2015 U.S. Bank Small Business Annual Survey

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1 2015 U.S. Bank Small Annual Survey May 6, 2015 This information is not intended to be a forecast of future events or guarantee of future results. It is not intended to serve as a recommendation or solicitation for the purchase or sale of any particular product or service. It does not constitute advice and is provided without regard to any particular objective or financial situation. Credit products are subject to normal credit approval. Other conditions may apply. Deposit products offered by U.S. Bank National Association. Member FDIC.

2 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles About the Survey BACKGROUND The sixth annual U.S. Bank Small Survey monitors the attitudes, perceptions and outlook of small business owners across our 25 state national footprint. The survey was conducted by Market Probe via an online sample in January 2015 among 3,202 small business owners with less than $10 million in annual revenue. METHODOLOGY To facilitate differences in select U.S. Bank markets, the study was conducted in two phases. The first phase was comprised of 1,000 national responses to serve as a baseline across U.S. Bank s 25 state footprint. The second phase represented an over-sample of 2,202 state level interviews in the following 11 markets: Arizona Northern California Southern California Colorado Illinois Minnesota Missouri Ohio Oregon Washington Wisconsin Quotas were set to allow for no more than 5 with greater or less than $200,000 in revenue. Green or red indicators are used throughout the study to identify statistically significant variance to national or prior year results at 95% confidence. OR NCA SCA WA AZ CO MN MO WI IL OH 2

3 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles Key Findings ECONOMIC OUTLOOK Owners most upbeat about the economy in last 6 years HEALTHCARE LEGISLATION Owners turning the corner on attitude towards healthcare BUSINESS CONDITIONS es stronger today than anytime in this decade LEVERAGING TECHNOLOGY Mobile and social media now an established part of overall delivery BUSINESS CHALLENGES Economic uncertainty starting to take a backseat to other concerns BANKING RELATIONSHIP Owners expect personalization, transparency and simplicity 3

4 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Owners most upbeat about the economy in last 6 years Leveraging Technology Banking Relationship Market Profiles Our Expert s Insight Do you believe the U.S. economy is in a recession? Andy Cecere Chief Operating Officer U.S. Bancorp The economy is gaining momentum and we are starting to see optimism rise among small businesses. There is tremendous potential in that optimism. Small businesses are critical to the health of our economy. As their bankers, we are always advocating for them and looking for ways to help them expand and grow." % 78% 71% 43% 34% = Statistically significant change to prior year result at 95% confidence. 4

5 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles More see the economy starting to expand again Our Expert s Insight What is the current state of the U.S. economy? Recession Recovery Expansion Unsure Ted Biggs Senior Vice President Small West Mgr. It s a good sign that significantly more small business owners believe the economy is expanding. When we see that number increase to 30 or 40 percent expansion, then we will see robust new hiring and additional borrowing. Right now we are still in the beginning stage of that happening % 43% 57% 52% 1 1% 1 4% 1 = Statistically significant change to prior year result at 95% confidence. 5

6 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles Their future outlook on the economy is even brighter Our Expert s Insight What state will the U.S. economy be in at this time next year? Recession Recovery Expansion Unsure John Elmore Vice Chairman Branch Channel & Delivery Small business owners are generally optimistic but to see 64 percent report that they feel the economy will be in expansion or recovery next year is a really good sign % 41% 17% 16% 16% 17% = Statistically significant change to prior year result at 95% confidence. 6

7 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Regional differences persist around views of local economic health Market Profiles Our Expert s Insight Percent who say conditions for small businesses are stronger in their state than the rest of the country Higher than national Lower than national Similar to national Kent Stone Vice Chairman Small Banking Sales Support There are definitely regional differences across the country. We see some parallels to state unemployment rates where unemployment is high, sentiment is low. Other regional factors such as the drought in California could be playing a role in sentiment as well. 41% 11% 33% 2 11% 61% 49% 2 4% 12% National Footprint 3 2 = Statistically significant change to national sample at 95% confidence. 7

8 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Owners have strongest outlook this decade about adding staff Banking Relationship Market Profiles Our Expert s Insight How do you expect your staff to change over the next 12 months? Increase Remain the same Decrease Ted Biggs Senior Vice President Small West Mgr. A quarter of small businesses state that they are expecting to add staff in the next 12 months. However, they also note that the cost of labor is on the rise, which could be impacting these results. Notably, as their personal finances improve, their business outlook improves as well % 22% 2 16% 2 74% 7 79% 74% 69% 9% 7% 5% 5% 6% 6% = Statistically significant change to prior year result at 95% confidence. 8

9 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Three out of four now say their business is financially strong Banking Relationship Market Profiles Our Expert s Insight How would you describe the financial health of your business? Strong* Fair Poor Julie Huston Executive Vice President Small Segment Like any business that goes through a downturn, they have done the right things to survive. Many are strong but remain cautious. The question is, what will make them abandon caution? The opportunity for expansion doesn t yet outweigh the risk % 64% 69% 67% 7 76% 27% 28% 27% 24% 2 9% 9% 6% 7% 6% 4% * Represents answers of Good, Very Good or Excellent. = Statistically significant change to prior year result at 95% confidence. 9

10 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Owners are reporting more stable revenue over the prior year Banking Relationship Market Profiles Our Expert s Insight How has your business revenue changed compared to this time last year? Higher About the same Lower Ted Biggs Senior Vice President Small West Mgr. Revenue has stabilized, and in some cases is growing. We see that especially among microbusinesses or those businesses that are under $1 million in sales. The smaller businesses are healthy and growing as a customer base % 29% 3 28% 31% 38% 4 43% 42% 52% 36% 31% 29% 28% 2 = Statistically significant change to prior year result at 95% confidence. 10

11 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles Owners borrowing money is at a 6-year low Our Expert s Insight Have you borrowed money or tried to borrow money for business purposes in the last 6 months? Yes Unknown* No Ross Carey Executive Vice President West Division Manger We continue to see a lot of customers with cash on hand. Once we see the deposits dropping it will be a good sign that they are growing by using their capital first, and then they will use our capital % 13% 8% 2% 1% 5% 2% 1% 2% 79% 78% 79% 85% 86% 86% * Includes respondents who declined to answer. = Statistically significant change to prior year result at 95% confidence. 11

12 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology but those who did borrow money say it s never been easier Banking Relationship Market Profiles Our Expert s Insight How would you describe your business ability to borrow money? Easy Unsure Difficult Steve SaLoutos Executive Vice President Midwest Division Manger There is certainly more competition today, which means businesses are being presented with a lot of new opportunities. Unfortunately, it also means riskier products are back in the market, which is something we counsel our customers to recognize and avoid % 36% 44% 49% 52% 65% 1% 2% 1% 6 64% 1% 51% 55% 48% 33% * Asked only of those who tried to borrow money in the last 6 months. = Statistically significant change to prior year result at 95% confidence. 12

13 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship and they re more likely to make capital expenditures in the coming year Market Profiles Our Expert s Insight How likely are you to make capital expenditures to expand your business in the next year? Likely Unsure Unlikely Julie Huston Executive Vice President Small Segment Small business owners are focused on their business. Our job is to know their goals, and more importantly know what s coming such as the possible benchmark rate increases this year so they can make informed decisions about when to replace aging equipment or refinance a loan % 3 32% 28% 29% 34% 4% 5% 5% 5% 5% 11% 68% 65% 63% 67% 67% 55% = Statistically significant change to prior year result at 95% confidence. 13

14 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Competition, healthcare and labor costs on the rise as biggest challenge Market Profiles Our Expert s Insight What is the most significant challenge facing your business today? Top Challenges Steve SaLoutos Executive Vice President Midwest Division Manger The economy loomed as a concern for so long, now we re seeing diversification in their concerns. The state of the economy is still important, but increasingly, small business owners are concerned about what any business is concerned about in a healthy economy competition for customers and managing their costs. Economic Uncertainty 3 17% Competition From Large es 1 11% 16% Government Regulations/Red Tape 14% 14% 13% Healthcare Costs 5% 8% 12% Poor Sales 12% 1 Taxes 12% 9% 1 Cost of Labor 2% 4% 9% = Statistically significant change to prior year result at 95% confidence. 14

15 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Over half now positive or neutral on long-term impact of legislation Banking Relationship Market Profiles Our Expert s Insight What do you think the long-term impact of the Affordable Care Act will be on your small business? Positive Neither/Unsure Negative Ross Carey Executive Vice President West Division Manger This is a telling year for healthcare and it will be an interesting topic to watch. The next year to 18 months, as mandates take full effect, will tell us the true impact of healthcare laws on small businesses % 23% % 55% 57% % 47% = Statistically significant change to prior year result at 95% confidence. 15

16 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Owners split on whether the legislation has resulted in premium hikes Market Profiles Our Expert s Insight What impact has the Affordable Care Act had on your business health insurance premiums? Jeff Parker Senior Vice President Small Segment owners have managed to the changes, whether raising healthcare costs for employees, delaying or cancelling investments or decreasing forecasted new hires. Time will tell whether the impact will be long-lasting. No Impact Lower Premiums 7% Higher Premiums 49% 16

17 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Mobile and social media now an established part of overall delivery Market Profiles Top ways they re integrating mobile technology into their business strategy: Accessing bank accounts Accessing social media Making payments Accepting payments Depositing checks Offering a mobile friendly site Using mobile apps designed to organize and help manage their business Using text alerts for marketing products, services and promotions M O B I L E have integrated a mobile solution into their overall business strategy S O C I A L M E D I A 67% maintain a social media presence to make connections, find talent or market their business 17

18 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Personalization, transparency and simplicity among top expectations Market Profiles Our Expert s Insight What are the top 5 most important things you expect from your business bank? Top 5 Expectations John Elmore Vice Chairman Branch Channel & Delivery We are more than lenders. We are bankers and our role as bankers is to get as close to the small business clients as possible. They want us to relate to them in a simple transparent way, and to be with them for the long haul through the good times and bad. 1. Knows me and my business 2. Offers services that help me efficiently manage my financial transactions 3. Deals in a transparent, straight-forward manner 4. Adjusts to meet my individual needs 5. Simplifies fee structure 18

19 Survey Overview Economic Outlook Conditions Challenges Healthcare Legislation Leveraging Technology Banking Relationship Market Profiles Arizona Northern California Southern California Colorado Illinois Minnesota Missouri Ohio Oregon Washington Wisconsin 19

20 Arizona Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Arizona 28% 59% 5% 9% 6 7% 13% 44% 17% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Arizona National (No significant reasons cited) % 23% 31% 38% 4 33% 32% 32% Reasons for feeling worse about conditions in state % 42% 3 State is not friendly to business (unspecified) 51% 11% 43% 7% 31% 28% 3 3% 11% HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive 10 Neither/Unsure Negative Lower Premiums 5% 1. Offers services that help me to efficiently manage my financial transactions 22% 17% 17% 2. Knows me and my business 16% 22% 2 23% 3. Deals in a transparent, straight-forward manner Higher Premiums 5 48% No Impact 4. Adjusts to meet my individual needs 48% 67% 57% 61% 57% 59% 5. Simplifies fee structure = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Arizona market with less than $10 million in annual revenue.

21 Arizona Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Arizona National 5 73% 69% 63% 61% 52% 64% 69% 67% 7 76% % 17% 17% 22% 2 16% % 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 46% 44% 5 41% % % 31% 23% 31% 49% 46% 41% 42% 39% % 12% 9% 2 13% 13% 8% % 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Arizona market with less than $10 million in annual revenue.

22 Northern California Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 No. California 28% 56% 7% 1 14% 58% 13% 14% 43% 24% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Northern California National Sales/spending is up or increase in demand 10 16% 17% 22% 28% 5 39% 34% 29% 29% 3 23% % 33% Reasons for feeling worse about conditions in state 3 Taxes are higher 56% 54% 52% 42% 39% 37% 11% 12% 5% 33% 32% 32% 3 Too many regulations More expensive to do business in state (higher cost of living/ labor costs/etc.) HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive 10 Neither/Unsure Negative Lower Premiums 9% 1. Deals in a transparent, straight-forward manner 2. Simplifies fee structure 32% 29% 31% 28% 32% 3. Offers services that help me to efficiently manage my 5 23% 27% 33% 27% 29% Higher Premiums 38% 48% No Impact 43% financial transactions 4. Provides quality responses to requests 5. Adjusts to meet my individual needs 46% 41% 4 46% 3 = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Northern California market with less than $10 million in annual revenue.

23 Northern California Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Northern California National 5 74% 76% 59% 62% 65% 64% 64% 64% 69% 67% 7 76% 3 23% 24% 17% 13% 17% 22% 2 16% % 32% 28% 24% 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 42% 44% % 34% 3 27% 37% 33% 46% 49% 46% 41% 42% 39% 13% 9% 12% 14% 11% 2 13% 13% 8% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Northern California market with less than $10 million in annual revenue.

24 Southern California Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 So. California 33% 57% 3% 9% 63% 6% 13% 46% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Southern California National Sales/spending is up or increase in demand % 13% 16% Nothing/things just better/growing 22% 28% 5 27% 22% 31% 27% 38% 63% 65% 63% 53% 52% 34% 3 33% 32% 32% % 14% 8% 4% 7% Reasons for feeling worse about conditions in state Taxes are higher Too many regulations More expensive to do business in state (higher cost of living/ labor costs/etc.) HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Offers services that help me to efficiently manage my 10 1 financial transactions 5 34% 29% 41% 23% 34% 48% 22% 22% 23% 23% 56% 56% 35% 38% Higher Premiums 4 No Impact 5 2. Deals in a transparent, straight-forward manner 3. Provides quality responses to requests 4. Adjusts to meet my individual needs 5. Simplifies fee structure = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Southern California market with less than $10 million in annual revenue.

25 Southern California Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Southern California National 5 59% 68% 65% 64% 65% 56% 64% 64% 69% 67% 7 76% 3 27% 17% 2 14% 16% 17% 17% 22% 2 16% % 27% 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 42% 46% 44% 42% % 49% 46% 41% 42% 39% 3 23% 17% 1 6% 2 13% 13% 8% 3 31% 31% 28% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Southern California market with less than $10 million in annual revenue.

26 Colorado Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Colorado 32% 53% 8% 9% 16% 57% 16% 12% 34% 28% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Colorado National More businesses are growing/staying afloat rather than closing 10 61% Nothing/things just better/growing 38% 47% Housing and construction markets are up or more stable 51% 46% 6 52% 57% 47% 47% 68% 38% 5 3 Reasons for feeling worse about conditions in state 49% 3 46% (No significant reasons cited) 43% 46% 33% 27% 8% 13% 33% 32% 32% 3 7% 9% 11% 6% HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive 10 Neither/Unsure Negative Lower Premiums 8% 1. Offers services that help me to efficiently manage my financial transactions 33% 27% Knows me and my business 36% 14% 3. Deals in a transparent, straight-forward manner 24% Higher Premiums 5 37% No Impact 4. Provides quality responses to requests 56% 6 61% 65% 61% 5. Simplifies fee structure 47% 41% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Colorado market with less than $10 million in annual revenue.

27 Colorado Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent % 71% 71% 66% 72% 8 Expect to increase the number of people working for them over the next 12 months % 22% 23% 29% Report higher revenue this year compared to last year % 28% 33% 31% 3 Page 2 of 2 Colorado National 33% 64% 64% 69% 67% 7 76% 17% 22% 2 16% 2 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year % 47% 5 46% 51% 47% 46% 49% 46% 41% 42% 39% Borrowed money or tried to borrow money for business purposes over the last 6 months % 17% 17% 13% 6% 2 13% 13% 8% Likely to make a capital expenditure to expand their business in the next year % 35% 33% 31% 36% 33% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Colorado market with less than $10 million in annual revenue.

28 Illinois Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Illinois 36% 53% 2% 1 27% 54% 4% 16% 23% 44% 14% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Illinois National (No significant reasons cited) 10 8% 7% 4% % 31% 29% 28% 29% 5 63% 63% 67% 63% 62% 33% 32% 32% 3 8% 3% 1% 4% 4% Reasons for feeling worse about conditions in state 3 Taxes are higher Poor government planning or budgeting HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive 10 Neither/Unsure Negative Lower Premiums 6% 1. Offers services that help me to efficiently manage my financial transactions 27% 2 23% 2. Knows me and my business 23% 2 3. Adjusts to meet my individual needs 3 Higher Premiums 5 52% No Impact 4. Simplifies fee structure 43% 59% 53% 54% 54% 48% 5. Deals in a transparent, straight-forward manner = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Illinois market with less than $10 million in annual revenue.

29 Illinois Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Illinois National 5 65% 63% 6 66% 66% 3 22% 2 17% 3 31% 28% 24% 3 24% 64% 69% 67% 7 76% % 2 16% % 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 4 38% 37% 34% 49% 46% 41% 42% 39% % 17% 11% 9% 2 13% 13% 8% % 3 29% 24% 23% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Illinois market with less than $10 million in annual revenue.

30 Minnesota Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Minnesota 54% 6% 17% 11% 63% 9% 1 39% 24% 29% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Minnesota National Lower unemployment/higher wages % 42% 44% 46% 52% 5 47% 44% 42% 43% 31% 41% 3 34% 4 46% 5 59% 49% Reasons for feeling worse about conditions in state Taxes are higher 16% 11% 1 33% 32% 32% 3 HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Deals in a transparent, straight-forward manner 10 8% 2. Knows me and my business 22% 33% 3 22% 29% 27% 5 24% 16% 22% 32% Higher Premiums 47% No Impact 46% 3. Adjusts to meet my individual needs 4. Provides quality responses to requests 42% 48% 55% 52% 56% 42% 5. Offers services that help me to efficiently manage my financial transactions = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 200 small business owners in the Minnesota market with less than $10 million in annual revenue.

31 Minnesota Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent % 68% 72% 66% 78% 79% Expect to increase the number of people working for them over the next 12 months % 17% 2 2 Report higher revenue this year compared to last year % 33% 31% 32% 33% Page 2 of 2 Minnesota National 28% 64% 64% 69% 67% 7 76% 17% 22% 2 16% 2 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 48% 46% 4 41% 46% 49% 46% 41% 42% 39% % 2 13% 13% 8% % 34% 29% % 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 200 small business owners in the Minnesota market with less than $10 million in annual revenue.

32 Missouri Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Missouri 37% 49% 4% 11% 27% 54% 5% 2 39% 24% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Missouri National (No significant reasons cited) % 23% 24% 2 24% % 54% 53% 61% 55% 3 Reasons for feeling worse about conditions in state (No significant reasons cited) 12% 14% 12% 7% 27% 29% 23% 2 33% 32% 32% 3 HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Knows me and my business 10 6% 17% 17% 2. Adjusts to meet my individual needs 33% 24% 3. Deals in a transparent, straight-forward manner 5 17% 49% 62% 64% 64% 6 62% Higher Premiums 58% No Impact 37% 4. Offers services that help me to efficiently manage my financial transactions 5. Provides quality responses to requests = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Missouri market with less than $10 million in annual revenue.

33 Missouri Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Missouri National 5 64% 61% 7 62% % 23% 24% 3 22% 31% 24% 32% 24% 64% 64% 69% 67% 7 76% 17% 22% 2 16% 2 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 48% 47% 41% 4 36% 46% 49% 46% 41% 42% 39% % 11% 9% 2 13% 13% 8% % 34% 34% 29% 28% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Missouri market with less than $10 million in annual revenue.

34 Ohio Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Ohio 35% 54% 3% 9% 23% 48% 11% 39% 16% 27% National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Ohio National (No significant reasons cited) % 7% 12% 2 28% 29% 37% 48% 49% 33% Reasons for feeling worse about conditions in state 48% 27% % 49% 2 (No significant reasons cited) 14% 56% 44% 39% 32% 2% 5% 7% 2 22% 32% 32% 3 HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive 10 Neither/Unsure Negative Lower Premiums 9% 1. Knows me and my business 17% 17% 2. Deals in a transparent, straight-forward manner 5 24% 62% 65% 66% 63% 58% 54% Higher Premiums 47% No Impact 3. Offers services that help me to efficiently manage my financial transactions 4. Simplifies fee structure 5. Adjusts to meet my individual needs = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Ohio market with less than $10 million in annual revenue.

35 Ohio Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Ohio National 5 72% 68% 66% 68% 59% 61% 64% 64% 69% 67% 7 76% 3 23% 23% 2 13% 17% 22% 2 16% % 24% 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 43% % 49% 46% 41% 42% 39% 3 24% 16% 14% 14% % 13% 8% 3 31% 31% 31% 28% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Ohio market with less than $10 million in annual revenue.

36 Oregon Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Oregon 33% 5 3% 14% 22% 62% 8% 9% 41% 2 National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Oregon National (No significant reasons cited) % 14% 16% 16% 5 34% 28% 56% 59% 37% 5 43% 42% 51% 39% 33% 41% 3 33% 32% 32% 3 11% 11% 5% 4% 5% 6% Reasons for feeling worse about conditions in state Too many regulations HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Offers services that help me to efficiently manage my 10 11% financial transactions 5 32% 24% 3 24% % Higher Premiums 38% 2. Provides quality responses to requests 3. Deals in a transparent, straight-forward manner 4. Knows me and my business 49% 55% 52% 55% 5 52% No Impact 52% 5. Simplifies fee structure = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Oregon market with less than $10 million in annual revenue.

37 Oregon Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent % 62% 65% 62% 77% 72% 64% 64% 69% 67% 7 76% Expect to increase the number of people working for them over the next 12 months % 29% 14% 14% 17% 22% 2 16% 2 Report higher revenue this year compared to last year % % Oregon National 36% 29% 29% 3 28% Page 2 of 2 Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year % 43% 41% 43% 46% 31% % 35% 35% 31% 3 46% 49% 46% 41% 42% 39% 16% 17% 13% 13% 9% 2 13% 13% 8% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Oregon market with less than $10 million in annual revenue.

38 Washington Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Washington 29% 53% 5% 14% 57% 9% 16% 44% 22% 2 National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Washington National Area shielded from the recession by strong local industry % 29% 3 44% % 37% 41% 29% 29% Reasons for feeling worse about conditions in state 5 44% 3 Taxes are higher 43% 46% 41% 44% 42% 23% 28% 24% 17% 33% 32% 32% 3 HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Deals in a transparent, straight-forward manner 10 7% 2. Simplifies fee structure 24% 27% 36% 3 3. Offers services that help me to efficiently manage my 22% Higher Premiums 24% 43% financial transactions 28% 5 22% 4. Provides quality responses to requests No Impact 53% 6 54% 5. Knows me and my business 42% 46% 46% 51% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Washington market with less than $10 million in annual revenue.

39 Washington Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Washington National 5 69% 7 63% 62% 57% 64% 64% 69% 67% 7 76% 3 23% 2 13% 17% 22% 2 16% % 3 29% 24% 29% 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year 6 53% 5 47% 41% 43% % % 29% 27% 29% 46% 49% 46% 41% 42% 39% 17% 17% 13% 7% 2 13% 13% 8% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Washington market with less than $10 million in annual revenue.

40 Wisconsin Market Profile NATIONAL ECONOMIC OUTLOOK Recession Recovery Expansion Unsure Last Year (2014) This Year (2015) Next Year (2016) Page 1 of 2 Wisconsin 36% 46% 6% 13% 17% 59% 7% 17% 17% 4 National 34% 52% 4% 1 57% 1 STATE ECONOMIC OUTLOOK How conditions in state compare to rest of country Percent who say state is stronger than U.S. economy overall Reasons for feeling better about conditions in state Better Same Worse Wisconsin National Better government planning or budgeting % 27% 34% 38% 37% 3 38% 33% 3 Reasons for feeling worse about conditions in state 28% 5 43% 3 23% Poor government planning or budgeting 44% 42% 41% 2 5 9% 28% 23% 2 23% 28% 33% 32% 32% 3 HEALTHCARE LEGISLATION BANKING RELATIONSHIP Long-term impact of Affordable Care Act on small business Impact of legislation on business health insurance premiums Top 5 expectations from their business bank Positive Neither/Unsure Negative Lower Premiums 1. Knows me and my business 10 8% 5 17% 23% 17% 22% % Higher Premiums 39% 2. Offers services that help me to efficiently manage my financial transactions 3. Deals in a transparent, straight-forward manner 4. Adjusts to meet my individual needs 62% 58% 64% 57% 59% 48% No Impact 54% 5. Makes money more available (e.g. loans, business credit cards, cash flow in crisis, etc.) = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Wisconsin market with less than $10 million in annual revenue.

41 Wisconsin Market Profile BUSINESS CONDITIONS Financial Health Hiring Annual Revenue Last 12 Months Describe the financial health of their business as good, very good or excellent 10 Expect to increase the number of people working for them over the next 12 months 6 Report higher revenue this year compared to last year 6 Page 2 of 2 Wisconsin National 5 58% 7 66% 64% 71% % 23% 23% 3 39% 32% 31% 29% 64% 64% 69% 67% 7 76% 17% 22% 2 16% 2 29% 29% 3 28% Forecasted Revenue Next 12 Months Borrow Money Capital Expenditures Expect revenue to be higher at this time next year Borrowed money or tried to borrow money for business purposes over the last 6 months Likely to make a capital expenditure to expand their business in the next year 6 54% % 46% 47% % 3 29% 29% 27% 14% 13% 46% 49% 46% 41% 42% 39% 2 13% 13% 8% 28% 3 32% 28% 29% 34% = Statistically significant change to prior year or national result at 95% confidence. The sixth annual U.S. Bank Small Survey was conducted in January 2015 among 1,000 national small business owners across U.S. Bank s 25-state footprint and 196 small business owners in the Wisconsin market with less than $10 million in annual revenue.

42 Survey Demographics Years in 1-2 years 12% 3-4 years 12% 5-9 years 14% years 20 or more years 42% Number of Employees Sole proprietors 22% 2-4 employees 23% 5-19 employees employees 9% employees 5% 100 or more employees 22% Annual Revenue Less than $100,000 39% $100,000-$499,000 27% $500,000-$999,000 9% $1.0-$4.9 million 14% $5.0 million or more 11% Type of Personal Services 23% All Other Hospitality 11% Sales 1 Financial Services 1 Large Trades 9% Consulting 8% Computer Technology 5% Marketing 4% Small Trades 3% Agricultural/Farming 3% Military Service No Military Service 89% Military Veterans 11% Employment Type 10 Part-Time 7% More Part-Time than Full-Time 23% More Full-Time than Part-Time 42% 10 Full-Time 28% Location Suburban Urban 32% Rural 23% Age years 27% years years years 65 years and over 9% Gender Male 49% Female 51% Race* White 89% Asian 6% Hispanic 4% African American 3% Other 3% * Multiple responses allowed. Other includes American Indian and Native Hawaiian or Pacific Islander. Percentages net of refusals to answer and blank responses; datasets not totaling 10 are due to rounding.

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