Small Business Lending in the United States 2012

Transcription

1 Office of Advocacy wwwsbagov/advocacy Small Business Lending in the United States 22 Office of Advocacy US Small Business Administration July 23

2 Created by Congress in 976, the Office of Advocacy of the US Small Business Administration (SBA) is an independent voice for small business within the federal government Appointed by the President and confirmed by the US Senate, the Chief Counsel for Advocacy directs the office The Chief Counsel advances the views, concerns, and interests of small business before Congress, the White House, federal agencies, federal courts, and state policy makers Economic research, policy analyses, and small business outreach help identify issues of concern Regional Advocates and an office in Washington, DC, support the Chief Counsel s efforts For more information on the Office of Advocacy, visit or call (22) Receive notices of new Office of Advocacy information by signing up on Advocacy s Listservs at þ Small Business Regulation and Research þ Regulatory Alerts and Comment Letters þ Small Business Data, Statistics, and Reports þ Office of Advocacy News

3 Foreword I m pleased to present Small Business Lending in the United States, the Office of Advocacy s annual report on bank lending to small businesses Financing is critical for small businesses; without it, they would be hard pressed to make important contributions to the nation s economic health and wellbeing In the pages of this report, you will find the most current available information on lending to small businesses by depository institutions of various sizes in the United States Tables in the report provide a wealth of data on the amount and number of loans made to small businesses year by year I can report that the overall picture looks better than it did a year ago Although lending to small businesses was still down, the decline was less than in 2 and 2, an indication of progress You will be able to track the yearbyyear changes in small business lending as the economy continues to improve Readers can also learn more about what s happening with the banks in their own states and localities Detailed tables show statebystate rankings of institutions doing small business lending The report covers commercial, cooperative, and federal and state savings banks, as well as savings and loan associations Geographic coverage includes the United States and its territories Advocacy s website contains expanded versions of Tables 3A, 3B, and 3C, listing the lending activity of all lenders in the 5 states, the District of Columbia, and the US territories Visit Advocacy s webpage at for the full listing Questions may be addressed to Victoria Williams at (22) or by advocacy@sbagov We welcome your questions or comments Winslow Sargeant, PhD Chief Counsel for Advocacy U S Small Business Administration Small Business Lending in the United States, 222 iii

4 Contents Foreword iii Introduction Part One: Developments in Small Business Lending 3 I Findings from the June 22 Call Reports 3 II Findings from 2 CRA Reporting Institutions 2 Conclusions 4 Data Limitations 5 Part Two: Directory of Top US Small Business Lenders 6 Appendix A Data Notes 2 Appendix B Table Descriptions 2 Small Business Lending in the United States, 222 v

5 Introduction Small businesses are a crucial component of the US economy Their existence and success depend on their ability to access credit, needed for economic recovery and growth Numerous studies have shown that small businesses, because of their size, have virtually no access to capital markets and thus rely on depository lending institutions for their credit needs Small Business Lending in the United States is an annual publication that provides information on depository lending institutions and their lending patterns to small businesses 2 It covers the activities of small business lenders, including depository institutions such as savings banks, cooperative banks, savings and loan associations, and commercial banks, for data years Geographically, the report coverage includes information for all the US territories and states 4 It is designed to help small businesses identify lending institutions in their localities and to help banks learn about both the competition in the markets in which they participate and new investment opportunities Changes in four performance measures are analyzed: the number of loans, aggregate lending, ratios of small business loans to total assets, and ratios of small business loans to total business loans The data do not allow for SBAguaranteed lenders to be distinguished from the overall population of depository lending institutions in the United States The findings in this report are based on two types of data reported by depository lending institutions to their respective regulatory agencies 5 the Call Reports for June 22 and the Community Reinvestment Act (CRA) data for December 2 6 The two types of small business loans reported by the Federal Deposit Insurance Corporation (FDIC) are: () loans secured by nonfarm nonresidential properties, or commercial real estate (CRE) loans, and (2) commercial and industrial (C&I) loans See Board of Governors of the Federal Reserve System, Financial Services Used by Small Businesses: Evidence from the 23 Survey of Small Business Finances, Federal Reserve Bulletin, October 26, Table, Page A86 2 This is the 9th annual edition of this study, previously titled Small Business and Micro Business Lending in the United States, which began in 994 with the Call Report data; four years later the CRA data were included as part of the report 3 A cooperative bank is a financial entity that belongs to its members, who are both the owners and the customers of their bank Cooperative banks are often created by persons belonging to the same local or professional community or sharing a common interest They generally provide their members with a wide range of banking and financial services (loans, deposits, bank accounts) Cooperative banks differ from stockholder banks in their organization, goals, and governance 4 In 25 the study expanded its coverage in two respects, to include noncommercial depository institutions and coverage of US territories The territories are the Federated States of Micronesia, Guam, American Samoa, Puerto Rico, and the US Virgin Islands 5 Data are compiled by the three federal banking agency members of the Federal Financial Institutions Examination Council (FFIEC): the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) 6 See for the Call Reports, officially the Consolidated Reports of Condition and Income, which are quarterly reports filed by financial institutions with their appropriate depository regulators Call Reports provide detailed information on the current status of a financial institution See for CRA data The Community Reinvestment Act was designed to encourage depository institutions to meet the credit needs of the local communities from which they obtain deposited funds CRA data are important for understanding small business lending activities by lending institutions and bank holding companies (BHCs) in a given state Small Business Lending in the United States, 222

6 Data are available only for the size of the loan and not for the size of the business; so small business loans are defined as business loans under $ million These business loans are separated into three size categories: $, or less, $, plus through $25,, and $25, plus through $ million In the comprehensive loan data for lenders, the two largest business loan categories are merged Micro business loans are loans of $, or less, and macro business loans range from $, to $ million The study is divided into two parts Discussions on developments in small, micro, and macro business lending activities by depository lenders in the United States can be found in Part One The first section examines developments apparent in the Call Report data; the second looks at developments based on the CRA database Analysis in this study covers data from June 27 through June 22 for Call Reports and the calendar year of 2 for CRA reports A list of the top small, micro, and macro business lenders in the states, using both the Call Report and CRA data can be found in Part Two For the reader s convenience, tables listing nationwide multibilliondollar lending institutions are presented before the state tables The placement is not a reflection of the lenders relative importance in small business lending The Call Report and CRA databases are important because they are the only publicly available sources of information on the small business lending activities of individual lending institutions It should be noted that the databases are limited as indicators of both supply and demand in these small business lending markets The data reflect only the supply of loans and only those loans provided by banks and savings and loan associations That is, they tell only part of the small business lending story Small firms certainly have access to other sources of credit, such as their suppliers, finance companies, family and friends, and others All small business lenders filing reports in the US economy are examined, but the available information does not make it possible to distinguish SBAguaranteed lenders Accessing the Study This report uses Call Report data from the FDIC website and CRA data from the Office of Advocacy provided by Dr James Kolari of Texas A&M University Readers interested in current and recent previous editions of Advocacy s lending studies should visit Questions and Suggestions Technical questions may be addressed to Ms Victoria Williams at (22) or by advocacy@sbagov Small Business Lending in the United States, 222 2

7 Part One: Developments in Small Business Lending I Findings from the June 22 Call Reports A Small Business Loans Outstanding from all Reporting Lending Institutions Chart Total Value of Small Business Loans by Depository Institution Size and Gross Domestic Product, June 25 June 22 The US economy continued to improve and the financial environment was conducive to economic growth in 22 Borrowing and lending conditions continued to recover from the previous year, even though the improvement in recent years has been more gradual for smaller firms than for larger firms (Chart ) Gross domestic product and other indicators have turned upward The pace of activity in the small firm loan markets remained slow, despite relatively low interest rates The prime rate, on which rates for most small business loans with adjustablerate provisions are based, has been flat at 325 since January 29 Throughout the year, bankers reported easing their standards and terms on commercial and industrial (C&I) loans to businesses of all sizes 7 Small business demand for C&I loans has been uneven in the last few years, which reflects the relatively tighter standards for these loans Commercial real estate (CRE) lending standards were eased as well, but the credit supply remained relatively tight compared with historic norms Respondents to the Office of the Comptroller of the Currency s survey, which covers all major loan categories, reported a slowdown in tightening of underwriting standards for 7 See Senior Loan Officer Opinion Survey Small Business Lending in the United States, 222 3

8 small business loans 8 The percentage of bankers easing small business banking underwriting standards was small suggesting that the standards are still high 8 See 22 Survey of Credit Underwriting Practices Report, OCC US Department of Treasury Small Business Lending in the United States, 222 4

9 Table A Value of Small Business Loans Outstanding for Depository Lenders by Loan Type and Size, 27 to 22 Billions of Dollars, Nominal Change 2 22 Loan Type and Size at Origination Amount % Commercial Real Estate $, or less $, to $25, $25, to $ million Total Commercial Real Estate Commercial and Industrial $, or less $, to $25, $25, to $ million Total Commercial and Industrial Total Small Business Loans ($ million or less) Total Large Business Loans (greater than $ million),5368,7978,7553,599,692, Total Business Loans 2,2235 2,593 2,456 2,253 2,2982 2, Total Assets of Depository Lenders,7899,784,95,775,868 2, of BHCs and Independent Lenders 7,456 7,36 7,224 7,23 6,826 6, Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 The aggregate value of small business loans outstanding from depository lending institutions was $5878 billion in June 22, $9 billion less than in June 2 (Tables A and B) The decline in small business loans slowed from 69 percent in June 2 to 3 percent in June 22 This smaller drop in the value of small business loans suggests that although small business lending terms and standards are easing, standards remain fairly high Another reason for the continued decline suggested by the National Federation of Independent Business (NFIB) is that the fraction of small businesses with borrowing needs continued to be low in 22 9 The dollar value of small business borrowing was down in all loan size categories, but the slower rate of decline shows an improvement in lending For example, the slower decline was most pronounced in total CRE and C&I micro business loans (CRE + C&I), which were down by percent from 2 to 22, compared with a decline of 24 percent from 2 to 2 On the positive side, the change in the number of loans was up for micro business loans, from negative 43 percent in June 2 to an increase of 6 percent in June 22 (Table C) The change in the total number of small business loans increased from negative 47 percent in June 2 to 4 percent in June 22 9 See, for example, W Dunkelberg and H Wade, NFIB Small Business Economic Trends, National Federation of Independent Business, January 23, 2, accessed May 23 at Small Business Lending in the United States, 222 5

10 Table B Value of Small Business Loans Outstanding by Depository Lender Size, 27 to 22 Billions of Dollars, Nominal Change Amount % Lenders by Total Asset Size Less than $ million $ million to $4999 million $5 million to $9999 million $ billion to $99 billion $ billion to $499 billion $5 billion or more Total Small Business Loans Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 As mentioned, in 22, total small business loans outstanding declined by 3 percent, compared with a 69 percent drop the previous year (Table A) The total value of small business C&I and CRE loans outstanding declined by percent and 5 percent, respectively, in 222 CRE loans in the $25, to $ million range had the largest dollar volume decline, $ billion, which represented more than twothirds, 689 percent, of the overall decline in CRE loans (Table A) Commercial and industrial loans of $25, to $ million fell $24 billion 8 percent of the total decline in C&I loans CRE micro loans experienced the largest percentage decline of 9 percent, which was partially offset by a small increase of 3 percent in C&I micro loans Large business loans in excess of $ million increased to healthy levels in June 22 by $224 billion or 2 percent from June 2, compared with a 58 percent increase in 22 (Table A) Lenders in all asset size categories had declines in small business loans outstanding during 222 Lenders with assets in two size categories ($ million to $4999 million and $ billion to $99 billion) had the largest dollar volume declines, of $5 billion each, or 44 and 4 percent, respectively (Table B) These two size categories of lenders combined accounted for more than 534 percent of the decline in the dollar volume of small business loans outstanding Large lenders with $5 billion or more in assets were responsible for only 73 percent of the total decline, and they had the lowest drop in dollar volume The total number of small business loans increased by 4 percent from 23 million in June 2 to 235 million in June 22 (Table C) Micro C&I loans under $, accounted for practically all of the number of small business loans and for the entire increase in the total number of C&I loans in June 22 Large lenders dominated the number of small business loans, holding threefourths of them (Table D) Lenders in the largest asset sizes had increases in the number of loans Small Business Lending in the United States, 222 6

11 Table C of Small Business Loans Outstanding from Depository Lenders by Loan Type and Size, 27 to 22 Millions of Loans Change 2 22 Loan Type and Size Difference % Commercial Real Estate $, or less $, to $25, $25, to $ million Total Commercial Real Estate Commercial and Industrial $, or less $, to $25, $25, to $ million Total Commercial and Industrial Total Small Business Loans (less than $ million) Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 Table D of Small Business Loans Outstanding from Depository Lenders by Lender Size, 27 to 22 Millions of Loans Change 2 22 Loan Type and Size Difference % Lenders by Total Asset Size Less than $ million $ million to $4999 million $5 million to $9999 million $ billion to $99 billion $ billion to $499 billion $5 billion or more Total Small Business Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 B Ratios of Small Business Loans Outstanding to Total Assets and Total Business Loans This report uses two ratios as performance measures the ratios of small business lending to the lenders total assets and that of small business loans to total business loans Small Business Lending in the United States, 222 7

12 Table E Ratio of the Value of Small Business Loans Outstanding to the Value of the Assets of Depository Lenders by Loan Type and Size, 27 to 22 Ratio (percentage) Change Difference % Commercial Real Estate $, or less $, to $25, $25, to $ million Commercial Real Estate Commercial and Industrial $, or less $, to $25, $25, to $ million Commercial and Industrial Total Small Business Loans Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 The first of these measures is the ratio of the total amount of small business loans to the lenders total assets, which will be referred to as the total asset ratio Table E shows that the mean total asset ratio has declined steadily in the last six years from nearly 64 percent in 27 to 4 percent in 22 This ratio is the share of lenders assets that is lent to small firms, and the table suggests that small businesses have been falling behind in the competition with other uses of capital held by lending depository institutions The C&I mean total asset ratio declined by 24 percent, compared with a 72 percent decline in the ratio for CRE loans during this 2722 span The declines in the mean total asset ratios for C&I and CRE loans in the most recent period from June 2 to June 22 were 5 and 38 percent respectively C&I and CRE micro loan asset ratios had the largest declines of roughly 68 and 66 percent, respectively, a slight improvement from the doubledigit declines in the previous year The total decline in the mean asset ratio for small business loans was 43 percent in 222 Table F shows the mean total asset ratio by the lender s asset size The ratio declines as lender size increases For example, the smallest lenders held roughly 5 percent of total assets in small business loans, and the largest lenders comparable small business loan share was less than 4 percent Overall, the small business share of mean total assets declined in lenders of all sizes from June 2 to June 22 The second ratio, the mean total small business loan ratio, reflects the total small business share of total business loans Table G presents the information by the size of the loan, and Table H shows the The ratios used in Tables EH are the mean ratios for all lenders These ratios are derived by computing the ratio for each lender, then computing the mean for all lenders in each category shown See Appendix A Data Notes 8 Small Business Lending in the United States, 222

13 Table F Ratio of the Value of Small Business Loans Outstanding to the Value of Total Assets of Depository Lenders by Lender Size, 27 to 22 Ratio (percentage) Change Difference % Lenders by Total Asset Size Less than $ million $ million to $4999 million $5 million to $9999 million $ billion to $99 billion $ billion to $499 billion $5 billion or more Total Small Business Loans Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 Table G Ratio of the Value of Small Business Loans Outstanding to the Value of Total Business Loans Outstanding for Depository Lenders by Loan Type and Size, June 27 to June 22 Ratio (percentage) Change Difference % Commercial Real Estate $, or less $, to $25, $25, to $ million Total Commercial Real Estate Commercial and Industrial $, or less $, to $25, $25, to $ million Total Commercial and Industrial Total Small Business Loans Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 information by lenders asset sizes The ratio measures the success level of small business borrowers in competing for business loans against large businesses The tables show that this ratio has been on a gradual decline, by 9 percent in total over the sixyear period from 27 to 22 This downward trend is an indicator that small business borrowers have been less successful than large businesses in competing for business loans The mean total business loan ratio declined by just 3 percent in 2 22 Small business lenders dominate the small business loan portfolios, while larger lenders hold about onefifth of their business loan portfolios with small business borrowers (Table H) Over the sixyear period, the mean ratio of small business loans by mega lenders has been uneven Mega lenders had the largest decline, of 54 percent in 222, while the smallest lenders had the largest increase, of 6 percent Small Business Lending in the United States, 222 9

14 Table H Ratio of the Value of Small Business Loans Outstanding to the Value of Total Business Loans Outstanding for Depository Lenders by Lender Size, June 27 to June 22 Ratio (percentage) Change Difference % Lenders by Total Asset Size Less than $ million $ million to $4999 million $5 million to $9999 million $ billion to $99 billion $ billion to $499 billion $5 billion or more Total Small Business Loans Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 27 through June 22 C All Small Loans Outstanding from Multibilliondollar Lending Institutions Consolidation in the banking industry changes the small business loan market through its effects on the relative importance of lenders of different sizes Consolidation mostly affects the smallest lenders, whose small business loan share of total assets is much larger than that of mega lenders (Table F) Research suggests that mergers and acquisitions (M&As) may have relatively little effect on small business credit availability except in the smallest loan sizes (loans under $,), which may be affected by M&As involving very small banks with less than $ million in assets The share of total small business loans held by the largest lenders is of importance for small business borrowers The largest lenders, those with assets exceeding $ billion, held 482 percent of the value of small business loans in 22, and more than 778 percent of the total assets of lending institutions (Table I) The most significant concentration of small business loans is in commercial and industrial micro loans, where these large lenders hold almost 75 percent of the total value However, these mega lenders were less active in the commercial real estate market A N Berger, RJ, Rosen, and G F Udell (2) The Effect of Market Size Structure on Competition: The Case of Small Business Lending Federal Reserve Bank of Chicago Downloaded April 6, 2, from Small Business Lending in the United States, 222

15 Table I Share of Business Loans and Total Assets by Size of Depository Institutions Year and Loans by Size 22* Total Assets of the Institution Total Asset Size of the Lending Institution or Bank Holding Company Over B Over B 5M M Under 5B 5B B B B 5M M (percentage) Total Commercial Real Estate $, or less $, to $25, $25, to $ million Commercial and Industrial $, or less $, to $25, $25, to $ million Total Small Business Loans Total Large Business Loans Total Business Loans of Institutions 2 Total Assets of the Institution , ,54 6,639 Commercial Real Estate $, or less $, to $25, $25, to $ million Commercial and Industrial $, or less $, to $25, $25, to $ million Total Small Business Loans Total Large Business Loans Total Business Loans of Institutions ,332 2,28 6,826 Source: Federal Deposit Insurance Corporation, Statistics on Depository Institutions, June 2 through June 22 Small Business Lending in the United States, 222

16 Table J Comparison of Assets and Business Loans of Depository Lending Institutions as Reported in Call and CRA Reports Call Report Information (Loans and assets in billions of dollars) All Institutions CRA Institutions* Percentage of Call Report Institutions Submitting CRA Information Description as of June 22 as of June Small Business Loans $, or less $, through $ million Total Small Business Loans Total Business Loans 2,485, Total Assets, 22 2,, of Lending Institutions 6, Source: US Small Business Administration, Office of Advocacy, Small Business Lending in the United States, Special tabulations for CRA prepared by the Office of Advocacy by James Kolari, Texas A&M University, College Station; June 22 Call Reports obtained from FDIC II Findings from 2 CRA Reporting Institutions A Small Business Lending by CRA Reporting Lending Institutions Uptodate geographic information on the small business lending activities of depository institutions is presented in this section using the Community Reinvestment Act (CRA) data These data show the location of loans made by lenders during the calendar year (January December 3) 2 In this section, Tables J and K portray the highlights of small business lending activities in the CRA data Table J compares the Call Report information for all depository lenders with CRA data for lenders required to submit CRA reports, while Table K reflects the dollar amount and number of loans made by depository institutions filing CRA reports Changes in CRA reporting requirements exempt smaller banks from reporting under the program, but these institutions may voluntarily collect and report small business loan information The primary difference between the CRA and the Call Report data is that the CRA information is classified by the borrower s location rather than the location of the bank s headquarters That is, CRA data show local reporting depository lenders, including large lenders that have a local presence in a state or territory, but are headquartered out of the state Thus the CRA provides a glance at local markets and their sensitivity to demand and supply factors in small business lending The findings from both the CRA and Call Report data show that small business lending 2 The CRA, enacted in 977, is designed to encourage banks to meet the credit needs of the local communities from which they obtain deposited funds The criteria for CRA lenders filing the reports changed at the beginning of 25 As a result of the revisions made by financial institutions regulatory agencies, fewer lenders are required to file the annual CRA reports The asset size for the reporting institutions was increased from $25 million to approximately $ billion or more, thus eliminating a large number of institutions that had previously reported small business loan data For more information see and 2 Small Business Lending in the United States, 222

17 Table K Value and of Loans Originated and Purchased by CRA Reporting Institutions, 27 2 (dollar values in billions, number in millions) Change 9 * Loan Size and Assets * Difference % Value of Small Business Loans $, or less $, through $ million Total Small Business Loans of Small Business Loans $, or less $, through $ million Total Small Business Loans of Lending Institutions *Note: The 2 data are not comparable to previous years because of changes in reporting requirements Source: US Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, prepared for the Office of Advocacy by James Kolari, Texas A&M University, and College Station, Texas) remained weak, while declining at a slower pace than in the previous year These findings are consistent with other reports on trends in small business lending Again, changes in the reporting requirements that raised the reporting threshold to banks with approximately $ billion or more in assets resulted in only 624 institutions submitting CRA reports These multibilliondollar institutions accounted for 66 percent of small business loans under $ million in 2 (Table J) 3 These lenders also accounted for 76 percent of micro business loans and 84 percent of total domestic assets CRA reporting institutions issued a total of 33 million small business loans valued at $788 billion (Table K) B Micro and Macro Business Lending by CRA Lending Institutions The micro and macro business lending markets remained relatively less active in 2 Multibilliondollar depository lending institutions issued 3 million micro business loans ($, or less) valued at $553 billion in 2 (Table K) 3 The institutions in the CRA disclosure database with and without identified balance sheets could not be discerned, with the result that there were 624 reporting lenders Provisions in the DoddFrank Wall Street Reform and Consumer Protection Act require the transfer of Office of Thrift Supervision (OTS) functions to the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, Federal Reserve Board and the Consumer Financial Protection Board The reporting requirements for OTS regulate depository institutions and loan holding companies Under these requirements, savings and loan holding companies must file the same reports with the Federal Reserve that bank holding companies file Consequently, the 2 CRA data cannot be used for comparison with previous years Small Business Lending in the United States, 222 3

18 Conclusions The economy continued to improve in 22, as some economic indicators turned positive Some factors that affect small firm lending showed improvement, although at a slow pace Lending and borrowing in the small business loan markets continued to be restrained The performance measures for lending institutions suggest that small business borrowers were losing ground in competing for business loans Both the Call Report and CRA data show that downward pressure on small business lending is easing The data show that the average small business loan size continued to decline The market share of small business lending by mega lenders (depository institutions with assets exceeding $5 billion) has remained relatively flat since 28, as these lenders continued to hold more than onethird of all small business loans outstanding One set of indicators of the success of small firms in accessing financial capital is evaluated in this report It is beyond the scope of this research to assess the demand and supply factors contributing to the downturn in small business lending, as both the Call Reports and CRA data do not allow for such evaluation As economic uncertainty persists, capital markets serving small businesses remain cautious about providing more capital, while small businesses are hesitant to acquire more debt Small Business Lending in the United States, 222 4

19 Data Limitations The Call Report and CRA data provide a useful look at small loans held by all depository institutions, but the picture remains incomplete On the demand side, the Call Report and CRA data do not provide information on the personal or demographic characteristics of the borrowers, or characteristics of the businesses (such as employment or sales data, income or balance sheet information) Thus, these statistics do not shed light on the demand for financial capital by small business owners On the supply side, the Call Report and CRA data provide information on the aggregate value and number of loans originated for $ million or less, including those secured by nonfarm, nonresidential property and commercial and industrial loans The data do not provide information about whether the loan is a line of credit or an assetbacked loan (such as a capital lease, vehicle, or equipment loan) Small and large firm lending is defined here by the size of the loan; however, there may be some overlap, as some small firms may have originated loans of more than $ million and some large businesses may have originated loans of less than $ million Call Report data likely underestimate the loans originated with larger lenders because these lenders are more likely to securitize loans with SBA loan guarantees; hence, only the unguaranteed portion of the loan will still be reported by the lending institution Smaller institutions are more likely to hold the entire small business loan in house, even if the loan has an SBA loan guarantee attached Depository lenders hold about 6 percent of the total loans to small business borrowers from traditional sources of credit (excluding owner loans); the remaining 4 percent of loans (not included here) are from finance companies, brokerage firms, family, friends, and other businesses Household assets are often pledged against the debt of the business, and business and household financial assets occasionally are intertwined Hence, a complete picture of the financial condition of small businesses requires a careful review of income statement and balance sheet information for both the household and the business Finally, the CRA data provide useful information on current lending primarily for larger depository lenders required to submit CRA reports While the current size threshold at which lenders must submit a CRA report is total assets of just over $ billion, the CRA data set includes lenders with total assets of less than $ billion CRA data include originations and purchases of small business loans Originations are new loans or extensions of lines of credit and purchases are loans purchased from another lending institution in the current year For more information about the limitations of CRA data, see A Guide to CRA Data Collection and Reporting ( For more information about other limitations of Call Report data, see Disclaimer and Notes ( Small Business Lending in the United States, 222 5

20 Part Two: Directory of Top US Small Business Lenders Small business lending and borrowing activities are typically local, where the borrowers and the lending institutions are located in the same community or in communities nearby To help small businesses shop more efficiently for credit, the SBA s Office of Advocacy prepares a directory of small, macro, and micro business lenders The information is also useful to lenders interested in learning about the competition in small business lending 4 The business lending performance of individual lending institutions is ranked for the national market (for multibilliondollar lenders) and in each state Tables A through 2B rank multibilliondollar lenders in the national market using Call Report and CRA data Tables 3A through 4C list top small business lending institutions in individual states Information for all reporting lenders (Tables 3A, 3B, and 3C expanded) is available on the Advocacy website, Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table A ranks the small business loans outstanding (loans of $ million or less) of the 93 largest lending institutions with total domestic assets of more than $ billion 5 Each lending institution is ranked from to 93, with being the top for each of four variables the ratio of small business loans to total business loans, the ratio of small business loans to total assets, the total dollar amount of small business lending by the lending institution, and the total number of small business loans These variables then are totaled and reranked from to 88 The remaining institution is not ranked because of missing data or lack of small business lending activity The top five small business lenders in June 22, based on Call Report data, were American Express Co (first in 2), First Citizen Bancshares (second in 2), Wintrust Financial Corp (sixth in 2), Zions Bancorp (seventh in 2), and Synovus Financial Corp (fifth in 2) Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table B ranks micro business loans ($, or less) outstanding of the 93 largest lending institutions with total domestic assets of more than $ billion Each lending institution is ranked from to 93 (one being the top) for each of four variables 6 These variables then are totaled and reranked from to 87; the remaining lending institutions are not ranked because of missing data or lack of micro business lending activity 4 This study examines small business lending in the economy by all lenders in the United States No attempt has been made to distinguish SBAguaranteed lenders in the analysis Lenders are ranked based on their overall lending, not lending under SBA programs 5 Since March 24, American Express Centurion and Capital One Bank have organized federal savings banks (FSBs) to conduct their small business credit card operations 6 The four criteria used are the same as those for Table A 6 Small Business Lending in the United States, 222

21 The top five lenders in June 22 were American Express Co (first in 2), Capital One Financial Corporation (second in 2), GE Capital Retail Bank (formerly GE Money Bank, which was third in 2), JPMorgan Chase and Company (fourth in 2), and Wintrust Financial Corp (tenth in 2) Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table C ranks the macro business lending (loans of $, to $ million) outstanding of the 93 largest lending institutions with total domestic assets of more than $ billion 7 Each lending institution is ranked from to 93, (one being the top) for each of four variables These variables then are totaled and reranked from to 85; the remaining lending institutions are not ranked because of missing data or lack of micro business lending activity The top five lenders in June 22 were First Citizens Bancshares Inc (first in 2), Zions Bancorporation (third in 2), Synovus Financial Corp (second in 2), Fulton Financial Corp (sixth in 2), and Wintrust Financial Corp (twelfth in 2) Table 2A Small Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2A ranks multibilliondollar lending institutions small business lending using CRA data Information from Call Reports was employed in combination with the CRA data to perform the fourvariable rankings As in the previous studies, data covering the reporting members of a holding company were first consolidated to generate estimates for the owning holding company Because CRA data provide locationspecific information for a lender s small business lending, information on the number of states (and territories) in which the lending institution has lending operations is also provided The largest 74 lending institutions with small business loans were identified, but only 72 were ranked The five top small business lenders for 2, using the combined ranking criteria, were First Citizen Bancshares (fourth in 2), Synovus Financial Corp (second in 2), Zions Bancorporation (third in 2), Regions Financial Corp (tenth in 2), and Huntington Bancshares (eleventh in 2) Table 2B Micro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2B uses information from the Call Reports along with the CRA data to obtain the fourvariable rankings for these lenders The table ranks large lenders micro business lending using CRA data As in the previous studies, data from the members of a holding company were first consolidated to generate estimates for the owning company CRA locationspecific information on lenders micro business lending was the source for the data on the number of states in which the lender has substantial lending operations Of the 74 lending institutions that were identified, 72 were ranked The five top small business lenders for 2 using CRA data were First Citizens Bankshares (fifteenth in 2), Zions Bancorporation (seventeenth in 2), Synovus Financial Corp (twelfth in 2), POPULAR (twentysixth in 2), and Bancorpsouth (twentieth in 2) 7 The four criteria used are the same as those for Table A Small Business Lending in the United States, 222 7

22 Table 2C Macro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2C uses information from the Call Reports along with the CRA data to obtain the fourvariable rankings for these lenders The table ranks large lenders macro business lending (loans between $, and $ million) using CRA data As in the previous studies, data from the members of a holding company were first consolidated to generate estimates for the owning company CRA locationspecific information on lenders small business lending was the source for the data on the number of states in which the lender has substantial lending operations Seventyfour lending institutions were identified The top five ranked for macro business lending were BB&T Corporation (fourth in 2), US Bancorp (fifteenth in 2), Bank of America Corp (twentyseventh in 2), JPMorgan Chase & Co (thirtythird in 2), and Capital One Financial Corp (twentyninth in 2) Two lenders were not ranked because of inadequate information Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3A displays the small business lending performance of a lender measured on four criteria Then the top institutions lending to small businesses in individual states are identified The list includes the top or the top percent, whichever number is smaller (Ties may increase the number) The four rankings were summed to create a score for the small business lending activities of individual banks (see Appendix A Data Notes) A lender s total score is the sum of the four individual decile rankings multiplied by 25 to attain a possible score of Decile rankings range from to 8 The ranking of all lending institutions in each state is provided on the Advocacy website, Note again that Call Report data are keyed to the institution s headquarters location rather than the location of the lending activity A significant amount of lending activity by large lending institutions takes place in states other than the one in which the headquarters is located Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3B provides a list of lending institutions by state that make micro business loans (loans under $,) Only the top lenders or the top percent, whichever number is smaller, are included in the list (Ties may increase the number) The performance of a micro loan lender in a given state is measured on four criteria The four rankings were summed to create a score for the micro business lending activities of the individual lender The lender s total score is the total of the four individual decile rankings multiplied by 25 to attain a possible score of A complete ranking of all lending institutions in each state is provided on the Advocacy website, Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3C provides a list of lending institutions by state that make macro business loans (loans between $, and $ million) The top lenders or the top percent, whichever number is 8 See data notes for detailed information on decile rankings Small Business Lending in the United States, 222 8

23 smaller, are included in the list (Ties may increase the number) The performance of a macro business lender in a given state is measured on four criteria The four rankings were summed to create a score for the macro business lending activities of the individual lender The lender s total score is the total of the four individual decile rankings multiplied by 25 to attain a possible score of A complete ranking of all lending institutions in each state is provided on the Advocacy website, Table 4A Top Small Business Lenders by State and Territory Based on CRA Data, 2 A list of top small business lenders for each state using CRA data is available in Table 4A The CRA database best captures state lending information for large lending institutions The list includes lending institutions with small business lending of more than $5 million in a given state in 2 Data for the members of a holding company were consolidated first to generate estimates for the parent holding company Consolidated estimates were then derived for each holding company in each state Rankings are based solely on the dollar amount of small business lending (loans under $ million) Table 4B Top Micro Business Lenders by State and Territory Based on CRA Data, 2 The CRA data are used to create a list of top micro business lenders by state in Table 4B Included in this list are lending institutions with micro business lending of more than $ million in a given state in 2 Again, rankings are based solely on the dollar amount of micro business lending (loans under $,) in this table Table 4C Top Macro Business Lenders by State and Territory Based on CRA Data, 2 This table lists top macro business lenders of more than $3 million in a given state using CRA data The information presented is ranked based on the dollar amount of macro business lending ($,$ million) Table 4D Total Amount and of Small Business Loans per Small Business Employee by State Based on CRA Data, 2 Table 4D uses the CRA database to capture state lending information for large lending institutions This table lists the dollar amount and number of all small business loans (loans under $ million) and micro loans (loans under $,) made by state It provides simple rankings based on the dollar amount of small business lending per number of employees in small businesses of 5 or fewer employees Table 5 of Reporting Institutions by Asset Size and State and Territory Based on Call Report Data, June 27 June 22 Table 5 summarizes the number of lending institutions in individual states for each of six years, and includes a listing by institution asset size for the most recent year The asset sizes are under $ million, $ million to $5 million, $5 million to $ billion, $ billion to $ billion, $ billion to $5 billion, and over $ billion Small Business Lending in the United States, 222 9

24 Appendix A Data Notes Ranking Methodology and Table Descriptions Note that Tables EH in the text employ the total assets ratios (ratios of small business loans to total assets) and the total business loan ratios (ratios of small business loans to total business loans), which are the mean ratios for all lenders These ratios are derived by computing the ratio for each lender, then computing the mean for all lenders in each category shown Four variables were used to create a total score for the small business lending activities of individual lenders when feasible: () the ratio of small business loans to total assets, (2) the ratio of small business loans to total business loans, (3) the dollar value of small business loans, and (4) the number of small business loans The total ranking summarizes the four individual scores Small lending institutions tend to score higher in some categories than larger lending institutions, and vice versa For example, smaller lenders have a higher percentage of total assets in small business loans, but larger lenders lead in the sheer number and value of small loans Using two ratio variables and two value variables permits a more balanced measure of lending performance by lenders of different sizes 9 For large lending institutions in the Call Reports (Tables A through C), simple rankings from up were performed for each of the four variables first, with as the top ranking The four individual rankings were summed and reranked from up to produce a total rank For lending institutions in the CRA data (Tables 2A through 2C), ratio information was retrieved from Call Report data and used in combination with information from the CRA to perform Advocacy s fourvariable scheme for ranking Again, simple rankings were performed and summed to obtain total rankings For rankings of all reporting lending institutions in a state based on Call Report data (Tables 3A through 3C), a decile ranking is used instead of a simple ranking This is justified because of the much larger number of lending institutions in a given state The decile ranking is a measure of where the individual lender falls in the distribution of all lenders within a state for any given variable Decile rankings range from to Lending institutions in the top percent of all lenders in the state receive the maximum score of ; those in the lowest percent receive a score of Lending institutions that do not lend to small businesses (loans under $ million) receive a Four top scores will sum to 4 To make the top score total rather than 4, each score is multiplied by 25 For state lending using the CRA data (Tables 4A through 4C), banks were listed in order of the dollar amount of small business loans made in each state in the year Large institutions therefore appear at the top 9 The exception is financial holding companies that organize special credit lending institutions such as a federal savings bank or commercial bank to conduct business lending For example, by lending through a special business lending savings bank, American Express Savings Bank will have even higher values for the two ratio criteria used in the ranking process 2 Small Business Lending in the United States, 222

25 Appendix B Table Descriptions Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 This table ranks the small business lending of multibilliondollar lending institutions using the four criteria from the Call Report data that measure the emphasis on small business lending in a lender s loan portfolio Small business loans are defined as loans under $ million s in parentheses represent columns in the table () Overall Ranking (Rank) Summary of small business lending rankings of large lending institutions with respect to loans under $ million A simple ranking is made for each of the four criteria and the total rank derived from the sum of the four rankings from variables found in columns 25 (2) Ratio of Small Business Loans to Total Assets (TA Ratio) The ratio of the dollar value of small business loans outstanding under $ million to total domestic assets for each of the 93 large lending institutions (3) Ratio of All Small Business Loans to Total Business Loans (TBL Ratio) The ratios of the value of small business loans outstanding to total business loans outstanding for the 93 large lending institutions (4) Total Dollar Amount of by the Lending Institution (Amount) The total dollar amount (in thousands) of small business loans outstanding of less than $ million (5) Total of Small Business Loans () The number of small business loans of less than $ million (6) Lender Domestic Asset Size Class (Lender Asset Size) Domestic asset size class of the lending institution: $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (7) Total Dollar Amount of Micro Business Loans (Amount) Similar to column 4, but for loans of $, or less (in thousands of dollars) (8) Total of Micro Business Loans () Similar to column 5, but for loans of $, or less Small Business Lending in the United States, 222 2

26 (9) Total Dollar Amount of Macro Business Loans (Amount) Similar to column 4, but for loans between $, and $ million (in thousands of dollars) () Total of Macro Business Loans () Similar to column 5, but for loans between $, and $ million () Credit Card Loans to Total Assets (CC Amount/TA) The ratio of the dollar value of credit card loans to total assets Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 In this table, large lending institutions are ranked using Call Report data on the basis of four criteria that measure the importance of micro business lending in a lender s portfolio Micro business loans are defined as loans of $, or less s in parentheses represent columns in the table () Overall Ranking (Total Rank) Summarizes the rankings of large lending institutions with respect to loans under $, A simple ranking of and up is made first, and the total rank is derived from the sum of four rankings from the variables found in columns 2 through 5 (2) Ratio of Micro Business Loans to Total Assets (TA Ratio) The ratio of the total dollar value of micro business loans of $, or less to the total assets for each lending institution (3) Ratio of Micro Business Loans to Total Business Loans (TBL Ratio) For the 93 large lending institutions, ratios of the value of micro business loans outstanding to total business loans (4) Total Dollar Amount of Micro Business Lending by the Lending Institution (Amount) The total dollar amount (in thousands) of loans of $, or less (5) Total of Micro Business Loans () The number of loans of $, or less (6) Lending Institution Domestic Asset Size Class (Lender Asset Size) Asset size class of the lending institution: $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (7) Total Dollar Amount of Small Business Loans (Amount) Similar to column 4, but for loans of less than $ million (in thousands of dollars) (8) Total of Small Business Loans () Similar to column 5, but for loans of less than $ million Small Business Lending in the United States,

27 (9) Total Dollar Amount of Macro Business Loans (Amount) Similar to column 4, but for loans between $, and $ million (in thousands of dollars) () Total of Macro Business Loans () Similar to column 5, but for loans between $, and $ million () Credit Card Loans to Total Assets (CC Amount/TA) The ratio of the dollar value of credit card loans to total assets Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 This table ranks the macro small business lending of multibilliondollar lending institutions on the basis of four criteria from the Call Report data reflecting the emphasis on macro business lending in a lender s loan portfolio Macro business loans are defined as loans ranging from $, to $ million s in parentheses represent columns in the table () Overall Ranking (Rank) Summary of rankings of large lending institutions with respect to macro loans outstanding (between $, and $ million) A simple ranking of and up is made for each of the four criteria and the total rank derived from the sum of the four rankings found in columns 25 (2) Ratio of Small Business Loans to Total Assets (TA Ratio) The ratio of the dollar value of macro business loans between $, and $ million to total domestic assets for each of the 93 large lending institutions (3) Ratio of All Small Business Loans to Total Business Loans (TBL Ratio) The ratio of the value of macro business loans outstanding to total business lending for the 93 large lending institutions (4) Total Dollar Amount of Macro Business Lending by the Lending Institution (Amount) The total dollar amount of macro business loans between $, and $ million (in thousands of dollars) (5) Total of Macro Business Loans () The number of macro business loans outstanding between $, and $ million (6) Lender Domestic Asset Size Class (Lender Asset Size) Domestic asset size class of the lending institution: $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (7) Total Dollar Amount of Small Business Loans (Amount) Similar to column 4, but for loans of less than $ million (in thousands of dollars) Small Business Lending in the United States,

28 (8) Total of Small Business Loans () Similar to column 5, but for loans of less than $ million (9) Total Dollar Amount of Micro Business Loans (Amount) Similar to column 4, but for loans of $, or less (in thousands of dollars) () Total of Micro Business Loans () Similar to column 5, but for loans of $, or less () Credit Card Loans to Total Assets (CC Amount/TA) The ratio of the dollar value of credit card loans to total assets Table 2A Small Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2A uses CRA and Call Report data to rank the 74largest lending institutions on the basis of four criteria that measure small business lending performance Two ratio variables were derived from the Call Reports, while the two value variables are from the CRA data s in parentheses represent columns in the table () Total Rank This column summarizes small business performance rankings of the lending institution originating or purchasing loans under $ million A simple ranking of through 74 is performed for each of the four variables and the sum of the four scores is used to derive the total rank The four variables are shown in columns 2 through 5 (2) Ratio of Small Business Loans to Total Assets (TA Ratio) This column shows the ratio of small business loans under $ million to total assets for each lending institution The amounts of small business loans and total assets used for the ratio are obtained from the June 2 Call Report data A high ratio indicates a lender s willingness to place a large portion of assets in small business lending (3) Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (TBL Ratio) The ratio of small business loans under $ million to total business loans for each lender The amount of small business loans and total business loans comes from the June 2 Call Reports Lending institutions that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Small Business Lending (Amount) The total dollar amount (in thousands) of small business loans of less than $ million lent by each institution (5) Total of Small Business Loans () The number of small business loans of less than $ million (6) States with Loans (No of States and Territories w/ Loans) The number of states (and territories) where the lender extended small business loans (7) Lending Institution Domestic Asset Size Class (Institution Asset Size) Asset size class of the lending institution: Small Business Lending in the United States,

29 $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (8) Total Dollar Amount of Micro Business Loans of $, or Less (Amount) Similar to column 4, but for loans of $, or less (in thousands of dollars) (9) Total of Micro Business Loans of $, or Less () Similar to column 5, but for loans of $, or less Table 2B Micro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2B uses both CRA and Call Report data to rank order 76 large lending institutions on the basis of four criteria that measure the micro business lending performance of a lending institution Two ratio variables were derived from the Call Reports The four individual scores are provided in the tables on the website s in parentheses represent columns in the table () Total Rank Summary of the micro business performance rankings of lending institutions with loan originations and purchases of $, or less A simple ranking of through 74for each of the four variables is performed first and the sum of the four scores is used to derive the total rank The four criteria used are described in this table as items 2 through 5 (2) Ratio of Micro Business Loans to Total Assets (TA Ratio) This column shows the ratio of micro business loans of $, or less to total assets for each lending institution The amounts of small business loans and total assets used for the ratio are obtained from the June 2 Call Report data A high ratio indicates a lender s willingness to place a large portion of its assets in small business lending (3) Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (TBL Ratio) The ratio of the value of micro business loans of $, or less to total business loans for each bank The amounts of micro and total business loans come from the June 2 Call Reports Lenders that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Micro Business Lending by the Lending Institution (Amount) The total dollar amount (in thousands) of micro business loans of $, or less (5) Total of Micro Business Loans () The number of micro business loans of $, or less (6) States with Loans (No of States and Territories w/loans) The number of states (and territories) where the lender extended micro business loans (7) Institution Domestic Asset Size Class (Institution Asset Size) Asset size class of the lending institutions: Small Business Lending in the United States,

30 $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (8) Total Dollar Amount of Small Business Loans by the Lending Institution (Amount) Similar to column 4, but for loans of less than $ million (in thousands of dollars) (9) Total of Small Business Loans by the Lending Institution () Similar to column 5, but for loans of less than $ million Table 2C Macro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2C uses both CRA and Call Report data to rank order the 74 large lending institutions on the basis of four criteria that measure the macro business lending performance for a lending institution The two ratio variables were derived from the Call Reports The four individual scores are provided in the tables on the website s in parentheses represent columns in the table () Total Rank Summary of the micro business performance rankings of lending institutions with loan originations and purchases of loans between $, and $ million A simple ranking of through 74 for each of the four variables is performed first and the sum of the four scores is used to derive the total rank The four criteria used are described in this table as items 2 through 5 (2) Ratio of Macro Business Loans to Total Assets (TA Ratio) This column shows the ratio of macro business loans (between $, and $ million) to total assets for each lending institution The values of small business loans and total assets used for the ratio are obtained from the June 2 Call Report data A high ratio indicates a lender s willingness to place a large portion of its assets in small business lending (3) Ratio of the Dollar Amount of Macro Business Loans to Total Business Loans (TBL Ratio) The ratio of the value of macro business loans between $, and $ million to total business loans for each bank; the amounts of small and total business loans come from the June 2 Call Reports Lenders that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Macro Business Lending by the Lending Institution (Amount) The total dollar amount (in thousands) of macro business loans between $, and $ million (5) Total of Macro Business Loans () The number of macro business loans between $, and $ million (6) States with Loans (No of States & Territories w/loans) The number of states (and territories) where the lender extended macro business loans Small Business Lending in the United States,

31 (7) Institution Domestic Asset Size Class (Institution Asset Size) Asset size class of the lending institution: $ billion to under $5 billion ($B $5B) $5 billion and over (>$5B) (8) Total Dollar Amount of Small Business Loans by the Lending Institution (Amount) Similar to column 4, but for loans of less than $ million (in thousands of dollars) (9) Total of Small Business Loans by the Lending Institution () Similar to column 5, but for loans of less than $ million Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3A provides a list of the top small business lenders by state and territory The list includes the top banks or the top percent, whichever number is smaller (Ties may increase the number) The small business lending performance of a bank in a given state is measured on four criteria: TA ratio, TBL ratio, dollar amount, and number () Total Score (Total Rank) The total rank column is the score of the lender in the state in which it is listed The number is the aggregate measure of small business lending activity based on the sum of the four individual decile scores The entire table is provided on the website (2) Ratio of Small Business Loans to Total Assets (TA Ratio) This column displays the ratio of small business loans (under $ million) to total assets for each lending institution A high ratio indicates a lender s willingness to place a large portion of its assets in small business lending (3) Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (TBL Ratio) The ratio of small business loans (under $ million) to total business loans for each bank Lenders that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Small Business Loans (Amount) The dollar value (in thousands) of small business loans (<$ million) outstanding, from the lending institution at the end of June Larger lenders will score well in this column and in column 5 because their size allows them to make more small loans than smaller lenders, even if their commitment to small business lending, as shown by the ratios in columns 2 and 3, is low (5) Total of Small Business Loans () The total number of small business loans (<$ million) outstanding for each lending institution Small Business Lending in the United States,

32 (6) Institution Domestic Asset Size (Institution Asset Size) The asset size class of the reporting lending institution: Under $ million (<$M) $ million to under $5 million ($M $5M) $5 million to under $ billion ($5M $B) $ billion to under $ billion ($B $B) $ billion and over (>$B) (7) Total Score of Micro Business Loans (Total Rank) The total score of the lending institutions based on their micro business lending The total score is the sum of the four scores with respect to micro business loans of $, or less A firm looking for a loan of $, or less might do well to seek out a lender that ranks high in this column (and/or from Table 3B) (8) Dollar Amount of Micro Business Loans (Amount) The dollar value (in thousands) of micro business loans of $, or less (9) of Micro Business Loans () of small business loans of $, or less made by the bank () Credit Card Loans to Total Assets (CC Amount/TA) The ratio of the dollar value of credit card loans to total assets Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3B, similar to Table 3A, lists the top micro business lenders or the top percent, based on their micro business lending performance measured on the four criteria () Total Score (Total Rank) The total rank in this column is the score of the lending institution based on micro business lending in the state in which it is listed The number is the aggregate measure of micro business lending activity based on the sum of the four individual scores An expanded version of this table is provided on the website (2) Ratio of Micro Business Loans to Total Assets (TA Ratio) This is the ratio of micro business loans ($, or less) to total assets for each lender A high ratio indicates a lender s willingness to place a large portion of its assets in small business lending (3) Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (TBL Ratio) This column show the ratio of micro business loans ($, or less) to total business loans for each lending institution Lenders that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Micro Business Loans (Amount) The dollar value (in thousands) of micro business loans ($, or less) outstanding from the lending Small Business Lending in the United States,

33 institution Larger lenders will score well in this column and in column 5 because their size allows them to make many small loans, even if their commitment to micro business lending, as shown by the ratios in columns 2 and 3, is low (5) Total of Micro Business Loans () The total number of micro business loans ($, or less) outstanding for each lending institution (6) Institution Asset Size (Category) The asset size class of the reporting lending institution: Under $ million (<$M) $ million to under $5 million ($M $5M) $5 million to under $ billion ($5M $B) $ billion to under $ billion ($B $B) $ billion and over (>$B) (7) Total Score of Small Business Loans (Total Rank) The sum of the lenders scores based on their small business lending activity The total score is the sum of the four scores with respect to small business loans of less than $ million A firm looking for a loan of less than $ million might do well to seek out a lender that ranks high in this column (and/or in Table 3A) (8) Dollar Amount of Small Business Loans (Amount) The dollar value (in thousands) of micro business loans of less than $ million (9) of Small Business Loans () The number of loans of less than $ million made by the lender () Credit Card Loans to Total Assets (CC Amount/TA) The ratio shows the dollar value of credit card loans to total assets Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3C, similar to Tables 3A and 3B, lists the top macro business lenders or the top percent, based on their macro business lending performance measured on the four criteria () Total Score (Total Rank) The total rank in this column is the score of the lending institution based on its macro business lending in the state in which it is listed The number is the aggregate measure of macro business lending activity based on the sum of the four individual scores An expanded version of this table is provided on the website (2) Ratio of Macro Business Loans to Total Assets (TA Ratio) This is the ratio of macro business loans (between $, and $ million) to total assets for each lender A high Small Business Lending in the United States,

34 ratio indicates a lender s willingness to place a large portion of its assets in small business lending (3) Ratio of the Dollar Amount of Macro Business Loans to Total Business Loans (TBL Ratio) This column show the ratio of macro business loans (between $, and $ million) to total business loans for each lending institution Lenders that make business loans predominantly to small firms will rank high in this category (4) Total Dollar Amount of Macro Business Loans (Amount) The dollar value (in thousands) of macro business loans (between $, and $ million) outstanding from the lending institution Larger lenders will score well in this column and in column 5 because their size allows them to make many small loans, even if their commitment to micro business lending, as shown by the ratios in columns 2 and 3, is low (5) Total of Macro Business Loans () The total number of macro business loans (between $, and $ million) outstanding for each lending institution (6) Institution Domestic Asset Size (Amount) The asset size class of the reporting lending institution: Under $ million (<$M) $ million to under $5 million ($M $5M) $5 million to under $ billion ($5M $B) $ billion to under $ billion ($B $B) $ billion and over (>$B) (7) Total Score of Small Business Loans (Total Rank) The sum of the lenders scores based on their small business lending activity The total score is the sum of the four scores with respect to small business loans of less than $ million A firm looking for a loan of less than $ million might do well to seek out a lender that ranks high in this column (and/or in Table 3A) (8) Dollar Amount of Small Business Loans (Amount) The dollar value (in thousands) of small business loans of less than $ million (9) of Small Business Loans () The number of loans of less than $ million made by the lender () Credit Card Loans to Total Assets (CC Amount/TA) The ratio shows the dollar value of credit card loans to total assets Table 4A: Top Small Business Lenders by State and Territory Based on CRA Data, 2 Table 4A is derived differently from the previous tables because only CRA data are used The table lists the lending institution name the name of the owning lending institution as well as the home state of the Small Business Lending in the United States, 222 3

35 lending institution The rankings of lenders are based on the dollar amount of small business loans (under $ million) made as of December 2 The table consists only of lenders with small business loan totals of more than $5 million in a given state in 2 The dollar amount and number of micro loans of $, or less and macro small business loans between $, and $ million are provided s in parentheses represent columns in the table () Amount of Small Business Loans (Amount) The dollar amount (in thousands) of loans under $ million made in 2 (2) of Small Business Loans () The number of loans of less than $ million disbursed (3) Dollar Amount of Micro Business Loans (Amount) The dollar amount (in thousands) of loans of $, or less (4) of Micro Business Loans () The number of loans of $, or less (5) Dollar Amount of Macro Business Loans (Amount) The dollar amount (in thousands) of loans between $, and $ million (6) of Macro Business Loans () The number of larger small business loans between $, and $ million Table 4B: Top Micro Business Lenders by State and Territory Based on CRA Data, 2 Table 4B, similar to Table 4A, ranks lenders on the basis of the dollar amount of micro loans made in 2 Only lenders with micro business loan totals exceeding $ million in a given state in 2 are listed The table lists the lending institution s name the name of the owning institution or the holding company as well as the home state of the lending institution The table provides the dollar amount and number of micro business loans of $, or less, supplemented by larger small business loans of $, to $ million and all small business loans under $ million () Amount of Micro Business Loans (Amount) The dollar amount (in thousands) of loans of $, or less made as of December 2 (2) of Micro Business Loans () The number of loans of $, or less (3) Dollar Amount of Small Business Loans (Amount) The dollar amount (in thousands) of loans of less than $ million (4) of Small Business Loans () The number of loans of less than $ million (5) Dollar Amount of Macro Small Business Loans (Amount) The dollar amount (in thousands) of loans between $, and $ million Small Business Lending in the United States, 222 3

36 (6) of Macro Small Business Loans () The number of larger small business loans between $, and $ million Table 4C: Macro Business Lenders by State and Territory Based on CRA Data, 2 Table 4C, similar to Table 4B, ranks lenders on the basis of the dollar amount of macro loans made in 2 Only lenders with macro business loan totals exceeding $3 million in a given state in 2 are listed The table lists the lending institution s name the name of the owning institution or the holding company as well as the home state of the lending institution The table provides the dollar amount and number of macro business loans of $, to $ million, supplemented by all small business loans of less than $ million and all micro business loans of $, or less () Amount of Macro Business Loans (Amount) The dollar amount (in thousands) of loans between $, and $ million made as of December 2 (2) of Macro Business Loans () The number of loans of $, to $ million (3) Dollar Amount of All Small Business Loans (Amount) The dollar amount (in thousands) of loans of less than $ million (4) of Small Business Loans () The number of loans of less than $ million (5) Dollar Amount of Micro Business Loans (Amount) The dollar amount (in thousands) of loans of $, or less (6) of Micro Business Loans () The number of larger small business loans of $, or less Table 4D Total Amount and of Small Business Loans per Small Business Employee by State Based on CRA Data, 2 Table 4D is derived differently from previous CRA tables because CRA data are used in addition to small business establishment employment information from the Statistics of US Businesses (SUSB), partly funded by the US Small Business Administration, Office of Advocacy The table lists the total amount and number of loans for all small business loans and micro business loans made in the home state of the lending institution The total rank by state is based on the dollar amount of all small business loans (under $ million) made as of December of 2 divided by the number of small business employees in the state Table 5 of Reporting Institutions by Asset Size and State and Territory, Based on Call Report Data, June 27 June 22 The table provides a summary of the total number of lending institutions by state and territory for six years For the most recent year, the totals of six different asset size categories are presented for each state by lending institution Small Business Lending in the United States,

37 Data Tables In the printed version, all data tables follow the last page of the text with the exception of Tables 3A, 3B, and 3C, which show data for all lending institutions in the 5 states, the District of Columbia, and selected territories for which data are available The expanded Tables 3A, 3B, and 3C are found only on Advocacy s website, Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Table 2A Small Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2B Micro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 2C Macro Business Lending of Large Lending Institutions Based on CRA Data, 2 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Table 4A Top Small Business Lenders by State and Territory Based on CRA Data, 2 Table 4B Top Micro Business Lenders by State and Territory Based on CRA Data, 2 Table 4C Top Macro Business Lenders by State and Territory Based on CRA Data, 2 Table 4D Total Amount and of Small Business Loans Per Small Business Employee by State Based on CRA Data, 2 Table 5 of Reporting Institutions by Asset Size and State and Territory Based on Call Report Data June 27 June 22 Small Business Lending in the United States,

38 Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Micro Business Lending Macro Business Lending Name of Lending Institution American Express Co First Citizens Banchares Wintrust Financial Corp Zions Bancorp Synovus Financial Corp BB&T Corp FNB Corp Capital One Financial Corp Fulton Financial Corp Regions Financial Corp First Niagara Financial Grp Lauritzen Corp Huntington Bancshares Inc Bancorpsouth Inc TCF Financial Corp GE Capital Retail Bk* JPMorgan Chase & Co Citigroup Popular Hancock Holding Company M&T Bk Corp Bank of Amer Corp Central Bancompany Arvest Bk Grp Compass Bk Wells Fargo & Co P Financial Svc Group Bank of The West BMO Harris Bank NA Umpqua HC T D Bk NA Cullen/Frost Bkr First Horizon Nat Corp Commerce Bancshares Suntrust Bk Susquehanna Bancshares Associated Banc Corp Fifth Third Bancorp Keycorp HQ State UT NE UT PR MO AR OR DE TN MO WI Rank () TA Ratio TBL Ratio Amount ($,) (2) (3) (4) ,35,38 3,94,57 2,842,793 6,23,77 4,227,68 9,48,732,475,56 9,5,726 2,33,29 7,386,97 4,632,6 2,53,76,42,96 3,94,846,646,69,676,64,33,624 25,3,294 9,8,426 2,464,69,775,4 5,56,49 3,42,8,3,344,67,974 3,445,358 34,57,389,537,942 3,645,76 3,849,439,264,35 6,97,769,4,367,35,63,58,79 6,79,64,22,55,279,224 4,5,46 3,86,664 (5) 3,63,226 7,72 36,8 52,62 22,675 56,879 25, 2,94,573 2,8 63,394 87,93 32,53,94 34,732 5,882 9,823 76,23 2,893,892,746,96 22,73 8,76 56,5 3,277,274 4,445 4,6 69,539 67,58 22,2 38,99 46,887 9,35 56,364,78 27,253 25,56 57,543,37 28,926 7,778 58,23 Lender Asset Size (6) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B Amount ($,) (7) 6,38,89 378,394 8, ,26 539,666,922, ,853 5,872,6 87,652,67,6 4,859, ,838 5, ,757 26,856 3,863,33,624 3,4,65 5,587,76 64,682 94,239,87,373 4,9,59 48,8 73,673 63,869 8,46, 2,3, , ,44 97,474 67,76 46,892 93,649 4,422,2,554 7,84 4,22 529,222 68,444 (8) 3,63,88 5,8 26,455 32,973 9, ,449 7,8 2,9,77 9,99 4, ,856 23,84 97,542 2,53 9,44,24 76,23 2,836,55,732,92,89,452 37,45 3,22,35,3 9,47 58,533 5,97 84,38 28,97 33,66 4,764 34,79 5,664 2,766 2,29 38,79 5,54 6,85 56,554 46,548 Amount ($,) (9) 3,949 3,536,3 2,42,267 5,75,564 3,687,52 7,486,339,227,653 3,233,25,945,557 5,769,369 9,772,62 2,83,868 64,448 3,279,89,439,33,375,2,593,29 3,494,35 2,3,8,58,7 4,473,8 6,85, , ,3 2,83,489 26,54,389 8,434,44 3,52,749 3,425,35,66,56 5,59,593,264,475,2,954 97,369 4,968,86,3,69,65,4 3,522,84 2,568,22 () 38 2,62,346 9,639 3,82 33,43 7,2 4,496,7 2,77 42,75 8,689 4,399 4,2 6,44 8,583 57,34 3,996,894 7,254 8,746 57,39 4,332 5,3,6 7,4 35,82,822 3,82 4,587 2,655 6,44 5,487 4,432 8,834 5,253 2,74 5,224,683 CC Amount/TA () Page of

39 Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Micro Business Lending Macro Business Lending Name of Lending Institution Prosperity Bancshares Firstmerit Corp Valley Nat Bancorp Webster Financial Corp Peoples United Bk RBS Citizens NA Sovereign Bk NA Discover Financial Services East W Bancorp Comerica Ally Financial Iberiabank Corp Firstbank Holding Company Barclays Bk DE Rabobank NA UMB Financial Corp Cathay Gen Bancorp GE Capital Bk International Bshrs Corp Signature Bk BOK Financial Corp First Bancorp Union Bk NA BankUnited Bank of HI Corp State Farm Bk FSB HSBC Bk USA NA Washington Fed Scottrade Bk Astoria FS & LA Hudson City Svg Bk FSB Svb Financial Grp UBS Bk USA City Nat Corp Privatebancorp Northern Trust Corp USAA FSB Investors Bancorp MHC New York Cmnty BC First Republic Bk HQ State NJ CT CT RI DE LA CO DE MO UT OK PR FL HI WA MO NJ UT NJ Rank () TA Ratio TBL Ratio Amount ($,) (2) (3) (4) ,37,38,55,8,78,,695,856,969 3,24,38 2,796,643 26,777,35,924 2,839,695,964, , ,896 4,36 599, 684,53 77,69 735,67 478, , ,892 67,796,372,869 38, ,52 63,53,26,858 74,663 64,835 69,44 42,358 39, ,44 54, ,34 636, , ,68 37,825 (5) 4,936 6,599 5,34 3,799 2,948 62,262 34,52 2,259 5,39 6,366 68,244 5,25 7,76 26,447 9,943 4,552 3,34 7,83 4,23 3,36 4,39 2,99,632 3,98 3,82 8,88 9, ,82,765 3,595 2,86 2, ,4,239 Lender Asset Size (6) >$B >$5B >$5B >$5B >$5B >$5B >$B >$B >$5B >$B >$5B >$B >$B >$B >$B >$5B >$B >$B Amount ($,) (7) 65,93 72,983 46,789 95,79 58, ,24 67,928 26,777 2,523 82,858,74,22 5,89 33,664 2,694 77, 56,26 4, ,449 63,952 48,78 76,8 42,73 95,528 63,29 62,43 98,274 35,39 2, , ,565 9,37 46,777 7,537 23, ,28 6,227 4,44 (8) 2,37 2,55,523 8,562 6,439 5,728 2,96 2, ,635 67,679 2,37 5,74 26,443 7,87 2,222,47 5,274 2,522,392 2,65,298 7,36 2,9 3,2 8,65 6, ,458 47, Amount ($,) (9) 633,944,65,72,33,289 96,56,698,74 2,49,897 2,88,75,33,4 2,656, ,442 78,36 4,232, , 627, ,495 44,68 44,686 69,85 883, ,83,77,34 38,239 93,639 64,779 82,468 62,45 64,69 63,676 42,37 36,82 569,43 467, ,497 62,43 74, ,454 33,385 () 2,566 4,94 3,5 5,237 6,59,534 3,586 4,2 9, ,88, ,73 2,33,987 2,556,78,744 2,225,62 4,36, , ,724,348 2,9,364 2,93 59, CC Amount/TA () 3 Page 2 of

40 Table A Small Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Micro Business Lending Macro Business Lending Name of Lending Institution HQ State Rank TA Ratio TBL Ratio Amount ($,) Lender Asset Size Amount ($,) () (2) (3) (4) (5) (6) (7) Everbank FL ,4 652 >$B 3,994 New York Private B&TR Corp ,8 486,632 Morgan Stanley Bk NA UT , >$5B, Flagstar Bk FSB , 45 >$B 2,385 Onewest Bk FSB , >$B 356 Bank of Mellon Corp , >$5B 4,995 Goldman Sachs Group The 87 4, 6 >$5B Deutsche Bk Tc Americas 88 2, 4 USAA Svg Bank NV NR >$B State Street Corp MA NR >$5B E Trade Bk NR >$B Charles Schwab Bk NV NR >$B Third FS&LA NR >$B *The bank was formerly known as GE Money Bank, and was renamed in October 22 TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender (8) Amount ($,) (9) 55,47 39,549 25,57 9,75 7,368 5,549 4, 2, () CC Amount/TA () Source: US Small Business Administration, Office of Advocacy, from Call Report data Page 3 of

41 Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Name of Lending Institution American Express Co Capital One Financial Corp GE Capital Retail Bk* JPMorgan Chase & Co Wintrust Financial Corp Bank of America Corp Citigroup Ally Financial Lauritzen Corp BB&T Corp Regions Financial Corp Wells Fargo & Co First Citizens Banchares M&T Bk Corp FNB Corp P Financial Svc Grp First Niagara Financial Grp Compass Bk Synovus Financial Corp Huntington Banchares TCF Financial Corp Suntrust Bk Bank of The West Discover Financial Services Bancorpsouth Keycorp GE Capital Bk Barclays Bk DE Central Bancompany Zions Bancorp Arvest Bk Grp RBS Citizens NA Sovereign Bk NA State Farm Bk Financial Serv Bk First Horizon Nat Corp Webster Financial Corp Hancock Holding Company HQ State UT NE UT DE MO UT AR RI DE TN CT Rank () Micro Business Lending (less than $,k) Amount TA Ratio TBL Ratio ($,) (2) (3) (4) ,38, ,872,6 42,33, ,4, , ,859, ,9, ,587, ,74, ,648 52,922, ,67, ,46, , ,87, , ,3, , , , , , ,2, , , , , , , , , , , , , , , ,239 (5) 3,63,88 2,9,77 76,23 2,836,55 26, ,856 3,22,35,732,92 67,679 97, ,449 4,677 5,97 5,8 37,45 7,8 84,38 23,84 58,533 9,593 2,53,24 38,79 28,97 2,259 9,44 46,548 5,274 26,443,3 32,973 9,47 5,728 2,96 8,65 2,766 8,562,452 Lender Asset Size (8) >$5B >$5B >$B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$B >$5B >$5B >$5B >$B (less than $ million) Amount ($,) (6) (7) 6,35,38 9,5,726,33,624 25,3,294 2,842,793 4,632,6 3,42,8 9,8,426,964,564,42,96 9,48,732 7,386,97 34,57,389 3,94,57 5,56,49,475,56,537,942 2,53,76 3,445,358 4,227,68 3,94,846,676,64 6,79,64 3,645,76 26,777,646,69 3,86, ,67 4,36,3,344 6,23,77,67,974 3,24,38 2,796,643 63,53,35,63,,695,775,4 3,63,226 2,94,573 76,23 2,893,892 36,8 87,93 3,277,274,746,96 68,244,94 56,879 63,394 67,58 7,72 56,5 25, 22,2 32,53 69,539 22,675 34,732 9,823 57,543 38,99 2,259 5,882 58,23 7,83 26,447 4,445 52,62 4,6 62,262 34,52 8,88 27,253 3,799 8,76 Macro Business Lending ($,$ million) Amount ($,) (9) () 3,949 3,233,25,593,29 2,42,267 9,772,62 6,85,672 3,494,35 223,442 64,448 7,486,339 5,769,369 26,54,389 3,536,3 4,473,8,227,653 8,434,44 2,83,868 2,83,489 3,687,52 3,279,89,375,2 4,968,86 3,52,749,439,33 2,568,22 44,68, ,544 5,75, ,3 2,49,897 2,88,75 64,779,2,954 96,56,58,7 38 4,496 57,34,346 42,75 57,39 3, ,399 33,43 2,77 7,4 2,62 8,746 7,2 35,82 8,689,6 3,82 4,2 8,583 8,834,822 6,44,683 2, ,332 9,639 5,3,534 3, ,487 5,237 7,254 CC Amount/TA () Page 4 of

42 Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Name of Lending Institution Fulton Financial Corp Commerce Banchares Fifth Third Bancorp BMO Harris Bk NA TD Bk NA Cullen/Frost Bkr Rabobank NA Popular Associated Banc Corp Bank of HI Corp Umpqua Holding Corp Prosperity Banchares HSBC Bk USA NA International Banchares Corp Susquehanna Banchares Peoples United Bk BankUnited Union Bk NA Comerica Firstmerit Corp FirstbankHolding Corp UMB Financial Corp BOK Financial Corp IBERIABANK Corp Signature Bk Valley Nat Bancorp First Bancorp Cathay Gen Bancorp SVB FinancialGrp City Nat Corp Washington Fed USAA Federa Savings Bank East W Bancorp Privatebancorp Investors Bancorp MHC Northern Trust Corp UBS Bk USA Astoria Financial Serv & LA HQ State MO DE PR WI HI OR CT FL CO MO OK LA NJ PR WA NJ UT Rank () Micro Business Lending (less than $,k) Amount TA Ratio TBL Ratio ($,) (2) (3) (4) 3 87, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,37 9 5,764 (5) 9,99 2,29 56,554 33,66 34,79 5,664 7,87,89 6,85 3,2 4,764 2,37 6,38 2,522 5,54 6,439 2,9 7,36 6,635 2,55 5,74 2,222 2,65 2,37,392,523,298,47 3,458, Lender Asset Size (8) >$5B >$5B >$5B >$5B >$B >$5B >$5B >$B >$B >$B >$5B >$B (less than $ million) Amount ($,) (6) (7) 2,33,29,58,79 4,5,46 3,849,439 6,97,769,4, , 2,464,69,279, ,52,264,35 699,37,26, ,638,22,55,856,969 38,448,372,869 2,839,695,38,55 434, ,53 959, , ,569,8,78 67,796 77,69 39,367 54,444 74, ,35, ,34 8, ,45 588,44 69,44 2,8 25,56 7,778 46,887 56,364,78 9,943 22,73 28,926 3,82 9,35 4,936 9,558 4,23,37 2,948 3,98,632 6,366 6,599 7,76 4,552 4,39 5,25 3,36 5,34 2,99 3,34 5,82 3, ,39 2, ,773,765 7 Macro Business Lending ($,$ million) Amount ($,) (9) (),945,557 97,369 3,522,84 3,425,35 5,59,593,264, , 2,3,8,65,4 93,639,66,56 633,944 82,468 44,686,3,69,698,74 38,239,77,34 2,656,837,65,72 4, , ,874 78,36 69,85,33, ,83 666,495 36,82 467,667 62,45,33,4 428,497 74,837 62,43 569,43 63,676,7 4,432 5,224 3,82 2,655 6,44 2,73,894 2, ,587 2,566 3,77,78 5,253 6,59,8 4,36 9,73 4,94,336 2,33 2,225 2,88,744 3,5,62,987,724 2, ,2, ,93, CC Amount/TA () Page 5 of

43 Table B Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Micro Business Lending (less than $,k) (less than $ million) HQ Amount Lender Name of Lending Institution State Rank TA Ratio TBL Ratio ($,) Asset Size () (2) (3) (4) (5) (8) First Republic Bk , >$B 37,825 Bank of Mellon Corp , >$5B 55,544 Morgan Stanley Bk NA UT 79 2, 23 >$5B 26,57 Everbank FL 8 3 3, >$B 59,4 New York Cmnty Bancorp 8 6, ,68 Flagstar Bk Financial Serv BK , >$B 94, Hudson City Svg Bk Financial Ser NJ >$B 42,358 New York Priv B&TR Corp 84, ,8 Scottrade Bk MO >$B 64,835 Onewest Federal Svg BK >$B 7,724 Deutsche Bk TC Americas 87 2, USAA SVGBk NV NR >$B State Street Corp MA NR >$5B Goldman Sachs Group The NR >$5B 4, E Trade Bk NR >$B Charles Schwab Bk NV NR >$B Third Federal Svg & LA NR >$B *The bank was formerly known as GE Money Bank, and was renamed in October 22 TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender Source: US Small Business Administration, Office of Advocacy, from Call Report data Amount ($,) (6) (7), , Macro Business Lending ($,$ million) Amount ($,) (9) () 33,385 5,549 25,57 55,47 489,454 9,75 42,37 39,549 64,69 7,368 2, 4, , CC Amount/TA () Page 6 of

44 Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Name of Lending Institution HQ State Rank Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio ($,) Lender Asset Size (less than $ million) Amount ($,) Micro Business Lending (less than $,) Amount ($,) CC Amount/TA First Citizens Banchares Zions Bancrop Synovus Financial Corp Fulton Fncl Corp Wintrust Financial Corp BB&T Corp Bancorpsouth Regions Financial Corp Popular FNB Corp Huntington Banchares TCF Financial Corp Hancock Holding Corp M&T Bk Corp First Niagara Fncl Group T D Bk NA Central Bancompany BMO Harris Bk NA Umpqua Holding Corp U S Bancrop Arvest Bk Grp P Fncl Svc Group Cullen/Frost Bkr Wells Fargo & Co Bank of The West Associated Banc Corp Suntrust Bk Susquehanna Banchares Firstmerit Corp Compass Bk Peoples United Bk Valley Nat Bancrop Prosperity Banchares Bank of Amer Corp JPMorgan Chase & Co Fifth Third Bancrop East W Bancrop Commerce Banchares UT PR DE MO OR AR WI CT NJ MO () (2) (3) (4) ,536, ,75, ,687, ,945, ,42, ,486, ,439, ,769, ,3, ,227, ,279, ,375, ,58, ,473, ,83, ,59, , ,425,35 235,66, ,772, , ,434, ,264, ,54, ,52, ,65, ,968, ,3, ,65, ,83, ,698, ,33, , ,85,672 9,593, ,522, ,33, ,369 (5) 2,62 9,639 3,82,7,346 33,43 6,44 2,77,894 7,2 4,2 8,583 7,254 8,746 8,689 2,655 4,332 3,82 4,587 42,75 5,3 35,82 6,44 7,4,822 2,74 8,834 5,253 4,94,6 6,59 3,5 2,566 57,39 57,34 5,224 4,2 4,432 (6) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$B >$5B >$5B >$5B (7) (8) 3,94,57 7,72 6,23,77 52,62 4,227,68 22,675 2,33,29 2,8 2,842,793 36,8 9,48,732 56,879,646,69 5,882 7,386,97 63,394 2,464,69 22,73,475,56 25, 3,94,846 34,732,676,64 9,823,775,4 8,76 5,56,49 56,5 2,53,76 32,53 6,97,769 56,364,3,344 4,445 3,849,439 46,887,264,35 9,35 4,632,6 87,93,67,974 4,6,537,942 22,2,4,367,78 34,57,389 67,58 3,645,76 38,99,279,224 28,926 6,79,64 57,543,22,55,37,38,55 6,599 3,445,358 69,539,856,969 2,948,8,78 5,34 699,37 4,936 3,42,8 3,277,274 25,3,294 2,893,892 4,5,46 7,778,35,924 5,39,58,79 25,56 (9) () 378,394 5,8 526,26 32, ,666 9,593 87,652 9,99 8,526 26,455,922, ,449 26,856 9,44,67,6 4,677 64,682,89 247,853 7,8 635,757 2,53 3,863,24 94,239,452,87,373 37,45 446,838 23,84 67,76 34,79 48,8,3 424,44 33,66 97,474 4,764 4,859, ,856 73,673 9,47 2,3,528 84,38 46,892 5,664 8,46, 5,97 592,967 28,97 4,22 6,85,2,554 38,79 7,84 5,54 72,983 2,55 63,869 58,533 58,228 6,439 46,789,523 65,93 2,37 4,9,59 3,22,35 3,4,65 2,836,55 529,222 56,554 2, ,422 2,29 () Page 7 of

45 Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Name of Lending Institution HQ State Rank Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio ($,) Lender Asset Size (less than $ million) Amount ($,) Micro Business Lending (less than $,) Amount ($,) CC Amount/TA First Horizon Nat Corp Webster Fncl Corp Keycorp Comerica Capital One Financial Corp Lauritzen Corp Iberiabank Corp Sovereign Bk NA Citigroup RBS Citizens NA UMB Financial Corp Cathay Gen Bancrop Firstbank Holding Corp Rabobank NA Signature Bk BOK Financial Corp International Banchares First Bancrop Union Bk NA BankUnited UBS Bk USA Washington Fed Astoria FS & LA GE Capital Bk Scottrade Bk Bank of HI Corp Privatebancorp City Nat Corp Northern Trust Corp Hudson City Svg Bk FSB HSBC Bk USA NA SVB Fncl Grp Investors Bancrop MHC New York Cmnty Bancrop First Republic Bk Everbank New York Priv B&TR Corp Morgan Stanley Bk NA TN CT NE LA DE RI MO CO OK PR FL UT WA UT MO HI NJ NJ FL UT () (2) (3) (4) 44 8,2, , ,568, ,656, ,233, , , ,88,75 5 3,494, ,49, , , , , , , , , ,77, , , , , , , , , , , , , , , , ,385 55, , ,57 (5) 5,487 5,237,683 9,73 4,496 4,399 2,88 3,586 3,996,534 2,33,987,336 2,73,744 2,225,78,62 4,36,8, , ,364 2,9 2, ,77,724 59, (6) >$5B >$5B >$5B >$5B >$5B >$5B >$B >$5B >$B >$B >$B >$B >$5B >$B >$5B >$B >$B >$5B (7) (8),35,63 27,253,,695 3,799 3,86,664 58,23 2,839,695 6,366 9,5,726 2,94,573,42,96,94 758,549 5,25 2,796,643 34,52 9,8,426,746,96 3,24,38 62, ,53 4,552 77,69 3,34 434,896 7,76 599, 9, ,569 3,36 959,892 4,39 478,638 4,23 67,796 2,99,372,869,632 38,448 3,98 588,44,765 74, , ,67 7,83 64, ,52 3,82 446,34 2,86 54,444 3, ,45 2,773 42,358 86,26,858 9,558 39,367 5,82 8, ,68,4 37,825,239 59, , , (9) () 93,649 2,766 95,79 8,562 68,444 46,548 82,858 6,635 5,872,6 2,9,77 5,648 97,542 5,89 2,37 67,928 2,96 5,587,76,732,92 749,24 5,728 56,26 2,222 4,574,47 33,664 5,74 77, 7,87 48,78,392 76,8 2,65 63,952 2,522 42,73,298 95,528 7,36 63,29 2,9 9, , , ,449 5, ,43 3,2 7, ,777,55 23, ,39 6,38 29,565 3,458 6, , , ,994 48,632 2, 23 () 25 3 Page 8 of

46 Table C Macro Business Lending of Large Lending Institutions Based on Call Report Data, June 22 Macro Business Lending Micro Business Lending ($, $ million) (less than $ million) (less than $,) HQ Amount Lender Amount CC Name of Lending Institution State Rank TA Ratio TBL Ratio ($,) Asset Size ($,) Amount ($,) Amount/TA () (2) (3) (4) (5) (6) (7) (8) (9) () () Flagstar Bk FSB , >$B 94, 45 2, Ally Financial , >$5B,964,564 68,244,74,22 67,679 State Farm Bk FSB , >$B 63,53 8,88 98,274 8,65 Onewest Bk FSB , >$B 7, Bank of Mellon Corp , >$5B 55, , American Express Co , >$5B 6,35,38 3,63,226 6,38,89 3,63,88 28 Goldman Sachs Group The 83 4, 6 >$5B 4, 6 Barclays Bk DE DE 83 4, ,36 26,447 2,694 26,443 Deutsche Bk TC Americas 85 2, 3 2, 4 USAA Svg Bk NV NR >$B State Street Corp MA NR >$5B Discover Financial Services NR >$5B 26,777 2,259 26,777 2,259 USAA FSB NR >$B E Trade Bk NR >$B GE Capital Retail Bk* UT NR >$B,33,624 76,23,33,624 76,23 Charles Schwab Bk NV NR >$B Third FS&LA NR >$B *The bank was formerly known as GE Money Bank, and was renamed in October 22 TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender Source: US Small Business Administration, Office of Advocacy, from Call Report data Page 9 of

47 Table 2A Small Business Lending of Large Lending Institutions Based on CRA Data, 2 Name of Lending Institution First Citizens Bancshares Synovus Financial Corp Zions Bancorp Regions Fiancial corp Huntington Bancshares BB&T Corporation Wintrust Financial Corp Hancock Holding Company Central Bancompany Capital One Financial Corp Arvest Bk Grp Lauritzen Corp FNB Corp Popular JPMorgan Chase & Co Bancorpsouth First Niagara Fncl Group Wells Fargo & Co P Fncl Svc Group Bank of America Corp Bank of The West M&T Bk Corp Cullen/Frost Bkr Commerce Bancshares Fulton Fncl Corp TD Bank NA Compass Bank Umpqua Holding Corp Suntrust Bk Prosperity Bancshares Fifth Third Bancorp Susquehanna Bancshares Comerica Associated Banc Corp Valley Nat Bancorp First Horizon Nat Corp American Express Co Citigroup Firstmerit Corp Keycorp HQ State or Territory UT MO AR NE PR MO ME OR WI NJ TN Total Rank () TA Ratio (2) (less than $ million) Amount TBL Ratio (,) (3) (4) ,,23 2,56,294 2,8,6 4,74,95 2,5,484 5,432,97 979,265,346,39 848,954 3,36,5 927,36 65,422 7,48,644 76, ,26,73,35 545, ,52 26,94,774 8,494,26 9,945,8,693,234,422,73,28, ,58 464,82,648,265,4,72 56,45 2,764,9 369,99 3,48,35 487,4 2,77,86 776,63 56, ,299 34,27 648,94 42,265,23,852 (5) 4,834 2,593 25,367 74,7 8,793 25,22 4, 7,489 6, ,673 9,44 5,45 33,24 3,668,88 624,86 5,55 6, ,33 87,483 24,67 4,36 8,96 4,8 5,589 2,248 2,49 7,93 2,663 4,795 3,67 8,235 2,85 7,437 3,84 2,666 3, ,9 2,35 6,757 No of States & Territories w/loans (6) Institution Asset Size (7) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B Micro Busines Lending (less than $,) Amount (,) (8) (9) 3,344,244 32,765 7,29 587,495 9,552,778,6 66,7 465,52 4,344 69,357 2,32 76,766,962 76,284 4,28 5,75 4,77,798,588 33,378 94,39 6, ,897 4,89 3,266,66 292,238 82,69,92 336,432 9,94 6,66,78 63,696 27,4 4,22 5,678 4,384 6,775, ,63 2,93,588 72,23 3,2, ,49 34,854, ,566 4,96 9,33,744 2,48 3,84 5,367,83 578,4 6,787 53,542 6,88 68,237, ,96 8,978 73,62 2,84 364,293,363 74,92,693 78,277 2,948 62,443,28 65,642,663 83,72, ,748 6,53 39,23,338 7,258 4,69 Page of

48 Table 2A Small Business Lending of Large Lending Institutions Based on CRA Data, 2 (less than $ million) HQ State or Total Amount Name of Lending Institution Territory Rank TA Ratio TBL Ratio (,) () (2) (3) (4) (5) Ally Financial ,442,226 4,385 RBS Citizens NA RI ,99,292 7, UMB Financial Corp MO ,84 3,73 TCF Financial Corp , BMO Harris Bank NA ,297 4,742 Iberiabank Corp LA ,27 2,683 Webster Fncl Corp CT ,95 2,42 Discover Financial Services ,69 4,44 Firstbank Holding Company CO ,554 3,34 HSBC Bank USA NA ,635,725 4,29 GE Capital Financial Inc UT ,54 6,78 Union Bank NA ,,798,63 East W Bancorp , International Bshrs Corp ,857 2,328 Signature Bank ,438 2,78 Cathay Gen Bancorp , Rabobank NA , City Nat Corp ,988 2,96 BOK Financial Corp OK ,663,538 Bank of HI Corp HI , First Bancorp PR , New York Cmnty Bancorp ,75 4,77 SVB Fncl Grp ,73,584 Banco Santander De Puerto RI PR , PrivateBancorp ,2 788 Northern Trust Corp ,29,32 First Republic Bank ,87 7 Investors Bancorp MHC NJ , New York Priv B&TR Corp ,74 39 Morgan Stanley Bank NA UT , Bank of Mellon Corp ,9 34 Goldman Sachs Group The NR, Deutsche Bk Trust Company NR 2,876 4 Source: US Small Business Administration, Office of Advocacy, from Community Reivestment Act reports No of States & Territories w/loans (6) Institution Asset Size (7) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B Micro Busines Lending (less than $,) Amount (,) (8) (9),32,2 4,57 237,84 4,723 66,838 2,429 2, ,85 3,363 66,859,377 79,756,587 55,69 4,44 36,5 2, ,653 37,63 23,68 5, ,34 9,69 8, ,33,695 39, , , ,69,329 3, , , ,256 4,393 3,752,93 8,793 49, ,7 42, , ,67 3 Page of

49 Table 2B Micro Business Lending of Large Lending Institutions Based on CRA Data, 2 Micro Business Lending (less than $,) (less than $ million) HQ State No of States & or Total Territories Institution Name of Lending Institution Territory Rank TA Ratio TBL Ratio Amount (,) w/loans Asset Size Amount (,) () (2) (3) (4) (5) (6) (7) (8) (9) First Citizens Bancshares ,344, ,,23 4,834 Zions Bancorp UT ,495 9, >$5B 2,8,6 25,367 Synovus Financial Corp ,765 7, ,56,294 2,593 Popular PR ,432 9,94 966,26,88 BancorpSouth ,4 4, ,447 5,55 Regions Financial Corp ,778,6 66,7 5 >$5B 4,74,95 74,7 Arvest Bk Grp AR ,39 6, ,36 9,44 BB&T Corp ,357 2,32 4 >$5B 5,432,97 25,22 Central Bancompany MO ,75 4, ,954 6,746 Huntington Bancshares ,52 4, >$5B 2,5,484 8,793 Hancock Holding Company ,284 4,28 3,346,39 7,489 FNB Corp ,69, ,474 3,668 Wintrust Financial Corp ,766, ,265 4, ,266,66 292, >$5B 7,48,644 33,24 First Niagara Fncl Grp ,678 4, ,52 6,275 Compass Bank ,542 6,88 4 >$5B,4,72 7,93 Wells Fargo & Co ,775, ,63 52 >$5B 26,94, ,33 P Fncl Svc Group ,93,588 72,23 49 >$5B 8,494,26 87,483 TD Bank NA ME ,4 6, >$5B,648,265 2,49 Prosperity Bancshares ,62 2, ,99 3,67 Lauritzen Corp NE ,897 4, ,422 5,45 Bank Of The West ,854, >$5B,693,234 4,36 Cullen/Frost Bkr ,33,744 6,28,735 4,8 M&T Bk Corp ,566 4,96 25 >$5B,422,73 8,96 Umpqua Holding Corp OR ,237,383 56,45 2,663 Commerce Bancshares MO ,48 3, ,58 5,589 Fulton Fncl Corp ,367, ,82 2,248 Susquehanna Bancshares ,92, ,4 2,85 JPMorgan Chase & Co ,66,78 63,696 5 >$5B,73,35 624,86 Capital One Financial Corp 3 2,798,588 33, >$5B 3,36,5 335,673 Bank of America Corp ,2, ,49 55 >$5B 9,945,8 24,67 Fifth Third Bancorp ,293, >$5B 3,48,35 8,235 Valley Nat Bancorp NJ ,642, ,495 2,666 First Horizon Nat Corp TN ,72, ,299 3,42 Webster Fncl Corp CT ,756, ,95 2,42 Suntrust Bk ,96 8,978 5 >$5B 2,764,9 4,795 Firstmerit Corp ,23, ,265 2,35 Iberiabank Corp LA ,859, ,27 2,683 Comerica ,277 2,948 4 >$5B 2,77,86 7,437 UMB Financial Corp MO ,838 2, ,84 3,73 Associated Banc Corp WI ,443, ,63 3,84 Page 2 of

50 Table 2B Micro Business Lending of Large Lending Institutions Based on CRA Data, 2 Micro Business Lending (less than $,) (less than $ million) HQ State No of States & or Total Territories Institution Name of Lending Institution Territory Rank TA Ratio TBL Ratio Amount (,) w/loans Asset Size Amount (,) () (2) (3) (4) (5) (6) (7) (8) (9) HSBC Bank USA NA ,653 37,63 52 >$5B,635,725 4,29 Ally Financial ,32,2 4,57 52 >$5B,442,226 4,385 RBS Citizens NA RI ,84 4, >$5B,99,292 7, TCF Financial Corp , , Union Bank NA ,34 9,69 9 >$5B,,798,63 Keycorp ,258 4,69 34 >$5B,23,852 6,757 Firstbank Holding Corp CO ,5 2, ,554 3,34 GE Capital Financial Inc UT ,68 5, ,54 6,78 BMO Harris Bank NA ,85 3, >$5B 585,297 4,742 International Bshrs Corp ,33, ,857 2,328 Citigroup ,748 6,53 35 >$5B 648,94 7,9 Signature Bank , ,438 2,78 Cathay Gen Bancorp , , East W Bancorp , , Rabobank NA , , BOK Financial Corp OK , ,663,538 First Bancorp PR , , City Nat Corp ,69, ,988 2,96 Bank of HI Corp HI , , Banco Santander De Puerto RI PR , >$5B 93, SVB Fncl Grp ,752, ,73,584 New York Cmnty Bancorp ,256 4, ,75 4,77 PrivateBancorp , ,2 788 Investors Bancorp MHC NJ , , Northern Trust Corp , >$5B 383,29,32 First Republic Bank 67 74, ,87 7 New York Priv B&TR Corp ,74 39 Morgan Stanley Bank NA UT >$5B 5, Discover Financial Services 7 55,69 4,44 53 >$5B 55,69 4,44 Bank of Mellon Corp 7 44, >$5B 58,9 34 American Express Co >$5B 34,27 25 Goldman Sachs Group The NR >$5B, Deutsche Bk Trust Company NR 2 2,876 4 Source: US Small Business Administration, Office of Advocacy, from Community Reivestment Act reports Page 3 of

51 Table 2C Macro Business Lending of Large Lending Institutions Based on CRA Data, 2 Name of Lending Institution BB&T Corp Bank of America Corp Jpmorgan Chase & Co Capital One Financial Corp Regions Financial Corp Synovus Financial Corp First Citizens Bancshares Wintrust Financial Corp Wells Fargo & Co Huntington Bancshares PFncl Svc Group M&T Bk Corp Arvest Bk Grp FNB Corp Central Bancompany Suntrust Bk Zions Bancorp First Niagara Fncl Grp Hancock Holding Corp Bank of The West Lauritzen Corp Keycorp Fifth Third Bancorp Citigroup Cullen/Frost Bkr Bancorpsouth Commerce Bshrs RBS Citizens NA Compass Bank First Horizon Nat Corp Fulton Fncl Corp Comerica TD Bank NA Associated Banc Corp GE Capital Financial Inc American Express Co Ally Financial Umpqua Holdingn Corp TCF Financial Corp Webster Fncl Corp HQ State or Territory AR MO UT NE MO RI TN ME WI UT OR CT Total Rank () Macro Business Lending ($,$ million) No of States & TA Ratio (2) TBL Ratio (3) Amount (,) (4) (5) Territories w/loans (6) 52 4,823,64 2, ,23,983, ,843,446 8, ,546,47, ,56,427 4, ,926,99 8, ,843,529 5, ,689,886 4, ,499 2, ,49,39 3, ,64,432 4, ,562,672 5, ,95,37 3, ,7 2, ,783, ,879 2, ,466,93 5, ,23,665 5, ,374, ,7,6 3, ,388,38 3, ,525, ,86,594 2, ,683,742 6, ,93, ,422 2, ,443, ,28, ,478 2, ,7, ,227, ,85, ,899,584 4, ,7,6 3, ,87, , , , ,24, , , Institution Asset Size (7) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B (less than $ million) Amount (,) (8) (9) 5,432,97 25,22 7,48,644 33,24 9,945,8 24,67,73,35 624,86 3,36,5 335,673 4,74,95 74,7 2,56,294 2,593 2,,23 4, ,265 4, 26,94, ,33 2,5,484 8,793 8,494,26 87,483,422,73 8,96 927,36 9,44 76,474 3, ,954 6,746 2,764,9 4,795 2,8,6 25, ,52 6,275,346,39 7,489,693,234 4,36 65,422 5,45,23,852 6,757 3,48,35 8, ,94 7,9,28,735 4,8 545,447 5,55 756,58 5,589,99,292 7,,4,72 7,93 629,299 3,42 464,82 2,248 2,77,86 7,437,648,265 2,49 776,63 3,84 54,54 6,78 34,27 25,442,226 4,385 56,45 2,663 98, ,95 2,42 Page 4 of

52 Name of Lending Institution Popular HSBC Bank USA NA BMO Harris Bank NA Prosperity Bancshares UMB Financial Corp Union Bank NA Signature Bank Susquehanna Bancshares City Nat Corp Bank of HI Corp Iberiabank Corp International Bshrs Corp Rabobank NA Firstmerit Corp Valley Nat Bancorp BOK Financial Corp Banco Santander De Puerto RI Firstbank Holding Corp Cathay Gen Bancorp East W Bancorp SVB Fncl Grp PrivateBancorp First Bancorp Discover Financial Services Investors Bancorp MHC Northern Trust Corp First Republic Bank New York Cmnty Bancorp Morgan Stanley Bank NA Bank of Ny Mellon Corp New York Priv B&TR Corp Deutsche Bk Trust Company New York Priv B&TR Corp HQ State or Territory PR MO HI LA NJ OK PR CO PR NJ UT Table 2C Macro Business Lending of Large Lending Institutions Based on CRA Data, 2 Total Rank () Macro Business Lending ($,$ million) No of States & TA Ratio (2) TBL Ratio (3) Amount (,) (4) (5) Territories w/loans (6) ,829, ,72 2, ,447, , ,246, ,664, ,74, ,488, ,379, , ,348, , , , ,853, , , , , , , , , , , , , , , , , , Source: US Small Business Administration, Office of Advocacy, from Community Reivestment Act reports Institution Asset Size (7) >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B >$5B (less than $ million) Amount (,) (8) (9) 966,26,88,635,725 4,29 585,297 4, ,99 3,67 65,84 3,73,,798,63 64,438 2,78 487,4 2,85 744,988 2,96 49, ,27 2, ,857 2, , ,265 2,35 56,495 2, ,663,538 93, ,554 3,34 297, , ,73,584 32, , ,69 4,44 47, ,29,32 34, ,75 4,77 5, ,9 34 2, ,876 4, Page 5 of

53 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City HQ State Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) (5) Institution Asset Size (6) Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) CC Amount/TA () Denali State Bank Fairbanks AK , ,89 2 First Metro Bank The Bank of Vernon Farmers and Merchants Bank Bank Independent CCB COMMUNITY BANK Traders & Farmers Bank Metro Bank Vantage Bank of Alabama TownCountry National Bank Citizens Bank & Trust Traditions Bank PrimeSouth Bank Sweet Water State Bank Muscle Shoals Vernon Piedmont Sheffield Andalusia Haleyville Pell City Albertville Camden Guntersville Cullman Tallassee Sweet Water ,462 63,587 39, ,32 97,726 5,54 9,3 27,683 26,325 58,8 43,9 33,35 26,567, ,35,274 7, BB <M <M <M ,34 8,75 39,836 45,265 22,77 5,54 8,952 7,684 9,879 3,34,839 2,426 26,567, , First State Bank of DeQueen De Queen First National Bank & Trust Company Mountain Home The First National Bank of Lawrence CWalnut Ridge Bank of Salem Salem PEOPLES BANK Sheridan First Community Bank Batesville One Bank & Trust, National Associati Little Rock First National Bank of North ArkansasBerryville First Arkansas Bank and Trust Jacksonville Bank of Star City Star City Simmons First Bank of Northeast Ark Jonesboro Bank of Little Rock Little Rock AR AR AR AR AR AR AR AR AR AR AR AR ,662 75,789 3,386 26,2 35,942 35,77 88,557 33,98 6,539 26,55 54,772 4, , , ,662 5,934 3,386 26,2 7,922 32,455 6,229 2,944 63,55 5,59 8,665 7, , , The Foothills Bank Bank of Tucson Commerce Bank of Arizona Yuma Tucson Tucson AZ AZ AZ ,37 85,649 73, ,63 5,666 4, National Bank of California Los Angeles BBCN Bank Los Angeles Pacific Enterprise Bank Irvine Mission Valley Bank Sun Valley Borrego Springs Bank, National AssocLa Mesa Community West Bank, National AssoGoleta Tri Counties Bank Chico ,467,557,424,755 87,754 65,23 29,84 436, , ,2 78 3,84 BB BB ,2 68,74,34 2,892,544 7,59 43, , , ,289 Page 6 of

54 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution Community Commerce Bank Plaza Bank Universal Bank Bank of the Sierra City Claremont Irvine West Covina Porterville HQ State Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , ,583 Institution (5) Asset Size (6) ,62 BB Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 675 2, , ,67 7 2, CC Amount/TA () Yampa Valley Bank Steamboat Spring First State Bank of Colorado Hotchkiss High Country Bank Salida Valley Bank & Trust Brighton The Colorado Bank and Trust Compa La Junta Fort Morgan State Bank Fort Morgan Canon National Bank Canon City Points West Community Bank Julesburg Collegiate Peaks Bank Buena Vista North Valley Bank Thornton CO CO CO CO CO CO CO CO CO CO ,454 42,33 4,643 47,77 8,22 29,523 43,376 3,22 5,6 35, <M ,89 4,487 4,45 3,93 5,39 4,985 2,879 4,77 4,684 2, NEW ENGLAND BANK Enfield Connecticut Community Bank, NationWestport Quinnipiac Bank & Trust Company Hamden Fairfield County Bank Ridgefield Naugatuck Savings Bank Naugatuck CT CT CT CT CT ,642,322 36,85 237,36 56,828, ,498,89 <M BB ,626 7,83 5,537 2,92 9, Industrial Bank Washington DC , , FIA Card Services, National AssociatioWilmington Chase Bank USA, National Associatio Newark DE DE ,33,4 5,49,294 2,93,3,553,297 >5B >5B 5,928,629 4,857,65 2,922,335,549, BankFIRST Winter Park Fidelity Bank of Florida, National AssoMerritt Island American Enterprise Bank of Florida Jacksonville Executive National Bank Miami Platinum Bank Brandon Florida Traditions Bank Dade City Premier Bank Tallahassee FirstAtlantic Bank Jacksonville United Legacy Bank Winter Park Summit Bank, National Association Panama City Bank of St Augustine Saint Augustine Florida Gulf Bank Fort Myers Mainstreet Community Bank of FloridDeland FL FL FL FL FL FL FL FL FL FL FL FL FL ,4 33,734 73,49 5,976 29,734 79,556 67,88 72,32 53,869 54,86 44,5 92,5 53, ,83 5,252 4,849 2,36 3,35 6,937 5,86 7,853 3,24 2,627 4,856 7,279 5, Page 7 of

55 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City Bank of the Federated States of Micr Pohnpei HQ State FM Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,32 (5) 83 Institution Asset Size (6) Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9),36 25 CC Amount/TA () Guardian Bank Glennville Bank Farmers State Bank BB&T Financial, FSB Waycross Bank & Trust First National Bank South Bank of Hazlehurst Bank of Dudley First Madison Bank & Trust Bank of Terrell Altamaha Bank and Trust Company Valdosta Glennville Dublin Columbus Waycross Alma Hazlehurst Dudley Colbert Dawson Vidalia ,625 46,25 4, ,7 69,782 83,34 28,282 46,395 52,25 36,74 35, , , BB <M ,253 46,25 4, ,544 4,683 2,868 28,282 7,75 7,686 6,626 8, , Bank of Guam Hagatna GU ,452 9,7 BB 2,387 7,578 First Hawaiian Bank Pacific Rim Bank Honolulu Honolulu HI HI ,96 39,256 7, B5B 4 47,47,66 5, Ohnward Bank & Trust Cascade The Libertyville Savings Bank Fairfield First Central State Bank De Witt Corydon State Bank Corydon American State Bank Osceola Northwest Bank and Trust Company Davenport Houghton State Bank Red Oak First Trust and Savings Bank Wheatland Gateway State Bank Clinton Farmers State Bank Algona IA IA IA IA IA IA IA IA IA IA ,89 34,993 77,564 9,93 26,323 49,23 4,9 2,845 27,574 7, <M <M 95 7,77 34,993 9,48 9,93 26,323 3,76 2,394 2,845 6,7 6, Syringa Bank Boise D L Evans Bank Burley ID ID ,37 7,58 549, ,73 25,2 258,45 4 ABC Bank Chicago Allied First Bank,sb Oswego Ipava State Bank Ipava Central State Bank Clayton Metrobank Berwyn BankChampaign, National Associatio Champaign State Bank of Arthur Arthur Crystal Lake Bank and Trust CompanyCrystal Lake ,295 28,52 23,43 8,65 54,68 5,26 22,289 22, , ,593 <M <M ,869,52 23,43 8,65 7,688 6,56 22,289 72, , ,832 Page 8 of

56 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City The First Bank and Trust Company of Murphysboro The Clay City Banking Co Clay City Old Plank Trail Community Bank, Nat New Lenox First Southern Bank Carbondale Beverly Bank & Trust Company, NatioChicago Itasca Bank & Trust Co Itasca The Foster Bank Chicago First State Bank of Beecher City Beecher City HQ State Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 29 2, , , , , , , ,953 Institution (5) Asset Size (6) 294 <M 248 <M 6, , <M Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 2, , ,84 5,636, ,743 6, , ,2 93 5, CC Amount/TA () MainSource Bank Greensburg Community First Bank of Indiana Kokomo First State Bank of Middlebury Middlebury German American Bancorp Jasper Farmers State Bank Lagrange The New Washington State Bank New Washington Lake City Bank Warsaw Citizens State Bank of New Castle, IndNew Castle First Federal Savings Bank Huntington Greenfield Banking Company Greenfield Grabill Bank Grabill The Riddell National Bank Brazil IN IN IN IN IN IN IN IN IN IN IN IN ,42 74,96 6, ,887 79,578 57,342 73,57 38,2 57,754 6,6 26,96 35,56 2, , , BB BB BB ,7 8,642 4,85 37,994 6,397 7,3 32,22 5,59 5,435 7,46 5,468 2,95, , , The Wilson State Bank Wilson Home Bank and Trust Company Eureka Commercial Bank Parsons Patriots Bank Garnett The First State Bank Norton The Union State Bank of Everest Everest Community First National Bank Manhattan Garden City State Bank Garden City The Citizens State Bank Gridley University Bank Pittsburg The Citizens State Bank of Cheney, KaCheney Alliance Bank Topeka First Bank of Newton Newton KS KS KS KS KS KS KS KS KS KS KS KS KS ,896 34,462 28,665 22, 35,55 39,39 37,92 28,4 4,425 36,275 2,93 2,987 3, <M <M <M <M <M <M ,896 34,462 4,727 3,37 35,55 3,478 4,722 7,93 4,425 4,99 4,543 4,97 7, Bank of Columbia Columbia The Paducah Bank and Trust CompanPaducah Peoples Exchange Bank Stanton Hyden Citizens Bank Hyden Wilson & Muir Bank & Trust Compan Bardstown KY KY KY KY KY ,88 5,48 64,53 3,663 8, ,587 8,596 9,883 8,7 3, Page 9 of

57 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City Heritage Bank, Inc Erlanger Town Square Bank, Inc Ashland Taylor County Bank Campbellsville Stock Yards Bank & Trust Company Louisville United Community Bank of West KenMorganfield Ohio Valley Financial Group Henderson The Monticello Banking Company Monticello Magnolia Bank, Incorporated Magnolia Citizens Bank of Cumberland County, Burkesville HQ State KY KY KY KY KY KY KY KY KY Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , ,9 Institution (5) Asset Size (6) ,99 BB , <M Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 55 7, , , , , , , , ,62 38 CC Amount/TA () 3 Gulf Coast Bank and Trust Company New Orleans Tensas State Bank Newellton Citizens National Bank, NA Bossier City Homeland Federal Savings Bank Columbia Gibsland Bank & Trust Company Gibsland Guaranty Bank & Trust Company of DDelhi Bank of Erath Erath Vermilion Bank & Trust Company Kaplan The Bank Jennings City Savings Bank & Trust Company Deridder LA LA LA LA LA LA LA LA LA LA ,76 35,74 33,273 38,636 62,894 35,986 33,476 28,645 38,85 48,922,76 49, <M ,948 35,74 22,435,235 5,93 7,483 33,476 28,645 4,572, Mercantile Bank and Trust Company Boston North Middlesex Savings Bank Ayer Enterprise Bank and Trust Company Lowell The Bank of Canton Canton North Shore Bank, a Cooperative Ba Peabody The Milford National Bank and Trust Milford Hometown Bank, A Cooperative BankWebster The Rockport National Bank Rockport The Cape Cod Five Cents Savings Ban Harwich Port The Community Bank, A Massachuse Brockton MA MA MA MA MA MA MA MA MA MA ,44 73,5 455,99 37,579 3,34 63,54 68,76 59,97 255,759 64, , ,9 43 BB BB ,852,375 53,557 3,875 7,59 4,448 5,24 5,8 23,86 5, , , Provident State Bank, Inc Community Bank of TriCounty Frederick County Bank Howard Bank Hebron Savings Bank County First Bank Capital Bank, National Association The Peoples Bank Preston Waldorf Frederick Ellicott City Hebron La Plata Rockville Chestertown MD MD MD MD MD MD MD MD ,86 23,43 82,97,88 92,83 52,52 87,2 54,366 7, ,434 7,797 8,442 8,23,797 7,84 5,24, Page 2 of

58 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Small Business Lending Micro Business Lending (less than $ million) (less than $,) HQ Total Amount Institution Total Amount CC Name of Lending Institution City State Rank TA Ratio TBL Ratio (,) Asset Size Rank (,) Amount/TA () (2) (3) (4) (5) (6) (7) (8) (9) () Katahdin Trust Company Patten ME ,48 2, ,634,842 Franklin Savings Bank Farmington ME ,29,298 86,29,298 Sanford Institution for Savings Sanford ME , , Northern Michigan Bank & Trust Escanaba 45, ,5 96 Central Savings Bank Sault Sainte Mar 38 77, , st State Bank Saginaw , , LakeOsceola State Bank Baldwin 297 5, , Alden State Bank Alden ,68 562, Michigan Commerce Bank Ann Arbor ,572,48 575, Traverse City State Bank Traverse City , , Honor Bank Honor , , First Bank, Upper Michigan Gladstone , ,4 425 The Bank of Holland Holland ,386, , Main Street Bank Bingham Farms , ,45 74 PrinsBank Prinsburg 6 68, ,59 52 Prior Lake State Bank Prior Lake , ,933 2 Western National Bank Duluth 33 38, , Stearns Bank Holdingford National AsHoldingford ,72 2,2 29,632 2,65 Gateway Bank Mendota Heights , , The First National Bank of Walker Walker , , Park Midway Bank, National AssociatSaint Paul , ,83 34 Castle Rock Bank Castle Rock 94 29, ,62 3 Home State Bank Litchfield , , Lakes State Bank Pequot Lakes , , Farmers and Merchants State Bank o Blooming Prairie 246 7, <M 7, Bank of Zumbrota Zumbrota , , Roundbank Waseca , ,9 336 Drake Bank Saint Paul ,7 353 <M 5, Mid America Bank Linn MO , , Missouri Bank and Trust Company of Kansas City MO ,266, ,2, Citizens Bank of Newburg Rolla MO , , Liberty Bank Springfield MO ,48 2,6 BB 7,89,65 Community State Bank of Missouri Bowling Green MO 8 36, , The Maries County Bank Vienna MO 36 47,338, ,6,4 Metz Banking Company Nevada MO 273 7, <M 7, Central Bank of Lake of the Ozarks Osage Beach MO ,239,77 6,5,279 4 First Independent Bank Aurora MO 243 2, <M 5,655 9 The Corner Stone Bank South West City MO 73 2,62 57, Page 2 of

59 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution Commercial Bank First National Bank The Nodaway Valley Bank Peoples Community Bank City Saint Louis Camdenton Maryville Greenville HQ State MO MO MO MO Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,4 48 4, , ,796 Institution (5) Asset Size (6) , Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 75 8, , ,943,692, CC Amount/TA () 3 First State Bank Farmers and Merchants Bank Peoples Bank RiverHills Bank Bank of Kilmichael First Southern Bank State Bank & Trust Company Bank of Okolona PriorityOne Bank Planters Bank & Trust Company Guaranty Bank and Trust Company Waynesboro Baldwyn Mendenhall Port Gibson Kilmichael Columbia Greenwood Okolona Magee Indianola Belzoni ,386 63,86 6,77 72,252 36,67 65,23 68,57 22,683 89,69 94,64 97,664,258, , ,29,775, ,386 63,86 5,56 2,35 36,67 6,62 25,377 22,683 7,532 29,582 24,425,258, , ,427, First Montana Bank, Inc Libby West One Bank Kalispell Freedom Bank Columbia Falls Mountain West Bank, National AssocHelena First Valley Bank Seeley Lake Prairie Mountain Bank Great Falls Flathead Bank of Bigfork, Montana Bigfork The Yellowstone Bank Laurel Bitterroot Valley Bank Lolo MT MT MT MT MT MT MT MT MT ,6 4,955 2,389 46,4 5,732 28,24 4,334 8,577 82, , ,9 862 <M <M <M <M ,34 3,85 3,493 2,692 3,94 2,98 7,526 5,498, The Fidelity Bank Fuquay Varina First Bank Troy Yadkin Valley Bank and Trust CompanElkin Harrington Bank, FSB Chapel Hill Surrey Bank & Trust Mount Airy Bank of Oak Ridge Oak Ridge Forest Commercial Bank Asheville Carolina Trust Bank Lincolnton Southern Community Bank and Trust Winston Salem ,78 67,256 49,56 86,48 74,99 87,339 72,75 73,37 274,35 2,55 6,26 4, ,537 BB BB BB BB ,228 4,633 62,89 3,798 6,887 7,7 2,294 9,888 36, ,885 2, Northland Financial Steele Western State Bank Devils Lake BlackRidgeBANK Fargo American State Bank & Trust CompanWilliston ND ND ND ND ,922 79,94 98,74 73, , ,73 92,45 2,653 3, , Page 22 of

60 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City Dakota Community Bank & Trust, Na Hebron KodaBank Drayton Security First Bank of North Dakota New Salem First United Bank Park River First National Bank & Trust Co of Wi Williston HQ State ND ND ND ND ND Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , ,735 Institution (5) Asset Size (6), Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 75 8, , , , , CC Amount/TA () 3 2 Gothenburg State Bank Gothenburg First State Bank Gothenburg The Tilden Bank Tilden Foundation First Bank Waterloo Thayer County Bank Hebron Valley Bank and Trust Co Scottsbluff Commercial State Bank Wausa Homestead Bank Cozad First Westroads Bank, Inc Omaha Bank of Nebraska La Vista Adams Bank & Trust Ogallala Five Points Bank Grand Island Cornhusker Bank Lincoln Cass County Bank, Inc Plattsmouth Columbus Bank and Trust Company Columbus The TriCounty Bank Stuart Plattsmouth State Bank Plattsmouth Enterprise Bank National Association Omaha NE NE NE NE NE NE NE NE NE NE NE NE NE NE NE NE NE NE ,222 64,383 6, 2,65 5,359 68,445 25,722 3,524 47,464 39,32,582 23,646 79,7,322 22,966,73 3,68 46, , <M <M <M <M <M <M <M <M ,222 8,955 7,4,779 5,359 3,663 4,977 9,29 2,698 4,72,24 28,644 9,96,79 4,28 4,742 2,8 3, , The First Colebrook Bank Merrimack County Savings Bank Colebrook Concord NH NH ,79 27, ,57, Cornerstone Bank st Constitution Bank BNB Bank, National Association BankAsiana Fulton Bank of New Jersey Unity Bank st Colonial National Bank SussexBank Harvest Community Bank Newfield National Bank Atlantic Stewardship Bank Highlands State Bank Moorestown Cranbury Fort Lee Palisades Park Mount Laurel Clinton Collingswood Franklin Pennsville Newfield Midland Park Vernon NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ ,83 29,2,897 84,284 68,88 76,66 57,54 6,997 5,93 88,427 39,856 64, , ,954, BB ,28 9,8 3,238 3,9 5,694,639 7,723 6,974 4,83 9,286 7,5 3, , Page 23 of

61 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City Western Bank, Artesia, New Mexico Artesia Community st Bank Las Vegas Las Vegas The James Polk Stone Community Ba Portales Bank of the Rio Grande, National Ass Las Cruces Bank of the Southwest Roswell Western Bank Lordsburg HQ State NM NM NM NM NM NM Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , ,33 Institution (5) Asset Size (6) Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 4, , , , , ,42 93 CC Amount/TA () Farm Bureau Bank FSB Heritage Bank of Nevada Sparks Reno NV NV ,23 22,577, ,23,426, Catskill Hudson Bank Monticello Adirondack Bank Utica The Bridgehampton National Bank Bridgehampton Watertown Savings Bank Watertown NBT Bank, National Association Norwich The Bank of Castile Castile Riverside Bank Poughkeepsie Empire State Bank Newburgh Shinhan Bank America New York The Suffolk County National Bank of Riverhead Woori America Bank New York The Canandaigua National Bank and TCanandaigua The Mahopac National Bank Brewster ,2 28, ,278 5, ,68 5,25,44 66,385 89,889 23, 95,42 259,82 66,4 686,29,377,2,927, ,75 2, , BB BB BB BB BB ,557 9,322 35,92 4,9 28,45 23,52 7,279 3,38 8,25 27,695 7,498 47,842 5, , , , The State Bank and Trust Company Defiance The Delaware County Bank and Trust Lewis Center Park View Federal Savings Bank Solon The Merchants National Bank Hillsboro First Federal Community Bank, Natio Dover Buckeye Community Bank Lorain The Settlers Bank Marietta The Citizens National Bank of Bluffto Bluffton Consumers National Bank Minerva Minster Bank Minster The Fort Jennings State Bank Fort Jennings Western Reserve Bank Medina ,6 53, , 5,592 73,92 65,394 28,55 3,647 7,296 67,96 37,49 72,383, , ,792 4,37 5,625 24,3 2,772 8,658 8,737,947 9,887 8,263 8,847 5, , Exchange Bank and Trust Company First National Bank of Weatherford First National Bank of Oklahoma Stroud National Bank Perry Weatherford Oklahoma City Stroud OK OK OK OK ,73 44,49 75,837 9, <M 625 8,268 7,74 7,846 8, Page 24 of

62 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City McCurtain County National Bank Broken Bow Security Bank Tulsa Quail Creek Bank, National AssociatioOklahoma City Triad Bank, National Association Tulsa American Bank of Oklahoma Collinsville Bank of Cushing Cushing Security First National Bank of Hugo Hugo The First National Bank & Trust Elk City Oklahoma Heritage Bank Roff NBC OKLAHOMA Oklahoma City HQ State OK OK OK OK OK OK OK OK OK OK Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , ,94 Institution (5) Asset Size (6) <M 95 Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9), , , , , , , ,55 5, , CC Amount/TA () Peoples Bank of Commerce Medford Pacific Continental Bank Eugene Community Bank Joseph Pioneer Trust Bank, National AssociatSalem OR OR OR OR , ,367 74,63 76, , BB ,52 9,277 8,768 4, Elderton State Bank Mercer County State Bank The Luzerne Bank Woodlands Bank QNB Bank First Citizens Community Bank Valley Green Bank Hometown Bank of Pennsylvania MileStone Bank The Honesdale National Bank First Keystone Community Bank Elderton Sandy Lake Luzerne Williamsport Quakertown Mansfield Philadelphia Bedford Doylestown Honesdale Berwick ,67 59,26 4,356 7,544 43,347 4,543 8,932 39,65 82,892 9,63 22,29 2, ,3, , ,62 8,255 8,72,68 23,554 24,35,784 6,243 4,834 5,738 4,73 2, Banco Popular de Puerto Rico Hato Rey PR ,856, 9,836 B5B 49,, Coastway Community Bank Cranston RI , , Arthur State Bank Union Enterprise Bank of South Carolina Ehrhardt The Citizens Bank Olanta GrandSouth Bank Greenville Carolina Alliance Bank Spartanburg Anderson Brothers Bank Mullins First Community Bank, National Asso Lexington The Conway National Bank Conway Southern First Bank, National AssociaGreenville SC SC SC SC SC SC SC SC SC ,555 28,293 69,44 8,944 79,925 7,86 24,465 4,583 67,55,46,22,67,6 554,2 978, ,776 36,25 23,94 6,978 7,492 27,578 4,65 22,893 2, , , Page 25 of

63 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City HQ State Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) (5) Institution Asset Size (6) Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) CC Amount/TA () Great Plains Bank BankStar Financial Eureka Elkton SD SD ,859 7, <M <M 675 6,859 2, First Citizens National Bank Dyersburg First Bank of Tennessee Spring City Wayne County Bank Waynesboro First Volunteer Bank Chattanooga Security Federal Savings Bank of McMMc Minnville Cumberland Bank and Trust Clarksville Traders National Bank Tullahoma CapitalMark Bank & Trust Chattanooga The First National Bank of ManchesteManchester First National Bank of Pulaski Pulaski First South Bank Jackson Community National Bank Dayton Cornerstone Community Bank Chattanooga First Commerce Bank Lewisburg TN TN TN TN TN TN TN TN TN TN TN TN TN TN ,69 74,7 54,874 24,66 3,683 4,69 43,798 46,96 36,34 97,89 78,4 43,246 82,973 57,288, , , BB ,354 5,328 3,99 5,52 3,683 6,285 5,883,38 3,868 6,4,753 7,222 7,25 6,84, The First National Bank of Albany Albany Community Bank Fort Worth Citizens State Bank Tyler The East Texas National Bank of Pale Palestine Horizon Bank, SSB Austin Citizens State Bank Somerville First Commercial Bank, National AssoSeguin United Bank of El Paso del Norte El Paso Southwest Bank Odessa First State Bank Clute First State Bank Chico First Community Bank Corpus Christi Rio Bank Mcallen First Bank, National Association Conroe Allegiance Bank Texas Houston First National Bank George West First Bank & Trust East Texas Diboll Llano National Bank Llano Commercial State Bank Andrews First State Bank New Braunfels ,864 35,8 8,247 4,797 96,82 6,22 39,885 7,63 77,582 35,286 56,775 69,56 55,692 66,39 8,835 54,349 46,548 3,87 7,689 83,72,63, , , ,43 699,87 33, ,864 5,85 2,856 7,963 4,895 2,49 4,866,587 5,273,327 4,359 8,982 9,87 2,657 6,332 2,929 37,28 6,396 23,752,96, , , American Express Bank, FSB Salt Lake City UT 472 6,3, 3,63,77 B5B 6,3, 3,63,77 48 Page 26 of

64 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City The Pitney Bowes Bank, Inc Salt Lake City Wright Express Financial Services CorMidvale Transportation Alliance Bank, Inc Ogden Wells Fargo Bank Northwest, NationaOgden GE Capital Retail Bank Draper HQ State UT UT UT UT UT Total Rank () 95 Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , ,, , ,645, 42,33,624 Institution (5) Asset Size (6),8,993 75,9 BB 9,995 53,868 B5B 76,23 B5B Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) ,996,8,95 7,37 7, ,563 9,995 95,37, 5,2,33,624 76,23 CC Amount/TA () Benchmark Community Bank Kenbridge Community Bank Staunton New Peoples Bank, Inc Honaker Capital One Bank (USA), National Ass Glen Allen First National Bank Altavista Grundy National Bank Grundy Highlands Union Bank Abingdon The Bank of Fincastle Fincastle EVB Tappahannock First Community Bank Bluefield Village Bank Midlothian Towne Bank Portsmouth ,2 2,3 9,775 4,77,77 6,78 57,386 89,84 48,36 5,34 37,348 2,93 64,322, ,293 2,547, ,359, ,75 2, ,646 >5B BB BB BB ,858 3,258 7,574 4,77,77,26 9,463 2,338 7,42 9,767 26,,479 58, ,547, , , , Bank of St Croix, Inc Christiansted VI , Union Bank Morrisville Connecticut River Bank, National Ass Springfield VT VT ,37 7,58, ,497,736, UniBank Plaza Bank Bank of the Pacific AmericanWest Bank Heritage Bank Westside Community Bank Banner Bank Central Valley Bank Lynnwood Seattle Aberdeen Spokane Olympia University Place Walla Walla Toppenish WA WA WA WA WA WA WA WA ,527 7,49 5,486 48,799 28,54 58,8 655,527 49, ,8 2,634, , BB BB BB ,7 9 2,445 25,95 25,485,828 8,95 5, , , State Bank of Chilton Bank of Luxemburg Citizens State Bank of La Crosse Waumandee State Bank MidWisconsin Bank Middleton Community Bank The Port Washington State Bank The First Bank of Baldwin Chilton Luxemburg La Crosse Waumandee Medford Middleton Port Washington Baldwin WI WI WI WI WI WI WI WI ,492 7,53 52,299 45,594,742 57,352 9,992 47, , ,56,738 4,423 5,595 4,24 6,585 3,74 6, Page 27 of

65 Table 3A Top Small Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City The Farmers State Bank of Waupaca Waupaca Horicon Bank Horicon Town Bank Hartland Community Bank CBD Delavan The Peshtigo National Bank Peshtigo The First National Bank of Berlin Berlin Northern State Bank Ashland Blackhawk Bank Beloit Forward Financial Bank SSB Marshfield HQ State WI WI WI WI WI WI WI WI WI Total Rank () Small Business Lending (less than $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , ,242 Institution (5) Asset Size (6) 529,3 8, ,4 692 Micro Business Lending (less than $,) Total Amount Rank (,) (7) (8) (9) 3, , ,22 7, , , , , , , CC Amount/TA () 2 Main Street Bank Corp Calhoun County Bank, Inc The First State Bank First Sentry Bank, Inc The Poca Valley Bank, Inc Freedom Bank, Inc The Bank of Monroe Logan Bank & Trust Company Wheeling Grantsville Barboursville Huntington Walton Belington Union Logan WV WV WV WV WV WV WV WV ,433 29,335 66,239 27,36 54,76 39,574 2,22 32, , ,778 29,335,65 2,23 7,8 4,69 6,3, Platte Valley Bank Buffalo Federal Savings Bank Wyoming National Bank Torrington Buffalo Riverton WY WY WY ,59 42,742 28,9, ,634 6,575 9,46, TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender Source: US Small Business Administration, Office of Advocacy, from Call Report data Page 28 of

66 Name of Lending Institution City Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) CC Amount/TA () Denali State Bank Fairbanks AK , ,52 43 Traders & Farmers Bank Farmers and Merchants Bank Bank Independent Peoples Bank of Greensboro Sweet Water State Bank First Bank of the South First Metro Bank TownCountry National Bank CCB COMMUNITY BANK PrimeSouth Bank Haleyville Piedmont Sheffield Greensboro Sweet Water Rainsville Muscle Shoals Camden Andalusia Tallassee ,54 39,836 45,265 6,47 26,567 5,55 3,34 9,879 22,77 2, , , BB <M <M <M <M ,54 39, ,32 6,47 26,567 5,55 26,462 26,325 97,726 33, , , , First State Bank of DeQueen De Queen Bank of Salem Salem First Arkansas Bank and Trust Jacksonville The First National Bank of Lawrence CountWalnut Ridge The First National Bank of Izard County Calico Rock Bank of Prescott Prescott Home Bank of Arkansas Portland First National Bank of North Arkansas Berryville Smackover State Bank Smackover The Union Bank of Mena Mena First Community Bank Batesville AR AR AR AR AR AR AR AR AR AR AR ,662 26,2 63,55 3,386 4,3 3,252 2,775 2,944 8,43 9,34 32, , ,49 <M <M ,662 26,2 6,539 3,386 4,3 3,252 2,775 33,98 8,43 27,996 35, , , Commerce Bank of Arizona Bank of Tucson Country Bank st Bank Yuma The Foothills Bank Tucson Tucson Prescott Yuma Yuma AZ AZ AZ AZ AZ ,67 5,666 3,29 3,776 5, ,87 85,649 46,762 4,889 94, Borrego Springs Bank, National Associatio La Mesa Tri Counties Bank Chico BBCN Bank Los Angeles Bank of the Sierra Porterville Murphy Bank Fresno Pacific Enterprise Bank Irvine Heritage Oaks Bank Paso Robles Exchange Bank Santa Rosa Universal Bank West Covina ,544 43,955 68,74 2,356 8,6,34 6,769 23,3 33,67 2,562 2,289 6, BB BB BB BB BB ,23 436,723,557,424 26,583 5,297,755 8,329 95,63 33,67 3,2 3,84 9,537, ,248,279 7 Page 29 of

67 Name of Lending Institution Mission Valley Bank City Sun Valley Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () 95 Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,892 Institution Asset Size (5) (6) 365 (less than $ million) Total Amount Rank (,) (7) (8) (9) 87, CC Amount/TA () The Colorado Bank and Trust Company of Community State Bank Yampa Valley Bank MontroseBank Fort Morgan State Bank Points West Community Bank The Dolores State Bank Kit Carson State Bank Farmers State Bank of Calhan Colorado East Bank & Trust First State Bank of Colorado Fowler State Bank La Junta Lamar Steamboat Spring Montrose Fort Morgan Julesburg Dolores Kit Carson Calhan Lamar Hotchkiss Fowler CO CO CO CO CO CO CO CO CO CO CO CO ,39 5,5 5,89 5,68 4,985 4,77 4,35 3,33 4,282 4,34 4,487 2, <M 238 <M <M <M ,22 2,79 43,454 27,699 29,523 3,22 6,556 8,628 8,637 89,82 42,33 6, Salisbury Bank and Trust Company Newtown Savings Bank Dime Bank NEW ENGLAND BANK Fairfield County Bank Lakeville Newtown Norwich Enfield Ridgefield CT CT CT CT CT ,65,499,892 3,626 2, BB ,34 9,43 96,2 79, , ,58,498 Industrial Bank Washington DC , , FIA Card Services, National Association Chase Bank USA, National Association Wilmington Newark DE DE ,928,629 4,857,65 ####### >5B ####### >5B 6,33,4 5,49,294 2,93,3,553, The Perkins State Bank First National Bank of Wauchula Heritage Bank of Florida Wauchula State Bank Capital City Bank Highlands Independent Bank Platinum Bank BankFIRST Farmers & Merchants Bank United Southern Bank Heartland National Bank FirstAtlantic Bank Williston Wauchula Lutz Wauchula Tallahassee Sebring Brandon Winter Park Monticello Umatilla Sebring Jacksonville FL FL FL FL FL FL FL FL FL FL FL FL ,667 3,49,69,53 46,624 6,369 3,35 5,83 9,535 7,43 6,74 7, <M ,224 BB ,235 3,49 52,59 5,94 232,837 47,29 29,734 76,4 78,643 74,46 43,92 72, , Bank of the Federated States of Micronesi Pohnpei FM 5, ,32 83 Page 3 of

68 Name of Lending Institution Farmers State Bank Glennville Bank BB&T Financial, FSB Bank of Hazlehurst Bank of Alapaha South Georgia Banking Company First National Bank South Commercial State Bank Altamaha Bank and Trust Company Bank of Eastman City Dublin Glennville Columbus Hazlehurst Alapaha Omega Alma Donalsonville Vidalia Eastman Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 354 4, , , , , , , , , ,454 (5) , Institution Asset Size (6) BB <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 4, , ,7 2,783 28, , , ,34, , , ,97 67 CC Amount/TA () 58 5 ANZ Guam, Inc Hagatna GU , , First Hawaiian Bank Honolulu HI 4 47,47 5,56 B5B ,96 7,338 7 American State Bank Community First Bank The Shelby County State Bank First Trust and Savings Bank Corydon State Bank The Libertyville Savings Bank Peoples State Bank First National Bank State Savings Bank C US Bank Osceola Keosauqua Harlan Wheatland Corydon Fairfield Albia Greenfield Creston Cresco IA IA IA IA IA IA IA IA IA IA ,323 5,257 22,883 2,845 9,93 34,993 5,657 2,929 6,393 33, <M <M <M ,323 5,257 22,883 2,845 9,93 34,993 5,657 2,929 6,393 5, The Bank of Commerce Ammon D L Evans Bank Burley Ireland Bank Malad City ID ID ID ,295 25,2,8 97, ,34 7,58 6,445,448, Ipava State Bank Ipava Central State Bank Clayton State Bank of Arthur Arthur CNB Bank and Trust, NA Carlinville First State Bank of Beecher City Beecher City The State Bank of Blue Mound Blue Mound State Bank of Whittington Benton The Clay City Banking Co Clay City The First Bank and Trust Company of MurpMurphysboro First Trust & Savings Bank of Albany, Illino Albany Citizens Bank of Chatsworth Chatsworth ,43 8,65 22,289 45,52 5,953,2 3,459 22,25 2,43 8,23 9, , ,43 <M <M <M <M <M <M <M ,43 8,65 22,289 9,643 5,953,2 3,459 22,25 2,43 8,23 9, ,2 443, , Page 3 of

69 Name of Lending Institution City Bank of Yates City Yates City State Bank of the Lakes Antioch Beverly Bank & Trust Company, National AChicago Farmers State Bank of Western Illinois Alpha State Bank of Toulon Toulon Crystal Lake Bank and Trust Company, NatCrystal Lake Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 7, , , , , ,445 (5) 256 7,323 6, ,832 Institution Asset Size (6) <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 75, ,239 8,585,487 6, , , ,46 2,593 CC Amount/TA () 2 The Campbell & Fetter Bank Kendallville Farmers State Bank Lagrange The Riddell National Bank Brazil The First State Bank, Bourbon, Indiana Bourbon First Financial Bank, National Association Terre Haute Hoosier Heartland State Bank Crawfordsville Lake City Bank Warsaw MarkleBank Markle Bank of Wolcott Wolcott The Farmers and Merchants Bank Boswell IN IN IN IN IN IN IN IN IN IN ,673 6,397 2,95 6,83 9,88 24,387 32,22,58 8,37 5, , , <M BB BB ,673 79,578 35,56 4,49 386,358 24,387 73,57 57,8 8,37 5, , , The Wilson State Bank The Citizens State Bank Home Bank and Trust Company The Riley State Bank of Riley, Kansas The St John National Bank The First State Bank United National Bank The Lyndon State Bank Garnett State Savings Bank The Farmers State Bank The First National Bank of Centralia Wilson Gridley Eureka Riley Saint John Norton Natoma Lyndon Garnett Wathena Centralia KS KS KS KS KS KS KS KS KS KS KS ,896 4,425 34,462,637,76 35,55 2,295,32,76 9,43 3, <M <M <M <M <M <M ,896 4,425 34,462,637,76 35,55 2,295,32,76 9,43 3, Bank of Columbia The Farmers Bank of Milton Lewisburg Banking Company The Peoples Bank Elkton Bank & Trust Company First Guaranty Bank Magnolia Bank, Incorporated Dixon Bank Commercial Bank Owingsville Banking Company Columbia Milton Lewisburg Taylorsville Elkton Martin Magnolia Dixon West Liberty Owingsville KY KY KY KY KY KY KY KY KY KY ,587 6,696 8,625 5,44 3,98,45 24,256,436 3,8 5, <M <M <M <M ,88 6,696 8,625 5,44 3,98,45 24,256,436 3,8 5, Page 32 of

70 Name of Lending Institution Bank of Erath Tensas State Bank Vermilion Bank & Trust Company The Bank Catahoula LaSalle Bank Franklin State Bank & Trust Company The Evangeline Bank and Trust Company Basile State Bank Gulf Coast Bank Homeland Federal Savings Bank Richland State Bank City Erath Newellton Kaplan Jennings Jonesville Winnsboro Ville Platte Basile Abbeville Columbia Rayville Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State LA LA LA LA LA LA LA LA LA LA LA Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , ,873 (5) , ,332 Institution Asset Size (6) <M <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 33, , , , , , ,4, , ,26,3 38, ,689,56 CC Amount/TA () 7 2 Commonwealth Cooperative Bank North Middlesex Savings Bank Enterprise Bank and Trust Company Greenfield Cooperative Bank United Bank BankFive Avidia Bank Westfield Bank Berkshire Bank Greenfield Savings Bank The Rockport National Bank Seamen's Bank Everett Cooperative Bank Hyde Park Ayer Lowell Greenfield West Springfield Fall River Hudson Westfield Pittsfield Greenfield Rockport Provincetown Everett MA MA MA MA MA MA MA MA MA MA MA MA MA ,47,375 53,557 6,87 3,29,928 6,998 9,8 69,47 8,445 5,8 5,782 66,97 6, ,66 224, , BB BB BB BB BB ,47 73,5 455,99 34,96 28,857 96,747 6,982 6,28 485,593 54,696 59,97 47,92 66,97 6, ,78 33,897,23,477,3 4, Provident State Bank, Inc Damascus Community Bank The Peoples Bank Hebron Savings Bank The Farmers Bank of Willards New Windsor State Bank County First Bank American Bank Frederick County Bank Preston Damascus Chestertown Hebron Willards New Windsor La Plata Rockville Frederick MD MD MD MD MD MD MD MD MD ,434 6,564,63,797 7,584 7,269 7,84 6,346 8, ,86 49,36 54,366 92,83 57,86 54,864 52,52 32,54 82, Franklin Savings Bank Katahdin Trust Company Farmington Patten ME ME ,29 43,634,298,842 86,29 5,48,298 2,48 First Bank, Upper Michigan The Peninsula Bank of Ishpeming Gladstone Ishpeming ,4 2, ,673 38, Page 33 of

71 Name of Lending Institution City Alden State Bank Alden Upper Peninsula State Bank Escanaba Huron National Bank Rogers City Superior National Bank & Trust Company Hancock Gogebic Range Bank Ironwood Hillsdale County National Bank Hillsdale mbank Manistique Thumb National Bank and Trust Company Pigeon Macatawa Bank Holland Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 69 99, ,373 25, , , , , , ,839 (5) ,84 Institution Asset Size (6) <M <M BB (less than $ million) Total Amount Rank (,) (7) (8) (9) 53, , , , , , , , ,956 4,37 CC Amount/TA () 3 St Clair State Bank (Incorporated) Saint Clair Farmers and Merchants State Bank of BlooBlooming Prairie Stearns Bank Holdingford National AssociaHoldingford Bank of Zumbrota Zumbrota First Southeast Bank Harmony Elysian Bank Elysian Stearns Bank Upsala National Association Upsala Western National Bank Duluth The First National Bank of Osakis Osakis First National Bank in Mahnomen Mahnomen Star Bank Bertha Clinton State Bank Clinton Farmers State Bank of Darwin Darwin ,483 7,65 29,632 3,794 6,63 8,92 7,79 38,259 2,54 5,657 9,639 8,84 5, , ,774 2, ,549 <M <M <M <M <M <M <M <M <M ,483 7,65 32,72 34,688 6,63 8,92 9,79 38,259 2,54 5,657 24,45 8,84 5, , ,774 2, ,549 8 St Clair County State Bank Osceola Shelter Financial Bank Columbia Community State Bank of Missouri Bowling Green Community Bank of El Dorado Springs El Dorado Spring Metz Banking Company Nevada Bank of Monticello Monticello County Bank Brunswick Carroll County Trust Company of Carrollto Carrollton The Maries County Bank Vienna Mid America Bank Linn The CitizensFarmers Bank of Cole Camp Cole Camp MO MO MO MO MO MO MO MO MO MO MO ,9 8,93 36,797 6,32 7,89,478 6,888 4,54 2,6 36,589 2, , <M <M <M <M ,9 8,93 36,797 6,32 7,89,478 6,888 4,54 47,338 85,628 2, , Farmers and Merchants Bank First State Bank Bank of Kilmichael First American National Bank Commerce National Bank Baldwyn Waynesboro Kilmichael Iuka Corinth ,86,386 36,67 34,36 7,64,78, <M ,86,386 36,67 34,36 7,64,78, Page 34 of

72 Name of Lending Institution Bank of Okolona The First National Bank of Pontotoc Planters Bank & Trust Company Peoples Bank City Okolona Pontotoc Indianola Mendenhall Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 93 22, , , ,56 (5) , Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) , , ,64,775 6,77 97 CC Amount/TA () Lake County Bank The First State Bank of Malta Teton Banks The Bank of Baker Citizens Bank & Trust Company First Security Bank of Roundup Saint Ignatius Malta Fairfield Baker Big Timber Roundup MT MT MT MT MT MT ,78,757 7,745 6,94 5,398 5,87, <M <M <M ,78,757 2,259 25,232 7,65 5,87, First Bank Yadkin Valley Bank and Trust Company Surrey Bank & Trust Southern Community Bank and Trust Union Bank & Trust Company Four Oaks Bank & Trust Company Carolina Trust Bank Lumbee Guaranty Bank Southern Bank and Trust Company FirstCitizens Bank & Trust Company Troy Elkin Mount Airy Winston Salem Oxford Four Oaks Lincolnton Pembroke Mount Olive Raleigh ,633 62,89 6,887 36,32 9,842 8,97 9,888 9,84 34,2 378,394 3,885 2, ,33 5,8 BB BB BB BB B5B ,256 49,56 74,99 274,35 49,824 6,66 73,37 5,3 284,292 3,94,57 6,26 4, , ,368 7, KodaBank Drayton Western State Bank Devils Lake US Bank National Association ND Fargo Merchants Bank Rugby The Farmers & Merchants State Bank of ToTolna Commercial Bank of Mott Rolette State Bank First United Bank Northland Financial McIntosh County Bank Mott Rolette Park River Steele Ashley ND ND ND ND ND ND ND ND ND ND ,433 92,45 797,444 9,574 6,558,37 9,36 7,966 9,73 5, ,548 2, BB <M <M <M <M <M ,433 79,94,98,679 9,574 6,558,37 9,36 2, 42,922 5, ,25 25, Gothenburg State Bank Bank of the Valley First National Bank in Ord State Bank of Table Rock The Tilden Bank Thayer County Bank Wahoo State Bank Gothenburg Bellwood Ord Table Rock Tilden Hebron Wahoo NE NE NE NE NE NE NE ,222,48 7,4 7,36 7,4 5,359 9, <M <M <M <M <M ,222,48 7,4 7,36 6, 5,359 9, Page 35 of

73 Name of Lending Institution Cedar Security Bank American Exchange Bank First State Bank CerescoBank City Fordyce Elmwood Gothenburg Ceresco Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State NE NE NE NE Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 56 6,48 5 6, , ,4 (5) Institution Asset Size (6) <M <M <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 675 6, ,28 64, ,4 52 CC Amount/TA () The First Colebrook Bank Woodsville Guaranty Savings Bank Colebrook Woodsville NH NH ,57, ,79 72, Cornerstone Bank Newfield National Bank st Colonial National Bank Fulton Bank of New Jersey Harvest Community Bank The First National Bank of Elmer Unity Bank Heritage Community Bank Sturdy Savings Bank st Constitution Bank Moorestown Newfield Collingswood Mount Laurel Pennsville Elmer Clinton Randolph Stone Harbor Cranbury NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ ,28 9,286 7,723 5,694 4,83 5,388,639 5,544 5,8 9, , BB ,83 88,427 57,54 68,88 5,93 4,788 76,66 48,825 58,875 29, , , ,239 2 The James Polk Stone Community Bank American Heritage Bank Western Commerce Bank Bank of the Southwest Portales Clovis Carlsbad Roswell NM NM NM NM ,3 4,885 2,86 6, , <M ,2 4,855 4,278 43, , Farm Bureau Bank FSB Nevada State Bank Heritage Bank of Nevada Sparks Las Vegas Reno NV NV NV ,23 32,78,426,939, BB ,23 36,63 22,577,939 2, First National Bank of Scotia Scotia The Oneida Savings Bank Oneida Adirondack Bank Utica The First National Bank of Groton Groton The Lyons National Bank Lyons The Canandaigua National Bank and Trust Canandaigua NBT Bank, National Association Norwich Steuben Trust Company Hornell The Bridgehampton National Bank Bridgehampton The Bank of Castile Castile ,33 2,788 9,322 3,56 7,459 47,842 28,45 4,294 35,92 23, ,347 7, BB BB BB BB ,854 76,576 28,588 3,56 9, ,82 823,68 53,85 236,278 5,25,47 99,29 378,7 4,294,927 72,377, CBank The Fort Jennings State Bank Cincinnati Fort Jennings ,22 8, <M 7 22,22 37, Page 36 of

74 Name of Lending Institution City Miami Savings Bank Miamitown The Settlers Bank Marietta The Cincinnatus Savings & Loan Co Cincinnati The First National Bank of Dennison Dennison The Merchants National Bank Hillsboro The Killbuck Savings Bank Company Killbuck The Middlefield Banking Company Middlefield The Monitor Bank Big Prairie The Farmers and Merchants Bank Caldwell The First National Bank of Blanchester Blanchester First Federal Community Bank, National AsDover Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () 95 Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , ,772 (5) , Institution Asset Size (6) <M <M <M <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 75 26, , , , ,592,425 7, ,589, , , , , CC Amount/TA () Security First National Bank of Hugo The Payne County Bank Bank of Cushing The Farmers Bank Oklahoma Heritage Bank American Exchange Bank The Pauls Valley National Bank The Farmers State Bank Stroud National Bank First State Bank Hugo Perkins Cushing Carnegie Roff Henryetta Pauls Valley Quinton Stroud Noble OK OK OK OK OK OK OK OK OK OK ,26 8,238 2,95,49,647,9 3,546,679 8,798 9, <M <M <M <M <M <M ,26 8,238 2,95,49 5,256,9 3,985,679 9,55 9, Citizens Bank Albina Community Bank Bank of Eastern Oregon Corvallis Portland Heppner OR OR OR ,87 5,693 7, ,85 39,99 43, CNB Bank Elderton State Bank Mercer County State Bank First Citizens Community Bank Franklin Security Bank Indiana First Savings Bank Clearfield Elderton Sandy Lake Mansfield Plains Township Indiana People's State Bank of Wyalusing, Pennsyl Wyalusing Greater Delaware Valley Savings Bank Broomall Somerset Trust Company Somerset Clarion County Community Bank Clarion Union Community Bank FSB Lancaster Mifflinburg Bank and Trust Company Mifflinburg Standard Bank, PaSB Murrysville The Farmers National Bank of Emlenton Emlenton ,96 2,62 8,255 24,35,43,568,63 4,639 9,24 9,253 8,39,828 3,867 6,596 3,49 2, BB ,9 9,67 59,26 4,543 33,42 32,852 43,677 78,923,948 26,684 26,879 5,38 47,2 79,335 4,8 2, , , Page 37 of

75 Name of Lending Institution The Luzerne Bank First National Community Bank QNB Bank City Luzerne Dunmore Quakertown Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , ,554 (5) 529,68 94 Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) 4, ,26,65 43,347,3 CC Amount/TA () Banco Bilbao Vizcaya Argentaria Puerto R San Juan PR ,93 3,687 BB 378,28 5,86 2 Coastway Community Bank Bank Rhode Island Cranston Providence RI RI ,227 24, ,596 BB 75 87, , ,27 The Citizens Bank Olanta Enterprise Bank of South Carolina Ehrhardt Anderson Brothers Bank Mullins Bank of Greeleyville Greeleyville Farmers and Merchants Bank of South CarHolly Hill GrandSouth Bank Greenville Community First Bank, Inc Walhalla SC SC SC SC SC SC SC ,94 36,25 27,578 22,654,53 6,978 5,259, <M ,44 28,293 7,86 22,654 47, 8,944 64,546,67,22, , Great Plains Bank Eureka SD 75 6, <M 6, People's Bank and Trust Company of PickeByrdstown Security Federal Savings Bank of McMinnvMc Minnville Reelfoot Bank Union City Carroll Bank and Trust Huntingdon Wayne County Bank Waynesboro The First National Bank of Manchester Manchester Bank of Perry County Lobelville The Farmers & Merchants Bank Dyer Citizens Bank Carthage The First National Bank of Pikeville Pikeville TN TN TN TN TN TN TN TN TN TN ,846 3,683 8,377 4,97 3,99 3,868 9,28 3,369 5,39, ,846 3,683 27,634 4,44 54,874 36,34 32,737 3,369 4,638 24, The First National Bank of Albany Cypress Bank, SSB Legend Bank, NA First State Bank of Ben Wheeler, Texas Citizens State Bank Citizens State Bank First State Bank The First National Bank of Byers First National Bank of Bosque County First State Bank Albany Pittsburg Bowie Ben Wheeler Tyler Somerville Clute Byers Valley Mills Athens ,864 2,858 48,44 7,26 2,856 2,49,327,773 4,85 6,553, , <M ,864 2,858 78,52 7,26 8,247 6,22 35,286,773 4,85 5,72,63 43, , Page 38 of

76 Name of Lending Institution City American Express Bank, FSB Salt Lake City GE Capital Retail Bank Draper Wright Express Financial Services CorporatMidvale Transportation Alliance Bank, Inc Ogden The Pitney Bowes Bank, Inc Salt Lake City Wells Fargo Bank Northwest, National Ass Ogden Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State UT UT UT UT UT UT Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) 472 6,3, 42,33, , , , ,37, Institution Asset Size (5) (6) ####### B5B 76,23 B5B 7,93 BB 9,995 ####### 5,2 B5B (less than $ million) Total Amount Rank (,) (7) (8) (9) 6,3, 3,63,77,33,624 76,23,,85 75,9 52,563 9, ,893,8,993,645, 53,868 CC Amount/TA () Benchmark Community Bank Kenbridge Capital One Bank (USA), National Associat Glen Allen Highlands Union Bank Abingdon Powell Valley National Bank Jonesville River Community Bank, National AssociaMartinsville First Capital Bank Glen Allen First Sentinel Bank Richlands The Bank of Southside Virginia Carson Grundy National Bank Grundy New Peoples Bank, Inc Honaker First National Bank Altavista ,858 4,77,77 2,338 4,252 8,664 8,653 6,74,33 9,463 7,574, ####### >5B <M , ,2 4,77,77 89,84 29,84 3,6 9,223 22,45 46,396 57,386 9,775 6,78,292 2,547,73, ,359, Bank of St Croix, Inc Christiansted VI ,9 8 Passumpsic Savings Bank St Johnsbury VT , ,385,63 Cashmere Valley Bank Banner Bank Washington Business Bank Twin River National Bank Security State Bank Heritage Bank Farmers State Bank, Winthrop, Wash South Sound Bank Cashmere Walla Walla Olympia Clarkston Centralia Olympia Winthrop Olympia WA WA WA WA WA WA WA WA ,5 8,95 5,4 7,242 8,78 25,485 3,54 5, BB 2,344 BB 97 <M 84 <M BB 247 <M ,7 655,527 24,549 7,242 6,682 28,54 3,54 32,538,25 4, , The Peshtigo National Bank Clare Bank, National Association John Deere Financial, fsb The Farmers State Bank of Waupaca The Benton State Bank Royal Bank Waumandee State Bank Northern State Bank Forward Financial Bank SSB Peshtigo Platteville Madison Waupaca Benton Elroy Waumandee Ashland Marshfield WI WI WI WI WI WI WI WI WI ,69 33,452 44,954 3,346,277 7,298 5,595 2,696 2, ,772 BB 394, <M ,69 33,452 44,954 4,8,277 52,25 45,594 47,374 57, , , Page 39 of

77 Name of Lending Institution Town Bank City Hartland Table 3B Top Micro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State WI Total Rank () Micro Business Lending (less than $,) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,22 Institution Asset Size (5) (6) 7,944 (less than $ million) Total Amount Rank (,) (7) (8) (9) 97,643 8,62 CC Amount/TA () Calhoun County Bank, Inc Main Street Bank Corp Bank of Mingo Logan Bank & Trust Company The Bank of Romney United Bank First Sentry Bank, Inc Grantsville Wheeling Williamson Logan Romney Parkersburg Huntington WV WV WV WV WV WV WV ,335 25,778 9,674,267 9,674 79,934 2, , BB ,335 84,433 9,674 32,774 33,8 639,638 27, ,99,9 2 Platte Valley Bank Big Horn Federal Savings Bank Sundance State Bank Torrington Greybull Sundance WY WY WY ,634 3,852,496, TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender ,59 3,852 24,65, Source: US Small Business Administration, Office of Advocacy, from Call Report data Page 4 of

78 Name of Lending Institution Denali State Bank City Fairbanks Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State AK Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,63 Institution Asset Size (5) (6) 92 (less than $ million) Total Amount Rank (,) (7) (8) (9) 97,52 43 CC Amount/TA () First Metro Bank Muscle Shoals The Bank of Vernon Vernon First Southern Bank Florence Metro Bank Pell City First National Bank of Baldwin County Foley CCB COMMUNITY BANK Andalusia First Southern State Bank Stevenson First Community Bank of Central Alabama Wetumpka ServisFirst Bank Birmingham Citizens Bank & Trust Guntersville First Partners Bank Vestavia Hills Keystone Bank Auburn Southern States Bank Anniston Community Bank, National Association Mobile ,2 54,836 39,652,5 36,763 74,955 46,825 49,939 57,278 44,74 36,663 34,26 64,57 29, , BB ,462 63,587 46,54 9,3 4,82 97,726 52,6 59,5 549,244 58,8 44,467 39,89 7,983 3,47, ,98 292, , First National Bank & Trust Company Mountain Home Simmons First Bank of Northeast ArkansasJonesboro One Bank & Trust, National Association Little Rock National Bank of Arkansas in North Little RNorth Little Roc Farmers Bank and Trust Company Blytheville PEOPLES BANK Sheridan First Community Bank Batesville Bank of Little Rock Little Rock Southern Bancorp Bank Arkadelphia Bank of Star City Star City Citizens' Bank & Trust Co Van Buren Community First Bank Harrison Simmons First Bank of Russellville Russellville First State Bank Russellville AR AR AR AR AR AR AR AR AR AR AR AR AR AR ,855 46,7 72,328 35,32 65,94 28,2 3,36 33,69 5,53 2,42 45,43 6,453 28,763 33, BB ,789 54,772 88,557 38,23 74,443 35,942 35,77 4,637 43,39 26,55 52,958 75,5 3,744 37, ,93 423, SUNRISE BANK OF ARIZONA The Foothills Bank Bank of Tucson Commerce Bank of Arizona Phoenix Yuma Tucson Tucson AZ AZ AZ AZ ,69 89,244 79,983 69, ,98 94,37 85,649 73, National Bank of California Los Angeles Plaza Bank Irvine Community Commerce Bank Claremont Community West Bank, National Associati Goleta ,447 24,882,699 2, ,467 27,75 3,46 29, Page 4 of

79 Name of Lending Institution City BBCN Bank Los Angeles Borrego Springs Bank, National Associatio La Mesa Tri Counties Bank Chico Pacific Enterprise Bank Irvine Pacific City Bank Los Angeles Seacoast Commerce Bank San Diego Mission Valley Bank Sun Valley Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) ,388, , , , , , ,862 (5) 3, , Institution Asset Size (6) BB BB (less than $ million) Total Amount Rank (,) (7) (8) (9),557,424 9,537 65,23 3,2 436,723 3,84, ,69,3 57, , CC Amount/TA () First State Bank of Colorado High Country Bank Yampa Valley Bank Pikes Peak National Bank Valley Bank & Trust North Valley Bank First Southwest Bank Points West Community Bank Collegiate Peaks Bank Premier Bank Millennium Bank Canon National Bank The Bank of Denver The Home State Bank Hotchkiss Salida Steamboat Spring Colorado Springs Brighton Thornton Alamosa Julesburg Buena Vista Denver Edwards Canon City Denver Loveland CO CO CO CO CO CO CO CO CO CO CO CO CO CO ,843 36,598 37,635 23,28 43,839 32,865 38,723 25,495 45,422 9,877 4,289 4,497 38,6 8, <M <M ,33 4,643 43,454 23,992 47,77 35,466 42,62 3,22 5,6 2,334 44,525 43,376 39,67 92, NEW ENGLAND BANK Enfield Naugatuck Savings Bank Naugatuck Connecticut Community Bank, National AsWestport Fairfield County Bank Ridgefield Quinnipiac Bank & Trust Company Hamden CT CT CT CT CT ,6 47,53 93,39 26,4 3, BB <M 79,642 56,828, ,36 36,85,58,89 558, Industrial Bank Washington DC , , The Bank of Delmarva MidCoast Community Bank TD Bank, National Association Seaford Wilmington Wilmington DE DE DE ,846 6,23 5,59, ,653 >5B ,93 6,694 6,97, ,362 5 Fidelity Bank of Florida, National AssociatiMerritt Island BankFIRST Winter Park American Enterprise Bank of Florida Jacksonville Executive National Bank Miami Florida Traditions Bank Dade City Platinum Bank Brandon FL FL FL FL FL FL ,482 6,274 68,57 3,94 72,69 6, ,734 76,4 73,49 5,976 79,556 29, Page 42 of

80 Name of Lending Institution Premier Bank Florida Gulf Bank Summit Bank, National Association Mainstreet Community Bank of Florida FirstAtlantic Bank City Tallahassee Fort Myers Panama City Deland Jacksonville Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State FL FL FL FL FL Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , ,459 (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) 67, , , , , CC Amount/TA () Bank of the Federated States of MicronesiPohnpei Guardian Bank Valdosta Waycross Bank & Trust Waycross Thomasville National Bank Thomasville The Citizens Bank of Forsyth County Cumming Verity Bank Winder First Madison Bank & Trust Colbert Bank of Dudley Dudley Affinity Bank Atlanta Community Bank of the South Smyrna Capitol City Bank & Trust Company Atlanta Bank of Terrell Dawson Sunmark Community Bank Hawkinsville PrimeSouth Bank Blackshear Gateway Bank & Trust Ringgold The Savannah Bank, National Association Savannah Douglas National Bank Douglas FM ,84 74,372 65,99 6,498 46,528 45,867 44,529 38,68 82,86 82,58 8,255 3,88 34,264 56,29 4,855 3,62 3, ,32 87,625 69,782 4,762 52,34 49,2 52,25 46,395 88,89 89,89 85,43 36,74 39,64 66,897 47,6 2,62 35, Bank of Guam Hagatna GU ,65,439 BB 7,452 9,7 Hawaii National Bank Pacific Rim Bank Honolulu Honolulu HI HI ,957 38, ,86 39, First Central State Bank Waukon State Bank Ohnward Bank & Trust Northwest Bank and Trust Company Gateway State Bank First Bank Farmers State Bank Iowa Falls State Bank Farmers State Bank Legacy Bank Liberty National Bank Fort Madison Bank & Trust Co De Witt Waukon Cascade Davenport Clinton West Des Moines Waterloo Iowa Falls Marion Altoona Sioux City Fort Madison IA IA IA IA IA IA IA IA IA IA IA IA ,83 4,474 33,2 35,55 2,53 23,574 75,34 9,868 5,84 9,245 47,54 27, <M <M ,564 47,59 4,89 49,23 27,574 26,32 88,325 22,322 2,29 23,97 54,32 32, , Page 43 of

81 Name of Lending Institution First National Bank De Witt Bank & Trust Co Pioneer Bank Carroll County State Bank City Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Waverly De Witt Sergeant Bluff Carroll HQ State IA IA IA IA Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , ,3 (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) , , , , CC Amount/TA () 2 Syringa Bank Boise ID , , Metrobank Berwyn ABC Bank Chicago BankChampaign, National Association Champaign Itasca Bank & Trust Co Itasca Allied First Bank,sb Oswego The Foster Bank Chicago Forest Park National Bank and Trust CompForest Park Sauk Valley Bank & Trust Company Sterling First Southern Bank Carbondale International Bank of Chicago Chicago Archer Bank Chicago Hometown National Bank La Salle The Fairfield National Bank Fairfield Old Plank Trail Community Bank, National New Lenox The First National Bank of Ottawa Ottawa LincolnWay Community Bank New Lenox Apple River State Bank Apple River ,992 28,426 43,565 7,993 27, 23,95 46,774 4,25 39,343 95,643 8,934 48,244 67,585 95,77 37,33 25,96 44, ,68 33,295 5,26 6,425 28,52 33,35 5,758 45,699 49,628 98,55 84,573 54,229 72,746 38,585 44,477 27,245 53, , MainSource Bank Community First Bank of Indiana The New Washington State Bank First Federal Savings Bank First State Bank of Middlebury German American Bancorp Indiana Community Bank Greenfield Banking Company Farmers State Bank United Commerce Bank Lake City Bank Indiana Business Bank Grabill Bank Greensburg Kokomo New Washington Huntington Middlebury Jasper Goshen Greenfield Lagrange Bloomington Warsaw Indianapolis Grabill IN IN IN IN IN IN IN IN IN IN IN IN IN ,7 66,274 5,32 52,39 92,77 34,893 39,394 53,654 63,8 37,2 57,295 29,629,492, , , BB BB BB <M ,42 74,96 57,342 57,754 6, ,887 4,985 6,6 79,578 4,728 73,57 3,7 26,96 2, , , University Bank Gardner Bank Pittsburg Gardner KS KS ,285 26, <M 36,275 29, Page 44 of

82 Name of Lending Institution City Community First National Bank Manhattan First National Bank, Independence, KansasIndependence Andover State Bank Andover Bank of Kansas South Hutchinson Bank of the Prairie Olathe Peoples Bank Lawrence Freedom Bank Overland Park Commercial Bank Parsons Garden City State Bank Garden City VisionBank Topeka Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State KS KS KS KS KS KS KS KS KS KS Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , ,57 (5) Institution Asset Size (6) <M <M <M <M <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 37, , , , , , , , , ,8 55 CC Amount/TA () The Paducah Bank and Trust Company Heritage Bank, Inc Peoples Exchange Bank Town Square Bank, Inc Taylor County Bank Wilson & Muir Bank & Trust Company Hometown Bank of Corbin, Inc Traditional Bank, Inc Bank of Columbia Cumberland Security Bank, Inc Paducah Erlanger Stanton Ashland Campbellsville Bardstown Corbin Mount Sterling Columbia Somerset KY KY KY KY KY KY KY KY KY KY ,452 89,86 54,27 35,478 34,9 68,2 27,56 43,669 33,6 3, BB ,48 97,67 64,53 42,594 38,335 8,979 32,45 6,546 48,88 35, , Gulf Coast Bank and Trust Company New Orleans Citizens National Bank, NA Bossier City First National Bank Arcadia Synergy Bank Houma City Savings Bank & Trust Company Deridder Citizens Bank & Trust Company Plaquemine Guaranty Bank & Trust Company of Delhi, Delhi Community First Bank New Iberia First National Bank of Louisiana Crowley St Martin Bank and Trust Company St Martinville St Landry Homestead Federal Savings Ban Opelousas Gibsland Bank & Trust Company Gibsland Progressive Bank Winnsboro Rayne State Bank & Trust Company Rayne Homeland Federal Savings Bank Columbia Home Bank Lafayette LA LA LA LA LA LA LA LA LA LA LA LA LA LA LA LA ,758,838 38,838 73,39 38,698 43,73 28,53 43,788 49,395 57,2 35,577 47,7 8,85 57,9 28,4 44,657, ,76 33,273 46,623 85,733 48,922 48,94 35,986 5,578 57,87 68,486 38,597 62,894 9,442 64,74 38,636 57,47,76, , Mercantile Bank and Trust Company The Bank of Canton Boston Canton MA MA ,92 33, ,44 37, Page 45 of

83 Name of Lending Institution City Enterprise Bank and Trust Company Lowell The Milford National Bank and Trust CompMilford North Shore Bank, a Cooperative Bank Peabody Hometown Bank, A Cooperative Bank Webster North Middlesex Savings Bank Ayer The Provident Bank Amesbury Bridgewater Savings Bank Raynham The Rockport National Bank Rockport First Ipswich Bank Ipswich Avidia Bank Hudson The Cape Cod Five Cents Savings Bank Harwich Port The Community Bank, A Massachusetts CoBrockton Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State MA MA MA MA MA MA MA MA MA MA MA MA Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , , ,22 (5), Institution Asset Size (6) BB BB BB (less than $ million) Total Amount Rank (,) (7) (8) (9) 455,99 3,78 63, , , ,5 788, , , , ,982, ,759 2,9 64,49 43 CC Amount/TA () 4 Provident State Bank, Inc Howard Bank Community Bank of TriCounty Frederick County Bank Capital Bank, National Association Hebron Savings Bank County First Bank Regal Bank & Trust Preston Ellicott City Waldorf Frederick Rockville Hebron La Plata Owings Mills MD MD MD MD MD MD MD MD ,752 93,757 22,66 74,529 8,872 8,386 44,868 43, ,86,88 23,43 82,97 87,2 92,83 52,52 45, , Sanford Institution for Savings Machias Savings Bank Sanford Machias ME ME ,25 93, , , ,389 Northern Michigan Bank & Trust Traverse City State Bank Honor Bank Central Savings Bank st State Bank Michigan Commerce Bank Main Street Bank First Community Bank Bank of Michigan LakeOsceola State Bank The Bank of Holland Escanaba Traverse City Honor Sault Sainte Mar Saginaw Ann Arbor Bingham Farms Harbor Springs Farmington Hills Baldwin Holland ,3 6,698 54,5 72,547 7,532 24,49 5,334 58,57 46,448 46,22 63, <M 75 65,54 68,378 63,455 77,96 78,87 225,572 58,784 64,56 48,75 5,684 8, , ,293 PrinsBank Prior Lake State Bank Gateway Bank Drake Bank Prinsburg Prior Lake Mendota Heights Saint Paul ,22 6,74 46,433 28, <M 95 68,63 64,7 49,759 34, Page 46 of

84 Name of Lending Institution First Resource Bank Roundbank Park Midway Bank, National Association Crown Bank BankVista Security Bank Minnesota Signature Bank Community Resource Bank Security Bank USA BANKWEST Northwoods Bank of Minnesota City Savage Waseca Saint Paul Edina Sartell Albert Lea Minnetonka Northfield Bemidji Rockford Park Rapids Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , ,4 (5) Institution Asset Size (6) <M <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 28, , , , , , , , , , , CC Amount/TA () Missouri Bank and Trust Company of KansKansas City Citizens Bank of Newburg Rolla Liberty Bank Springfield Central Bank of Lake of the Ozarks Osage Beach Commercial Bank Saint Louis Bremen Bank and Trust Company Saint Louis United Bank of Union Union First Midwest Bank of Poplar Bluff Poplar Bluff First State Community Bank Farmington Community Bank of Raymore Raymore MO MO MO MO MO MO MO MO MO MO ,56 53,59 2,29 86,24 43,39 52,393 52,745 58,88 7,265 48, BB BB ,266 57,23 28,48 2,239 5,4 57,662 6,276 69,594 23,565 53,62, ,6, , Peoples Bank Mendenhall RiverHills Bank Port Gibson FIRST COMMERCI BANK Jackson State Bank & Trust Company Greenwood First Southern Bank Columbia The First, A National Banking AssociationHattiesburg Magnolia State Bank Bay Springs Bank of Yazoo City Yazoo City Renasant Bank Tupelo Covenant Bank Clarksdale Community Bank, Coast Biloxi ,67 59,937 68,694 43,3 48,96 93,46 47,34 3,924 56,755 45,96 6, , BB ,77 72,252 78,462 68,57 65,23 6,8 53,63 38, ,966 55,747 69, , , Prairie Mountain Bank Great Falls First Montana Bank, Inc Libby Mountain West Bank, National AssociationHelena First Citizens Bank of Butte Butte Flathead Bank of Bigfork, Montana Bigfork The Yellowstone Bank Laurel MT MT MT MT MT MT ,43 68,82 33,349 9,36 32,88 93, <M <M ,24 79,6 46,4 2,38 4,334 8, , ,9 4 Page 47 of

85 Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) CC Amount/TA () The Fidelity Bank Yadkin Valley Bank and Trust Company First Bank Harrington Bank, FSB FirstCitizens Bank & Trust Company Southern Community Bank and Trust Forest Commercial Bank Bank of Oak Ridge Carolina Trust Bank Fuquay Varina Elkin Troy Chapel Hill Raleigh Winston Salem Asheville Oak Ridge Lincolnton ,48 356,347 52,623 82,25 3,536,3 238,3 7,457 79,629 63,49,22,745 2,4 78 2, BB BB BB B5B BB 75 33,78 49,56 67,256 86,48 3,94,57 274,35 72,75 87,339 73,37 2,55 4,335 6, ,72, BlackRidgeBANK Fargo American State Bank & Trust Company of Williston Dakota Community Bank & Trust, Nationa Hebron Northland Financial Steele First National Bank & Trust Co of WillistonWilliston First State Bank Buxton United Community Bank of North Dakota Leeds Cornerstone Bank Fargo Security First Bank of North Dakota New Salem Alerus Financial, National Association Grand Forks Western State Bank Devils Lake Starion Financial Bismarck ND ND ND ND ND ND ND ND ND ND ND ND ,5 6,55 82,8 33,29 6,485 28,232 4,944 48,547 24,656 72,93 86,744 2, BB ,74 73,728,246 42,922 7,735 3,34 47,763 53,24 33,32 25,56 79,94 4, , ,428 5,25, First Westroads Bank, Inc Enterprise Bank National Association Adams Bank & Trust Commercial State Bank First State Bank Cornhusker Bank Columbus Bank and Trust Company Foundation First Bank Bank of Nebraska Cass County Bank, Inc Centennial Bank Nebraska Bank of Commerce The State Bank of Bartley Valley Bank and Trust Co Omaha Omaha Ogallala Wausa Gothenburg Lincoln Columbus Waterloo La Vista Plattsmouth Omaha Lincoln Bartley Scottsbluff NE NE NE NE NE NE NE NE NE NE NE NE NE NE ,766 42,84,342 2,745 45,428 7,55 8,748 8,386 34,68 9,63 22,479 9,7 5,65 54, <M <M <M <M <M <M <M ,464 46,,582 25,722 64,383 79,7 22,966 2,65 39,32,322 24,73 2,888 6,89 68, Centrix Bank & Trust Merrimack County Savings Bank Bedford Concord NH NH ,22 6, ,95 27, Page 48 of

86 Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Name of Lending Institution City HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) CC Amount/TA () Cornerstone Bank st Constitution Bank BNB Bank, National Association BankAsiana Fulton Bank of New Jersey Unity Bank Highlands State Bank Harvest Community Bank BCB Community Bank Atlantic Stewardship Bank SussexBank Two River Community Bank Moorestown Cranbury Fort Lee Palisades Park Mount Laurel Clinton Vernon Pennsville Bayonne Midland Park Franklin Middletown NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ ,55 282,2 98,659 8,94 63,394 65,427 6,7 45,9 5,7 32,346,23 35, , , BB BB ,83 29,2,897 84,284 68,88 76,66 64,894 5,93 54,7 39,856 6,997 42, , ,954, Western Bank, Artesia, New Mexico Artesia Community st Bank Las Vegas Las Vegas Bank of the Rio Grande, National Associat Las Cruces Bank of the Southwest Roswell Four Corners Community Bank Farmington NM NM NM NM NM ,62 5,366 24,2 37,72 44, ,222 53,92 26,728 43,65 47, Heritage Bank of Nevada Kirkwood Bank of Nevada Reno Las Vegas NV NV ,5 3, <M 75 22,577 3, Catskill Hudson Bank Monticello First American International Bank Brooklyn Adirondack Bank Utica Woori America Bank New York The Mahopac National Bank Brewster Watertown Savings Bank Watertown Empire State Bank Newburgh Riverside Bank Poughkeepsie The Bridgehampton National Bank Bridgehampton Tioga State Bank Spencer The Suffolk County National Bank of River Riverhead The First National Bank of Long Island Glen Head NBT Bank, National Association Norwich Evans Bank, National Association Angola Shinhan Bank America New York The Bank of Castile Castile American Community Bank Glen Cove ,545,29 9,266 77,544 5,397 9,953 63,347 93,62 2,366 68,85 85,46 78,36 695,635 4,76 7,864 27,694 7, , BB BB BB BB BB 48,2,689 28,588 95,42 66,4 5,854 66,385,44 236,278 77,75 23, 82,48 823,68 5,97 89,889 5,25 72, , , , ,6 524,927 79,75, Page 49 of

87 Name of Lending Institution City The State Bank and Trust Company Defiance Park View Federal Savings Bank Solon The Delaware County Bank and Trust ComLewis Center First Federal Community Bank, National A Dover The Citizens National Bank of Southweste Dayton Western Reserve Bank Medina CenterBank Milford Buckeye Community Bank Lorain Consumers National Bank Minerva Hometown Bank Kent Heartland Bank Gahanna Minster Bank Minster The Citizens National Bank of Bluffton Bluffton Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , , , ,7 (5) Institution Asset Size (6) (less than $ million) Total Amount Rank (,) (7) (8) (9) 28,6,29 247, , , , , , , , , , , , CC Amount/TA () 5 4 First National Bank of Oklahoma Grand Savings Bank First National Bank of Weatherford Triad Bank, National Association Quail Creek Bank, National Association The First National Bank & Trust Exchange Bank and Trust Company NBC OKLAHOMA American Bank of Oklahoma Vision Bank, National Association Security Bank Oklahoma City Grove Weatherford Tulsa Oklahoma City Elk City Perry Oklahoma City Collinsville Ada Tulsa OK OK OK OK OK OK OK OK OK OK OK ,99 37,474 36,335 33,34 25,88 42,398 34,435 89,295 28,479 7,6 94, ,837 43,658 44,49 4,239 37,4 55,93 42,73,94 34,829 84,998 6, Peoples Bank of Commerce Medford Pacific Continental Bank Eugene Pioneer Trust Bank, National Association Salem OR OR OR ,97 36,9 7,674 72, BB , ,367 76, , MileStone Bank Elderton State Bank The Honesdale National Bank Valley Green Bank Penn Liberty Bank Enterprise Bank The Victory Bank The Luzerne Bank Landmark Community Bank Firstrust Savings Bank Woodlands Bank Doylestown Elderton Honesdale Philadelphia Wayne Allison Park Limerick Luzerne Pittston Conshohocken Williamsport ,58 7,545 93,865 7,48 9,676 88,553 45,636 86,84 64, ,229 6, , BB ,892 9,67 9,63 8,932 27,359 9,685 5,35 4,356 7,47 442,25 7, ,573, , Page 5 of

88 Name of Lending Institution First Keystone Community Bank Wayne Bank Metro Bank City Berwick Honesdale Lemoyne Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , ,559 (5) ,25 Institution Asset Size (6) BB (less than $ million) Total Amount Rank (,) (7) (8) (9) 22, , ,276 2,599 CC Amount/TA () Banco Popular de Puerto Rico Hato Rey PR ,77, 8,548 B5B,856, 9, Coastway Community Bank Cranston RI , , Arthur State Bank Union Carolina Alliance Bank Spartanburg Southern First Bank, National Association Greenville GrandSouth Bank Greenville Enterprise Bank of South Carolina Ehrhardt The Conway National Bank Conway First Community Bank, National AssociatioLexington SC SC SC SC SC SC SC ,779 72,433 54,838 9,966 92,43 7,69 9, ,555 79,925 67,55 8,944 28,293 4,583 24,465, ,6,22, Dacotah Bank Aberdeen SD ,95 87 BB 35,322 3,969 First Citizens National Bank Dyersburg First Bank of Tennessee Spring City First Alliance Bank Cordova First Commerce Bank Lewisburg Traders National Bank Tullahoma CapitalMark Bank & Trust Chattanooga First Volunteer Bank Chattanooga American Security Bank and Trust CompanHendersonville Community Trust & Banking Company Ooltewah First South Bank Jackson American City Bank of Tullahoma Tullahoma Cumberland Bank and Trust Clarksville Cornerstone Community Bank Chattanooga First Freedom Bank Lebanon TNBANK Oak Ridge TN TN TN TN TN TN TN TN TN TN TN TN TN TN TN ,255 68,689 35,3 5,447 37,95 34,878 8,546 4,872 29,84 66,25 43,546 34,324 75,948 54,652 32, BB ,69 74,7 37,922 57,288 43,798 46,96 24,66 43,28 33,5 78,4 48,573 4,69 82,973 59,943 36,395, , Community Bank United Bank of El Paso del Norte Horizon Bank, SSB Schertz Bank & Trust Southwest Bank T Bank, National Association First State Bank Fort Worth El Paso Austin Schertz Odessa Dallas New Braunfels ,923 6,6 8,87 47,28 62,39 52,867 7, ,8 7,63 96,82 5,733 77,582 54,968 83,72, Page 5 of

89 Name of Lending Institution City FirstLockhart National Bank Lockhart Veritex Community Bank, National AssociaDallas First Commercial Bank, National AssociatioSeguin Texas Advantage Community Bank, NationAlvin The National Bank of Andrews Andrews VINTAGE BANK Waxahachie Spirit of Texas Bank, SSB College Station Trinity Bank, NA Fort Worth The East Texas National Bank of Palestine Palestine Citizens State Bank Tyler First Bank, National Association Conroe Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 HQ State Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , , , , ,734 (5) Institution Asset Size (6) <M (less than $ million) Total Amount Rank (,) (7) (8) (9) 4, , , , , , , , , , ,39 8 CC Amount/TA () 2 Medallion Bank Salt Lake City Wright Express Financial Services Corpora Midvale Lewiston State Bank Lewiston Continental Bank Salt Lake City Zions First National Bank Salt Lake City Capital Community Bank Provo The First National Bank of Layton Layton UT UT UT UT UT UT UT ,257 3,868 48,29 3,377 2,76,789 32,45 44, , , BB B5B ,787,,85 58,463 37,22 2,99,459 36,375 46, , , Community Bank Staunton Towne Bank Portsmouth The Bank of Fincastle Fincastle EVB Tappahannock John Marshall Bank Falls Church Union First Market Bank Richmond New Peoples Bank, Inc Honaker First Community Bank Bluefield Benchmark Community Bank Kenbridge Valley Bank Roanoke Bank of Botetourt Buchanan Village Bank Midlothian American National Bank and Trust Compa Danville StellarOne Bank Christiansburg , ,79 4,959 3,367 3,24 462,326 2,2 29,248 55,62 24, 52,28 92,452 64, , , , , ,573 BB BB BB BB BB BB ,3 64,322 48,36 5,34 8,846 52,677 9,775 37,348 8,2 33,957 59,6 2,93 78, , , , ,396,293 2,885, ,274 3, Bank of St Croix, Inc Christiansted VI , ,9 8 Connecticut River Bank, National Associat Springfield Passumpsic Savings Bank St Johnsbury Union Bank Morrisville VT VT VT ,782 83,6, ,58 3,385 5,37 746,63,52 Page 52 of

90 Name of Lending Institution UniBank Plaza Bank Westside Community Bank AmericanWest Bank Bank of the Pacific Heritage Bank Banner Bank Whidbey Island Bank City Table 3C Top Macro Business Lenders by State and Territory Based on Call Report Data, June 22 Lynnwood Seattle University Place Spokane Aberdeen Olympia Walla Walla Coupeville HQ State WA WA WA WA WA WA WA WA Total Rank () Macro Business Lending ($, $ million) Amount TA Ratio TBL Ratio (,) (2) (3) (4) , , , , , , , ,354 (5) , , Institution Asset Size (6) BB BB BB BB (less than $ million) Total Amount Rank (,) (7) (8) (9) 35, , , ,799 2,634 5,486,8 28,54, ,527 4, ,8,525 CC Amount/TA () Citizens State Bank of La Crosse State Bank of Chilton Bank of Luxemburg The First Bank of Baldwin Middleton Community Bank MidWisconsin Bank The First National Bank of Berlin Horicon Bank The Stephenson National Bank and Trust Bank First National The Port Washington State Bank Westbury Bank Spring Bank Community Bank CBD La Crosse Chilton Luxemburg Baldwin Middleton Medford Berlin Horicon Marinette Manitowoc Port Washington West Bend Brookfield Delavan WI WI WI WI WI WI WI WI WI WI WI WI WI WI ,876 67,932 6,775 4,882 5,767 87,68 64,359 8,988 68,33 83,853 77,98 92,62 46,32 44, ,299 76,492 7,53 47,927 57,352,742 72,383 25,6 76,65 24,62 9,992 97,853 48,488 5, ,7 553,3 653, Main Street Bank Corp First Sentry Bank, Inc The First State Bank The Poca Valley Bank, Inc Freedom Bank, Inc First Exchange Bank Wheeling Huntington Barboursville Walton Belington Mannington WV WV WV WV WV WV ,655 7,3 54,589 47,95 34,955 29, ,433 27,36 66,239 54,76 39,574 33,6 874, Buffalo Federal Savings Bank Jonah Bank of Wyoming First National Bank of Gillette Wyoming State Bank First National Bank of Wyoming First Northern Bank of Wyoming First State Bank Buffalo Casper Gillette Laramie Laramie Buffalo Wheatland WY WY WY WY WY WY WY ,67 4,47 42,79 29,669 35,296 3,525 34, TA = total domestic assets held by the lender; TBL = total business loans held by the lender; and CC=credit card loans held by the lender ,742 44,886 49,499 32,624 38,8 39,55 45, Source: US Small Business Administration, Office of Advocacy, from Call Report data Page 53 of

91 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Alabama Alaska Arizona Arkansas California Regions Financial Corp Synovus Financial Corp Servisfirst Bancshares Wells Fargo & Co Hancock Holding Corp Compass Bank Banctrust Fncl Grp Renasant Corp Bancindependent BB&T Corp Iberiabank Corp RBCBank Wells Fargo & Co First National Bank Alaska Northrim Bancorp Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp Zions Bancorp Western Alli Bancorp Cobiz Financial Compass Bank Arvest Bk Grp Regions Financial Corp First Security Bancorp Liberty Bancshares Bancorpsouth First Bk Corp Iberiabank Corp Home Bancshares Simmons First Nat Corp Wells Fargo & Co Bank of America Corp JPMorgan Chase & Co LA AK AK UT AZ CO AR AR AR AR LA AR AR (less than $ million) Amount (,) () 87,94 432,292 42,777 24,224 4,26 5,74 4,87 6,76 89,659 77,396 6,489 53,59 238,974 43,737 69,866,46, , ,58 258,2 8,8 2,984 98,9 84,933 49,77 99,64 27,677 84,46 78,832 74,38 69,73 67,552 67,322 52,66 7,772,862,636,99,345,786 99,996 (2) 3,342 2,697,685 4,469 74,93, , ,838 2,94 5,882 3, ,73 3,93 4,557 2,73, , ,876 4,79,9 33,384 Micro Business Lending (less than $,) Amount (,) (3) (4) 36,39 7,787 35,45 5,539 5,5 54,757 28,68 5,844 9,23 8,44 5,728 2,858 36,644 22,9 9,86 733,58 25,986 9,873 6,942 7,882 7,83 5,59 4,46 99,54 56,72 37,79 5,2 2,447 5,248,69 32,499 5,595 7,86 5,374,56 457,35,4,624 36,26,97, ,6 352, , ,53 2,52 5,394 2,56 3 2,594 3,793 3,374 2,263, , ,966 37,754,992 3,893 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 5,632 36,55 367,732 34,685 25,92 6,984 86,36 9,232 7,536 68,992 55,76 4,2 2,33 2,78 6,6 42,854 4,589 76,635 96,259,26 95,53 46,49 44,527 39,663 42,938 89,958 69,448 57,385 59,32 59,66 35,53 5,727 34,756 2,398,3,79,64 34,62 63,735,425, , , ,9 3,36 99,49 Page 54 of

92 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Union Bank NA Zions Bancorp City Nat Corp Bank of The West Comerica CVB Financial Corp East W Bancorp Community Bank Capgen Cap Grp Ii Lp First Republic Bank Cathay Gen Bancorp Rabobank NA Westamerica Bancorp Umpqua Holding Corp Capital One Financial Corp Citigroup Wilshire Bancorp First Citizens Bancshares Mechanics Bank 867 Western Financial Corp Nara Bancorp First Ca Fncl Grp Western Alli Bancorp Hanmi Financial Corp Heritage Cmrc Corp Trico Bancshares Signature Bank Fremont Bancorp SVB Fncl Grp Texas Cap Bancshares Ally Financial SCJ Palomar Ent Llc First Northern Cmnty Bancorp Sierra Bancorp Exchange Bank First Bks American Business Bank SB Acq Co Llc HSBC Bank USA NA Manufacturers Bank Farmers & Mrchs Bancorp UT OR AZ MO (less than $ million) Amount (,) () 943,996 77,72 638,8 67,45 43,554 35,2 32,45 252, , , ,883 22,96 25,953 25,6 94,2 87,77 58,46 57,67 39,986 39,49 37,44 33,68 26,57 26,49 25,82 24,879 9,382 8,5 8,45,484 99,729 99,643 98,67 97,924 94,45 88,96 87,76 77,79 72,95 7,35 66,93 64,286 (2),35 4,628 2,476 4,7,24, , ,242 2, , ,663 2, , Micro Business Lending (less than $,) Amount (,) (3) (4) 323,77 9,537,85 3,7 56,684,89 94,423 2,92 24, , 53 6,8 85 2, , ,78 25, , , , ,64 39,95 63,63 2,46 2,324 87, , , ,26 4 2,455 24, ,96 6 7, , , , , ,646,479 92,448 2,72,24 9 7,28 2 9, ,973 28, , , , ,3,462 2, , Macro Business Lending ($,$M) million) Amount (,) (5) (6) 62,289,84 66,862,5 58,397, ,722,96 45, , , , , , , , , , , , , , , , , , , , ,75 37, , , , , , , , , , , , , , , , ,47 48 Page 55 of

93 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Wendy Fong Central Valley Cmnty Bancorp Colorado Wells Fargo & Co JPMorgan Chase & Co Cobiz Financial First Citizens Bancshares Firstbank Holding Corp Zions Bancorp Bank of The West UMB Financial Corp Pinnacle Bancorp Guaranty Bancorp Keycorp Lauritzen Corp Bank of America Corp Alpine Bk of Co Compass Bank Connecticut Bank of America Corp Webster Fncl Corp Wells Fargo & Co JPMorgan Chase & Co TD Bank NA RBS Citizens NA First Niagara Fncl Group First Connecticut Bancorp Delaware P Fncl Svc Group District of ColUMBia BB&T Corp PFncl Svc Group Wells Fargo & Co Florida Wells Fargo & Co Regions Financial Corp Bank of America Corp Suntrust Bk JPMorgan Chase & Co BB&T Corp Synovus Financial Corp CO CO UT MO NE CO NE CO CT ME RI CT (less than $ million) Amount (,) () 58,76 5,32,263, ,83 28, ,534 97,975 87,969 84,28 4,472 26,482 2,988 5,867,946,5 9,822 66,62 56,364 32,24 269,623 27,64 25,875 92,46 88,334 73,285 54,999 3,32 63,72 54,73 5,588,27,362,247,65 95,54 646,36 45,7 349, ,44 (2) ,536 3,89 5,867, ,6, ,99 594,2 4,998,882 5,253 7,358, , ,38 34,53 22,64 24,342 3,993 32,465,783,489 Micro Business Lending (less than $,) Amount (,) (3) (4) 3, , ,43 38,523 6,239 22,54 5,47 32,925 3,554 7,376 6,79 2,972,99 7,773 7,58 9,695 4,758 36,879 98,24 62,398 46,36 74,35 46,397,47 6,76 6,26 5,942 3,427 8,35 3,729 84, ,5 336,39 78,92 35,768 43,34 39,567 34,23 3,423 5, ,76, , ,59 4,346,267 5,2 7,24, , ,62 2,33 22,639 2,66 32, Macro Business Lending ($,$M) million) Amount (,) (5) (6) 55,2 7 43, ,56 84,38 2,69 253,994 82,568 55,44 52,726 23,96 9,69 99,6 93,958 94,73 82,633 7,27 5,863 9,485 23,783 27,225 6,28 5,525 45,749 77,87 57,9 48,738 79,9 59,645 36,426 2,859 43,77 665,5 64, ,394 9,339 36,8 227,874, ,44 2,3,73, Page 56 of

94 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Georgia Hawaii Idaho P Fncl Svc Group Fifth Third Bancorp Hancock Holding Corp TD Bank NA Northern Trust Corp Capital One Financial Corp Sabadell United Bank Na Compass Bank City National Bank of Florida Ally Financial Totalbank First Citizens Bancshares Synovus Financial Corp Wells Fargo & Co BB&T Corp Suntrust Bk Regions Financial Corp Bank of America Corp United Cmnty Bk State Bk Fncl Corp Ameris Bancorp JPMorgan Chase & Co Fidelity Southern Corp Southeastern Bk Financial Corp SCBT Fncl Corp Colony Bancorp First Citizens Bancorp First Citizens Bancshares Queensborough Co Bank of The West Bank of HI Corp Central Pacific Financial Corp Wells Fargo & Co Zions Bancorp The Bank of Commerce Wtb Financial Corp Keycorp ME FL FL FL SC SC HI HI UT ID WA (less than $ million) Amount (,) () 23,34 23,2 56,233 5,993 49,55 7,28 99,432 84,78 78,386 77,395 7,78 68,949 6,599,5,866 75,933 64,73 64,8 387,64 347,936 9,58 47,2 38,772 2,34 3,635 97,586 82,498 78,467 69,27 68,7 53, ,27 43,594 7,462 37,785 9,49 53,69 92,77 78,27 54,776 (2) 2,252,73 879, ,24 474, ,336 2,48 5, ,466 8,557 2,454 2,696 5,334 8,247,668 83,326 9, , ,636 5,2, Micro Business Lending (less than $,) Amount (,) (3) (4) 7,7,8 33,569,26 8, ,89,24 2, ,93 29,72 5, ,873,349 5, ,2 2,323 8,5,97 6,8 5,482 5, , ,888 48,89 47,9,27 95,597 33,473 8,53 29,38 86,668,484 3,927 2,764 5,542,72 6,273 5,9 9,46 2,237 3,443 95,355 57,733 4,7 22,9,89 5,34 3,77 7,667 9,37 4,527 7,63, , , ,224 4,759, Macro Business Lending ($,$M) million) Amount (,) (5) (6) 59, , , , , , , , ,6 59 7, ,27 4 8, , ,69 282,45 592,94 567,27 286, ,339 57,35 29,49 9,634 33,466 93,5 83,659 69,734 62,925 58,955 6,844 37,53 344,666 3,357 57,9 22,43 32,36 3,574 69,86 67,8 49,435 2,749 89,554, Page 57 of

95 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Illinois Indiana JPMorgan Chase & Co Wintrust Financial Corp First Midwest Bancorp American Chartered Bancorp Bmo Harris Bank NA Bank of America Corp P Fncl Svc Group MB Financial Fifth Third Bancorp Wells Fargo & Co PrivateBancorp Morton Community Bank First Busey Corp First MidIl Bancshares Associated Banc Corp Firstmerit Corp Northern Trust Corp Old Second Bancorp West Suburban Bancorp Regions Financial Corp Taylor Cap Grp RBS Citizens NA Heartland Bancorp Banc Ed Corp Standard Bancshares Midland States Bancorp Capital One Financial Corp Lauritzen Corp Commerce Bancshares First Bks Old Nat Bancorp Home St Bancorp CumminsAmer Corp Ally Financial Bridgeview Bancorp United Cmnty Bancorp Old Nat Bancorp P Fncl Svc Group JPMorgan Chase & Co WI RI NE MO MO IN IN (less than $ million) Amount (,) () 85,86 794, , ,45 47,37 367,23 354, ,9 33, ,359 25,456 95,25 78,52 73,467 5, 44,87 38,25 36,54 35,549 6,755 96,587 93,942 9,54 82,277 76,8 75,432 74,538 72,24 7,474 68,694 63,4 6,646 57,969 55,566 55,28 5,489 5,342 43,584 43, ,63 (2) 45,58 3,45 2,537,646 3,74 4,537 6,288 3,96,247,934 5,66 59,439,64, ,66 232, , , ,74 4,942 2,5 Micro Business Lending (less than $,) Amount (,) (3) (4) 44,96 63,66 5,98 4,426 37,542 65,425 7,839,75 9,67 37,945 59,6 7,56 33,668 24,93 32,757 8,23 9,948 8,88 3,73 4,359 32,755 3,54 5,94 6,259,25 5,826,82 5,26 4,976 7,33 7,238 3,82 6,89 5,5 48,826 3,76,53 85,982 57,248,38 44,3,665,92 7 2,754 3,938 5,555 3,272 53,27 5,436 2,6 652, , , , ,34 4,9,79 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 49,9 73,882 56,548 38, ,775 2,85 283, ,268 3,2 259,44 56,296 87,699 44,853 48,536 8,254 36,668 28,77 27,696 22,476 2,396 63,832 9,888 74,636 66,8 64,93 69,66 64,456 2,979 55,498 6,363 55,766 47,834 5,5 5,46 6,392 47,33 39, ,62 273,29 68, ,75, , Page 58 of

96 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Iowa Kansas Kentucky Fifth Third Bancorp St Source Corp German America Bancorp Wells Fargo & Co Star Fncl Grp Huntington Bancshares Regions Financial Corp Lakeland Financial Corp First Fncl Bancorp First Financial Corp First Bancshares Indiana Cmnty Bancorp First Midwest Bancorp Mainsource Fncl Grp Bank of America Corp Keycorp Bmo Harris Bank NA National Bk Indianapolis Corp Wells Fargo & Co Hills Bancorp Midwestone Fncl Grp West Bancorp BTC Financial Corp Stark Bk Grp Heartland Fncl USA Intrust Financial Corp UMB Financial Corp Commerce Bancshares Emprise Financial Corp Manhattan Bancorp Sunflower Financial Corefirst Bank & Trust Bank of America Corp Central Bancompany Wells Fargo & Co P Fncl Svc Group IN IN IN IN IN IN IN IN IN IA IA IA IA IA IA KS MO MO KS KS KS KS MO (less than $ million) Amount (,) () 264,666 2,748 27,24 98,97 52,56 52,26 5,952 3,552 22,39 98,29 84,654 8,482 79,3 65,8 64,295 6,597 6,45 57,26 54,933 39, ,685 9,252 44,495 4,77 5,295 87,624 76,22 78,475 45,435 4,762 87,5 8,65 72,6 62,29 62,6 58,696 5,52 5,38 369,337 (2),54,356,29 4,58,225,55, , , ,478 6,66,83, ,547 83,37 2, ,772 32,329 4,98 Micro Business Lending (less than $,) Amount (,) (3) (4) 3, , , ,3 4,235 34, ,259,243 37,45,425 2, , , ,8 3 59,24 6,586 9,7 67 5, , ,796 2,32 6, , , ,667 84,76 48,4 26,729 5,58 7,422 9,5 9,635 24,36 6,285 24,959 29,288 6,852 5,763 9,689,6 2,325 6,762 39,68 32,93 7,6 6,, , , ,67 82,287 3,43 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 232, , , , , , , , , , , , , , , , , , , ,898 22,924 43,2 7,766 98,496 97,873 78,69 66,387 54,59 29,5 6,83 58,23 64,763 56,837 52,52 5,559 38,37 44,29,87 236, Page 59 of

97 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Louisiana Maine Maryland BB&T Corp Fifth Third Bancorp JPMorgan Chase & Co Central Bancshares Bank of KY Fncl Corp Republic Bancorp S Y Bancorp Old Nat Bancorp Community Trust Bancorp Whitaker Bancrop Hancock Holding Corp JPMorgan Chase & Co Regions Financial Corp Iberiabank Corp Capital One Financial Corp Community Tr Financial Corp Midsouth Bancorp Red River Bancshares Bancorpsouth Wells Fargo & Co Bangor Bancorp MHC Camden Nat Corp TD Bank NA Norway Bancorp MHC Gorham Bancorp MHC Machias Bancorp MHC Keycorp P Fncl Svc Group BB&T Corp Wells Fargo & Co Bank of America Corp M&T Bk Corp Suntrust Bk Sandy Spring Bancorp Susquehanna Bancshares Capital One Financial Corp JPMorgan Chase & Co HSB Bancorp KY KY KY KY IN KY KY LA LA LA LA ME ME ME ME ME ME MD MD (less than $ million) Amount (,) () 28,253 2,443 58,48 42,778 4,253 5,44 96,75 94,378 87,96 78,278 68, 796, ,85 332,532 33,98 325,522 97,6 24,2 4,35 76,676 5,822 69,525 42,389 8,759 68,725 64,68 59,794 5,664 6,37 348,77 29,9 272,767 24,499 79,278 47,88 4,48 85,32 8,458 64,97 (2),67 5,62,35 5,329, ,9 4,363,747 5,58,699 8,93,49, ,45,384,434, ,74,355 6,4 6,526,534, ,942 7, Micro Business Lending (less than $,) Amount (,) (3) (4) 28, ,9 5,246 2, ,883 5,8 27, , , , , , , ,77 9,385 9,48 43,28 92,757 34,969 25,858 23,27 7,897 42,255 3,284 42,78 47,294 4,823 9,794 7,56 6,874 53,8 3,42 89,973 8,635 48,599 3,5,9 3,622 45,39 73,425 6,873 2,458,6 4, , ,395,7,9, , ,47 6,, ,83 7, Macro Business Lending ($,$M) million) Amount (,) (5) (6) 89, , , , , , , , , , , , ,465 23,4 287, ,765 62,37 98,343 9,98 58,779 9,567 39,24,3 6,465 53,92 54,887 42,638 44,79 458,362 37,565,937 9,32 65,9 49,73 37,699,796 39,73 8,33 48,97, , Page 6 of

98 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Massachusetts Michigan Minnesota Bank of America Corp Eastern Bk Corp TD Bank NA RBS Citizens NA Independent Bancorp Wells Fargo & Co Salem Five Bancorp JPMorgan Chase & Co Middlesex Bancorp MHC Enterprise Bancorp Boston Private Fncl Hold Beacon Bancorp Berkshire Bank M&T Bk Corp Capital One Financial Corp Comerica Fifth Third Bancorp P Fncl Svc Group Chemical Financial Corp JPMorgan Chase & Co Huntington Bancshares Bank of America Corp Talmer Bancorp Citizens Republic Bancorp Mercantile Bk Corp Macatawa Bancorp Wells Fargo & Co Independent Bk Corp Fidelity Bank MBT Financial Corp Isabella Bancorp Arbor Bancorp Firstbank Corp RBS Citizens NA Wells Fargo & Co Otto Bremer Foundation Anchor Bancorp MA ME RI MA MA MA MA MA MA MA RI (less than $ million) Amount (,) () 436,466 33,89 235,737 22,274 69,83 49,479 6,8 93,78 9,93 89,46 82,979 57, 56,59 55,3 52,382,4, , ,99 569,87 562,653 46,8 427,6 36,4 332,8 263,554 23,448 76,98 45,985 2,529,795 95,276 88,94 87,546 64, 56,55,83,838 65, ,23 28,569 (2) 8,672,474 2,773 3, , , ,32 4,347 4,866 8,374 3,65 2,799 3,429 5,64,438,549,54,8 4, , ,4 22,743 2,287,2 Micro Business Lending (less than $,) Amount (,) (3) (4) 38, 38,259 93,58 46,8 2,689 9,95 9,77 86,3 9,797 5,98 6,477 6,637 9, ,436 7,92 99, ,35 93,96 9,255 78,378 68,73 27,547 37,78 22,5 27,994 34,573 26, 6,87 94,92 7,34 8,49 8,986 2,7,92 687, 234,368 53,45 24,954 7, ,348 2, , , ,264,87 2,769 6,754 2,92 9,897 2,422 4, , , ,83 2,843, Macro Business Lending ($,$M) million) Amount (,) (5) (6) 298, ,63 42,29 74,94 49,24 29,528 97,3 7,695 8,396 74,38 76,52 5,463 46,894 54,73,946,32, , , ,9 37,398 38,73 358, , ,3 24,53 85,454 42,335 9,875 3,72 5,883 77,936 7,865 78,56 5,399 44, ,828 37, ,672 93, ,53 2,97,62,423 92, ,27 9, Page 6 of

99 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Mississippi Missouri Montana Nebraska Klein Financial Associated Banc Corp State Bancshares JPMorgan Chase & Co Voyager Fs Corp Alerus Financial Corp Bank of America Corp Trustmark Corp Regions Financial Corp Bancorpsouth Hancock Holding Corp Renasant Corp Bancplus Corp First M&F Corp Citizens Nat Banc Corp Central Bancompany Commerce Bancshares UMB Financial Corp Bank of America Corp Great Southern Bancorp Regions Financial Corp P Fncl Svc Group Arvest Bk Grp Stupp Bros Hawthorn Bancshares Wells Fargo & Co JPMorgan Chase & Co First Bks First Intrst Bancsystem Wells Fargo & Co Stockman Financial Corp Glacier Bancorp Lauritzen Corp Wells Fargo & Co Pinnacle Bancorp Farmers & Mrch Inv WI ND ND MO MO MO MO AR MO MO MO MT MT MT NE NE NE (less than $ million) Amount (,) () 28,72 25,75 73,526 69,48 59,659 59,57 58,472 35,88 246,55 87,329 43,75 2,6 83,788 78,658 66,32 688,74 477,27 49,663 24,345 53,45 27,92 23,992 4,72,57 9,46 9,98 84,897 65,9 54,84 58,39 5,46 44,574 39,546 76,93 233,249 28,2 4,47 32,752 (2) , ,542 3,43 3,95 2,79,89,9, ,79 3,337 2,648,54 4,227 65,75, ,49 6, ,26 4,2,242,358 2,59 2,95 5,87 2,57 8 Micro Business Lending (less than $,) Amount (,) (3) (4) 2,52 56,38 2 2, ,773 5,838,7 25 4,24 9 4,25,444 85,865 99,79 47,62 27,88 25,6 28,55 24,295 2,985 24,244 73,374 45,39 9,87 49,2 3, 35,92 32,292 5,696 5,884 9,93 7,793 6,37 7,539 43,664 87,764 3,59 34,32 29,847 47,938 6,732 44,695 2,94 2,247 3,56, , ,63 2,28, , , ,42 6,444 83,676 3,94 896,4 2,375,646 4,932, Macro Business Lending ($,$M) million) Amount (,) (5) (6) 6, , , , , , , ,323 46,786 39,727 5,987 87, 55,237 54,363 53, ,496 43, ,354 95,58 4,33 4,99 88,8 82,4 85,8 85,532 7,285 3,4 4,593 47,275 4,727 63,642 2,983 5,225 46,346 85,3 9,27 96,352, ,646, Page 62 of

100 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Nevada New Hampshire New Jersey New Mexico New York American Nat Corp Wells Fargo & Co Zions Bancorp Western Alli Bancorp Bank of America Corp City Nat Corp TD Bank NA Bank of America Corp RBS Citizens NA P Fncl Svc Group Wells Fargo & Co Bank of America Corp JPMorgan Chase & Co Valley Nat Bancorp TD Bank NA Capital One Financial Corp Sun Bancorp NJ Fulton Fncl Corp Lakeland Bancorp Texas Cap Bancshares Provident Fncl Svc HSBC Bank USA NA Susquehanna Bancshares Stewardship Fncl Corp Wells Fargo & Co Bank of America Corp JPMorgan Chase & Co HSBC Bank USA NA Capital One Financial Corp Bank of America Corp M&T Bk Corp First Niagara Fncl Group Wells Fargo & Co Texas Cap Bancshares NE UT AZ ME RI NJ ME NJ NJ NJ NJ (less than $ million) Amount (,) () 4,59 5,54 384, ,225 77,246 3,787 78,967 5,4 33,237 69,937 58,767,55,292 7,36 577,977 48, ,43 34,858 2,226 35,238 33,495 22,459,82 7,9 74,4 64,296 53,8 39,76 83,64 59,899,682,466,285,395,32, ,69 65, ,7 448,88 296,343 (2) 3, ,38 2, ,785 3,23 243,892,396,246,38 6,743,29 25,8 2,37 3,974, , ,26,6,379 85,824 7,63 28,572 4,376 3,752 3,35,79 6,834 Micro Business Lending (less than $,) Amount (,) (3) (4) 47,23 3,688 6, ,69 7,88 8,58 42,45 33,84 6,764 6,325 2,89 6,9 473,377 46,78 79,688 26,54 59,782 2,23 86,635 3,526 5,699 4,823 7,445 9,366 24,536 6,258 6,74 89,74 23,59 9, , ,737 44, ,95,968 74, ,5 73,588 2,98 2, ,582 3,94 24,63,27,38 9,86 5,976,82 24,75,544 3,36, , , ,268 83,969 5,468 26,68 3,26 2,24 2,66,289 6,323 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 66, ,32 8 6,86 7,47 58,728 7,642 45,53 44,377 72,92 49,47 42,577 58,95 24, ,289 58,53 32,36 22,628 4,59 2,72 7,796 7,636 38,637 98,535 49,468 58,38 46,44 29,462 6,95 39, ,538 73, ,29 494,9 549,374 45,88,983 22, , , ,855 2,62,954,35,548, Page 63 of

101 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location North Carolina North Dakota Citigroup TD Bank NA Tompkins Fncl Corp NBT Bancorp Financial Inst Community Bk Sys Keycorp Signature Bank Valley Nat Bancorp New York Cmnty Bancorp RBS Citizens NA Canandaigua Nat Corp Hudson Valley Hold Corp Alliance Financial Corp Ally Financial P Fncl Svc Group Suffolk Bancorp Arrow Financial Corp BB&T Corp First Citizens Bancshares Wells Fargo & Co Bank of America Corp Fidelity Bshrs Nc Suntrust Bk Rbc Bank Southern Bshrs Nc Newbridge Bancorp First Bancorp Fifth Third Bancorp Bnc Bancorp Yadkin Valley Financial Corp JPMorgan Chase & Co North Amer Fncl Hold Paragon Cmrl Corp FNB United Corp Ally Financial TD Bank NA Otto Bremer Foundation State Bancshares ME NJ RI FL ME ND (less than $ million) Amount (,) () 238,37 22,22 9,823 88,465 8,353 79,77 64,296 53,832 4,37 39,43 7,79 93,732 88,442 77,887 73,286 72,79 58,58 57,89 54,654,769,486,6,89 879,2 26,86 23, ,77 7,8 63,33 48,44 3,95 3,4 92,787 83,293 78,42 63,67 59,784 58,779 57,758 53,75 7,495 53,265 (2) 3,492 3,5,534,52,693,676,335,3 35 2, 9,69, , ,66 9,8 7,86 6,529,333,445,974,46 836, , , Micro Business Lending (less than $,) Amount (,) (3) (4) 8,982 3,7 87,58 2,777 4,669,97 38,873,4 49,745,34 47,24,253 2, , , ,32,733 4,66 9,643 22,8,694 22, ,738 87, ,825 2,3, , , ,9 25,284 45,343 75,7 28,25 3,79 33,37 36,245 2,78 35,297 6,626,87 22,6 66,5 7,97 6,75,447 49,25 9,564 9,864 2,285 4,799 7,389 6,582 6, ,589,8 473, , , Macro Business Lending ($,$M) million) Amount (,) (5) (6) 56, , , , , , , , , , , , ,3 7 73, , ,966 47, , ,76 29,537, , ,777 85,79 22,22 93,898 37,493 27,86 27,686 78,68 86,55 8,98 6,232 2,287 55,25 53,69 48,332 8,633 44,87 5,63 3,98 4,267 2,4, Page 64 of

102 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 Micro Business Lending (less Macro Business Lending (less than $ million) than $,) ($,$M) million) State or Territory Name of Lending Institiution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Wells Fargo & Co 3,734 2,35 58,2 2,2 72,74 93 Alerus Financial Corp ND 69,78 45, , ,854 3,577 35,6 3,53 29, Dacotah Bks SD 58, , ,72 45 Ohio P Fncl Svc Group,824, 7, , 3,749,28,9 3,686 Huntington Bancshares,26,3,27 259,964 7, ,337 2,68 Fifth Third Bancorp 97,37 4,96 9,65 2,842 87,26 2,74 JPMorgan Chase & Co 587,7 2,878 22,39 2, , Park Nat Corp 482,562 3,397 92,792 2, ,77, 426,44 8,73 93,6 8,94 233, Keycorp 279,73,64 3, , Firstmerit Corp 257,352,74 28,357,85 228, First Fncl Bancorp 8, , , Wells Fargo & Co 45,37 3,998 9,956 3,862 25,8 36 Bank of America Corp 94,76 3,839 36,828 3,689 57,932 5 Citizens Bancshares 64, , ,366 5 FNB Corp 6, , , RBS Citizens NA RI 59,82,37 5,955,237 43, Wesbanco WV 54, , ,49 3 Ally Financial 5,84,37 44,79,36 5,293 Oklahoma Bancfirst Corp OK 372,58 3,889 86,854 3,66 285, Arvest Bk Grp AR 299,63 3,44 72,534 2, , Bok Financial Corp OK 6, , , One Rich Hill Land LTD Parts 98, , , RCB Holding Corp OK 94, , , JPMorgan Chase & Co 85,69 5,735 55,3 5,663 3,38 72 Southwest Bancorp OK 74, , ,689 2 Central Bancompany MO 73, , ,65 79 Durant Bancorp OK 59, , , Wells Fargo & Co 52,6,65 45,396,56 7,24 44 Bank of America Corp 5,446,766 2,33,692 3,33 74 Oregon Wells Fargo & Co 6,27 6,95 386,37 5,33 23, ,793 6,93 68,992 5,523 27,8 67 Umpqua Holding Corp OR 273,32,354 35, ,7 637 West Coast Bancorp OR 96, , ,6 457 Bank of America Corp 3,497 4,78 46,345 3,956 85, Keycorp 23,88 693, , Pacific Continental Corp OR 5, , , Sterling Financial Corp WA 3, , , Page 65 of

103 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Pennsylvania Puerto Rico Rhode Island Columbia Bkg Sys JPMorgan Chase & Co Bank of The West Banner Corp P Fncl Svc Group Wells Fargo & Co FNB Corp National Penn Bancshares M&T Bk Corp Susquehanna Bancshares RBS Citizens NA Fulton Fncl Corp First Niagara Fncl Group Bank of America Corp S&T Bancorp JPMorgan Chase & Co Firstrust Bank Northwest Bancshares Inc Huntington Bancshares Cnb Fncl Corp TD Bank NA First Commonwealth Fncl Corp Metro Bancorp Univest Corp of Bryn Mawr Bk Corp Community Bk Sys Ally Financial Capital One Financial Corp Graystone Tower Bank Vist Fncl Corp Texas Cap Bancshares St Summit Bc of Johnstown QNB Corp Popular Compass Bank Banco Santander De Puerto RI First Bancorp Oriental Fncl Grp WA WA RI ME PR PR PR PR (less than $ million) Amount (,) () 9,97 9,47 8,966 54,946 2,92,6 694, ,234 43,8 34,64 294, ,86 247,43 232,523 77,736 75,485 5,99 33,59 28,58 27,86 25,785 9,525 4,466 4,37 95,487 9,82 9,35 78,827 74,8 7,627 69,97 65,35 59,235 57,54 54,83 855,875 28,983 93,25 84,94 76,364 (2) 487 7, ,979 4,53 3,36,75,997,94 3,99,94 2,278 6,398,84 4, ,72,576,74 885, ,83, , ,356, Micro Business Lending (less than $,) Amount (,) (3) (4) 4, ,343 7,29, , , ,8 76,8 4,873 6,2 53,34 64,573 27,34 57,349 7,85 46,82 36,593,828 29,234 2,3 44,626 27,53 35,374 23,457 9,9 2,662 5,3 4,893 68,236 54,92 5,683 7,9 28,928,396 3,4 325,777 32,4 8,793,23 7,279 2,482 3,645,78 82,257,245 3, ,763 6,98,374 4, ,5, , ,73, , , Macro Business Lending ($,$M) million) Amount (,) (5) (6) 76, , , ,74 27,252, ,86 555,423 36, ,62 24,34 93,243 22,72 75,74 5,886 28,683 5,326 2,23 99,274 5,83 8,59 92,372 79,92 8,85 86,297 69,42 85,32 63,934 6,565 5,75 64,287 58,232 3,37 46,758 4,979 53,98 96,979 74,332 74,7 69,85 3, , , Page 66 of

104 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location South Carolina South Dakota Tennessee Texas Bank of America Corp Bank Rhode Island RBS Citizens NA Washington Trust Bancorp BB&T Corp Wells Fargo & Co SCBT Fncl Corp First Citizens Bancorp Synovus Financial Corp Bank of America Corp TD Bank NA Regions Financial Corp Suntrust Bk Wells Fargo & Co Dacotah Bks Minnehaha Bancshares First Intrst Bancsystem Regions Financial Corp First Horizon Nat Corp Pinnacle Fncl Ptnr Suntrust Bk BB&T Corp First South Bancorp Wells Fargo & Co Bank of America Corp First Citizens Bancshares Renasant Corp Synovus Financial Corp First Scty Grp Bancorpsouth Wells Fargo & Co JPMorgan Chase & Co Cullen/Frost Bkr Bank of America Corp Compass Bank Zions Bancorp RI RI RI SC SC ME SD SD MT TN TN TN TN TN UT (less than $ million) Amount (,) () 25,664 9,898 78,33 56, ,96 359, ,389 3,59 25,53 52,842 4,482 85,645 7,57 255,87 48,676 47,43 9,639 5, ,52 559, ,88 266,688 49,5 47,94 5,477 2,788 9,965 73,949 7,24 65,344 63,545 53,27 2,38,298,26,895,7, ,86 552, ,655 (2),377 86, ,223 6,652 2,58 2,648,57 3, ,73,526 2, ,393 2,883 2,357,8 62,996 4,752 2,47 3, ,695 64,379 4,47 7,266 9,376 3,227 Micro Business Lending (less than $,) Amount (,) (3) (4) 26,24,7 27, 529 7,226,43 5, ,339 68,489 54,484 69,28 39,828 4,493 2,439 8,8 5,25 7,28 34,53 29,25 5,233 5, ,826 78,28 55,646 7,453 3,873 36,934 5,25 69,788 34,83 2,496 3,7 6,99,349,732,376,667 65,645 9, ,64 282,823 8,586,78 6,7,325, , ,328,66 2, ,296,553, ,648 4,597 2,32 3, ,646 62,866,736 6, 8,56 2,9 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 99, , , , ,577 9,93 274,95 232,238 2,73,349 2,43 67,527 66,32 48,59 4,623 7,838 94,46 34, ,676 48, , ,235 35,232,97 55,262 33, 57,62 53,453 58,7 58,354 53,96 4,539 94,63 69,25 926,694 45,22 27,36 462,69, ,97,33, ,49,53 2,3,66 86,37 Page 67 of

105 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Utah Texas Cap Bancshares Prosperity Bancshares Comerica Capital One Financial Corp Amarillo Nat Bancorp International Bshrs Corp American St Fncl Corp Regions Financial Corp MOW/RPW Ii Happy Bancshares Overton Financial Corp ANB Holding Corp Legacytexas Grp City Bank Bok Financial Corp Ally Financial Weststar Bhc Southside Bancshares Broadway Bancshares Central Cmnty Corp CBFH North Amer Bancshares Jefferson Bancshares Trustmark Corp Bancorpsouth Hancock Holding Corp Encore Bancshares Inwood Bancshares Woodforest National Bank Plains Bancorp American Bk Holding Corp Metrocorp Bancshares Patriot Bancshares Security Holding Corp First NB Group Community TR Financial Corp First Citizens Bancshares Inter National Bank Zions Bancorp Wells Fargo & Co OK LA UT (less than $ million) Amount (,) () 42,22 368,84 32,39 34,32 244,85 225,636 29,44 98,976 78,22 76,259 73,29 55,422 55,33 52,635 48,557 39,72 32,568 23,638 5,39 4,886 8,454 94,643 86,68 85,47 84,674 83,854 82,59 78,92 74,563 72,598 72,439 7,93 7,387 68,247 65,462 64,463 58,89 57,88 53, ,94 497,42 (2) 4,48 3,59,47 27,989 4,5 2, 2,484 2,39,277,72,97,33 75, , ,39 79, , ,75 4,458 Micro Business Lending (less than $,) Amount (,) (3) (4) 5,8 3,636 72,894 2,78 4, ,555 27,538 5,42 3,669 49,459,544 5,996 2,7 5,694,995 37, ,98,267 33, , , ,6 953, ,836 3,869 2,2 4 32, , , , 723 7, ,47 5,827 7, , , ,6 83 6,43 9 9, , , , , , , , ,37 9 6, , , ,588 6,552 3,886 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 297, , , , , , , , , , , , , , , ,236 23, , , , , , , , , , , , , , , , , , , , , , , ,947 73,832, Page 68 of

106 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Vermont Virginia Washington West Virginia JPMorgan Chase & Co Keycorp Merchants Bancshares TD Bank NA BB&T Corp Wells Fargo & Co Suntrust Bk Bank of America Corp P Fncl Svc Group First Citizens Bancshares Union First Mkt Bshrs Corp Townebank Stellarone Corp Southern Bshrs United Bancshares Capital One Financial Corp Burke & Herbert Bank And Trust JPMorgan Chase & Co Virginia Cmrc Bancorp Eastern Bancshares Cardinal Financial Corp First Cap Bancorp Wells Fargo & Co Bank of America Corp Wtb Financial Corp Banner Corp ColUMBia Bkg Sys Keycorp JPMorgan Chase & Co Sterling Financial Corp Washington Bkg Co Skbhc Holds Llc Olympic Bancorp Umpqua Holding Corp Peoples Bancorp BB&T Corp VT ME WV WA WA WA WA WA AZ WA OR WA (less than $ million) Amount (,) () 48,63 97,488 65,988 68,725 53,939,5, , , ,76 2,38 8,365 62,738 55,979 55,42 48,32 7,494 94,55 86,374 82,965 76,29 57,685 56,637 52, 724,392 64,47 379, ,62 285,37 268,26 92,99 63,29 32,589 25,68 69,7 67,3 66,36 59,73 224,746 (2) 5,424 2, ,457 4,84 2,54 6,359,526,392, , , ,26 5,93,36,6,649,93 899, ,269 Micro Business Lending (less than $,) Amount (,) (3) (4) 54,33 5,23 3,58 2,79 6,329 89,25 7,966 6,86 389,9 48,758 77,938 47,338 32,898 23,44 22,354 2,96,669,988 43,965 2,579 72, 9,265 3,257,894 7, ,876 76,4 49,63 36,94 34,67 27,863 4,768 4,34 5,29 2,42,682 2,349 6,29 6,89 33, ,985 3,959,42 5,829, , , ,384 4,893, , Macro Business Lending ($,$M) million) Amount (,) (5) (6) 94, , , ,475 35, , , ,66 2,768 53,7 47,467 39,324 33,625 34,459 37,463 95,56 5,9 73,795,955 66,864 44,428 54,743 44,77 285,56 427,96 23,896 29,67 25,7 24,263 78,222 48,85 7,299 5,466 58,425 54,764 6,97 52,822 9, , , , Page 69 of

107 Table 4A Top Small Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution HQ Location Wisconsin Wyoming United Bancshares Huntington Bancshares JPMorgan Chase & Co City Holding Corp Wesbanco Associated Banc Corp Johnson Fncl Grp Wells Fargo & Co JPMorgan Chase & Co River Valley Bancorp Baylake Corp TRI City Bshrs Corp Oconomowoc Bancshares NEB Corp Wintrust Financial Corp Waupaca Bancorp Bankmanagers Corp Community Banc Corp Sheboyga BMO Harris Bank NA Talmer Bancorp P Fncl Svc Group Otto Bremer Foundation Wells Fargo & Co First Intrst Bancsystem WV WV WV WI WI WI WI WI WI WI WI WI WI MT (less than $ million) Amount (,) () 9,78 72,832 64,95 58,383 53,789 55,46 483,724 35,352 24,87 25,42 87,4 3,7 28,2 27,47 22,39 9,89 4,594,374 86,7 64,973 58,86 57,7 56,228 24,493,589 (2), , ,6 2,29,359 6,85 9,348, ,4 487, ,57,253 Micro Business Lending (less than $,) Amount (,) (3) (4) 38, , ,66,62, , ,87 42,853 27,663 44,685 87,966 28,386 6,67 4,69,549 26,59 9,859 25,53 6,26 9,8 7,79,847,397,254 57,6 3,458 9, ,77 9, , ,39,25 Macro Business Lending ($,$M) million) Amount (,) (5) (6) 52, , , , , ,59 44,87 323,689 97,22 27,436 59,25 4,533 3,53 5,498 95,8 99,33 79,9 95,3 77,69 57,83 47,339 46,34 45,974 67,432 7,3 983, Note: Small businesses seeking loans should also consider banks that particpate in the SBA loan programs To locate an SBA certified lender near you, call 88ASKSBA Source: US Small Business Administration, office of Advocacy, from Community Reinvestment Act reports Page 7 of

108 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Alabama Alaska Arizona Arkansas Regions Financial Corp Wells Fargo & Co Synovus Financial Compass Bank ServisfirstBancshares Banctrust Fncl Grp JPMorgan Chase & Co Bank of America Corp Ally Financial Bancindependent Renasant Corp Hancock Holding Corp RBCBank Capital One Financial Corp West Alabama Cap Corp Wells Fargo & Co Bank of America Corp First National Bank Alaska Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp Zions Bancorp Compass Bank Ally Financial Capital One Financial Corp Texas Capbancshares Arvest Bk Grp Regions Financial Corp First Security Bancorp Wells Fargo & Co JPMorgan Chase & Co Ally Financial Bancorpsouth Simmons First Nat Corp HQ Location AK UT AR AR AR Micro Business Lending (less than $,) Amount (,) () (2) 36,39 5,539 7,787 54,757 35,45 28,68 27,7 2,537 2,4 9,23 5,844 5,5 2,858 2,645,69,989 36,644 3,959 22,9 733,58 25,986 9,873 6,942 5,59 4,46 2,222 9,543 5,674 99,54 56,72 37,79 33,889 32,499 24,49 22,43 2,447 7,86,97 4,6,594, ,93 2, , ,35 3, ,53 2,52 5,394 2,56,594 3, ,857 3,86 3,374 2,263,373,6 2,532 2, (less than $ million) Amount (,) (3) (4) 87,94 24, ,292 5,74 42,777 4,87 29,49 47,722 22,75 89,659 6,76 4,26 53,59 4,52 43,24 2,8 238,974 4,2 43,737,46, , ,58 258,2 98,9 84,933 2,64 22,954 9,575 49,77 99,64 27,677 4,25 67,552 28,5 23,46 78,832 52,66 3,342 4,469 2,697,93,685,7 3,2 2, , ,694 3, ,838 2,94 5,882 3,9,73 3, ,87 3,22 4,557 2,73,77,99 2,622 2, Macro Business Lending ($,$ million) Amount (,) (5) (6) 5,632 34,685 36,55 6, ,732 86,36 2,238 27,85 2,6 7,536 9,232 25,92 4,2,876 3,595,9 2,33 8,25 2,78 42,854 4,589 76,635 96,259 46,49 44, ,4 3,9 39,663 42,938 89,958 6,36 35,53 4, ,385 34,756,425 49, , , Page 7 of

109 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution California Homebancshares First Bk Corp Bank of America Corp Libertybancshares Capital One Financial Corp Iberiabank Corp Summit Bancorp Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp Union Bank NA Capital One Financial Corp Zions Bancorp Bank of The West Ally Financial Citigroup City Nat Corp Texas Capbancshares Mechanics Bank HSBC Bank USA NA CVB Financial Corp Rabobank NA Lauritzen Corp Umpqua Holding Corp Comerica Tricobancshares CapGen Cap Grp Ii Lp Community Bank Westamerica Bancorp SVB Fncl Grp Sierra Bancorp 867 Western Financial Corp Stearns Bank N A Compass Bank First Bks GE Capital Financial Inc First Fncl Grp Wilshire Bancorp First Citizensbancshares HQ Location AR AR AR LA AR UT NE OR MO UT Micro Business Lending (less than $,) Amount (,) () (2) 5, , ,36,284 5,2 44,78 2,948,69 232, ,374,56,4, ,35 36,26 323,77 55,64,85 94,423 92,448 63,63 56,684 5,646 35,32 35,3 33, 28,682 26,536 25,94 24,65 23,354 22,53 2,759 2,4 9,366 4,973 4,59 4,449 4,385 3,662 3,535 2,455 2,324,33 26,966,992 37,754 3,893 9,537 39,95 3,7 2,92 2,72 2,46,89,479 96, , (less than $ million) Amount (,) (3) (4) 67, , ,86,357 84, ,65 2,953 69, , ,772,862,345,786,636,99 99, ,996 94,2 77,72 67,45 99,729 87,77 638,8,484 39,986 7,35 35,2 22,96 33,638 25,6 43,554 24, , ,587 25,953 8,45 94,45 39,49 2,66 25,894 87,76 36,227 33,68 58,46 57,67 225,876,9 4,79 33,384,35 39,242 4,628 4,7 2,75 2,553 2,476,663,48,549, ,9 947, , Macro Business Lending ($,$ million) Amount (,) (5) (6) 5, , , ,448 96, , , ,398,3 34,62,79,64 63,735 62,289 38,56 66, ,722 7,28 24,544 58,397 48,838 4,665 35,85 37,2 93,224 7,2 79,82 45,94, ,259 23,828 84,939 88,779 79,478 24,982 6,67,59 74,99 22,692 2,63 45,822 46,276 8,9 99 3,36,49,84 47,5, , Page 72 of

110 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Cathay Gen Bancorp Western Alli Bancorp ExchanGE Bank Colorado Wells Fargo & Co JPMorgan Chase & Co Compass Bank Capital One Financial Corp Firstbank Holding Corp Zions Bancorp Ally Financial Cobiz Financial Pinnacle Bancorp Bank of America Corp Lauritzen Corp Bank of The West UMB Financial Corp Texas Capbancshares First Citizensbancshares Alpine Bk of Co Guaranty Bancrop Connecticut Wells Fargo & Co Bank of America Corp JPMorgan Chase & Co Webster Fncl Corp TD Bank NA Ally Financial Capital One Financial Corp First Niagara Fncl Group Texas Capbancshares RBS Citizens NA Delaware P Fncl Svc Group Wells Fargo & Co JPMorgan Chase & Co District of Columbia Wells Fargo & Co HQ Location AZ CO UT CO NE NE MO CO CO CT ME RI Micro Business Lending (less than $,) Amount (,) () (2),522 29,243 69, ,43 6,239 38,523 36,879 34,772 32,925 3,554 24,373 22,54 2,972 9,695 7,58 7,376 6,79 6,232 5,47 4,758,99 46,36 98,24 74,35 62,398 46,397 22,935 22,439 9,98 6,76 2,663,47 5,942 33, 28,274 2,28 3,729 34,23 5,56 3,423,59 7,65 2,76, , , ,2 4,346 7,24,267,3 72 4,265,7 388,853 75,23 2,27 974,6 98 (less than $ million) Amount (,) (3) (4) 233, , ,96 43,263,946 28, ,83 56,364 4,486 87,969 84,28 25,93 276,534 2,988 9,822,5 4,472 26,482 22,678 97,975 66,62 5,867 27,64 32,24 25, ,623 92,46 25,552 28,497 22,797 73,285 22,429 88,334 3,32 39,242 46,353 3,438 5,588 35,536 5,867 3,89,2 7,63 3,6,788 78,24 934, , ,253 4,998 7,358,882, ,287, ,89 868,469 2,297,27,64,38 Macro Business Lending ($,$ million) Amount (,) (5) (6) 223, , , ,56 2,69 84,38 9,485 5,74 55,44 52, ,994 99,6 7,27 82,633 23,96 9,69 6,446 82,568 5,863 93,958 6,28 23,783 5,525 27,225 45,749 2,67 6,58 2,86 57,9 9,766 77,87 79,9 6,3 8,79,23 2,859, Page 73 of

111 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Florida Georgia P Fncl Svc Group Wells Fargo & Co Regions Financial Corp Bank of America Corp JPMorgan Chase & Co Capital One Financial Corp Suntrust Bk P Fncl Svc Group Ally Financial BB&T Corp Compass Bank Synovus Financial Fifth Third Bancorp TD Bank NA Texas Capbancshares HSBC Bank USA NA Hancock Holding Corp Totalbank Sabadell United Bank NA Citigroup Northern TR Corp Capital City Bk Grp RBCBank Stearns Bank N A Wells Fargo & Co Synovus Financial Regions Financial Corp Bank of America Corp JPMorgan Chase & Co BB&T Corp Suntrust Bk Ally Financial United Cmnty Bk Capital One Financial Corp Ameris Bancorp State Bk Fncl Corp Queensborough Co HQ Location ME FL FL FL Micro Business Lending (less than $,) Amount (,) () (2) 8, , ,5 336,39 35,768 99,93 78,92 7,7 7,2 6,8 43,34 42,873 39,567 33,569 3,89 22,347 2,96 8,894 8,5 5,58 4,452 2,8,622,337, ,888 53,797,27 95,597 86,668 48,89 47,9 37,55 37,38 33,473 33,395 29,38 8,53 5,9 33,62 2,33 22,639 32,46 29,72 2,66,8 2,323 5, ,349 8,26,24 3,76,847 53, ,667 3,77 4,527 7,63 9,374 9,37 3,2,44,2, (less than $ million) Amount (,) (3) (4) 54,73 55,27,362,247,65 95,54 45,7 7,28 646,36 23,34 77,395 68, ,422 84,78 267,44 23,2 5,993 42,27 47,856 56,233 7,78 99,432 49,636 49,55 27,286 28,226 22,536 75,933,5, ,64 347,936 2,34 64,73 64,8 43,984 4,752 9,58 4,268 38,772 47,2 53,442 34,53 22,64 24,342 32,465 29,24 3,993 2,252 2,336 5,59,783,467,489,73,473 3,245, , ,557 6,466 5,334 8,247 9,46 2,454 2,696 3,234,53,668,458, Macro Business Lending ($,$ million) Amount (,) (5) (6) 36, ,77 665,5 64,763 9,339 7,98 567,394 59,64 7,393 8,869 36,8 4,98 227,874 96,543 2,84 9,78 25,95 37,339 53,27 84,374 35,84 36,355 5,664 6,889, ,45 962,69 286, ,339 33, ,94 567,27 6,433 4,64 57,35 7,873 9,634 29,49 37,53,44 2,3, , , ,554, Page 74 of

112 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Guam Hawaii Idaho Illinois Colony Bancorp Southeastern Bk Financial Corp Texas Capbancshares SCBT Fncl Corp Fidelity Southern Corp First Citizens Bancorp Bank of The West Bank of The West Wells Fargo & Co JPMorgan Chase & Co Central Pacific Financial Corp Bank of HI Corp Bank of America Corp Wells Fargo & Co Zions Bancorp The Bank of Commerce JPMorgan Chase & Co WTB Financial Corp Bank of America Corp JPMorgan Chase & Co Wells Fargo & Co P Fncl Svc Group Bank of America Corp Wintrust Financial Corp First Midwest Bancorp Capital One Financial Corp Ally Financial American Chartered Bancorp Fifth Third Bancorp BMO Harris Bank NA Morton Community Bank First MidIlbancshares Regions Financial Corp First Busey Corp MB Financial HQ Location SC SC HI HI UT ID WA Micro Business Lending (less than $,) Amount (,) () (2) 5, , ,295 2,588 2, ,484 2,72 249,288 9,46 33,33 6,22 3,443 2,237 2,2 95,355 57,733 4,7 22,9 7,45,89,37 44,96 65,425 59,6,75 7,839 63,66 5,98 5,26 48,826 4,426 37,945 37,542 33,668 32,757 32,755 24,93 9, ,88,49, ,46 8,224 4,759, , ,3 3,938 5,436 3,272 5,555,665,92,855,558 7,27 2,754,6,25, (less than $ million) Amount (,) (3) (4) 78, , ,354 2,69 82, , , ,46 454,27 4,674 6,355 7,462 43,594 7,877 37,785 9,49 53,69 92,77 2,275 78,27 33,298 85,86 367,23 25, ,9 354, , ,456 72,24 55,28 423,45 297,359 47,37 78,52 5, 96,587 73,467 33, ,83,99, ,62 8,636 5,2, , ,58 4,537 5,66 3,96 6,288 3,45 2,537,928,569,646,934 3,74,439,38,66,64,247 Macro Business Lending ($,$ million) Amount (,) (5) (6) 62, ,659 27, , , , ,28 344,666 7, ,9 3,357 5,765 22,43 32,36 3,574 69,86 4,3 67,8 22,927 49,9 2,85 56, , ,886 73,882 56,548 2,979 6,392 38, ,44 379,775 44,853 8,254 63,832 48,536 3, ,75, Page 75 of

113 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Indiana Iowa Texas Capbancshares Heartland Bancorp RBS Citizens NA Lauritzen Corp West Suburban Bancorp Old Nat Bancorp Old Second Bancorp HSBC Bank USA NA Banc Ed Corp Banterra Corp United Cmnty Bancorp GE Capital Financial Inc Midland States Bancorp P Fncl Svc Group Wells Fargo & Co JPMorgan Chase & Co Old Nat Bancorp St Source Corp Regions Financial Corp Huntingtonbancshares Star Fncl Grp GErman Amer Bancorp Fifth Third Bancorp Ally Financial First Financial Corp Capital One Financial Corp Bank of America Corp Mainsource Fncl Grp Firstbancshares First Fncl Bancorp Lakeland Financial Corp Wells Fargo & Co Hills Bancorp JPMorgan Chase & Co Midwestone Fncl Grp Ally Financial West Bancorp HQ Location RI NE IN UT IN IN IN IN IN IN IN IN IA IA IA Micro Business Lending (less than $,) Amount (,) () (2) 6,449 2,62 6, , , , , ,73 228,97 2,6,25 283, ,53 33,322 26, ,248 5,3,38 85,982 59,24 39,27 37,45 36,259 34,275 33,59 3,797 23,43 23,32 2,274 2,796 7,2 4,8 3,68 2,445 72,667 84,76 48,4 33,33 26,729 22,76 5,58 4,9 4,235,79 2,34 6,586 83,425, ,77 2, ,6 6,,37 3, (less than $ million) Amount (,) (3) (4) 36,77 2,673 82, ,54, 7, , , , ,983 2,27 76, , , , , ,277 98,97 279,63 43,584 8,482 2,748 5,952 52,26 52,56 27,24 264,666 24,54 98,29 27,82 6,597 64,295 84,654 22,39 3,552 39, ,685 9,252 38,34 44,495 23,43 4,77 4,942 4,58 2,5 3,74 6,648,356,75,55,225,29, ,92 2, ,478 6,66,83 3,438, Macro Business Lending ($,$ million) Amount (,) (5) (6) 2, ,8 2 74, , , , , ,76 64, , , , , ,29 82,994 68, ,62 22,268 7,477 3,5 5,957 8,286 73,65 232,869,46 74,997 5,88 4,8 47,275 7,636 8,783 8,7 46,898 22,924 43,2 5, 7, , , Page 76 of

114 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 Micro Business Lending Macro Business Lending HQ (less than $,) (less than $ million) ($,$ million) State or Territory Name of Lending Institiution Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Capital One Financial Corp 5,266 3,36 5,68 3, First Citizens Financial Corp IA 5, ,7 68 3,29 9 Bank of America Corp,44,96 6,267,9 5, Kansas Wells Fargo & Co 39,68,287 5,38,329,87 42 JPMorgan Chase & Co 3,58 3,3 33,844 3,39 3, ,288 2,433 87,5 2,58 58,23 48 Commercebancshares MO 24, ,762,37 6, Intrust Financial Corp KS 24,36,48 78,475,547 54, Bank of America Corp 2,325,67 58,696,772 38,37 Emprise Financial Corp KS 6, , , UMB Financial Corp MO 6, , ,5 32 Manhattan Bancorp KS 5, , , Ally Financial 3, , ,62 4 Capital One Financial Corp 3,495 2,766 4,23 2, Central of KS KS 3, , ,997 8 Corefirst Bank & Trust KS, , , Kentucky P Fncl Svc Group 32,93 3,43 369,337 4,98 236, ,9 5,246 2,443 5,62 37, JPMorgan Chase & Co 5,883 5,8 42,778 5,329 9,895 2 Wells Fargo & Co 35,23,22 4,65,55 5,42 33 BB&T Corp 28, ,253,67 89,925 5 Centralbancshares KY 27, ,253,4 4, Whitaker Bancorp KY 2, ,,9 47,26 7 Fifth Third Bancorp 2, ,48,35 38, Community TR Bancorp KY 9, , , Old Nat Bancorp IN 7, , ,26 26 Huntingtonbancshares 6, , ,724 8 Bank of KY Fncl Corp KY 4, , ,66 24 Ally Financial 3, , ,23 4 Republic Bancorp KY 2, , ,83 23 Capital One Financial Corp,37 3,3 2,725 3,2,688 7 Louisiana Regions Financial Corp 9,48 4, ,532 5,58 23,4 626 JPMorgan Chase & Co 9,385,6 397,85, , Hancock Holding Corp 5,77 2, ,248 4,363 69,477,95 Capital One Financial Corp 92,757 8, ,522 8,93 232, Iberiabank Corp LA 43, ,98, , Wells Fargo & Co 42,255,395 5,822,45 9, Ally Financial 4,48,37 43,557,3 2,49 4 Page 77 of

115 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Maine Maryland Massachusetts Community TR Financial Corp Midsouth Bancorp Texas Capbancshares Red Riverbancshares Bancorpsouth Bank of America Corp TD Bank NA Camden Nat Corp Bangor Bancorp MHC Wells Fargo & Co Bank of America Corp Machias Bancorp MHC Norway Bancorp MHC JPMorgan Chase & Co Wells Fargo & Co P Fncl Svc Group Bank of America Corp JPMorgan Chase & Co M&T Bk Corp Capital One Financial Corp BB&T Corp Suntrust Bk Ally Financial Hsb Bancorp Susquehannabancshares Sandy Spring Bancorp Bank of America Corp Wells Fargo & Co TD Bank NA JPMorgan Chase & Co RBS Citizens NA Capital One Financial Corp Eastern Bk Corp Ally Financial Texas Capbancshares HQ Location LA LA LA ME ME ME ME ME MD MD ME RI MA Micro Business Lending (less than $,) Amount (,) () (2) 34, , ,754 3,54 23, , ,656,727 47,294 42,78 3,284 22,86 8,36 7,56 4,823 4,66 4,56 89,973 53,8 8,635 73,425 48,599 45,39 39,63 3,42 3,5 24,885 6,873 3,622,9 38, 9,95 93,58 86,3 46,8 4,436 38,259 33,93 29,872 27,347,29,9,7 749, ,687,584 6,47 3,853 6, 7,265,29 6,83 3, ,834 3,793 2,348 8,735 2,765 7,264 85,6 6,449 2,4 (less than $ million) Amount (,) (3) (4) 97,6,49 24,2,43 4,258 3,559 4, , ,98,788 8,759 42,389 69,525 28,4 42,7 59,794 68,725 5,6 5,86 29,9 6,37 272,767 8,458 24,499 85,32 46, ,77 79,278 24,885 64,97 4,48 47,88 436,466 49, ,737 93,78 22,274 52,382 33,89 37,625 43,766 33,46,479,434, , ,69,59 6,4 5,74 6,526 7,288,534 6,942 3,4,355, ,672 3,945 2,773 8,755 3,86 7,32,474,66 6,52 2,42 Macro Business Lending ($,$ million) Amount (,) (5) (6) 62, , , , , , ,465,3 39,24 5,55 23,97 42,638 53,92 455,29, ,362 9,32 8,33 65,9 39,73 7,338 37,565 49,73 48,97,796 37, ,465 29,528 42,29 7,695 74,94, ,63 3,695 3,894 6, , Page 78 of

116 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Michigan Minnesota Mississippi Independent Bancorp Enterprise Bancorp South Shore Bancorp MHC P Fncl Svc Group JPMorgan Chase & Co Wells Fargo & Co Comerica Fifth Third Bancorp Chemical Financial Corp Huntington Bancshares Bank of America Corp Citizens Republic Bancorp Capital One Financial Corp Ally Financial Macatawa Bancorp Talmer Bancorp Independent Bk Corp Mercantile Bk Corp Isabella Bancorp MBT Financial Corp Firstbank Corp RBS Citizens NA Wells Fargo & Co JPMorgan Chase & Co Otto Bremer Foundation Ally Financial Capital One Financial Corp Anchor Bancorp Klein Financial Bank of America Corp Statebancshares Voyager FS Corp Associated Banc Corp Regions Financial Corp Trustmark Corp Bancorpsouth HQ Location MA MA MA RI ND WI Micro Business Lending (less than $,) Amount (,) () (2) 2, ,98 335, ,35 9,255 34,573 7,92 99,538 94,92 93,96 78,378 68,73 37,78 37,6 35,923 27,994 27,547 26, 22,5 8,49 7,34 2,7,92 687, 234,368 6,773 53,45 3,882 26,848 24,954 2,52 4,25 2,887,7,38 99,79 85,865 47,62 6,754 9,897 4,574,87 2,769,82 2,92 2,422 4,72 76,485, ,83 2,843 5,838,42,52 5, , ,56 2,247,76 (less than $ million) Amount (,) (3) (4) 69, , , ,99 562,653 76,98,4, ,932, ,87 46,8 427,6 332,8 4,547 46,87 23,448 36,4 45, ,554 88,94 95,276 64, 56,55,83,838 65,264 69,48 498,23 33,325 36,22 28,569 28,72 58,472 73,526 59,659 25,75 246,55 35,88 87,329 8,374 2,799 4,758 4,347 4,866,2 3,65 3,429 5,64,549,5,58,8,438 95, ,4 22,743 5,857 2,287,57 5,469,2 87, ,95 3,43 2,79 Macro Business Lending ($,$ million) Amount (,) (5) (6) 49, , , ,749 37,398 42,335,32, ,394 5, ,9 38,73 358, ,3 4,53,894 85, ,864 9,875 24,53 7,865 77,936 5,399 44, ,828 37,896 7,77 444,672 2,443 9,74 93,65 6,92 44,447 6,639 48,948 5,397 46, ,323 39,727, ,53 2,97 3,423, ,27 9 9, Page 79 of

117 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Missouri Montana Nebraska Bancplus Corp Wells Fargo & Co Hancock Holding Corp Renasant Corp First M&F Corp JPMorgan Chase & Co State Bank And Trust Company Citizens Corp Ally Financial Citizens Nat Banc Corp Central Bancompany Commercebancshares Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp Regions Financial Corp P Fncl Svc Group Ally Financial Capital One Financial Corp Hawthornbancshares UMB Financial Corp Arvest Bk Grp Texas Cap Bancshares Great Southern Bancorp Wells Fargo & Co First Intrst Bancsystem Glacier Bancorp Stockman Financial Corp JPMorgan Chase & Co Ally Financial Wells Fargo & Co Lauritzen Corp Pinnacle Bancorp JPMorgan Chase & Co Farmers & Mrch Inv HQ Location MO MO MO MO AR MO MT MT MT NE NE NE Micro Business Lending (less than $,) Amount (,) () (2) 28,55,425 27, , , , ,77,885 4, , ,3 49 2, ,39 24,244 73,374 7,793 6,37 49,2 35,92 32,292 24,89 2,486 9,93 9,87 5,696 4,32 3, 87,764 43,664 34,32 3,59 29,847 5,37,62 6,732 47,938 47,23 44,695 26,23 2,94,929 4,63 2,28 2,42 6,444 3,953, , , ,94,676, ,375, ,932,646 3,688,734 2, (less than $ million) Amount (,) (3) (4) 83,788,66 35, ,75,89 2,6,9 78, ,953,895 44, , , , , ,74 477,27 84,897 65,9 53,45 23,992 4,72 3,446 28,38 9,98 24,345,57 24,962 27,92 5,46 58,39 39,546 44,574 76,93 6,765,729 28,2 233,249 4,59 4,47 26,823 32,752 2,648 5,79 3,337 2,49 6,46 4,227,75, ,57 84, , ,2 2,26,358,242 2,59, ,87 2,95 3,866 2,57 2,46 8 Macro Business Lending ($,$ million) Amount (,) (5) (6) 55, , , , , ,236 29, ,936 3, , , ,496 43,833 3,4 4,593 4,33 88,8 82,4 5,555 6,832 7,285 95,58 85,8,642 4,99 63,642 4,727 5,225 2,983 46,346,628,27 9,27 85,3 66,936 96,352 7,848 79,646, Page 8 of

118 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Nevada New Hampshire New Jersey New Mexico New York Ally Financial Wells Fargo & Co Zions Bancorp Bank of America Corp JPMorgan Chase & Co Western Alli Bancorp TD Bank NA Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp RBS Citizens NA Ally Financial P Fncl Svc Group Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp TD Bank NA Capital One Financial Corp Texas Capbancshares Valley Nat Bancorp Ally Financial HSBC Bank USA NA Fulton Fncl Corp Lakeland Bancorp Sun Bancorp NJ New York Cmnty Bancorp Wells Fargo & Co JPMorgan Chase & Co Bank of America Corp Compass Bank JPMorgan Chase & Co HSBC Bank USA NA Capital One Financial Corp HQ Location UT AZ ME RI ME NJ NJ NJ Micro Business Lending (less than $,) Amount (,) () (2) 7, ,69 7,88 42,45 33,84 33, 8,58 6,325 3,967 22,566 2,89 6,9,59 473,377 46,78 26,54 79,688 2,23 86,635 7,445 59,782 4,523 39,574 24,536 5,699 4,823 3,526 2,34 89,74 23,59 2,89 9,976 3, , ,737 44,658 2,98 2,23 2,582 3,94 3,58 363, ,27,27, ,86 5,976 24,75,82 3,36,556 8,447,544 3,365, ,79 7, ,327, ,969 5,468 26,68 (less than $ million) Amount (,) (3) (4) 9, , ,225 3,787 78,967 38,868 77,246 33,237 38,423 25,95 69,937 58,767,69,55,292 7,36 48, ,977 34,858 2,226,82 372,43 46,874 4,34 74,4 33,495 22,459 35,238 23,6 39,76 83,64 22,79 59,899 22,966,682,466,285,395,32,687 3,38 2,68 2,785 3,23 3,537 78, ,283,396,246 34,38 6,743 25,8,29 3,974,889 8,595 2,37 3,387, ,75 8,26,6 2,332, ,824 7,63 28,572 Macro Business Lending ($,$ million) Amount (,) (5) (6) 2,44 3 6,86 7,47 7,642 45,53 5,857 58,728 72,92 6,456 3,349 49,47 42, ,95 24,525 58,53 398,289 22,628 4,59 38,637 32,36 6,35,73 49,468 7,796 7,636 2,72,26 29,462 6,95,88 39,923 9,3 793,538 73, , , , ,855 2,62,954 Page 8 of

119 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution North Carolina Wells Fargo & Co Bank of America Corp Texas Capbancshares M&T Bk Corp TD Bank NA Citigroup First Niagara Fncl Group Ally Financial Financial Inst Community Bk Sys Tompkins Fncl Corp NBT Bancorp Signature Bank Canandaigua Nat Corp RBS Citizens NA Keycorp New York Cmnty Bancorp Arrow Financial Corp GE Capital Financial Inc Watertown Savings Bank P Fncl Svc Group Alliance Financial Corp Wells Fargo & Co BB&T Corp First Citizens Bancshares Bank of America Corp JPMorgan Chase & Co Ally Financial Southern Bancshares First Bancorp RBC Bank Capital One Financial Corp Suntrust Bk Fidelity Banchares Yadkin Valley Financial Corp Newbridge Bancorp Fifth Third Bancorp Four Oaks Fincorp HQ Location ME RI UT Micro Business Lending (less than $,) Amount (,) () (2) 347,5, ,95 3,26 73,588 6,323 4,66 9,643,968 2,24 87,58 2,777 8,982 3,7 74,893 2,66 67,825 2,3 49,745,34 47,24,253 4,669,97 38,873,4 3, , ,8,694 2, ,32,733 2, ,74 329, , , , ,9 25,284 75,7 66,5 49,25 36,245 35,297 33,37 32,557 3,88 3,79 28,25 22,6 2,78 6,626 4,4 6,582 4,799 7,389 6,6 7,325,557,8,28,589 2,773 7, (less than $ million) Amount (,) (3) (4) 448,88,79 744,69 4, ,343 6,834 7,79 9,69 65,342 3,752 22,22 3,5 238,37 3, ,7 3,35 72,79 2,4 8,353,693 79,77,676 9,823,534 88,465,52 53,832,3 88, ,732,857 64,296,335 39,43 2, 54, , , , , ,2,769,486,6,89 26,86 78,42 57,758 63,33 3,95 7,8 38,56 36,6 224,77 23,425 83,293 48,44 3,4 49,429 7,86 9,66 9,8 6,529 7,36,57,46,546,974 2,793 7,688,445, Macro Business Lending ($,$ million) Amount (,) (5) (6), ,9,35 22, , ,374,548 4, , ,88,84 4,966 3, , , , , ,3 7 7, , , , , , , , ,777,537, ,535 85,79 2,287 8,633 27,86 78,68 37,493 5,949 5,236 93,898 22,22 6,232 27,686 86,55 35,289,279 4,267 2, Page 82 of

120 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution North Dakota Ohio Oklahoma Oregon BBancorp Southern Cmnty Financial Corp FNB United Corp Wells Fargo & Co Statebancshares Otto Bremer Foundation Dacotah Bks Alerus Financial Corp P Fncl Svc Group Huntingtonbancshares JPMorgan Chase & Co Wells Fargo & Co Park Nat Corp Fifth Third Bancorp Ally Financial Bank of America Corp Capital One Financial Corp Keycorp Firstmerit Corp First Fncl Bancorp RBS Citizens NA GE Capital Financial Inc Bancfirst Corp Arvest Bk Grp JPMorgan Chase & Co Wells Fargo & Co Ally Financial RCB Holding Corp Bank of America Corp Durant Bancorp Central Bancompany Capital One Financial Corp BOK Financial Corp Wells Fargo & Co HQ Location ND SD ND RI UT OK AR OK OK MO OK Micro Business Lending (less than $,) Amount (,) () (2),87 3, , ,2 35,6 2,285 9,864 5,397, , 259,964 22,39 93,6 9,956 92,792 9,65 44,79 36,828 36,2 3,267 28,357 2,937 5,955,47 86,854 72,534 55,3 45,396 24,575 2,782 2,33 9,79 8,976 5,946 5,54 2,83 386,37 2,2 3, ,749 7,652 2,965 8,94 3,862 2,287 2,842,36 3,689 9, ,85 525, ,66 2,787 5,663, ,692 87, , ,33 (less than $ million) Amount (,) (3) (4) 92, , , ,734 64,854 53,265 7,495 58,8 69,78,824,,26,3 587,7 426,44 45,37 482,562 97,37 5,84 94,76 4,69 279,73 257,352 8,858 59,82 26, ,58 299,63 85,69 52,6 27,268 94,652 5,446 59,43 22,237 73,596 8,584 6,924 6,27 2,35 3, ,435,27 2,878 8,73 3,998 3,397 4,96,37 3,839 9,37,64,74 964, ,889 3,44 5,735, , , , ,95 Macro Business Lending ($,$ million) Amount (,) (5) (6) 8, , , ,74 29,748 3,98 5,63 42,72 58,233,28,9 946, , ,379 25,8 389,77 87,26 5,293 57,932 5, , ,995 59,92 43,866 6,78 285, ,629 3,38 7,24 2,693 73,87 3,33 4,352 3,26 57,65 3,7 49,93 23, ,686 2, , 2, Page 83 of

121 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Pennsylvania JPMorgan Chase & Co Bank of America Corp Umpqua Holding Corp Capital One Financial Corp Pacific Continental Corp West Coast Bancorp Texas Capbancshares Columbia Bkg Sys Sterling Financial Corp Bank of The West Ally Financial Keycorp P Fncl Svc Group Wells Fargo & Co JPMorgan Chase & Co FNB Corp Bank of America Corp Ally Financial RBS Citizens NA M&T Bk Corp First Niagara Fncl Group Capital One Financial Corp Susquehannabancshares S&T Bancorp Huntingtonbancshares National Pennbancshares TD Bank NA Northwest Bancshares Inc Texas Capbancshares Fulton Fncl Corp CNB Fncl Corp First Commonwealth Fncl Corp Univest Corp of Community Bk Sys GE Capital Financial Inc QNB Corp Firstrust Bank St Summit Bc of Johnstown HQ Location OR OR OR WA WA RI ME UT Micro Business Lending (less than $,) Amount (,) () (2) 68,992 5,523 68,343 7,29 46,345 3,956 35, ,832 4,33 7, , ,749 4,633 4, ,39 299,247 4,235 34, , ,8 36,593 2,3 76,8 7,85 68,236 64,573 6,2 57,349 54,92 53,34 46,82 44,626 4,873 35,374 29,234 28,928 27,34 27,53 23,457 2,662 4,893 3,26 3,4,828,396 2,482 3,645 4,49,5,78 6,98 2,73 3,485,257,763,225,245,374,476 82, , (less than $ million) Amount (,) (3) (4) 44,793 6,93 9,47 7,92 3,497 4,78 273,32,354 2,47 4,338 5, , ,4 4,646 9, , , , , ,92,6 694,897 5,99 27,86 632,234 77,736 74,8 257,86 34,64 232,523 7, ,655 75,485 25,785 43,8 4,466 28,58 59, ,43 9,525 4,37 9,82 78,827 25,73 54,83 33,59 57,54 23,979 4,53 4,468,576 3,36 6,398 2,83 3,99,997 2,278,272,94,84,74,75,399,72 3,32, Macro Business Lending ($,$ million) Amount (,) (5) (6) 27, , , , , , , , , , ,79 53,8 2 2,37 269,252, ,86 5,326 5,83 555,423 5,886 6,565 93, ,62 75,74 5,75 24,34 28,683 8,59 36,245 79,92 99,274 3,37 22,72 92,372 8,85 69,42 63,934 2,487 4,979 2,23 46,758 3, , Page 84 of

122 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Puerto Rico Rhode Island South Carolina South Dakota Tennessee Popular Compass Bank Banco Santander De Puerto RI First Bancorp Bank Rhode Island Bank of America Corp Wells Fargo & Co RBS Citizens NA JPMorgan Chase & Co Wells Fargo & Co First Citizens Bancorp SCBT Fncl Corp BB&T Corp Bank of America Corp Synovus Financial JPMorgan Chase & Co TD Bank NA Regions Financial Corp Ally Financial CNB Corp Capital One Financial Corp Wells Fargo & Co Dacotah Bks First Intrst Bancsystem Minnehahabancshares Regions Financial Corp First Horizon Nat Corp Wells Fargo & Co Pinnacle Fncl Ptnr JPMorgan Chase & Co First South Bancorp Bank of America Corp First Citizensbancshares HQ Location PR PR PR RI RI SC SC ME SC SD MT SD TN TN TN TN Micro Business Lending (less than $,) Amount (,) () (2) 325,777 32,4 8,793,23 27, 26,24 2,49 7,226 3,79 68,489 69,28 54,484 52,339 4,493 39,828 25,896 24,94 2,439 8,8 6,555 5,832 4,78 7,28 34,53 29,25 5,846 5, ,826 78,28 69,788 55,646 5,25 4,73 36,934 34,83 2,496 9, ,7 653,43,49 6,7,885,325,78 2, ,944 2, ,459 4,328,66 2, ,296,553 2,32,7 4,597 4,752,648 3,22 68 (less than $ million) Amount (,) (3) (4) 855,875 28,983 93,25 84,94 9,898 25,664 24,8 78,33 4,89 359,392 3,59 329, ,96 52,842 25,53 37,772 28,848 4,482 85,645 8,23 38,23 9, ,87 48,676 47,43 5,378 9, ,52 559,752 2, ,88 5,477 46,39 47,94 9,965 73,949,356, ,377 68,28,423 6,652 2,648 2,58 2,223 3,296,57 2,974 2, ,473 4,73,526 2, ,393 2,883 2,47 2,357 4,752 4,763,996 3, Macro Business Lending ($,$ million) Amount (,) (5) (6) 53,98 96,979 74,332 74,7 92,888 99,45 3,752 6,97, 9,93 232, ,95 373,577,349 2,73,876 3,934 2,43 67,527,568 22,399 5,368 48,59 4,623 7,838 34,532 94,46 388,676 48,724 33, 479,442 55,262 4,966,97 57,62 53,453, , ,97,33 5, Page 85 of

123 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Texas Capital One Financial Corp Suntrust Bk Ally Financial BB&T Corp Renasant Corp Bancorpsouth Community Firstbancshares First Scty Grp Wells Fargo & Co JPMorgan Chase & Co Compass Bank Bank of America Corp Capital One Financial Corp Ally Financial Amarillo Nat Bancorp Texas Capital Bancshares Cullen/Frost Bkr Zions Bancorp Prosperitybancshares American St Fncl Corp Regions Financial Corp International Bshrs Corp Happybancshares Comerica MOW/RPW Ii Overton Financial Corp Southsidebancshares ANB Holding Corp City Bank CBFH Central Cmnty Corp Weststar BHC Security Holding Corp Legacy Texas Grp Bancorpsouth Broadway Bancshares Plains Bancorp American Bk Holding Corp Jefferson Bancshares HQ Location TN TN UT Micro Business Lending (less than $,) Amount (,) () (2) 9,329 4,7 7, , , ,7 45, , , ,376,667 65, , ,64 3,555 25,836 5,42 5,8 9,999 8,586 72,894 67,47 5,996 5,694 49,459 43,98 4,6 37,627 33,28 32,5 3,663 3,6 26, 23,78 2,2 2,78 9,828 9,282 8,89 8,494 8,93 7,777 56,646 62,866 8,56 6, 27,538 3,869 3,669 3,636,736 2,9 2,78 5,827 2,7,995,544, (less than $ million) Amount (,) (3) (4) 2,84 4,76 266,688,8 2, ,5 62 7, , , , ,38,298,26, , ,86 34,32 39,72 244,85 42,22,7, , ,84 86,68 29,44 98, ,636 76,259 32,39 78,22 73,29 23,638 55,422 52,635 8,454 4,886 32,568 65,462 55,33 83,854 5,39 72,439 7,93 85,47 59,695 64,379 9,376 7,266 27,989 3,892 4,5 4,48 4,47 3,227 3,59 5,889 2,484 2,39 2,,72,47,277,97,39,33, , Macro Business Lending ($,$ million) Amount (,) (5) (6), , , , ,7 83 4, ,5 5 53, ,63 69,25 27,36 45,22 72,477 3,236 39, ,32 926, ,69 295,9 8,698 58,48 48,282 76,77 33,6 279,79 4,593 39,929 9,487 24,759 22,25 82,453 9,6,448 44,384 35,25 64,572 96,582 53,945 52,738 67,694 3,49,53 86, ,3, Page 86 of

124 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Utah Vermont Virginia Washington North Amerbancshares GE Capital Financial Inc Stearns Bank N A Trustmark Corp Henderson Citizens Bancshares Alliance Bancshares BOK Financial Corp Wells Fargo & Co Zions Bancorp JPMorgan Chase & Co Texas Capbancshares Ally Financial Capital One Financial Corp TD Bank NA Wells Fargo & Co JPMorgan Chase & Co Merchantsbancshares Wells Fargo & Co BB&T Corp Bank of America Corp JPMorgan Chase & Co Suntrust Bk P Fncl Svc Group Capital One Financial Corp First Citizensbancshares Ally Financial Union First Mkt Bshrs Corp Townebank Stellarone Corp Eastern Vabancshares Burke & Herbert Bank And Trust Unitedbancshares Southern Bshrs Wells Fargo & Co HQ Location UT OK UT ME VT WV Micro Business Lending (less than $,) Amount (,) () (2) 7, , ,23 352,94 23,64 373,46 84, ,588 92,247 54,33 3,58 6,26 2,622,58 7,966 6,353,329,25 389,9 6,86 77,938 72, 48,758 47,338 43,965 38,65 32,898 27,897 23,44 22,354 2,96 3,257 2,579,988, ,876 76,4 3,886 6,552 5,23 2,79 2, , , ,959,985 5,829 7,487,42,7 7,538 3, ,384 4,893 (less than $ million) Amount (,) (3) (4) 94, , , , , , , ,42 593,94 48,63 97,488 2,332 2,797 4,444 53,939 9,4 2,49 68, ,476,5, ,76 82, ,824 2,38 94,55 4,975 8,365 29,54 62,738 55,979 55,42 57,685 86,374 7,494 48,32 724,392 64,47 4,458 7,75 5,424 2,882 2, , ,43 4 4,84 4,457 6,359 7,53 2,54,526 7,668 3,536, , ,26 5,93 Macro Business Lending ($,$ million) Amount (,) (5) (6) 77, , , , , , , ,832 4,947 94,3 65,98 4,7 75 3,936 35,973 3, , , ,588 2,768, ,66 53,7 5,9 2,324 47,467,644 39,324 33,625 34,459 44,428 73,795 95,56 37, ,56 427,96 572, , , , Page 87 of

125 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 Micro Business Lending Macro Business Lending HQ (less than $,) (less than $ million) ($,$ million) State or Territory Name of Lending Institiution Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Bank of America Corp 49,63,77 379,959,36 23, JPMorgan Chase & Co 4,34,78 63,29,96 48,85 25 WTB Financial Corp WA 36, ,62,6 29, Banner Corp WA 34, ,37,649 25,7 68 Columbia Bkg Sys WA 27, ,26,93 24, Capital One Financial Corp 25,65 5,877 29,578 5,887 3,963 Washington Bkg Co WA 2, , , Lauritzen Corp NE 9,4,3 22,29,37 3,5 7 Ally Financial 7, , Texas Capbancshares 6,46 4,336 8,833 4,349 2,47 3 Sterling Financial Corp WA 5, , , Keycorp 4, , , Olympic Bancorp WA 2, , , SKBHC Holds Llc AZ, , ,425 5 West Virginia Unitedbancshares WV 38, ,78,359 52, BB&T Corp 33, ,746,269 9,2 547 JPMorgan Chase & Co 7,66,62 64,95,723 47,29 3 Wells Fargo & Co 3, , ,54 2 First Cmntybancshares 3, , , Huntingtonbancshares 2, , , City Holding Corp WV, , ,23 43 Ally Financial, , Wisconsin 97,87 9,23 55,46 2,6 354, Wells Fargo & Co 44,685 5,77 24,87 6,85 97,22 35 JPMorgan Chase & Co 87,966 9,3 25,42 9,348 27, Associated Banc Corp WI 42, ,724 2,29 44,87,33 River Valley Bancorp WI 28, ,4,78 59, Johnson Fncl Grp WI 27, ,352, , NEB Corp WI 26, ,39,4 95,8 296 Capital One Financial Corp 26,43 5,996 29,5 6,4 2,692 8 Waupaca Bancorp WI 25,53,39 4,594,35 79,9 266 Ally Financial 24, , ,743 8 Baylake Corp WI 6, , , TRI City Bshrs Corp WI 4, , ,53 34 Bank of America Corp 3,33,55 3,268,594 7, Oconomowocbancshares WI, , , P Fncl Svc Group, , ,34 23 Talmer Bancorp, , , Otto Bremer Foundation, , , Page 88 of

126 Table 4B Top Micro Business Lenders by State and Territory Using CRA Data, 2 State or Territory Name of Lending Institiution Wyoming HQ Location Micro Business Lending Macro Business Lending (less than $,) (less than $ million) ($,$ million) Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Wells Fargo & Co 57,6 2,39 24,493 2,57 67, First Intrst Bancsystem MT 3,458,25,589,253 7,3 228 Midland Financial Corp WY 2, , ,592 34, , ,96 52 Note: Small businesses seeking loans should also consider banks that particpate in the SBA loan programs To locate an SBA certified lender near you, call 88ASKSBA Source: US Small Business Administration, office of Advocacy, from Community Reinvestment Act reports Page 89 of

127 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) (less than $ million) Micro Business Lending (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Alaska First National Bank Alaska AK 2, , ,9 478 Wells Fargo & Co 2, ,974 5,694 36,644 5,35 Northrim Bancrop AK 6, , ,86 86 Keycorp 39, ,954 23, Alabama Regions Financial Corp 5,632,425 87,94 3,342 36,39,97 Servisfirst Bancshares 367, ,777,685 35, Synovus Financial Corp 36,55,3 432,292 2,697 7,787,594 Wells Fargo & Co 34, ,224 4,469 5,539 4,6 Hancock Holding Corp 25, , ,5 352 Renasant Corp 9, , , Banctrust Fncl Grp 86, ,87,7 28,68 82 Bancindependent 7, , , BB&T Corp 68, , ,44 7 Compass Bank 6, ,74,93 54,757,73 Iberiabank Corp LA 55,76 5 6, ,728 2 RBC Bank 4,2 2 53, , CbS Banc Corp 35, , ,97 38 West Cap Corp 3, ,24 58, BancorpSouth 3, , , Arkansas Arvest Bk Grp AR 39,663,83 49,77 4,557 99,54 3,374 Regions Financial Corp 42, ,64 2,73 56,72 2,263 First Security Bancorp AR 89, ,677,77 37,79,373 Liberty Bancshares AR 69, , ,2 44 Iberiabank Corp LA 59, ,73 398, First Bk Corp AR 59, , , BancorpSouth 57, , , Home Bancshares AR 5, , , Summit Bancorp AR 35, ,649 46, , ,552 2,622 32,499 2,532 Simmons First Nat Corp AR 34, , ,86 69 Arizona Wells Fargo & Co 42,854,335,46,435 32, ,58 3,53 Zions Bancorp UT 96, ,2 3,9 6,942 2,56 Bank of America Corp 76, ,58 5,882 9,873 5,394 JPMorgan Chase & Co 4, ,575 2,94 25,986 2,52 Western Alli Bancorp AZ, , ,882 3 Cobiz Financial CO 95, , ,83 2 Compass Bank 46, ,9,73 5,59,594 Page 9 of

128 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) 44,527 2 BOK Financial Corp OK 37,644 9 California Wells Fargo & Co Bank of America Corp Union Bank NA Zions Bancorp City Nat Corp Bank of The West Comerica JPMorgan Chase & Co CVB Financial East W Bancorp Community Bank First Republic Bank Capgen Cap Grp Ii Lp Cathay Gen Bancorp Rabobank NA Westamerica Bancorp Umpqua Holding Corp First Citizens Bancshares Wilshire Bancorp Nara Bancorp 867 Western Financial Corp Citigroup First Fncl Grp Heritage Cmrc Corp Western Alli Bancorp Hanmi Financial Corp Signature Bank Mechanics Bank Fremont Bancorp Trico Bancshares SCJ Palomar Ent Llc SVB Fncl Grp First Northern Cmnty Bancorp Sierra Bancorp Exchange Bank First Bks UT OR AZ MO 2,398,3,79,64 63,735 62,289 66,862 58, ,722 45,94 34,62 37,2 36,387 23, ,66 226, ,36 93,224 84,939 79,82 46,276 45,822 3,378 24,982 24,544 2,63 8,75 6,328 6,243 7,75 4,665 2,225,525 98,43 9,479 88,779 88,329 79,478 78,744 74,99 8,9 3,36,49,84,5,387, (less than $ million) Amount (,) (3) (4) 84,933 3,93 39,9 4 7,772,862,636,99 99, ,996 77,72 638,8 67,45 43,554,345,786 35,2 32,45 252, , , ,883 22,96 25,953 25,6 57,67 58,46 37,44 39,49 87,77 33,68 25,82 26,57 26,49 9,382 39,986 8,5 24,879 99,643 98,67 8,45 97,924 94,45 88,96 87,76 225,876 4,79 33,384,35 4,628 2,476 4,7,24,9, , , , Micro Business Lending (less than $,) Amount (,) (5) (6) 4,46 3,793, ,374,56 457,35 36,26 323,77,85 56,684 94,423 24,65,4,624 33, 6,8 2,759 8,78 22,53,522 28,682 2,4 25,94,33 2,324 7,26 4,59 63,63 2,455 7,746,243 9,96,667 35,32 6,286 23,354,24 7,28 9,366 9,595 4,973,26 3,662 26,966 37,754 3,893 9,537 3,7,89 2,92 366, , Page 9 of

129 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Connecticut Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) American Business Bank 68, SB Acq Co Llc 65,934 7 Manufacturers Bank 64, Farmers & Mrchs Bancorp 59,47 48 Wendy Fong 55,2 7 Texas Cap Bancshares 48, Boston Private Fncl Hold MA 45,39 98 Central Valley Cmnty Bancorp 43, Community West Bshrs 4,428 9 River City Bank 4,29 98 MB Financial 38,559 9 Capital One Financial Corp 38,56 47 Sterling Financial Corp WA 36,63 87 HSBC Bank USA NA 35,85 87 American River Bancshares 35,25 Colorado Wells Fargo & Co Cobiz Financial First Citizens Bshrs Firstbank Holding Corp Zions Bancorp Bank of The West JPMorgan Chase & Co UMB Financial Corp Pinnacle Bancorp Keycorp Guaranty Bancorp Lauritzen Corp Bank of America Corp Alpine Bk of Colorado Webster Fncl Corp Bank of America Corp RBS Citizens NA Wells Fargo & Co First Niagara Fncl Group JPMorgan Chase & Co First Connecticut Bancorp TD Bank NA Fairfield County Bank CO CO UT MO NE CO NE CO CT RI CT ME CT 488,56 253,994 84,38 82,568 55,44 52,726 23,96 2,69 9,69 99,6 94,73 93,958 82,633 7,27 5,863 27,225 23,783 77,87 6,28 57,9 5,525 48,738 45,749 43,489, (less than $ million) Amount (,) (3) (4) 77, , , , ,76 7,484,663 46, , , , , ,2 39,242 38,52 3 7,35,549 43,3 3,263, , ,83 97,975 87,969 84,28 4,472 28,858 26,482 2,988,946 5,867,5 9,822 66,62 269,623 32,24 88,334 27,64 73,285 25,875 54,999 92,46 49,82 35,536,24 3, ,6, , ,99 594,882 4, , ,358 25, Micro Business Lending (less than $,) Amount (,) (5) (6) 9, , , , , ,646,479, , , , ,7 3 55,64 39,95 2, ,3,462 8, ,43 22,54 38,523 5,47 32,925 3,554 7,376 6,239 6,79 2,972 7,773,99 7,58 9,695 4,758 62,398 98,24,47 46,36 6,76 74,35 6,26 46,397 5,593 34, , ,76, , , ,267 4, , ,24 26,3 7 Page 92 of

130 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending Micro Business Lending ($,$ million) (less than $ million) (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Rockville Financial CT 37, , 224 5,255 Associated Cmnty Bancorp CT 37, , ,52 Union Savings Bank CT 33, , ,885 5 District ofcolumbia BB&T Corp 59, ,72 9 3, P Fncl Svc Group 36, , , Delaware P Fncl Svc Group 79, ,32,469 5,942,23 M&T Bk Corp 38, , , Florida Regions Financial Corp 665,5 2,3,247,65 22,64 582,5 2,33 Bank of America Corp 64,763,73 95,54 24, ,39 22,639 Suntrust Bk 567,394, ,36 3,993 78,92 2,66 Wells Fargo & Co 43,77,44,27,362 34,53 84,645 33,62 BB&T Corp 36, ,422,783 43, Synovus Financial Corp 227, ,44,489 39,567 8 Fifth Third Bancorp 96, ,2,73 33,569,26 P Fncl Svc Group 59, ,34 2,252 7,7,8 Hancock Holding Corp 37, , , Northern Tr Corp 36, , ,8 26 TD Bank NA ME 2, ,993,473 3,89,24 JPMorgan Chase & Co 9, ,7 32,465 35,768 32,46 Sabadell United Bank NA FL 84, , ,58 24 City National Bank of Floridia FL 73, , ,325 3 First Citizens Bancshares 55,87 5 6, , TotalBank FL 53,27 4 7,78 2,48 8,5,97 Servisfirst Bancshares 43, , ,62 62 North American Fncl Holding FL 42, ,86 9 4, Compass Bank 4, ,78,467 42,873,349 Comerica 4, ,522 7, Mercantil Commercebank Voting FL 37, , ,96 8 Citigroup 35, , , Capgen Cap Grp Iii Lp 3, ,7 25 4,689 3 CNL Bancshares FL 3, , ,63 6 Georgia Synovus Financial Corp 962,69 2,749,5,866 6,466 53,797 3,77 BB&T Corp 592,94,554 64,73 2,454 48,89 9 Suntrust Bk 567,27,379 64,8 2,696 47,9,37 Regions Financial Corp 286, ,64 5,334,27 4,527 Wells Fargo & Co 282, ,933 8, ,888 7,667 Bank of America Corp 252, ,936 8,247 95,597 7,63 Page 93 of

131 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Iowa Idaho Illinois Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) United Cmnty Bk 57, State Bk Fncl Corp 29, Ameris Bancorp 9, Fidelity Southern Corp 93,5 245 Southeastern Bk Financial Corp 83, SCBT Fncl Corp SC 69,734 2 Colony Bancorp 62, First Citizens Bshrs 6, First Citizens Bancorp SC 58, Brand Grp Holding 43,797 3 Renasant Corp 43,2 32 Queensborough Co 37,53 8 JPMorgan Chase & Co 33, Signature Bank 3, Guam Bank of The West 37,28 94 Hawaii Bank of The West Bank of HI Corp Central Pacific Financial Corp Wells Fargo & Co Hills Bancorp Midwestone Fncl Grp West Bancorp BTC Financial Corp Stark Bk Grp Heartland Fncl USA First Citizens Financial Corp Wells Fargo & Co Zions Bancorp The Bank ofcommerce WTB Financial Corp Keycorp Banner Corp Wintrust Financial Corp First Midwest Bancorp HI HI IA IA IA IA IA IA IA UT ID WA WA 344,666 3,357 57,9 22,924 46,898 43,2 7,766 98,496 97,873 78,69 66,387 3,29 32,36 22,43 3,574 69,86 67,8 49,435 35,63 73,882 56, ,75,345 (less than $ million) Amount (,) (3) (4) 9,58,668 47, ,772,326 3, , , , , , , , , ,34 9,46 3, ,46 454,27 43,594 7, ,685 39,565 9,252 44,495 4,77 5,295 87,624 76,22 45,7 9,49 37,785 53,69 92,77 78,27 54,776 4,27 794, , , ,66 7,478,83, ,2 8,636, ,45 2,537 Micro Business Lending (less than $,) Amount (,) (5) (6) 33,473,2 8, ,38 973, , , , ,273 6, ,42 3 6, , ,668 9, ,288 9,46 2,237 3,443 84,76 72,667 48,4 26,729 5,58 7,422 9,5 9,635 5,42 57,733 95,355 4,7 22,9,89 5,34 5,577 63,66 5, , , 7,6, ,759 8,224, ,665,92 Page 94 of

132 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) JPMorgan Chase & Co 49,9 955 American Chartered Bancorp 38, BMO Harris Bank NA 379, MB Financial 3,2 734 Bank of America Corp 283, Fifth Third Bancorp 259, P Fncl Svc Group 222, , Privatebancorp 87, First Busey Corp 48, Morton Community Bank 44, Associated Banc Corp WI 36, Firstmerit Corp 28,77 3 Northern TR Corp 27, Old Second Bancorp 22, First MidIl Bancshares 8, West Suburban Bancorp 2, Taylor Cap Grp 9,888 8 RBS Citizens NA RI 74, Standard Bancshares 69,66 78 Heartland Bancorp 66,8 2 Banc Ed Corp 64,93 9 Midland States Bancorp 64,456 7 Regions Financial Corp 63, Commerce Bancshares MO 6, Wells Fargo & Co 56, First Bks MO 55, Lauritzen Corp NE 55, Home St Bancorp 5,5 33 CumminsAmer Corp 5,46 2 Old Nat Bancorp IN 47, Bridgeview Bancorp 47,33 23 Marquette Nat Corp 43, Parkway Bancorp 42,859 7 United Cmnty Bancorp 39,829 2 Banterra Corp 38,776 3 Citigroup 38,53 7 Centrue Financial Corp MO 32,373 3 CBX Corp 3,8 98 Inland Bancorp 3,967 7 Republic Bancorp Co 3, (less than $ million) Amount (,) (3) (4) 85,86 45,58 423,45,646 47,37 3,74 33,729, ,725 6, ,359, ,9 3,96 367,23 4,537 95, ,467,64 78,52,439 44, , , , ,,38 6, , ,54, 75, , , , ,587,66 68, ,456 5,66 63,4 35 7, , , , , , , , , , , , , , Micro Business Lending (less than $,) Amount (,) (5) (6) 44,96 44,3 4, ,542 2,754 9, ,839 5,555 37,945,27,75 3,272 65,425 3,938 7, , ,668,6 8, , , , ,757,25 4, , , , ,259 43,25 283, ,755,4 7, ,6 5,436 7, , ,89 2 5,5 9 3, , , ,3 57,53 33, , , ,6 46 2, ,5 28 Page 95 of

133 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) Indiana Old Nat Bancorp IN 345,62,4 P Fncl Svc Group 273, Fifth Third Bancorp 232, German Amer Bancorp IN 73,65 57 St Source Corp IN 7, JPMorgan Chase & Co 68, Star Fncl Grp IN 8, Lakeland Financial Corp IN 8,7 325 Huntington Bancshares 5, Regions Financial Corp 3,5 326 First Fncl Bancorp 8, Wells Fargo & Co 82, First Financial Corp IN 74, First Bancshares IN 7, Indiana Cmnty Bancorp IN 7,23 64 First Midwest Bancorp 59,87 45 Keycorp 55,26 22 BMO Harris Bank NA 52,37 25 National Bk Indianapolis Corp IN 49, Mainsource Fncl Grp IN 47,275 5 Bank of America Corp 4,8 99 First Mutual Richmond IN 34,8 96 Horizon Bancorp IN 3,26 87 Kansas Kentucky Intrust Financial Corp UMB Financial Corp Commerce Bancshares Emprise Financial Corp Manhattan Bancorp Sunflower Fncl Corefirst Bank & Trust Central Bancompany Bank of America Corp P Fncl Svc Group BB&T Corp Fifth Third Bancorp Central Bancshares KS MO MO KS KS KS KS MO KY 54,59 29,5 6,83 64,763 58,23 56,837 52,52 5,559 44,29 38,37 236,47 89,925 38,277 37,542 4, (less than $ million) Amount (,) (3) (4) 43,584 43, ,666 27,24 2, ,63 52,56 3,552 52,26 5,952 22,39 98,97 98,29 84,654 79,3 65,8 6,45 57,26 54,933 64,295 6,597 38,258 36,55 78,475 45,435 4,762 8,65 87,5 72,6 62,29 62,6 5,52 58, ,337 28,253 58,48 2,443 4,253 3,74 4,942,54,29,356 2,5,225 65,55, , , ,547 83, , ,772 4,98,67,35 5,62,4 Micro Business Lending (less than $,) Amount (,) (5) (6) 85,982 57,248 3,797 33,59 39,27,38 34,275 2,445 36,259 37,45 3,68 5,3 23,32 4,8 9,7 5,939 6,424 5,79 4,935 7,2 2,796 4,77 5,335 24,36 6,285 24,959 6,852 29,288 5,763 9,689,6 6,762 2,325 32,93 28,328 2,24 62,9 27,6 2,34 4, , ,243, , , , , ,67 3, , Page 96 of

134 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Massachusetts Maryland Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) JPMorgan Chase & Co 9,895 2 Bank ofky Fncl Corp KY 9,66 24 S Y Bancorp KY 84, Republic Bancorp KY 84,83 23 Old Nat Bancorp IN 7,26 26 Community TR Bancorp KY 58, Whitaker Bancorp KY 47,26 7 Huntington Bancshares 3,724 8 Louisiana Hancock Holding Corp Iberiabank Corp JPMorgan Chase & Co Capital One Financial Corp Regions Financial Corp Community TR Financial Corp Midsouth Bancorp Red River Bancshares Bancorpsouth Bank of America Corp Eastern Bk Corp RBS Citizens NA Independent Bancorp TD Bank NA Salem Five Bancorp Middlesex Bc Mhc Boston Private Fncl Hold Enterprise Bancorp M&T Bk Corp Beacon Bancorp Berkshire Bank Cambridge Fncl Group Northern Bancorp Cape Cod Five Cents Savings Century Bancorp Webster Fncl Corp Meridian Fncl Svcs Narragansett Fncl Corp P Fncl Svc Group BB&T Corp LA LA LA LA MA RI MA ME MA MA MA MA MA MA MA MA MA MA CT MA MA 69, , , ,765 23,4 62,37 98,343 9,98 58, , ,63 74,94 49,24 42,29 97,3 8,396 76,52 74,38 54,73 5,463 46,894 44,568 39,628 38,92 38,286 32,9 32,346 3, ,362 37,565, , (less than $ million) Amount (,) (3) (4) 42,778 5,329 5, , , , , ,,9 47, ,248 33,98 397,85 325, ,532 97,6 24,2 4,35 76, ,466 33,89 22,274 69,83 235,737 6,8 9,93 82,979 89,46 55,3 57, 56,59 48,472 44,799 45,222 44,999 4,9 33,356 36,979 6,37 348,77 4,363,699,747 8,93 5,58,49, ,672,474 3, , ,74,355 Micro Business Lending (less than $,) Amount (,) (5) (6) 5,883 5,8 4, , , , , , ,2 56 5,77 43,28 9,385 92,757 9,48 34,969 25,858 23,27 7,897 38, 38,259 46,8 2,689 93,58 9,77 9,797 6,477 5,98 3 6,637 9,625 3,94 5,7 6,3 6,73 8,, 6,82 53,8 3,42 2,458 89,6 8,334 4, , , , , Page 97 of

135 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Michigan Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) Bank of America Corp 9, M&T Bk Corp 65,9 55 Suntrust Bk 49,73 32 Sandy Spring Bancorp MD 37, Wells Fargo & Co, Susquehanna Bancshares, HSB Bancorp MD 48,97 6 Howard Bancorp MD 4,236 Capital One Financial Corp 39,73 2 TriCounty Financial Corp MD 36,76 6 Fulton Fncl Corp 3, Eagle Bancorp MD 3,88 87 Maine Bangor Bancorp MHC Camden Nat Corp TD Bank NA Gorham Bancorp MHC Norway Bancorp MHC Keycorp Machias Bancorp MHC First Bancorp Comerica Fifth Third Bancorp P Fncl Svc Group Chemical Financial Corp Huntington Bancshares JPMorgan Chase & Co Bank of America Corp Talmer Bancorp Citizens Republic Bancorp Mercantile Bk Corp Macatawa Bancorp Independent Bk Corp Fidelity Bank Arbor Bancorp MBT Financial Corp Isabella Bancorp Firstbank Corp RBS Citizens NA Wells Fargo & Co ME ME ME ME ME ME ME RI 39,24,3 6,465 54,887 53,92 44,79 42,638 32,947,32, , , ,9 38,73 37, , , ,3 24,53 85,454 9,875 3,72 78,56 77,936 7,865 5,399 44,234 42, ,53 2,97,62,423, (less than $ million) Amount (,) (3) (4) 272,767 6,526 24,499,534 79,278,266 47, ,9 6,4 4, , , ,32 6,942 43, , , ,525 42,389 8,759 64,68 68,725 5,664 59,794 42,78,4, , ,99 569,87 46,8 562, ,6 36,4 332,8 263,554 23,448 45,985 2,529 87,546 95,276 88,94 64, 56,55 76,98,384,434, ,347 4,866 8,374 3,65 3,429 2,799 5,64,438,549,54, ,758 Micro Business Lending (less than $,) Amount (,) (5) (6) 8,635 6, 48,599,29 3,5 954, ,973 6,47 3, , , ,39 6,83 6, , ,83 7 3,284 42,78 47,294 9,794 4,823 6,874 7,56 9,76 7,92 99, ,35 93,96 78,378 9,255 68,73 27,547 37,78 22,5 27,994 26, 6,87 8,986 7,34 8,49 2,7,92 34,573,7,9, ,87 2,769 6,754 2,92 2,422 9,897 4, ,574 Page 98 of

136 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending Micro Business Lending ($,$ million) (less than $ million) (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Mackinac Financial Corp 39,3 8 47, , FNBH Bancorp 35, , ,68 37 United Bancorp 3, , , Fentura Financial 3, , , Minnesota Otto Bremer Foundation 444,672,45 498,23 2,287 53,45,42 Wells Fargo & Co 396,828,27,83,838 32,4 687, 3,83 37, ,264 22, ,368 2,843 Anchor Bancorp 93, ,569,2 24, Associated Banc Corp WI 5, ,75 52,38 2 Klein Financial 6, , ,52 56 State Bancshares ND 6, , , Alerus Financial Corp ND 55, , ,24 9 Voyager FS Corp 48, ,659 36,7 25 Bank of America Corp 44, ,472,542 4,25,444 Missouri Central Bancompany MO 564,496, ,74 5,79 24,244 4,63 Commerce Bancshares MO 43,833,9 477,27 3,337 73,374 2,28 264, ,663 2,648 45,39,929 UMB Financial Corp MO 95, ,345,54 9,87 67 Great Southern Bancorp MO 4, , , 323 Bank of America Corp 4, ,45 4,227 49,2 3,953 Regions Financial Corp 88, ,992,75 35,92,453 Arvest Bk Grp AR 85,8 238, , Stupp Bros MO 85, , , P Fncl Svc Group 82, ,72,2 32, Hawthorn Bancshares MO 7, , , First Bks MO 47, , , Cbx Corp 37,26 4, , Mississippi Trustmark Corp 265, ,88 3,43 85,865 2,247 Regions Financial Corp 46, ,55 3,95 99,79 3,56 Bancorpsouth 39, ,329 2,79 47,62,76 Hancock Holding Corp 5, ,75,89 27, Renasant Corp 87, 294 2,6,9 25,6 725 Bancplus Corp 55, ,788,66 28,55,425 First M&F Corp 54, , , Citizens Nat Banc Corp 53, , , Citizens Corp 35, , , Community TR Financial Corp LA 34, , , Montana Page 99 of

137 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 North Dakota Nebraska Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) First Intrst Bancsystem MT 4, Stockman Financial Corp MT 2, Glacier Bancorp MT 5, Wells Fargo & Co 63, , North Carolina BB&T Corp First Citizens Bshrs Wells Fargo & Co Fidelity Bshrs Suntrust Bk Bank of America Corp RBC Bank Newbridge Bancorp Southern Bshrs Fifth Third Bancorp BBancorp First Bancorp Yadkin Valley Financial Corp North American Fncl Holding Paragon Cmrl Corp FNB United Corp TD Bank NA Southern Cmnty Financial Corp Four Oaks Fincorp Regions Financial Corp Capgen Cap Grp Vi Lp Peoples Bancorp of Otto Bremer Foundation State Bancshares Wells Fargo & Co Alerus Financial Corp Dacotah Bks Lauritzen Corp Farmers & Mrch Inv Pinnacle Bancorp Wells Fargo & Co American Nat Corp FL ME ND ND SD NE NE NE NE,537, , ,777 22,22 93,898 85,79 37,493 27,686 27,86 86,55 8,98 78,68 6,232 55,25 53,69 48,332 44,87 35,934 35,289 32,395 32,38 3,23 5,63 3,98 72,74 58,233 42,72 85,3,848 96,352 9,27 66,936 45,32 4,267 2,4, (less than $ million) Amount (,) (3) (4) 58,39 2,26 44,574,242 39,546,358 5,46 4,2 76,93 2,59,769,486,6,89 879,2 23, ,77 26,86 7,8 48,44 63,33 3,4 92,787 3,95 83,293 63,67 59,784 58,779 53,75 46,462 49,429 4,27 37,22 37,32 7,495 53,265 3,734 69,78 58,8 233,249 32,752 4,47 28,2 4,59 5,54 9,66 9,8 7,86,333,445 6,529, , , , ,95 8 2,57 5,87 3, Micro Business Lending (less than $,) Amount (,) (5) (6) 43,664,676 3, ,32,4 87,764 3,94 29,847 2, ,9 25,284 45,343 28,25 3,79 75,7 33,37 2,78 36,245 6,626,87 35,297 22,6 7,97 6,75,447 9,564,528 4,4 7,822 4,93 5,99 9,864 2,285 58,2,845 5,397 47,938 2,94 44,695 6,732 47,23 6,58 4,799 7,389 6, ,6, ,8 55 3, , ,646 53,734 4,932 3, Page of

138 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) New Hampshire TD Bank NA ME 72, Bank of America Corp 49,47 26 RBS Citizens NA RI 42,577 8 New Jersey New Mexico Nevada New York P Fncl Svc Group Bank of America Corp Valley Nat Bancorp Wells Fargo & Co TD Bank NA JPMorgan Chase & Co Sun Bancorp NJ Fulton Fncl Corp Capital One Financial Corp Lakeland Bancorp Provident Fncl Svc Susquehanna Bancshares HSBC Bank USA NA Stewardship Fncl Corp Texas Cap Bancshares Investors Bancorp MHC RBS Citizens NA Wells Fargo & Co Trinity Cap Corp Bank of America Corp Bank of The West Zions Bancorp Western Alli Bancorp Wells Fargo & Co Bank of America Corp City Nat Corp Bank of The West Zions Bancorp Western Alli Bancorp Wells Fargo & Co Bank of America Corp NJ ME NJ NJ NJ NJ NJ RI NM UT AZ 58,95 398,289 32,36 24,525 22,628 58,53 2,72 7,796 4,59 7,636 98,535 58,38 49,468 46,44 38,637 35,28 3,837 29,462 6,95 4,36 39,923 38,347 7,47 58,728 6,86 7,642 45,53 44,377 33, ,538 73, ,29 549,374,565, ,855 2,62,954,548 (less than $ million) Amount (,) (3) (4) 33,237 69,937 58,767,55, , ,43 7,36 34,858 48,594 35,238 33,495 2,226 22,459 7,9 64,296 74,4 53,8,82 38,255 35,82 39,76 83,64 46,28 59,899 45, ,225 77, ,875 3,787 78,967 5,4 37,45,682,466,285,395,32,687 65,342,892,396,246,38,29 2,37 6,743 3,974 25, , , ,26,6 295, , ,38 2,785 3, ,824 7,63 28,572 3,752 Micro Business Lending (less than $,) Amount (,) (5) (6) 6,325 2,89 6,9 473,377 79,688 59,782 46,78 2,23 26,54 3,526 5,699 86,635 4,823 9,366 6,258 24,536 6,74 7,445 2,974 4,965 89,74 23,59 5,965 9,976 7,626 7,88 8,58 268,69 42,45 33,84 6,764 3,87 888, ,737 44,658,968,63,27,38 9,86,82,544 5,976 3,36 24, , , , , , ,98 2,582 3, ,969 5,468 26,68 2,24 Page of

139 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) 494,9,35 City Nat Corp 45,88,84 Bank of The West 56, Nbt Bancorp 49, Tompkins Fncl Corp 49, Keycorp 43,5 369 Valley Nat Bancorp NJ 35, Community Bk Sys 32, Financial Inst 3, Texas Cap Bancshares 22,755 5 Signature Bank 22, New York Cmnty Bancorp 2, TD Bank NA ME 4, Wells Fargo & Co, Hudson Valley Hold Corp 73,49 57 RBS Citizens NA RI 7,64 63 Canandaigua Nat Corp 66,3 7 Alliance Financial Corp 63, Suffolk Bancorp 48, P Fncl Svc Group 47,47 5 First Republic Bank 43,53 82 Arrow Financial Corp 42,76 29 State Bank oflong Island 4, First oflong Island Corp 34, City Nat Corp 34,59 89 Bank of Mellon Corp 32,57 57 Watertown Savings Bank 3, Cathay Gen Bancorp 3,27 64 Berkshire Bank MA 3, Rhinebeck Bc Mhc 3,54 4 Ohio P Fncl Svc Group Huntington Bancshares Fifth Third Bancorp Park Nat Corp JPMorgan Chase & Co Keycorp Firstmerit Corp First Fncl Bancorp Bank of America Corp,28,9 946,337 87,26 389,77 366, , , ,995 59,92 57,932 3,686 2,68 2,74, (less than $ million) Amount (,) (3) (4) 744,69 4, ,7 3,35 238,37 3,492 88,465,52 9,823,534 64,296,335 4, ,77,676 8,353, ,343 6,834 53,832,3 39,43 2, 22,22 3,5 448,88,79 77, ,732,857 88, , , , , , , , , , , , , , ,824,,26,3 97,37 482, ,7 279,73 426,44 257,352 8,858 94,76 7,435,27 4,96 3,397 2,878,64 8,73, ,839 Micro Business Lending (less than $,) Amount (,) (5) (6) 249,95 3,26 74,893 2,66 8,982 3,7 38,873,4 4,669,97 2, , ,24,253 49,745,34 73,588 6,323 3, ,32,733 87,58 2, ,5,289 4, ,8,694 22,32 775, 239 9,464 2, , ,7 52 4,7 72 3, , , , , , 259,964 9,65 92,792 22,39 3,267 93,6 28,357 2,937 36,828 3,749 7,652 2,842 2,287 2, ,94, ,689 Page 2 of

140 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Oregon Pennsylvania Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) FNB Corp 56, Citizens Bancshares 56,366 5 Wesbanco WV 47,49 3 Bank of KY Fncl Corp KY 44,85 97 RBS Citizens NA RI 43, LCNB Corp 4,327 2 Signature Bank 3, Oklahoma Bancfirst Corp Arvest Bk Grp BOK Financial Corp One Rich Hill Land LTD Parts RCB Holding Corp Southwest Bancorp Central Bancompany Durant Bancorp UMB Financial Corp Bank of America Corp JPMorgan Chase & Co Umpqua Holding Corp Wells Fargo & Co West Coast Bancorp Keycorp Sterling Financial Corp Pacific Continental Corp Bank of America Corp Columbia Bkg Sys Bank of The West Banner Corp PremierWest Bancorp Cascade Bancorp P Fncl Svc Group FNB Corp National Penn Bshrs Wells Fargo & Co M&T Bk Corp Susquehanna Bancshares Fulton Fncl Corp OK AR OK OK OK MO OK MO OR OR WA OR WA WA OR OR 285, ,629 49,93 89,375 73,87 65,689 57,65 4,352 36,48 3,33 3,38 27,8 238,7 23,954 8,6 2,37 9,623 88,54 85,52 76,846 7,79 46,74 42,234 32,2,252, ,423 36, ,86 279,62 24,34 22, ,497, (less than $ million) Amount (,) (3) (4) 6, , , , ,82,37 45, , ,58 299,63 6,924 98,727 94,652 74,574 73,596 59,43 4,929 5,446 85,69 44, ,32 6,27 96,22 23,88 3,4 5,987 3,497 9,97 8,966 54,946 47,67 38,57 2,92,6 632,234 43,8 694,897 34,64 294, ,43 3,889 3, ,766 5,735 6,93,354 6, , ,979 3,36,75 4,53,997,94,94 Micro Business Lending (less than $,) Amount (,) (5) (6) 5,83 8 7, ,27 2 2, ,955,237 4, ,854 72,534 2,83 9,352 2,782 8,885 5,946 9,79 4,78 2,33 55,3 68,992 35,42 386,37 5,25,5 2,39 7,446 46,345 4,25,247 8,872 5,436 6,55 839,637 76,8 4, ,8 6,2 53,34 27,34 3,66 2, ,692 5,663 5, , , ,482, ,645,257, Page 3 of

141 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Rhode Island South Carolina Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) RBS Citizens NA RI 93, First Niagara Fncl Group 75,74 55 S&T Bancorp 28, Firstrust Bank 2, Bank of America Corp 5,886 3 Northwest Bancshares Inc 99, CNB Fncl Corp 92, Metro Bancorp 86, Bryn Mawr Bk Corp 85,32 24 Huntington Bancshares 8, First Commonwealth Fncl Corp 8, TD Bank NA ME 79, Univest Corp of 69,42 25 Graystone Tower Bank 64,287 7 Community Bk Sys 63,934 8 Vist Fncl Corp 58, St Summit Bc ofjohnstown 46, Republic First Bancorp 4,28 9 QNB Corp 4, American Bk Inc 32, Embassy Bancorp 3, Texas Cap Bancshares 3,37 25 Puerto Rico Popular Compass Bank Banco Santander De Puerto RI First Bancorp Oriental Fncl Grp Bank of America Corp Bank Rhode Island RBS Citizens NA Washington Tr Bancorp Webster Fncl Corp BB&T Corp SCBTFncl Corp First Citizens Bancorp Synovus Financial Corp Wells Fargo & Co TD Bank NA PR PR PR PR RI RI RI CT SC SC ME 53,98 96,979 74,332 74,7 69,85 99,45 92,888 6,97 5,26 34,94 373, ,95 232,238 2,73 9,93 2,43, , (less than $ million) Amount (,) (3) (4) 257,86 3,99 232,523 2,278 75,485,84 33, ,736 6,398 28,58,72 9, , , ,785,74 4, ,466,399 9, , , , , , , , , ,235 3,32 855,875 28,983 93,25 84,94 76,364 25,664 9,898 78,33 56,654 4, ,96 329,389 3,59 25,53 359,392 4,482,356, ,377 86, ,223 2,58 2,648,57 6, Micro Business Lending (less than $,) Amount (,) (5) (6) 64,573 3,485 57,349,763 46,82,374, ,85 6,98 29, , , , ,626,476 23, ,374,53 2, , , ,9 77, ,2 32 3, , , ,928 3,77 325,777 32,4 8,793,23 7,279 26,24 27, 7,226 5,448 5,433 52,339 54,484 69,28 39,828 68,489 2,439 9, ,7 529, ,78,325, ,7 579 Page 4 of

142 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) (less than $ million) Micro Business Lending (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Bank of America Corp, ,842 3,296 4,493 2,993 Regions Financial Corp 67, , ,8 86 Suntrust Bk 66,32 5 7, ,25 53 Capgen Cap Grp V Lp 33, , ,26 4 South Dakota Wells Fargo & Co 48, ,87 4,73 7,28 4,328 7, ,43 2,43 29,25 2,22 Dacotah Bks SD 4, ,676,526 34,53,66 Minnehaha Bancshares SD 94, , , First Intrst Bancsystem MT 34, , , Tennessee First Horizon Nat Corp TN 48,724,33 559,752 2,883 78,28,553 Pinnacle Fncl Ptnr TN 479,442,25 535,88 2,357 55,646,7 Regions Financial Corp 388,676,97 686,52, ,826,296 Suntrust Bk 249, ,688,8 7, BB&T Corp 35, ,5 62 3, First South Bancorp TN, ,94,996 36,934,648 Synovus Financial Corp 58, , ,99 45 Renasant Corp 58,7 83 7, ,7 45 Bank of America Corp 57, ,965 3,278 34,83 3,22 55, ,477 4,752 5,25 4,597 First Citizens Bshrs TN 53, , , First Scty Grp TN 53, , , Fifth Third Bancorp 42, , , Bancorpsouth 4, ,27 58, Tennessee Commerce Bank TN 4, , ,75 96 Community First Bshrs TN 37,5 5 48,489 5, Banctenn Corp TN 37, , , First Citizens Bshrs 35, , ,43 54 Wilson BHC TN 34, ,7 9 3, Wells Fargo & Co 33, 5 2,788 2,47 69,788 2,32 Texas Wells Fargo & Co 94,63 3,49 2,38,298 59,695,376,667 56,646 Cullen/Frost Bkr 926,694 2,3,7,693 4,47 9,999,736 JPMorgan Chase & Co 69,25,53,26,895 64,379 65,645 62,866 Zions Bancorp UT 462,69,37 542,655 3,227 8,586 2,9 Bank of America Corp 45,22,66 676,86 7, ,64 6, Texas Cap Bancshares 297, ,22 4,48 5,8 3,636 Prosperity Bancshares 295, ,84 3,59 72,894 2,78 Comerica 279, ,39,47 4,6 683 Compass Bank 27, ,959 9, ,823 8,56 Page 5 of

143 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending ($,$ million) (less than $ million) Micro Business Lending (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) International Bshrs Corp 76, ,636 2, 49,459,544 Capital One Financial Corp 72, ,32 27,989 3,555 27,538 American St Fncl Corp 58, ,44 2,484 5,996 2,7 Regions Financial Corp 48, ,976 2,39 5,694,995 MOW/Rpw Ii 4, ,22,277 37, Overton Financial Corp 39, ,29,97 33, Amarillo Nat Bancorp 39, ,85 4,5 5,42 3,669 BOK Financial Corp OK 38, ,557 57,33 94 Legacytexas Grp 35, , , Happy Bancshares 33, ,259,72 43,98,267 ANB Holding Corp 24, ,422,33 3, City Bank 22, ,635,297 3,6 953 Weststar BHC, , ,2 4 Broadway Bancshares 96, , , Southside Bancshares 9, ,638,39 32,5 878 Central Cmnty Corp 9, ,886,55 23,78 87 CBFH 82, , , 723 North Amer Bancshares 77, , ,55 57 Hancock Holding Corp 74, , ,6 83 Trustmark Corp 72, ,674 43,94 23 Encore Bancshares 7, , ,43 9 Jefferson Bancshares 67, , , Metrocorp Bancshares 67, , ,32 46 Inwood Bancshares 65, , , Bancorpsouth 64, , , Woodforest National Bank 64, , ,24 92 Patriot Bancshares 6, , ,44 39 First NB Group 54, , ,73 22 Plains Bancorp 53, , , Community TR Financial Corp LA 53, , ,37 9 American Bk Holding Corp 52, , , First Citizens Bshrs 5, , , Inter National Bank 45, , ,88 8 Signature Bank 44, , Security Holding Corp 44, , , First Texas BHC 42,64 49, , BB&T Corp 42,5 4 45, ,4 52 North Dallas Bank & Trust Co 39,829 45,4 23 5,275 3 Southwest Bancorp OK 36, ,54 5 3, Citigroup 3, , 35 3,56 67 Utah Page 6 of

144 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Vermont Washington Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) Zions Bancorp UT 4,947,53 Wells Fargo & Co 73, JPMorgan Chase & Co 94, ,98 73 Keycorp 59, Bank of America Corp 3, 79 Virginia BB&T Corp Suntrust Bk Wells Fargo & Co Bank of America Corp P Fncl Svc Group First Citizens Bshrs Union First Mkt Bshrs Corp Southern Bshrs Stellarone Corp Townebank United Bancshares Burke & Herbert Bank And Trust Virginia Cmrc Bancorp Cardinal Financial Corp Capital One Financial Corp Eastern Va Bancshares First Cap Bancorp M&T Bk Corp Capgen Cap Grp Vi Lp Sandy Spring Bancorp Merchants Bancshares Northfield MHC TD Bank NA Wtb Financial Corp Wells Fargo & Co Banner Corp ColUMBia Bkg Sys Bank of America Corp Keycorp Sterling Financial Corp Washington Bkg Co WV MD VT VT ME WA WA WA WA WA 944, ,66 283,385 2,768 53,7 47,467 39,324 37,463 34,459 33,625 95,56 73,795 66,864 54,743 5,9 44,428 44,77 43,8 42,75 38,564 58,475 42, 35, ,96 29,67 285,56 25,7 24,263 23,896 78,222 7,299 5,466 2,472, , (less than $ million) Amount (,) (3) (4) 593,94 7,75 497,42 4,458 48,63 5,424 97,488 2,882 65, ,869 75,5, , , ,76 2,38 8,365 62,738 48,32 55,42 55,979 7,494 86,374 76,29 56,637 94,55 57,685 52, 49,4 47,88 39,922 68,725 49,24 53,939 64,47 327,62 724, ,37 268,26 379,959 92,99 32,589 25,68 4,457 2,54 4,84 6,359,526,392, , ,93,6 9,26,649,93, Micro Business Lending (less than $,) Amount (,) (5) (6) 92,247 6, ,588 3,886 54,33 5,23 3,58 2,79 6, , ,86 48, ,9 77,938 47,338 32,898 23,44,669 2,96 22,354,988 2,579 9,265,894 43,965 3,257 7,923 5,959 5,3,358,25 7,24 7,966 76,4 36,94 438,876 34,67 27,863 49,63 4,768 5,29 2,42,985,42 3,959 5,829, , , , , Page 7 of

145 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 West Virginia Wyoming Macro Business Lending ($,$ million) State or Territory Name of Lending Institution HQ Location Amount (,) () (2) Umpqua Holding Corp OR 6,97 5 Skbhc Holds Llc AZ 58,425 5 Olympic Bancorp WA 54, Peoples Bancorp WA 52, JPMorgan Chase & Co 48,85 25 Union Bank NA 39, Cashmere Valley Financial Corp WA 35,785 West Coast Bancorp OR 33,422 Pacific Continental Corp OR 3, Wisconsin Associated Banc Corp Johnson Fncl Grp River Valley Bancorp JPMorgan Chase & Co Oconomowoc Bancshares Baylake Corp TRI City Bshrs Corp Wintrust Financial Corp Wells Fargo & Co NEB Corp Bankmanagers Corp Waupaca Bancorp Community Banc Corp Sheboyga BMO Harris Bank NA Talmer Bancorp P Fncl Svc Group Otto Bremer Foundation Citizens Republic Bancorp TCF Financial Corp BB&T Corp United Bancshares Huntington Bancshares JPMorgan Chase & Co City Holding Corp Wesbanco First Cmnty Bancshares Summit Fncl Group First Intrst Bancsystem WI WI WI WI WI WI WI WI WI WI WV WV WV WV MT 44,87 354,59 323,689 59,25 27,436 5,498 4,533 3,53 99,33 97,22 95,8 95,3 79,9 77,69 57,83 47,339 46,34 45,974 33,644 3,393 9,2 52,58 6,484 47,29 47,23 45,493 33,334 3,778 7,3, (less than $ million) Amount (,) (3) (4) 66, , , , ,29,96 42, , , , ,724 55,46 35,352 87,4 25,42 27,47 3,7 28,2 9,89 24,87 22,39,374 4,594 86,7 64,973 58,86 57,7 56,228 4,23 3, 224,746 9,78 72,832 64,95 58,383 53,789 46,475 37,2,589 2,29 2,6,359,78 9, ,85,4 35, ,269, , ,253 Micro Business Lending (less than $,) Amount (,) (5) (6) 6,29 44, , , ,34,78 3,58 9, , , ,853 97,87 27,663 28,386 87,966,549 6,67 4,69 9,859 44,685 26,59 6,26 25,53 9,8 7,79,847,397,254 7, ,644 38,66 2,348 7,66,36 8,296 3,4 6,422 3, , , , , , ,25 Page 8 of

146 Table 4C Top Macro Business Lenders by State and Territory Using CRA Data, 2 Macro Business Lending Micro Business Lending ($,$ million) (less than $ million) (less than $,) State or Territory Name of Lending Institution HQ Location Amount (,) Amount (,) Amount (,) () (2) (3) (4) (5) (6) Wells Fargo & Co 67, ,493 2,57 57,6 2,39 Midland Financial Corp WY 33, , , Note: Small businesses seeking loans should also consider banks that particpate in the SBA loan programs To locate an SBA certified lender near you, call 88ASKSBA Source: US Small Business Administration, Office ofadvocacy, from Community Reinvestment Act reports Page 9 of

147 Table 4D Total Amount and of Small Business Loans per Small Business Employee by State Based on CRA Data, 2 Rank Dollars per Micro Business Lending of SBL Amount State employee* (under $M) (less than $,) Employees per Employee Amount (,) Amount (,) Alabama 6 3,8,72 43, ,857 36, ,32 4, Alaska 3 558,356 2,75 25,259,69 35,374 4,25 Arizona 29 2,837,96 8,425,29,687 77,99 925,994 3,65 Arkansas 9,639,6 27,334 47,86 23, ,63 3,396 California 2 2,48,287 59,474 8,766,53 475,344 6,323,489 3,386 Colorado 2 4,28,539 94,537,466,25 87,625 96,394 4,9 Connecticut 44,84,623 34,465 6,822 3,69 73,635 2,529 Delaware 45 39,529 9,366 68, 8,743 68,878 2,38 District of Columbia 5 377,847 4,783 93,74 4,79 27,23,74 Florida 38 7,88,774 82,52 2,9,3 68,827 2,84,9 2,749 Georgia 9 5,589,948 82,67,322,459 7,858,483,934 3,767 Hawaii 3 78,73 2,4 23,78,5 258,944 3,9 Idaho 4,54,885 25,9 45,676 22,972 28,5 4,3 Illinois 2 8,49,932 3,63,782,9 2,677 2,388,695 3,555 Indiana 23 3,824,58 57,88 973,764 49,875,56,55 3,36 Iowa 43,683,459 3,547 59,84 28, ,459 2,66 Kansas 47,367,977 23,33 347,885 2, ,623 2,3 Kentucky 3 2,7,524 32,85 552,4 27, ,652 3,25 Louisiana 8 2,99,423 45, ,3 39,34 87,369 3,432 Maine 4 982,525 6,33 33,866 4,23 282,46 3,478 Maryland 39 2,943,83 45,98 827,933 4,282,7,687 2,746 Massachusetts 48 3,24,834 55,8 852,8 49,22,357,37 2,228 Michigan 7,689,57 94,64,523,8 78,76,699,82 4,524 Minnesota 37 3,257,253 78,696,24,39 73,296,8,677 2,759 Mississippi,6,5 25,8 486,26 2, ,996 3,684 Missouri 32 3,37,99 53, ,9 46,882,,39 2,988 Montana ,45 6,846 28,925 5,383 23,554 3,3 Nebraska 4,62,68 2, ,694 9,65 39,368 2,75 Nevada 33,238,976 32,4 52,98 3,8 48,384 2,96 New Hampshire 5 58,92 2,699 26,22, ,938,786 New Jersey 28 5,228,628 5,523,97,599 96,762,689,36 3,95 New Mexico ,44 8,73 324,367 6,767 33,66 2,3 New York 4,7, ,2 3,65,98 25,388 3,737,677 2,77 North Carolina 5 6,272,789 8,84,529,745 68,45,545,39 4,59 North Dakota 8 7,532,73 94,268,329 82,453 3,9 Ohio 3 7,338,7 9,528,859,84 94,564 2,74,788 3,537 Oklahoma 42,8,22 3,25 489,544 26,5 673,373 2,689 Oregon 5 2,63,97 6,36 875,75 55,45 75,293 3,47 Pennsylvania 7 8,39,988 23,85 2,577,3 7,496 2,49,33 3,439 Rhode Island 36 6,294 9,23 5,262 7,862 22,9 2,766 South Carolina 6 2,54,327 33,72 6,584 28, ,76 3,44 South Dakota 7 87,44 3, ,882,878 23,857 4, Tennessee 3,622,88 5,33 92,964 42,842,7,582 3,56 Texas 26 2,793, ,54 4,27,54 232,6 4,76,97 3,39 Utah 24,62,7 37,863 67,97 35,239 49,95 3,295 Vermont 49 33,46 6,5 6,92 5,846 57,72 2, Virginia 2 4,85,753 62,866,34,97 52,93,437,468 3,375 Washington 25 3,988,34 8,294,2,69 74,28,249,68 3,92 West Virginia ,842,77 22,767 9,73 297,7 3,2 Wisconsin 34 3,58,49 59, ,8 5,734,2,786 2,927 Wyoming ,542 8,733 48,4 7,99 32,92 2,98 United States 77,47,89 3,287,4 54,94,337 2,949,989 54,996,68 3,227 Note: Rank is based on the value of small business loans per employee Employee data is from the Statistics of US Businesses Source: Statistics of US Businesses; US Small Business Administration, Office of Advocacy and from Community Reinvestment Act

148 Table 5 of Reporting Institutions by Asset Size and State and Territory Based on Call Report Data, June 27 June 22 Year 22 Lending Institution by Asset Size Category State <$M $M$5M $5M$B $B$B >$5B Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Federated St of Micro Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming US Total , , , , , , , Source: Federal Deposit Insurance Corporation (