4,671 46 14,941 3,145 22,803 2,710 512 1

Brotherhood Bancshares, Inc. Kansas City KS Midwest 568,453 42,681                ‐ 28,067 3,673 74,420 16,168                

21,629 

CB Bancshares Corp. Weir KS Midwest 12,083                     ‐ 819 263 299 1,382                     ‐ 351 

Equity Bancshares, Inc. Wichita KS Midwest 699,800 72,242 44,546 7,028 5,075 128,891 97,812 61,794 Farmers State Bankshares, Inc. Holton KS Midwest 56,748 4,518 20 3,835 4,697 13,070 1,557 1,775 

Freedom Bancshares, Inc. Overland Park KS Midwest 133,998 17,081                ‐ 18,667                      ‐ 35,748 25,509                

20,127                

Osborne Investments, Inc. Osborne KS Midwest 59,473 1,549 451 9,025 4,697 15,722 4,339 1,232 1

UBT Bancshares, Inc. Marysville KS Midwest 526,312 41,004 27,943 44,044 63,137 176,128 46,766 18,322 5

FCB Bancorp, Inc. Louisville KY South 478,934 27,761                ‐ 54,823 56 82,640 21,039                

54,000                

Magnolia Bancshares Inc. Hodgenville KY South 136,561 6,246 10,176 2,066 14,930 33,419 6,393 15,070 
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 

Q3 2012

Baseline Business

Lending

Baseline Lending

Community Trust Financial Corporation Ruston LA South 2,857,726 294,044 150,315 1,480 24,990 470,828 858,358 254,283 

First Guaranty Bancshares, Inc. Hammond LA South 1,360,559 85,481 82,769 17,727 12,111 198,087 87,390 123,687 2

First NBC Bank Holding Company New Orleans LA South 2,511,298 288,580              ‐ 212,783 261 501,625 582,802              

341,347 

MidSouth Bancorp, Inc. LaFayette LA South 1,428,255 185,803 126,929 6,367 3,019 322,119 258,339 168,980 

Ouachita Bancshares Corp. Monroe LA South 622,018 47,682 73,761 14,288 9,163 144,892 59,362 95,432 1

Progressive Bancorp, Inc. Monroe LA South 450,584 54,604 42,050 1,671 7,976 106,300 47,467 44,253 

Hyde Park Bancorp, Inc. Hyde Park MA Northeast 1,162,671 1,142                     ‐ 542                      ‐ 1,684 23,023                  

7,475                

Island Bancorp, Inc. Edgartown MA Northeast 145,960 2,672                ‐ 20,909                      ‐ 23,581 4,098                

29,827                

Leader Bancorp, Inc. Arlington MA Northeast 589,833 7,075                ‐ 24,647                      ‐ 31,722 22,728                

54,702                

New England Bancorp, Inc. Hyannis MA Northeast 181,327 9,707                ‐ 19,019                      ‐ 28,726 24,964                

30,588                

Provident Bancorp, Inc. Amesbury MA Northeast 567,388 17,487                ‐ 70,118 93 87,697 51,655                

75,094 

Rockport National Bancorp, Inc. Rockport MA Northeast 188,259 9,222                ‐ 29,422                      ‐ 38,643 9,461                

36,787                

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 447,231 22,466                ‐ 24,415                      ‐ 46,880 34,069                

47,894                

Eagle Bancorp, Inc. Bethesda MD South 2,965,334 325,046              ‐ 122,093                      ‐ 447,140 588,456              

235,407 

Howard Bancorp, Inc. Ellicott City MD South 367,824 91,705                ‐ 41,681 794 134,180 84,732                

55,373 

Monument Bank Bethesda MD South 389,488 20,990                ‐ 12,522 576 34,088 24,396                

24,390 

Tri‐County Financial Corporation Waldorf MD South 978,393 121,233              ‐ 137,607                      ‐ 258,840 103,304              

187,473                

Katahdin Bankshares Corp. Houlton ME Northeast 576,521 95,319 50,102 3,312 2,706 151,438 115,451 59,523 

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 147,933 15,987                ‐ 17,807                      ‐ 33,793 23,176                

25,070                

Crestmark Bancorp, Inc. Troy MI Midwest 407,097 153,006                  ‐ 1,470                      ‐ 154,475 344,177                  

3,172                

Huron Valley State Bank Milford MI Midwest 74,394 5,648                ‐ 16,506 191 22,345 8,091                

22,119 

Level One Bancorp, Inc. Farmington Hills MI Midwest 506,319 39,110                ‐ 24,606                      ‐ 63,716 110,957                

54,986                

Valley Financial Group, Ltd. Saginaw MI Midwest 178,765 38,248                ‐ 36,190 90 74,528 49,300                

39,968 

Financial Services of Winger, Inc. Fosston MN Midwest 132,279 19,628 7,190 25,894 21,040 73,751 22,030 12,479 3

Heritage Bancshares Group, Inc. Willmar MN Midwest 430,030 59,801 32,540 48,486 28,555 169,382 60,574 21,076 5

Kerkhoven Bancshares, Inc Kerkhoven MN Midwest 54,045 4,668 9,381 3,475 7,114 24,637 8,364 15,477 

McLeod Bancshares, Inc. Shorewood MN Midwest 392,243 23,330 3,763 5,618 2,780 35,490 11,924 16,135 

MidWest Bancorporation, Inc. Eden Prairie MN Midwest 210,493 35,697                ‐ 18,909                      ‐ 54,606 17,937 11,793 2

Platinum Bancorp, Inc. Oakdale MN Midwest 153,390 19,145                ‐ 27,015 573 46,733 31,166                

26,598 

Redwood Financial, Inc. Redwood Falls MN Midwest 198,648 24,855                ‐ 31,378                      ‐ 56,233 14,965 20,059 1

Cardinal Bancorp II, Inc. Washington MO Midwest 283,444 34,752 29,431 190 5,482 69,855 41,267 31,376 

Fortune Financial Corporation Arnold MO Midwest 145,279 24,461                ‐ 23,534 370 48,366 18,834                

24,109                

Great Southern Bancorp, Inc. Springfield MO Midwest 4,059,140 138,613 136,926 4,079 21,896 301,514 210,815 100,970 

Liberty Bancorp, Inc. Liberty MO Midwest 414,581 23,445                ‐ 53,499                      ‐ 76,944 43,205                

60,101 

Liberty Bancshares, Inc. Springfield MO Midwest 1,030,090 115,140 161,708 5,205 63,339 345,391 105,702 181,271 

Security State Bancshares, Inc. Charleston MO Midwest 647,246 56,094 57,781 30,314 49,925 194,113 55,087 60,458 4

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 736,413 52,833 42,934 28,817 26,753 151,336 71,557 78,211 5

The Landrum Company Columbia MO Midwest 1,719,785 134,266 183,524 27,453 93,726 438,969 126,049 205,971 2

Triad Bancorp, Inc. Frontenac MO Midwest 204,427 15,530                ‐ 16,895 820 33,245 23,037                

30,625 

BankFirst Capital Corporation Macon MS South 742,814 58,754 75,633 9,765 42,941 187,093 70,197 79,030 

Cadence Financial Corporation (Encore Bancshares, Inc.) Starkville MS South 5,417,693 390,730 469,509 9,668 19,435 889,341 1,266,958 289,445 

Bancorp of Montana Holding Company Missoula MT West 41,927 1,208                  ‐ 1,994 444 3,646 6,068                  

4,337 

First Bancorp Troy NC South 3,321,908 140,198 279,520 7,734 36,485 463,938 138,540 359,915 

Live Oak Bancshares, Inc. Wilmington NC South 320,748 27,794                ‐ 73,668                      ‐ 101,462 79,441              

109,071                

Park Sterling Corporation (Citizens South Banking Corporation) Charlotte NC South 938,239 44,956              ‐ 101,614                      ‐ 146,570 45,399 130,872 

Premara Financial, Inc. Charlotte NC South 240,147 15,263                ‐ 23,523                      ‐ 38,786 17,203                

39,989 

Providence Bank Rocky Mount NC South 190,268 14,547 12,644 780 826 28,797 15,590 14,530 

Select Bancorp, Inc. Greenville NC South 249,912 18,588                  ‐ 9,146 1,726 29,459 20,370                

20,171 

Union Bank & Trust Company Oxford NC South 205,179 19,991 15,549 10 3,112 38,662 14,381 22,971 

Alerus Financial Corporation Grand Forks ND Midwest 1,212,062 180,756 65,037 33,489 10,852 290,134 244,399 126,480 3

Western State Agency, Inc. Devils Lake ND Midwest 543,949 97,220 32,153 14,569 6,955 150,896 151,853 19,054 1

Adbanc Inc. Ogallala NE Midwest 532,048 69,479 59,439 77,060 51,676 257,654 77,330 62,642 9

Banner County Ban Corporation Harrisburg NE Midwest 105,305 8,633 2,981 30,815 15,368 57,797 8,609 6,124 3

First State Holding Co. (Wilber Co.) Lincoln NE Midwest 380,353 40,835 24,786 25,570 36,985 128,176 48,283 29,828 3

The State Bank of Bartley Bartley NE Midwest 81,179 13,050 4,465 8,672 2,035 28,221 14,174 5,865 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 

Q3 2012

Baseline Business

Lending

Baseline Lending

Centrix Bank & Trust Bedford NH Northeast 820,071 105,188              ‐ 145,314                      ‐ 250,502 142,994              

188,572                

First Colebrook Bancorp, Inc. Colebrook NH Northeast 245,086 25,654 42,281 569 82 68,585 32,134 45,212 

Guaranty Bancorp, Inc. Woodsville NH Northeast 375,754 37,136 48,710 454 1,988 88,288 36,729 56,534 

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,114,742 57,064                ‐ 80,606                      ‐ 137,670 42,275 115,631 

Northway Financial, Inc. Berlin NH Northeast 859,328 44,870                ‐ 67,422                      ‐ 112,292 82,206                

58,859                

The Nashua Bank Nashua NH Northeast 121,272 6,602                ‐ 13,756                      ‐ 20,358 11,125                

21,493                

Center Bancorp, Inc. Union NJ Northeast 1,611,230 106,353              ‐ 113,588                      ‐ 219,941 158,460                

99,002                

Community Partners Bancorp Middletown NJ Northeast 705,079 48,487              ‐ 135,572 204 184,262 46,621              

144,556 

Crest Savings Bancorp, Inc. Wildwood NJ Northeast 400,935 3,201                ‐ 17,693                      ‐ 20,894 3,672                

19,663                

Freedom Bank Oradell NJ Northeast 167,483 14,905                ‐ 17,540                      ‐ 32,445 9,520                

40,109                

Harmony Bank Jackson NJ Northeast 143,105 929                  ‐ 9,059 1,000 10,988 3,899                

35,720 

Highlands Bancorp, Inc. Vernon NJ Northeast 187,362 16,612                ‐ 17,780 777 35,168 21,434                

37,113 

Hopewell Valley Community Bank Pennington NJ Northeast 441,764 9,885                ‐ 76,725 876 87,485 12,277                

99,734 

Regal Bank Livingston NJ Northeast 253,548 1,682                ‐ 24,190                      ‐ 25,872 5,049                

37,288                

Stewardship Financial Corporation Midland Park NJ Northeast 682,261 48,805              ‐ 156,337 1,053 206,195 32,846              

168,637 

Meadows Bank Las Vegas NV West 303,513 29,330                ‐ 21,164                      ‐ 50,495 79,655                

42,779                

Alma Bank Astoria NY Northeast 863,704 66,760                ‐ 25,038                      ‐ 91,798 181,313              

134,709                

Catskill Hudson Bancorp, Inc. Rock Hill NY Northeast 393,087 42,715 54,456 277 1,075 98,522 47,560 78,398 

Greater Rochester Bancorp, Inc. Rochester NY Northeast 334,818 43,466                ‐ 17,134 1,736 62,336 75,173                

36,193 

Kinderhook Bank Corp. Kinderhook NY Northeast 316,479 18,911 19,028 58 2,330 40,328 28,531 30,852 

Pathfinder Bancorp, Inc. Oswego NY Northeast 533,372 25,983                ‐ 48,698 786 75,467 34,393                

56,090 

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY Northeast 262,728 6,963                  ‐ 9,127                      ‐ 16,090 14,206 13,887 

The Elmira Savings Bank, FSB Elmira NY Northeast 534,256 36,668                ‐ 58,685                      ‐ 95,353 28,488                

65,617                

Columbus First Bancorp, Inc Worthington OH Midwest 231,100 19,279                ‐ 15,132                      ‐ 34,411 25,385                

28,563 

Community Independent Bancorp Inc. West Salem OH Midwest 88,241 2,587 5,795 133 3,505 12,020 2,806 9,496 

Insight Bank Columbus OH Midwest 180,090 3,205                ‐ 10,876                      ‐ 14,080 10,617                

21,126                

AmeriBank Holding Company Collinsville OK South 141,407 19,843 9,416 1,590 2,324 33,172 24,112 6,743 

Central Service Corporation Enid OK South 590,957 43,994 23,240 43,232 38,675 149,140 68,380 27,149 4

F & M Bancorporation, Inc. Tulsa OK South 2,211,024 382,607 142,344 17 955 525,922 943,984 224,445 

Prime Bank Group Edmond OK South 161,337 7,722 10,116 53 1,742 19,632 24,295 23,294 

Regent Capital Corporation Nowata OK South 175,310 24,582 17,779 3,616 9,416 55,394 38,944 23,028 

AmeriServ Financial, Inc. Johnstown PA Northeast 973,313 92,509                ‐ 62,972 178 155,659 107,956                

85,519 

CBT Financial Corp. Clearfield PA Northeast 411,628 34,922 32,578 1,037 6,580 75,117 46,235 29,829 

Centric Financial Corporation Harrisburg PA Northeast 289,741 16,476 31,487 193 1,397 49,553 31,141 47,869 

Codorus Valley Bancorp, Inc. York PA Northeast 1,061,462 46,618 104,503 1,653 24,703 177,476 76,070 119,418 

DNB Financial Corporation Downingtown PA Northeast 627,533 38,960                ‐ 73,668 10,878 123,505 57,112                

89,624 

Emclaire Financial Corp. Emlenton PA Northeast 529,072 33,244                ‐ 25,924                      ‐ 59,168 32,236 25,196 Enterprise Financial Services Group, Inc. Allison Park PA Northeast 257,872 37,394                ‐ 75,423 424 113,241 42,762                

89,472 

First Resource Bank Exton PA Northeast 146,764 11,395                ‐ 19,652 1,119 32,165 12,158                

26,882 

Franklin Security Bancorp, Inc. Wilkes‐Barre PA Northeast 225,125 18,122                  ‐ 7,022                      ‐ 25,143 25,220                

17,758                

Jonestown Bank and Trust Company Jonestown PA Northeast 395,641 6,880 29,539 11 4,390 40,820 11,604 40,446 

MileStone Bank Doylestown PA Northeast 183,937 17,161                ‐ 29,937                      ‐ 47,098 46,864                

46,275                

Monument Bank Doylestown PA Northeast 203,805 1,478                ‐ 17,409 828 19,715 966                

40,683 

Penn Liberty Financial Corp. Wayne PA Northeast 541,547 58,496                ‐ 84,723                      ‐ 143,218 69,818              

108,421                

Phoenix Bancorp, Inc. Minersville PA Northeast 135,358 5,262                  ‐ 4,097                      ‐ 9,359 11,480                

25,159 

Team Capital Bank Bethlehem PA Northeast 912,417 58,221                ‐ 58,748                      ‐ 116,969 67,571              

101,720 

The Victory Bancorp, Inc. Limerick PA Northeast 121,864 13,913                  ‐ 8,245 1,757 23,916 31,324                

17,980 

Valley Green Bank Philadelphia PA Northeast 279,742 10,485                ‐ 12,990                      ‐ 23,475 33,165                

34,752                

York Traditions Bank York PA Northeast 274,440 48,533                ‐ 27,986 2,156 78,674 48,617                

43,897 

Carolina Alliance Bank Spartanburg SC South 246,561 29,943                ‐ 34,965 830 65,737 37,285                

52,175 

GrandSouth Bancorporation Greenville SC South 381,463 49,299 43,148 114 3,454 96,015 54,423 47,740 

TCB Corporation Greenwood SC South 317,067 16,375                ‐ 40,863 1,056 58,294 18,084                

46,235 

BHCB Holding Company Rapid City SD Midwest 117,000 11,260 16,312 1,696 1,627 30,895 14,312 34,832 

Avenue Financial Holdings, Inc. Nashville TN South 686,737 92,450                ‐ 29,501                      ‐ 121,950 127,668                

40,792                

CapitalMark Bank & Trust Chattanooga TN South 760,683 88,680                ‐ 45,869                      ‐ 134,549 141,329                

82,525 
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 

Q3 2012

Baseline Business

Lending

Baseline Lending

Carroll Financial Services, Inc. Huntingdon TN South 260,717 7,921 34,549 4,141 14,441 61,052 11,487 40,019 

Community First Bancshares, Inc. Union City TN South 1,725,257 102,278 165,597 16,329 35,772 319,976 113,148 150,300 1

Evolve Bancorp, Inc. Cordova TN South 261,670 8,239 5,161 2,211 3,490 19,101 15,997 22,498 1

Franklin Financial Network, Inc. Franklin TN South 516,077 10,261 9,123 823 149 20,356 20,824 8,603 

Independent Holdings, Inc. Memphis TN South 799,651 39,655                ‐ 11,109 1,474 52,238 50,513                

16,694 

InsCorp, Inc. Nashville TN South 171,731 11,667                  ‐ 8,603 765 21,034 20,489                

20,930 

Landmark Community Bank Collierville TN South 405,715 17,728 11,183 94 263 29,268 38,286                

17,031                

Magna Bank Memphis TN South 488,255 24,492                ‐ 17,032                      ‐ 41,524 55,429 17,423                

Merchants and Planters Bancshares, Inc. Bolivar TN South 93,139 5,479 10,527 361 2,730 19,097 5,556 15,732 

Moneytree Corporation Lenoir City TN South 391,997 35,050 32,806 61 1,627 69,543 22,642                

50,515 

Planters Financial Group, Inc. Clarksville TN South 691,304 59,970 67,388 12,733 34,238 174,327 72,994 90,054 1

Sequatchie Valley Bancshares, Inc. Dunlap TN South 582,332 2,685 34,739 770 6,525 44,719 1,619 13,024 

SmartFinancial, Inc. Pigeon Forge TN South 338,769 21,736                ‐ 14,293 1,139 37,167 32,056                

31,132 

Southern Heritage Bancshares, Inc. Cleveland TN South 233,611 26,826 30,355 33 1,077 58,290 21,093 42,294                

Sumner Bank & Trust Gallatin TN South 168,964 12,075 15,701 43 694 28,512 11,393 19,646 

AIM Bancshares, Inc. Levelland TX South 346,287 39,299 14,585 13,262 6,874 74,020 82,311 34,189 2

Algodon de Calidad Bancshares, Inc. Abilene TX South 27,840                     ‐ 825 3,741 1,747 6,313                  ‐ 1,691 

BMC Bancshares, Inc. Dallas TX South 55,281 765 2,514 825 223 4,326 1,132 9,367                

BOH Holdings, Inc. Houston TX South 834,651 127,907                ‐ 69,441                      ‐ 197,348 192,754              

131,959 

FB BanCorp San Antonio TX South 590,605 99,765                  ‐ 2,480                      ‐ 102,244 76,884 2,602                

3

First Texas BHC, Inc. Fort Worth TX South 1,043,630 85,806 71,371 110 2,229 159,515 174,638 101,895 

Frontier Bancshares, Inc. Austin TX South 342,448 25,056 29,742 851 6,814 62,462 49,400 72,753 

FVNB Corp. Victoria TX South 2,056,935 256,962 185,801 102,406 86,398 631,567 293,363 238,619 9

Happy Bancshares, Inc. Amarillo TX South 1,962,934 201,680 93,384 130,663 51,686 477,414 267,807 125,966 28

Hilltop Holdings, Inc. (PlainsCapital Corporation) Dallas TX South 6,332,774 1,018,142 363,288 60,432 61,652 1,503,514 1,199,602 456,849 3

Joaquin Bankshares Inc. Huntington TX South 120,741 14,762 13,696 1,602 13,014 43,074 31,164 11,577 Liberty Capital Bancshares, Inc. Addison TX South 106,004 9,008                  ‐ 5,927 1,722 16,657 31,076                

10,887                

McLaughlin Bancshares, Inc. Ralls TX South 215,503 18,912 4,166 29,426 3,706 56,210 29,733 10,858 4

Pioneer Bank, SSB Drippings Springs TX South 185,363 7,439                  ‐ 8,987 1,142 17,568 22,404 24,632 

Southwestern Bancorp, Inc. Boerne TX South 104,107 5,487 12,617 2,545 1,837 22,486 7,589 14,309 

Sovereign Bancshares, Inc. Dallas TX South 941,495 196,282                ‐ 22,060 918 219,260 246,805                

34,829 

Steele Holdings, Inc. Tyler TX South 241,418 14,649 15,060 427 1,007 31,142 24,464 28,965 

The ANB Corporation Terrell TX South 2,277,163 142,877 265,405 6,732 22,473 437,487 115,484 380,889 

Third Coast Bank SSB Humble TX South 236,143 33,954                ‐ 30,443                      ‐ 64,397 79,282                

44,023 

Veritex Holdings, Inc. Dallas TX South 504,195 24,303                ‐ 14,187 1,151 39,641 105,213                

61,781 

Cache Valley Banking Company Logan UT West 521,372 33,786 39,918 9,516 16,242 99,462 53,636 91,709 1

Continental Bancorporation Salt Lake City UT West 106,887 44,446                ‐ 12,863                      ‐ 57,309 28,922 9,710 

LCA Bank Corporation Park City UT West 72,404                     ‐ 136                      ‐                      ‐ 136                  ‐ 2,262                      

               

Medallion Bank Salt Lake City UT West 700,856              ‐ 234,859                      ‐                      ‐ 234,859              ‐ 391,591                      

               

Blue Ridge Bankshares, Inc. Luray VA South 210,822 4,225 15,593 159 2,442 22,419 7,570 13,442 

Citizens Community Bank South Hill VA South 163,799 18,419 16,605 251 3,246 38,520 12,661 25,976 

Heritage Bankshares, Inc. Norfolk VA South 310,747 29,431                ‐ 36,330                      ‐ 65,761 23,306                

52,616                

TowneBank Portsmouth VA South 4,318,310 302,054 531,494 675 6,389 840,612 343,746 680,640 

United Financial Banking Companies, Inc. Vienna VA South 339,924 17,679                ‐ 59,243                      ‐ 76,922 18,687                

64,101                

Virginia Heritage Bank Fairfax VA South 731,455 39,167                ‐ 50,228                      ‐ 89,395 29,981              

107,200 

WashingtonFirst Bankshares, Inc. Reston VA South 595,600 60,171 13,644 117 3,240 77,172 89,675                

77,575 

Xenith Bankshares, Inc. Richmond VA South 557,215 14,641                ‐ 19,095 593 34,328 109,364 52,433 

Peoples Bancorp Lynden WA West 1,235,586 74,665 143,418 30,294 58,705 307,082 79,214 161,925 3

Puget Sound Bank Bellevue WA West 264,665 49,945                ‐ 28,866                      ‐ 78,810 79,839                

40,625 

U&I Financial Corp Lynnwood WA West 173,349 8,950                ‐ 34,994                      ‐ 43,943 10,438                

43,165                

W.T.B. Financial Corporation Spokane WA West 4,283,611 726,366 358,143 80,131 37,049 1,201,688 691,332 389,447 18

County Bancorp, Inc. Manitowoc WI Midwest 728,180 44,238 63,411 118,072 171,649 397,369 48,165 54,608 15

Deerfield Financial Corporation Deerfield WI Midwest 105,318 15,306 116 4,065 1,820 21,306 10,826 7,884 

First American Investment, Inc. Hudson WI Midwest 92,025 4,014 15,043                     ‐ 163 19,220 5,046 21,305 

First Menasha Bancshares, Inc. Neenah WI Midwest 326,931 51,762 29,044 6 519 81,331 55,531 39,009 
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 

Q3 2012

Baseline Business

Lending

Baseline Lending

Nicolet Bankshares, Inc. Green Bay WI Midwest 666,226 129,397 137,477 41 2,935 269,850 179,117 105,585 

Northern Bankshares, Inc. McFarland WI Midwest 440,776 26,290 62,897 1,313 15,949 106,449 27,497              

111,645 

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 66,271 3,710 8,995 6,075 11,414 30,194 3,777 6,291 

Sword Financial Corporation Horicon WI Midwest 515,457 63,172 127,299 10,132 21,004 221,607 63,018 127,596 1

First Bank of Charleston Charleston WV South 199,842 23,426                  ‐ 1,497                      ‐ 24,923 26,308                  

2,768                

MVB Financial Corp. Fairmont WV South 613,295 15,650                ‐ 38,312                      ‐ 53,962 28,602                

63,997                

Financial Security Corporation Basin WY West 304,340 26,934 10,943 18,648 17,218 73,742 33,057 17,287 2