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Small Business and Micro Business Lending in the United States for Data Years 2008-2009

Office of Advocacy U.S. Small Business Administration

December 2010 Created by Congress in 1976, the Office of Advocacy of the U.S. Small Business Administration (SBA) is an independent voice for small business within the federal government. Appointed by the President and confirmed by the U.S. 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, D.C., support the Chief Counsel’s efforts.

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Foreword This edition of the Office of Advocacy’s annual study of lending to small and micro businesses by most depository institutions in the United States continues the expanded coverage of previous editions. In addition to banks, other depository institutions such as federal and state savings banks and savings and loan associations are included. Geographic coverage includes the United States and its territories.

The two types of data used in this study are based on reports made by depository institutions to their respective regulating agencies—Call Reports for June 2009 and Community Reinvestment Act (CRA) reports for 2008. Because a smaller number of institutions are required to submit CRA reports—only those with assets of $1 billion or more—the coverage of small business lending activities under CRA reporting is less than Call Report coverage.

This study reports on the lending activity of 8,210 individual reporting depository institutions, 255 fewer than were covered in the 2008 report (see Table 5). While the number of depository institutions declined, the number of branches within banks increased, by 386. The report covers both small business and micro business lending by all reporting institutions, including very large institutions with billions of dollars in assets. Small business lending is defined in this report as loans of less than $1 million and micro business lending includes loans of less than $100,000, a subset of small business lending. Some information is also provided about the subset of larger small business loans between $100,000 and $1 million.

Recent changes in financial markets, such as interest rate fluctuations and mergers of depository institutions, are likely to negatively impact small firms and could affect their access to credit. These issues should be closely monitored, and small firm access to funds should be assured.

Data on the top institutions lending to small businesses in each state can be found in this report. Advocacy’s website contains expanded versions of tables 3A and 3B, listing the lending activity of all lenders in the 50 states, the District of Columbia, and U.S. territories. The information is useful to both small businesses in search of loans and lenders who seek to compare their lending with that of their competitors.

The lending studies may also be viewed on the Office of Advocacy’s webpage, www.sba.gov/advo/research/lending.html. If you have questions or comments, please write to the Office of Advocacy, U.S. Small Business Administration, Mail Code 3112, 409 Third St., S.W., Washington, D.C. 20416, or fax (202) 205-6928. Technical questions may be addressed to Dr. George Haynes or Ms. Victoria Williams, at (202) 205-6530 or by e-mail: [email protected] or [email protected]. We welcome your comments and suggestions.

Winslow Sargeant Chief Counsel for Advocacy U. S. Small Business Administration

iii Small Business and Micro Business Lending in the United States, 2008-2009

Contents

Introduction ...... 1 Part One: Developments in Small and Micro Business Lending ...... 3 Part Two: Directory of Top U.S. Small and Micro Business Lenders ...... 11 Appendix: Data Notes ...... 15

v Small Business and Micro Business Lending in the United States, 2008-2009 Introduction

The key to small business survival continues to be access to credit, and the United States banking system is the main provider of credit to small businesses.1 The well-being and growth of small businesses depends on how lending institutions are meeting the needs of small firms. Knowing which lenders provide small business financing helps small businesses save valuable time in shopping efficiently for credit. Such information also helps lending institutions learn about the demand for and supply of small business credit, about the competition in the markets they serve, and about new investment opportunities.

This annual edition of Small Business and Micro Business Lending in the United States provides information on lending institutions and their small and micro business loansfor data years 2008- 2009.2 For the fifth consecutive year, the study expands coverage of small business lenders to include other depository institutions such as savings banks and savings and loan associations in addition to commercial banks. The expanded geographic coverage includes information for the territories of Guam, American Samoa, Puerto Rico, and the U.S. Virgin Islands.

The analysis in this study is based on two types of data reported by lending institutions to their respective regulating agencies—the Call Reports for June 2009 (for information on outstanding loans) and reports made under the requirements of the Community Reinvestment Act (CRA) for 2008.3

Both small and micro business lending are examined. Because data are available only by the size of the loan and not by the size of the business, the following definitions are used: • Small business loans are defined as business loans under $1 million. • Micro business loans are defined as business loans under $100,000 (the subset of small business loans that constitutes the smallest loans). • Larger small business loans are loans of $100,000 to under $1 million (the subset of small business loans that includes larger loans).

The study consists of two parts. Part One discusses developments in small and micro business lending activities by lending institutions in the United States. The first section examines developments apparent in the Call Report data; the second looks at developments based on the

1 See Board of Governors of the Federal Reserve System, “Financial Services Used by Small Businesses: Evidence from the 2003 Survey of Small Business Finances,” Federal Reserve Bulletin, October 2006, Table 10, Page A186. 2 This is the 16th annual edition of this study, which began in 1994 with the Call Report data; four years later the CRA data were included as part of the report. 3 The Call Reports, officially known as the Consolidated Reports of Condition and Income, 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. The CRA data are designed to encourage depository institutions to meet the credit needs of the local communities from which they obtain deposited funds. The CRA data are important for understanding small business lending activities by lending institutions and bank holding companies (BHCs) in a given state. 1 Small Business and Micro Business Lending in the United States, 2008-2009 CRA database. Analysis in this study covers data from June 2008 through June 2009 for Call Reports and the calendar year of 2008 for CRA reports.

Part Two provides lists of the top small and micro business lenders in the states, using both the Call Report and CRA data. For the reader’s convenience, tables listing nationwide multi-billion- dollar lending institutions are presented before the state tables. The placement is not a reflection of the lending institutions’ 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 association. 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.

Accessing the Study The current and previous editions of Advocacy’s lending studies are available on Advocacy’s website at www.sba.gov/advo/research/lending.html. Paper and microfiche copies are also available for purchase from the National Technical Information Service, telephone (703) 487- 4650.

Suggestions Send written comments or suggestions to the Office of Advocacy, U.S. Small Business Administration, Mail Code 3112, 409 Third St., S.W., Washington, D.C. 20416, or by fax to (202) 205-6928. Technical questions may be addressed to Dr. George Haynes or Ms. Victoria Williams, at (202) 205-6530 or by email: [email protected] or [email protected].

2 Small Business and Micro Business Lending in the United States, 2008-2009 Part One: Developments in Small and Micro Business Lending

I. Findings from the June 2008–June 2009 Call Reports

A. Small Business Loans Outstanding from All Reporting Lending Institutions

U.S. lending institutions’ patterns of lending to businesses showed declines in both the number and value of loans for all loan size categories in 2008-2009. 4 The pattern was quite different from trends in the recession at the beginning of the decade (2000-2001), when the value of small business lending increased, but at slower rates. In 2008-2009, demand and supply contracted for all types of business loans,, as both borrowers and lenders continued to delay new financing deals in response to the less favorable economic environment.5 Total business loans outstanding in June 2009 declined slightly, by almost 1 percent, and totaled $2.3 trillion, compared with a 12.2 percent increase in 2008 (Table A). The average increase had been more than 10 percent over the previous four years.

For the first time since the Call Reports became available in 1994, the pace of borrowing and lending in the small business marketplace declined. The value of small business loans under $1 million made by domestic lending institutions declined to $695.4 billion in June 2009. The total was down $15.9 billion or 2.2 percent below the $711.3 billion level of June 2008 (Tables A and B). The number of small business loans declined during this period, except those in the $100,000 to $1 million range, which remained stable (Table C).

The downward trend was most pronounced for loans in the smallest loan size category—micro loans of less than $100,000. The most significant change occurred in the number of these loans, which dropped back to 21 million in 2009—a 16 percent decline—after increasing by 15.7 percent from 21.6 million in 2007 to 25 million in 2008 (Tables A, B, and C). The decline reflects the retreat of large lenders in the small business credit card market.

Business mortgages and commercial and industrial (C&I) loans outstanding also declined. In general, the pace of small business borrowing and lending in the market was weak, as the demand for and supply of small firm bank loans contracted.

4The coverage of depository institutions in this annual study was expanded in the 2004-2005 edition to include federal and state savings banks and savings and loan associations. Lending institutions covered include commercial banks (charter types 7 and 8), federal savings banks (charter types 9 through 12), and savings and loan associations (charter types 1 through 4). Credit unions are excluded. 5 According to the July 2009 Senior Loan Officer Opinion Survey on Bank Lending, domestic banks continued to tighten standards and terms over the previous three months on all major types of loans to businesses and households. The most cited reasons were reduced tolerance for risk, followed by a more uncertain economic outlook and worsening industry-specific challenges. 3 Small Business and Micro Business Lending in the United States, 2008-2009 Table A. Dollar Amount and Number of Small Business Loans, June 2005-June 2009, by Loan Size (Dollars in Billions, Numbers in Millions) Percent Change June 2008- Loan Size 2005 2006 2007 2008 2009 June 2009 Under $100,000 Dollars (B) 138.4 146.0 159.7 170.5 161.8 -5.1 Number (M) 19.0 19.0 21.6 25.0 21.0 -16.0 $100,000 to <$1 Dollars (B) 462.3 487.9 524.9 540.7 533.6 -1.3 Million Number (M) 1.98 2.2 2.9 2.2 2.2 0.0 Under $1 Million Dollars (B) 600.8 634.0 684.6 711.3 695.4 -2.2 Number (M) 21.0 21.3 24.5 27.2 23.2 -14.7 Over $1 Million Dollars (B) 1,080.0 1,214.4 1,339.3 1,559.1 1,557.3 -0.1 Total Business Loans Dollars (B) 1,680.8 1,848.4 2,023.9 2,270.4 2,252.7 -0.8 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2009 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

Table B. Change in the Dollar Amount of Business Loans by Loan Size, June 2004—June 2009 (Percent)

June 2004- June 2005- June 2006- June 2007- June 2008- Loan Size June 2005 June 2006 June 2007 June 2008 June 2009 Under $100,000 1.9 5.5 9.4 6.8 -5.1 $100,000 to <$1 Million 4.8 5.5 7.6 3.2 -1.3 Under $1 Million 4.1 5.5 8.0 4.0 -2.2 Over $1 Million 15.4 12.4 10.3 16.4 -0.1 Total Business Loans 11.1 10.0 9.5 12.2 -0.8 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2009 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

Table C. Change in the Number of Small Business Loans by Loan Size, June 2004—June 2009 (Percent)

June 2004- June 2005- June 2006- June 2007- June 2008- Loan size June 2005 June 2006 June 2007 June 2008 June 2009 Under $100,000 24.8 0 13.7 15.7 -16.0 $100,000 to <$1 Million 5.0 12.8 31.8 -23.3 0.0 Under $1 Million 22.6 1.2 15.0 11.1 -14.7 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2009 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

4 Small Business and Micro Business Lending in the United States, 2008-2009 B. Micro Business Loans Outstanding in the United States

The smallest loans declined by 5.1 percent in the dollar amount and 16.0 percent in the number, from 25 million loans valued at $170.5 million in June 2008 to 21 million loans valued at $161.8 million in June 2009. The large decrease in the number of these loans reflects the low risk tolerance by banks and other institutional lenders, a factor cited by the Senior Loan Officer Opinion Survey as one reason for the tightened lending standards.6 The huge decrease in the number of micro loans shows the retreat of large lenders from small business credit card promotion. Large corporations also reduced their use of external funds as the need to finance investment in equipment declined and their use of internal funds increased. This is reflected in decreased borrowing in loans over $1 million, down 0.1 percent, well below the 16.4 percent increase in the previous year (Tables A and B).

C. Small and Micro Business Loans Outstanding from Multi-billion-dollar Lending Institutions

The relative importance of lending institutions of different sizes in the small business loan markets continues to change with the ongoing consolidation of depository institutions through mergers and acquisitions.7 The total number of financial holding companies and independent depository institutions was 7,246 in June 2009, 134 fewer, on net, than the 7,380 in June 2008 (Table D).8 Most of the decline was in the smallest lenders with assets under $500 million, down by 166 institutions.

The 101 largest lending institutions (with assets exceeding $10 billion) accounted for 65.0 percent of total business loans in all the reporting financial institutions and 76.4 percent of their total domestic assets in June 2009. Their share of total business lending declined slightly, and their share of assets remained relatively unchanged from June 2008 to June 2009. Their share of the number of small business loans increased substantially, from 67.0 percent to 78.2 percent; their percentage of the value of these loans grew slightly from 47.0 percent to 48.5 percent. Consequently, the average size of small business loans made by these giants was much smaller in 2009 than in 2008.

These largest lenders continue to dominate the market for micro business loans under $100,000. In this segment of the market, which includes business credit cards, they accounted for 82

6 Federal Reserve Board, Senior Loan Officer Opinion Survey on Bank Lending Practices, various issues, 2009. 7There were 140 bank failures--the most since 1992. Problem institutions numbered 702 in 2009, and 179 lending institutions were absorbed by mergers, according to the FDIC Quarterly Banking Profile, Fourth Quarter 2009. 8 This table is derived by combining the files for reporting institutions and consolidated members of holding companies. Many noncommercial bank members of holding companies may not be consolidated in the data because of missing ID links. The number of lending institutions as of June 2009 was 7,246, including 2,266 independent non-BHCs and 4,980 bank and other financial services holding companies. The number in Table D is different from the number in Table 5 because branches are combined into the holding company in Table D whereas Table 5 breaks out individual reporting institutions. Both tables may include some nondepository institutions. 5 Small Business and Micro Business Lending in the United States, 2008-2009 Table D. Share of Total Assets and Business Loans by Size of All U.S. Depository Institutions, June 2007–June 2009 (Percent, Except Figures for Number of Institutions)*

Asset Size of Institutions $10 Over Billion $1 Billion $500 Under All $50 to $50 Over $10 to $10 Million to $500 Institutions Billion Billion Billion Billion $1 Billion Million and BHCs .June 30, 2007 Number of Institutions 32 74 106 498 617 6,244 7,465 Micro Business Loans Dollars 41.51 16.67 58.18 14.00 6.02 21.80 100.0 (under $100,000) Number 49.00 17.40 66.39 19.85 7.62 6.40 100.0 Small Business Loans Dollars 32.48 12.17 44.65 22.27 9.98 23.10 100.0 ($100,000-$1 Million) Number 23.57 8.75 32.32 21.71 7.24 38.70 100.0 Total Small Business Dollars 34.59 13.22 47.81 20.33 9.05 22.80 100.0 Loans (under $1 Million) Number 46.00 16.38 62.38 20.07 7.57 10.00 100.0 Total Business Loans Dollars 51.31 13.9 65.21 17.57 5.90 11.30 100.0 Total Domestic Assets Dollars 61.31 14.27 75.58 12.29 3.99 8.14 100.0 .June 30, 2008 Number of Institutions 34 66 100 529 657 6,094 7,380 Micro Business Loans Dollars 48.63 12.24 60.86 13.48 5.76 19.90 100.0 (under $100,000) Number 56.17 13.00 69.18 19.40 6.23 5.20 100.0 Small Business Loans Dollars 34.20 9.71 43.91 23.06 10.49 22.54 100.0 ($100,000-$1 Million) Number 32.88 9.10 41.98 22.36 10.09 25.56 100.0 Total Small Business Dollars 37.66 10.32 47.97 20.76 9.35 21.91 100.0 Loans (under $1 Million) Number 54.28 12.69 66.97 19.64 6.54 6.85 100.0 Total Business Loans Dollars 54.89 11.12 66.01 17.49 5.99 10.52 100.0 Total Domestic Assets Dollars 64.42 12.03 76.46 12.02 3.92 7.60 100.0 .June 30, 2009 Number of Institutions 32 69 101 556 661 5,928 7,246 Micro Business Loans Dollars 46.87 16.79 63.66 11.44 5.86 19.05 100.0 (under $100,000) Number 57.70 24.30 82.00 4.48 7.51 6.01 100.0 Small Business Loans Dollars 33.67 10.22 43.88 22.75 10.41 22.96 100.0 ($100,000-$1 Million) Number 31.95 9.90 41.85 21.81 12.69 23.65 100.0 Total Small Business Dollars 36.74 11.75 48.48 20.12 9.35 22.05 100.0 Loans (under $1 Million) Number 55.24 22.92 78.17 6.14 8.00 7.69 100.0 Total Business Loans Dollars 53.00 12.05 65.05 18.03 6.09 10.83 100.0 Total Domestic Assets Dollars 65.06 11.37 76.43 12.13 3.89 7.54 100.0 *All members of a holding company are consolidated to the extent the linked identification numbers permit. Credit unions are excluded. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2008 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

percent of the total number of small loans in June 2009 (Table D).9 Their share of the value of micro business loans increased from 60.9 percent in 2008 to 63.7 percent in 2009.

9 The importance of C&I loans in the business loan portfolios of very large lending institutions is reflected in the statistics of the June 2009 Call Reports, which show that these lenders accounted for 69 percent of total C&I loans under $100,000. Credit card use by small firms increased in 2009, because small businesses were more successful in obtaining credit cards than other forms of credit. Seventy-five percent of small firms that applied for a credit card 6 Small Business and Micro Business Lending in the United States, 2008-2009 The largest lenders’ share of the market for loans between $100,000 and $1 million remained fairly stable. In the last three years, their percentage of the total loan value in this market ranged between 44.7 and 43.9 percent; their share of the number was between 32.3 and 42.0 percent.

The market shares of the total amounts of business loans and domestic assets remained unchanged for these large institutions from 2008 to 2009. It is unknown whether very large lending institutions are moving away from higher-cost small business lending to lower-cost micro business lending in the forms of credit cards and credit lines. As banking concentration continues, it will be important to continue monitoring developments.

D. Small Commercial and Industrial and Mortgage Loans Held by Large Lending Institutions

Lower demand, along with tighter credit standards, resulted in weakening of commercial and industrial (C&I) lending from firms of all sizes. The dominance of large lenders in the C&I micro loan market is even more evident compared with micro business lending.10 The total value of C&I loans declined from $1.3 billion in 2008 to $1.2 billion in 2009, a 6.8 percent drop, similar to the decline in total mortgage lending (Table E). The value of the micro loan markets for C&I and mortgage loans declined by 5.0 and 6.5 percent, respectively. Nevertheless, these very large lenders accounted for more than two-thirds of C&I micro loans and almost 45 percent of C&I loans in the $100,000 to $1 million size category in 2009 (Table F).

These lending institutions also experienced the economic mayhem; the value of C&I loans declined steeply at these large banks in 2009, consistent with reports that some large firms with access to capital markets paid down bank loans (Tables E and G).11 Declines in demand for C&I loans reveal the reduced need for expansion, as poor sales were of increased concern to small firms.12 Large lenders also were not as active in the micro business mortgage market, where they accounted for 26 percent of loans in 2009 (Table F). In the larger small business mortgage loan category ($100,000-$1 million) they accounted for about the same percentage—40 percent of loans in both 2009 and 2008.

were successful; the success rate for those that applied for lines of credit or bank loans was roughly half that of credit cards. See Board of Governors of the Federal Reserve System, Report to the Congress on the Use of Credit Cards by Small Business, May 2010. 10 The reasons given for reduced demand in the Senior Loan Officer Opinion Survey included decreases in the need to finance investment in plant and equipment, inventories, accounts receivable, and merger and acquisition activity; as well as lower loan demand from creditworthy borrowers; and deterioration in the credit quality of potential borrowers. The spreads of C&I loan rates over banks’ cost of funds spiked upward in 2009, according to the Survey of Terms of Business Lending, while the rate spreads between the LIBOR and the rate on comparable-maturity overnight index swaps narrowed at all maturities. 11 Some of these loans were paid with bond proceeds. Federal Reserve Board, Profits and Balance Sheet Developments at U.S. Commercial Banks in 2009; see Figure 5. 12 A survey by the National Federation of Independent Business showed that small firms cited poor sales as their most important problem; only a relatively small number of respondents reported credit availability. 7 Small Business and Micro Business Lending in the United States, 2008-2009 Table E. Dollar Amount and Number of Commercial and Industrial, and Mortgage Loans June 2008-June 2009, by Loan Size (Dollars in Billions, Numbers in Millions) Percent. 2008 2009 Change C&I Loans Under $100,000 Dollars (B) 141.8 134.9 -4.9 Number (M) 24.4 20.4 -16.4 $100,000 to<$1Million Dollars (B) 195.0 188.9 -3.1 Number (M) 1.0 1.0 0.5 Total C&I Loans Dollars (B) 1,253.3 1,168.1 -6.8 Mortgages Under $100,000 Dollars (B) 28.7 26.8 -6.5 Number (M) 0.6 0.6 -7.8 $100,000 to<$1Million Dollars (B) 345.8 344.7 -0.3 Number (M) 1.2 1.2 -0.4 Total Mortgage Loans Dollars (B) 1,017.2 1,084.6 -6.6 Total Business Loans Dollars (B) 2,270.4 2,252.7 -0.8 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2009 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

Table F. Share of Commercial and Industrial and Mortgage Loans Held by Institution Size, June 2008–June 2009 (Percent) Asset Size of Institution $1 Billion to $500 Million $100 Million to Less than Over $10 Billion $10 Billion to $1 Billion $500 Million $100 Million Total 200 8 C&I Loans Under $100,000 65.5 12.9 5.2 12.0 4.4 100.0 $100,000 to $1 Million 43.0 22.9 10.1 20.0 4.0 100.0 Mortgages Under $100,000 27.0 15.1 8.6 34.4 14.8 100.0 $100,000 to $1 Million 39.8 22.2 11.5 22.8 3.7 100.0 Total Business Loans 66.0 17.5 6.0 9.1 1.4 100.0 Total Assets 76.5 12.0 3.9 6.3 1.3 100.0 2009 C&I Loans Under $100,000 68.6 10.7 5.4 11.4 3.9 100.0 $100,000 to $1 Million 44.6 22.1 10.0 19.8 3.7 100.0 Mortgages Under $100,000 26.0 17.2 9.5 33.5 13.8 100.0 $100,000 to $1 Million 39.5 22.3 11.8 22.7 3.7 100.0 Total Business Loans 65.1 18.0 6.1 9.5 1.3 100.0 Total Assets 76.4 12.1 3.9 6.4 1.2 100.0 Source: U.S. Small Business Administration, Office of Advocacy, special tabulations of Call Reports (Consolidated Reports of Condition and Income for U.S. Banks) prepared for the Office of Advocacy by James Kolari, A&M University, College Station, Texas.

8 Small Business and Micro Business Lending in the United States, 2008-2009 Table G. Change in Value of Small Business Loans by Institution Size and Loan Type, June 2008 - June 2009 (Percent) Asset Size of Institution Over $10 $1 Billion to $500 Million Under $500 Billion $10 Billion to $1 Billion Million Total C&I Loans Under $100,000 -0.34 -21.50 -1.16 -11.02 -4.87 $100,000 to $1 Million 0.45 -6.73 -4.00 -5.74 -3.13 Under $1 Million 0.03 -11.03 -3.22 -7.49 -3.86 Total C&I Loans -7.45 -4.37 -3.09 -6.19 -6.80 Mortgages Under $100,000 -9.89 6.03 3.34 -10.13 -6.46 $100,000 to $1 Million -1.22 0.48 2.32 -0.69 -0.30 Under $1 Million -1.68 0.78 2.38 -1.95 -0.77 Total Mortgage Loans 7.38 7.90 6.85 2.64 6.63 Source: U.S. Small Business Administration, Office of Advocacy, special tabulations of Call Reports (Consolidated Reports of Condition and Income for U.S. Banks) prepared for the Office of Advocacy by James Kolari, A&M University, College Station, Texas.

II. Findings from CRA Reporting Institutions for 2008

A. Small Business Lending by CRA Reporting Lending Institutions

The Community Reinvestment Act (CRA) data capture the location of loans made by a lender in a certain time period, for example, for the calendar year. This segment covers the calendar year 2008 lending activity of large lending institutions participating in small business lending and reporting under the CRA program.13 The lending information is classified by the borrower’s location, rather than by the location of the bank headquarters as is the case in the Call Reports. A comparison of CRA and Call Report reporting institutions appears in Table H. Only banks with assets of $1 billion or more are required to report CRA information, so smaller banks are not identified in these data. Changes in reporting requirements resulted in only 808 institutions submitting CRA reports, slightly fewer than in 2007.14 These lenders accounted for 81 percent of total domestic assets and 71 percent of U.S. small business lending (loans under $1 million). A total of $295 billion in small business loans under $1 million were extended for 10.7 million loans by CRA-reporting institutions in 2008, compared with $326.4 billion for 13.5 million loans in 2007 (Table I). The value of these loans declined by 9.7 percent, the number by 20.3 percent.

13 The CRA, enacted in 1977, is designed to encourage banks to meet the credit needs of the local communities from which they obtain deposited funds. The criteria for the CRA lenders filing the reports changed at the beginning of 2005.As a result of the revision in the reporting requirements, fewer lenders are required to file the annual CRA reports. The asset size for the reporting institutions was increased from $250 million to $1 billion in assets, thus eliminating a large number of institutions that had previously reported small business loan data. 14Institutions with identified balance sheet items totaled 740.The 808 number includes all reporting lenders with and without balance sheet information from the Call Reports.

9 Small Business and Micro Business Lending in the United States, 2008-2009

Table H. Comparison of Assets and Business Loans Outstanding for All Lending Institutions as Reported in Call Reports and by CRA-Reporting Institutions (Billions of Dollars) Call Report CRA- CRA/ CRA/ CRA/ CRA/ Institutions Covered CRB CRB CRB CRB (CRB) Institutions (Percent) (Percent) (Percent) (Percent) Loan Size 6/2009 6/2008 2008 2007 2006 2005 Micro Business Loans <$100,000* 161.8 126.0 0.71 0.59 0.61 0.59 Small Business Loans $100,000 – $1 Million 533.6 364.6 0.68 0.65 0.58 0.65 Small Business Loans <$1 Million 695.4 490.6 0.71 0.64 0.60 0.64 Total Business Loans 2,252.7 1,865.0 0.83 0.72 0.82 0.79 Total Assets 11,912.4 9,632.3 0.81 0.80 0.81 0.77 Number of Lending Institutions 7,246 808 *The figure for loans under $100,000 for CRA-reporting banks is likely to be an understatement because loans made by American Express Bank are excluded. The bank was not required to submit a CRA report after its reorganization in March 2004. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2009 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

Table I. Amount and Number of Loans made by CRA Reporting Institutions in 2005–2008 (Dollars in Billions, Numbers in Millions) Loan Size Dollars or Number of Loans 2005 2006 2007 2008 Number of Institutions/BHCs 774 791 816 808 Dollars (B) 97.94 116.2 146.0 119.7 Under $100,000 Number (M) 7.5 11.1 13.0 10.2 Dollars (B) 173.17 173.6 180.43 175.16 $100,000 – $1 Million Number (M) 0.5 0.5 0.5 0.5 Dollars (B) 271.11 289.8 326.43 294.86 Under $1 Million Number (M) 7.9 11.6 13.5 10.7 Total Assets Dollars (B) 7,947.48 8,704.00 8,613.00 9,632.3 Total Business Loans Dollars (B) 1,465.2 1,657.2 1,634.40 1,865.0 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2008 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas).

B. Micro Business Lending by CRA Lending Institutions

The CRA data confirm the findings in the Call Reports that large lending institutions’ small business lending has declined. Multi-billion-dollar lending institutions made 10.2 million micro business loans valued at $119.7 billion in 2008, down 2.8 million or 21.5 percent in the number of loans and $26.3 billion or 18.0 percent in the value of loans from the previous year (Table I). The total domestic assets of these lenders increased from $8.6 trillion in 2007 to $9.6 trillion in 2008—an 11.6 percent increase.

10 Small Business and Micro Business Lending in the United States, 2008-2009 Part Two: Directory of Top U.S. Small and Micro Business Lenders

Small businesses for the most part borrow locally; lending institutions tend to be located in the same community or in communities within close proximity. To help small businesses shop more efficiently for credit, the Office of Advocacy provides a directory or listing of small and micro business lenders. The information is also useful to lenders interested in learning about the competition in small business lending.15 The business lending performance of individual lending institutions is ranked for the national market (for multi-billion-dollar lenders) and in each state. Tables 1A through 2B rank multi-billion-dollar lenders in the national market using Call Report and CRA data. Tables 3A through 4B list top small business lending institutions in individual states. Information for all reporting lenders (Tables 3A and 3B expanded) is available on the Advocacy website, www.sba.gov/advo/research/lending.html.

Table 1A. Small Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009

Table 1A ranks the small business lending of the 101 largest lending institutions with total domestic assets of more than $10 billion.16 Each lending institution is ranked from 1 to 101, with 1 being the top for each of four variables—the ratio of small business loans to total business loans (LSBL/TBL); the ratio of small business loans to total assets (LSBL/TA); the total dollar amount of small business lending by the lending institution (LSBL$), and the total number of small business loans (LSBL#). (See the appendix for detailed descriptions). These variables then are totaled and reranked from 1 to 93. The remaining institutions are not ranked because of missing data or lack of small business lending activity.

The top five small business lenders in June 2009, based on Call Report data, were American Express Bank Federal Savings Bank (FSB) (first in 2008), GE Capital Financial, Capital One Financial Corporation (second in 2008), Wintrust Financial Corp, and Zions Bancorp (seventh in 2008).

Table 1B. Micro Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009

Table 1B ranks the micro business lending of the 101 largest lending institutions with total domestic assets of more than $10 billion.17 Each lending institution is ranked from 1 to 101 (one being the top) for each of four variables. These variables then are totaled and reranked from 1 to

15 This study examines small business lending in the economy by all lenders in the United States. No attempt has been made to distinguish SBA-guaranteed lenders in the analysis. Lenders are ranked based on their overall lending, not lending under SBA programs. 16 Since March 2004, American Express Centurion and Capital One Bank have organized federal savings banks (FSBs) to conduct their small business credit card operations. 17 The four criteria used are the same as those for Table 1A 11 Small Business and Micro Business Lending in the United States, 2008-2009 88; the remaining lending institutions are not ranked because of missing data or lack of micro business lending activity.

The top five lenders were American Express Bank FSB (first in 2008), GE Capital Financial, Capital One Financial, Capital One Financial Corporation (second in 2008), JPMorgan Chase and Co. (third in 2008), and GMAC, Inc.

Table 2A. Small Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008

Table 2A presents multi-billion-dollar lending institutions’ small business lending by rank using CRA data. Information from Call Reports was employed in combination with the CRA data to perform the four-variable ranking. 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. Since CRA data provide location-specific 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.

Eighty-two of the largest lending institutions with small business loans were identified, but only 79 were ranked. The five top small business lenders for 2008, using the combined ranking criteria, are American Express Bank FSB (first in 2007), GE Capital Financial Inc., Zion Bancorporation (15th in 2007), First Citizen Bancshares (10th in 2007), and Synovus (seventh in 2007). The remaining three lenders were not ranked because of inadequate information.

Table 2B. Micro Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008

Table 2B uses information from the Call Reports along with the CRA data to obtain the four- variable ranking 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 location-specific 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.

Of the 82 large lending institutions, 79 were ranked. The five top small business lenders for 2008 using CRA data were American Express Bank FSB (first in 2007), GE Capital Financial Inc., Capital One Financial Corporation (46th in 2007), JPMorgan Chase & Co. (fourth in 2007), and Regions Financial Corporation (seventh in 2007).18 Three lenders were not ranked because of inadequate information.

18 The small business lending activities of American Express Centurion Bank were transferred to American Express Bank after its March 2004 reorganization. 12 Small Business and Micro Business Lending in the United States, 2008-2009 Table 3A. Top-ranked Lending Institutions for Small Business Lending by State and Territory Based on Call Report Data, June 2009

Table 3A provides small business lending performance of a lender measured on four criteria. Then a list of the top institutions lending to small businesses in individual states are identified. The list includes the top 10 or the top 10 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: Data Notes). A lender’s total score is the sum of the four individual decile rankings multiplied by 2.5 to attain a possible score of 100. The decile ranking is a measure of where the individual lender falls in the distribution of all lenders 19 within a state for any given variable. Decile rankings range from 1 to 10. Lending institutions in the top 10 percent of all lenders in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Lending institutions that do not lend to small businesses (loans under $1 million) receive a 0. Four top scores will sum to 40. To make the top score total 100 rather than 40, each score is multiplied by 2.5. The entire ranking of all lending institutions in each state is provided on the Advocacy website, www.sba.gov/advo/research/lending.html.

Note again that Call Report data are keyed to the institution’s headquarters location rather than to 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-ranked Lending Institutions for Micro Business Lending by State and Territory Based on Call Report Data, June 2009

Table 3B consists of a list of lending institutions by state that make micro business loans (loans under $100,000). Only the top 10 lenders or the top 10 percent, whichever number is smaller, are included in the list. (Ties may increase the number.) The performance of a micro business 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 individual lenders. The lender’s total score is the total of the four individual decile rankings multiplied by 2.5 to attain a possible score of 100. A complete ranking of all lending institutions in each state is provided on the Advocacy website, www.sba.gov/advo/research/lending.html.

Table 4A. Top Small Business Lenders by State and Territory Based on CRA Data, 2008

Lists of the top small business lenders for each state using CRA data are 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 $50 million in a given state in 2008. 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 $1 million) in this table because of the difficulty of generating two ratio variables for these institutions by state. Clearly, large lending institutions appear more important in the small business loan markets in many states.

19 See data notes for detailed information on decile rankings. 13 Small Business and Micro Business Lending in the United States, 2008-2009

Table 4B. Top Micro Business Lenders by State and Territory Based on CRA Data, 2008

CRA data are used to provide a list of top micro business lenders in a given state in Table 4B. Included in this list are lending institutions with micro business lending of more than $10 million in the state in 2008. Again, rankings are based solely on the dollar amount of micro business lending (loans under $100,000) in this table for the reasons discussed above.

Table 5. Number of Reporting Banks by Bank Asset Size and by State and Territory, Call Report Data, 2009

Table 5 summarizes the number of lending institutions by individual states for each year, for four years, and includes a listing by institution asset size for the most recent year. The asset sizes are under $100 million, $100 million to $500 million, $500 million to $1 billion, $1 billion to $10 billion, and over $10 billion.

14 Small Business and Micro Business Lending in the United States, 2008-2009 Appendix: Data Notes

Ranking Methodology and Table Descriptions Four variables were used to create a total score for the small business lending activities of individual lenders when feasible: (1) 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.20

For large lending institutions in the Call Reports (Tables 1A and 1B), simple rankings from 1 up were performed for each of the four variables first, with “1” as the top ranking. The four individual rankings were summed and reranked from 1 up to produce a total rank. For lending institutions in the CRA data (Tables 2A and 2B), ratio information was retrieved from Call Report data and used in combination with information from the CRA to perform Advocacy’s four-variable 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 and 3B), 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 1 to 10. Lending institutions in the top 10 percent of all lenders in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Lending institutions that do not lend to small businesses (loans under $1 million) receive a 0. Four top scores will sum to 40. To make the top score total 100 rather than 40, each score is multiplied by 2.5.

For state lending using the CRA data (Tables 4A and 4B), banks were listed in order of the dollar amount of small business loans made in each state in the year. Obviously, large institutions appear at the top.

20 The exception is those 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 organizing 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. 15 Small Business and Micro Business Lending in the United States, 2008-2009 Variables Used in Tables

Variable Acronym Definition LSBL Small Business Loans (<$1 Million) SSBL Micro Business Loans (<$100,000) LSBL (2) Larger Small Business Loans ($100,000 -<$1 Million) TBL Total Business Loans TA Total Assets CRD Credit Cards

Table Descriptions

Table 1A: Small Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009 This table ranks small business lending of multi-billion-dollar lending institutions using the four criteria with the Call Report data to measure the emphasis on small business lending in a lender’s loan portfolio. Small business loans (SBLs) are defined as loans under $1 million. Numbers in parentheses represent columns in the table.

1) Overall Ranking (Total Rank). Summary of small business lending rankings of large lending institutions with respect to loans under $1 million. A simple ranking of 1 and up is given for each of the four criteria. The total ranking is derived from the sum of the four rankings, found in columns 2-5.

2) Ratio of Small Business Loans to Total Business Loans (LSBL/TBL). The ratios of the value of small business lending to total business lending ranged from 0 to 1.0 percent (for American Express Bank, FSB) for the 101 large lending institutions.

3) Ratio of Small Business Loans to Total Assets (LSBL/TA). The ratio of the dollar value of small business loans under $1 million to total domestic assets for each lending institution. For the 101 large lending institutions, the ratios of small business loans to total assets ranged from 0 to a high of 0.476 percent (for American Express Bank, FSB).

4) Total Dollar Amount of Small Business Lending by the Lending Institution (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million.

5) Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million.

6) Lending Institution Asset Size Class (Inst. Asset Size). Domestic asset size class of the lending institution: • $10 billion to under $50 billion ($10B–$50B) • $50 billion and over (>$50B) 16 Small Business and Micro Business Lending in the United States, 2008-2009

7) Total Dollar Amount of Micro Business Loans (SSBL$). Similar to column 4, but for loans of less than $100,000 (in thousands of dollars).

8) Total Number of Micro Business Loans (SSBL#). Similar to column 5, but for loans of less than $100,000.

9) Total Dollar Amount of Larger Small Business Loans (LSBL(2)$). Similar to column 4, but for loans between $100,000 and $1 million (in thousands of dollars).

10) Total Number of Larger Small Business Loans (LSBL(2)#). Similar to column 5, but for loans between $100,000 and $1 million.

11) Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets.

Table 1B: Micro Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009 The Call Report data are used in this table to rank the micro business lending performance of the large lending institutions on the basis of four criteria that measure the importance of micro business lending in a lender’s portfolio. Micro business loans (SSBLs) are defined as loans under $100,000. Numbers in parentheses represent columns in the table. 1) Overall Ranking (Total Rank). Summarizes the rankings of large lending institutions with respect to loans under $100,000. A simple ranking of 1 and up is made first. The total rank is derived from the sum of the four rankings for the variables found in columns 2 through 5. 2) Ratio of Micro Business Loans to Total Assets (SSBL/TA). The ratio of the total dollar value of micro business loans under $100,000 to the total assets for each lending institution. Ratios of micro business loans to total assets for the 101 largest lending institutions ranged from 0 to 0.476 percent (for American Express Bank FSB). 3) Ratio of Micro Business Loans to Total Business Loans (SSBL/TBL). Ratios of micro business lending to total business lending for the 101 large lending institutions ranged from 0 to 1.0 percent (for American Express Bank FSB). 4) Total Dollar Amount of Micro Business Lending by the Lending Institution (SSBL$). The total dollar amount (in thousands) of loans of less than $100,000. 5) Total Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000. 6) Lending Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institution: • $10 billion to under $50 billion ($10B–$50B) • $50 billion and over (>$50B)

17 Small Business and Micro Business Lending in the United States, 2008-2009 7) Total Dollar Amount of Small Business Loans (LSBL$). Similar to column 4, but for loans of less than $1 million (in thousands of dollars). 8) Total Number of Small Business Loans (LSBL#). Similar to column 5, but for loans of less than $1 million. 9) Total Dollar Amount of Larger Small Business Loans (LSBL(2)$). Similar to column 4, but for loans between $100,000 and $1 million (in thousands of dollars). 10) Total Number of Larger Small Business Loans (LSBL(2)#). Similar to column 5, but for loans between $100,000 and $1 million. 11) Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets.

Table 2A: Small Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008 Table 2A show the rankings of 82 of the largest lending institutions using the CRA and Call Report data on the basis of four criteria that measure a lender’s small business lending performance. The two ratio variables are derived from the Call Reports, while the two value variables are from the CRA data. Numbers represent columns in the table. 1) Total Rank. This column summarizes “small business performance” rankings of the lending institution with respect to loans under $1 million. A simple ranking of 1 through 82 for each of the four variables is determined first. The sums of the scores for the four variables described in columns 2 through 5 are used to determine the total ranking. 2) Ratio of Small Business Loans to Total Assets (LSBL/TA). The ratio of small business loans (<$1 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 (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each lender. Lending institutions that make business loans predominantly to small firms will rank high in this category. 4) Total Dollar Amount of Small Business Lending by the Lending Institution (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million. 5) Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million. 6) States with Loans (No. of States w/ Loans). The number of states (and territories) where the lender extended small business loans. 7) Lending Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institution: • $10 billion to under $50 billion ($10B–$50B) • $50 billion and over (>$50B)

18 Small Business and Micro Business Lending in the United States, 2008-2009 8) Total Dollar Amount of Micro Business Loans under $100,000 by the Lending Institution (SSBL$). Similar to column 4, but for loans of less than $100,000 (in thousands of dollars). 9) Total Number of Micro Business Loans under $100,000 by the Lending Institution (SSBL#). Similar to column 5, but for loans of less than $100,000.

Table 2B: Micro Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008 Table 2B uses both CRA and Call Report data to rank order 82 large lending institutions on the basis of four criteria that measure the micro business lending performance for a lending institution. Two ratio variables were derived from the Call Reports. The four individual scores will be provided in the tables on the website. Numbers below represent columns in the table. 1) Total Rank. Summary rankings of lending institutions with respect to micro business loans under $1 million. A simple ranking of 1 through 82 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 Micro Business Loans to Total Assets (SSBL/TA). This column shows the ratio of micro business loans (<$100,000) 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 Micro Business Loans to Total Business Loans (SSBL/TBL). The ratio of micro business loans (<$100,000) to total business loans for each bank. Lenders that make business loans predominantly to small firms will rank high in this category. 4) Total Dollar Amount of Micro Business Lending by the Lending Institution (SSBL$). The total dollar amount (in thousands) of micro business loans of less than $100,000. 5) Total Number of Micro Business Loans (SSBL#). The number of micro business loans of less than $100,000. 6) States with Loans (No. States w/Loans). The number of states (and territories) where the lender extended micro business loans. 7) Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institution: • $10 billion to under $50 billion ($10B–$50B) • $50 billion and over (>$50B) 8) Total Dollar Amount of Small Business Loans by the Lending Institution (LSBL$). Similar to column 4, but for loans of less than $1 million (in thousands of dollars). 9) Total Number of Small Business Loans by the Lending Institution (LSBL#). Similar to column 5, but for loans of less than $1 million.

19 Small Business and Micro Business Lending in the United States, 2008-2009 Table 3A: Top-ranked Lending Institutions for Small Business Lending by State and Territory Based on Call Report Data, June 2009 1) 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 (LSBL/TA). This column displays the ratio of small business loans (<$1 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 (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each bank. Lenders that make business loans predominantly to small firms will rank high in this category. 4) Total Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of small business loans (<$1 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 Number of Small Business Loans (LSBL#). The total number of small business loans (<$1 million) outstanding for each lending institution. 6) Institution Asset Size (Inst. Asset Sz.). The asset size class of the reporting lending institution: • Under $100 million (<$100M) • $100 million to under $500 million ($100M–$500M) • $500 million to under $1 billion ($500M–$1B) • $1 billion to under $10 billion ($1B–$10B) • $10 billion and over (>$10B) 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 less than $100,000. A firm looking for a loan of less than $100,000 might do well to seek out a lender that ranks high in this column (and/or from table 3B). 8) Dollar Amount of Micro Business Loans (SSBL$). The dollar value (in thousands) of micro business loans of less than $100,000. 9) Number of Micro Business Loans (SSBL#). The number of small business loans of less than $100,000 made by the bank. 10) Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. 20 Small Business and Micro Business Lending in the United States, 2008-2009 Table 3B: Top-ranked Lending Institutions for Micro Business Lending by State and Territory Based on Call Report Data, June 2009 1) 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 they are 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 (SSBL/TA). This is the ratio of micro business loans (<$100,000) 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 (SSBL/TBL). This column show the ratio of micro business loans (<$100,000) to total business loans for each lending institution. Lenders that make business loans predominantly to small firms will rank high in this category. 4) Total Dollar Amount of Micro Business Loans (SSBL$). The dollar value (in thousands) of micro business loans (<$100,000) 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 Number of Micro Business Loans (SSBL#). The total number of micro business loans (<$100,000) outstanding for each lending institution. 6) Institution Asset Size (Inst. Asset Sz.). The asset size class of the reporting lending institution: • Under $100 million (<$100M) • $100 million to under $500 million ($100M–$500M) • $500 million to under $1 billion ($500M–$1B) • $1 billion to under $10 billion ($1B–$10B) • $10 billion and over (>$10B) 7) Total Score of Small Business Loans (Total Rank). The sum of the lender’s 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 $1 million. A firm looking for a loan of less than $1 million might do well to seek out a lender that ranks high in this column (and/or from Table 3A). 8) Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of micro business loans of less than $1 million. 9) Number of Small Business Loans (LSBL#). The number of loans of less than $1 million made by the lender. 10) Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets.

21 Small Business and Micro Business Lending in the United States, 2008-2009 Table 4A: Top Small Business Lenders by State and Territory Based on CRA Data, 2008 Table 4A is derived solely from CRA data. The table lists the name of the owning lending institution as well as its home state. The rankings of lenders are based on the dollar amount of small business loans (under $1 million) made as of December 2008. The table lists only lenders with small business loan totals of more than $50 million in a given state in 2008. The dollar amount and number of micro loans under $100,000 and of larger small business loans between $100,000 and $1 million are provided. Numbers in parentheses represent columns in the table. 1) Amount of Small Business Loans (LSBL$). The dollar amount (in thousands) of loans under $1 million made in 2008. 2) Number of Small Business Loans (LSBL#). The number of loans of less than $1 million disbursed. 3) Institution Asset Size (Inst. Asset Size). The total assets of the owning institution by size category: • Under $1 billion (<$1B) • $1 billion to under $10 billion ($1B-$10B) • $10 billion to under $50 billion ($10B-$50B) • $50 billion and over (>$50B) 4) Dollar Amount of Micro Business Loans (SSBL$). The dollar amount (in thousands) of loans of less than $100,000. 5) Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000. 6) Dollar Amount of Larger Small Business Loans (LSBL(2 $). The dollar amount (in thousands) of loans between $100,000 and $1 million. 7) Number of Larger Small Business Loans (LSBL(2)#). The number of larger small business loans ( between $100,000 and $1 million).

Table 4B: Top Micro Business Lenders by State and Territory Based on CRA Data, 2008 Table 4B, similar to Table 4A, ranks lenders on the basis of the dollar amount of micro loans made in 2008. Only lenders with micro business loan totals exceeding $10 million in a given state in 2008 are listed. The table lists the name of the owning institution or the holding company—as well its home state. The table provides the dollar amount and number of micro business loans under $100,000, supplemented by larger small business loans of $100,000 to $1 million and all small business loans under $1 million.

1) Amount of Micro Business Loans (SSBL$). The dollar amount (in thousands) of loans under $100,000 made as of December 2008. 2) Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000 million made. 3) Institution Asset Size (Inst. Asset Size). The total assets of the owning institution by size category:

22 Small Business and Micro Business Lending in the United States, 2008-2009 • Under $1 billion (<$1B) • $1 billion to under $10 billion ($1B-$10B) • $10 billion to $50 billion ($10B-$50B) • $50 billion and over (>$50B) 4) Dollar Amount of Small Business Loans (LSBL$). The dollar amount (in thousands) of loans of less than $1 million. 5) Number of Small Business Loans (LSBL#). The number of loans of less than $1 million. 6) Dollar Amount of Larger Small Business Loans (LSBL (2)$). The dollar amount (in thousands) of loans between $100,000 and $1 million. 7) Number of Larger Small Business Loans (LSBL (2)#). The number of larger small business loans between $100,000 and $1 million.

Table 5: Number of Reporting Institutions by Asset Size and State and Territory, Call Report Data, 2006-2009 The table provides a summary of the total number of lending institutions by state and territory in alphabetical order for four years. For the latest year, the total number of institutions in each of six different asset size categories are presented for each state.

23 Small Business and Micro Business Lending in the United States, 2008-2009 Data Tables

In the printed version, all data tables follow the last page of the text with the exception of Tables 3A and 3B, which show data for all lending institutions in the 50 states, the District of Columbia, and selected territories for which data are available. The expanded tables 3A and 3B are found only on Advocacy’s website, www.sba.gov/advo/research/lending.html.

Table 1A. Small Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009 Table 1B. Micro Business Lending of Large Lending Institutions in the United States Based on Call Report Data, June 2009 Table 2A. Small Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008 Table 2B. Micro Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2008 Table 3A. Top-ranked Lending Institutions for Small Business Lending by State and Territory Based on Call Report Data, June 2009 Table 3A. Expanded. All Small Business Lending Institutions by State and Territory Based on Call Report Data, June 2008 www.sba.gov/advo/research/lending.html. Table 3B. Top-ranked Lending Institutions for Micro Business Lending by State and Territory Based on Call Report Data, June 2009 Table 3B. Expanded. All Micro Business Lending Institutions by State and Territory Based on Call Report Data, June 2009 www.sba.gov/advo/research/lending.html. Table 4A. Top Small Business Lenders by State and Territory Based on CRA Data, 2008 Table 4B. Top Micro Business Lenders by State and Territory Based on CRA Data, 2008 Table 5. Number of Reporting Institutions by Asset Size and State and Territory, Call Report Data, 2006–2009

24 Small Business and Micro Business Lending in the United States, 2008-2009 Table 1A. Small Business Lending Institutions in the United States Using Call Report Data, June 2009

Micro Business Lending Small Business Lending Small Business Lending (<1M) (<100k) (<100k-<1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank LSBL/TBL LSBL/TA LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

American Express Bank, FSB UT 1 1.000 0.476 14,163,061 2,134,945 $10B-$50B 14,163,061 2,134,945 - - 0.2 GE Cap FNCL UT 2 0.614 0.374 3,989,345 2,150,025 $10B-$50B 2,818,841 2,138,917 1,170,504 11,108 0 Capital One Financial Corporation VA 3 0.491 0.075 11,733,188 646,066 >$50B 4,701,228 620,949 7,031,960 25,117 0.11 Wintrust Financial Corporation IL 4 0.462 0.212 2,408,240 103,955 $10B-$50B 822,671 96,779 1,585,569 7,176 0 Zions Bancorporation UT 5 0.322 0.147 7,826,042 64,644 >$50B 876,527 41,770 6,949,515 22,874 0 BB&T Corporation NC 6 0.332 0.075 11,092,372 298,921 >$50B 2,089,004 254,820 9,003,368 44,101 0 First Citizens Bancshares Inc. NC 7 0.572 0.175 2,554,098 30,827 $10B-$50B 361,231 22,389 2,192,867 8,438 0.01 Regions Financial Corporation AL 8 0.279 0.075 9,867,578 89,529 >$50B 2,182,270 61,073 7,685,308 28,456 0 Synovus Financial Corp. GA 9 0.334 0.119 4,235,320 33,481 $10B-$50B 534,110 18,598 3,701,210 14,883 0.01 Fulton Financial Corporation PA 10 0.400 0.132 2,275,184 20,099 $10B-$50B 214,475 10,616 2,060,709 9,483 0 Compass Bk AL 11 0.317 0.070 4,576,341 79,554 >$50B 759,455 65,400 3,816,886 14,154 0.01 Bancorpsouth Inc. MS 12 0.448 0.138 1,836,691 18,544 $10B-$50B 260,708 11,662 1,575,983 6,882 0.01 Manufacturers & Traders NY 13 0.247 0.085 5,914,609 64,560 >$50B 1,553,646 48,499 4,360,963 16,061 0 Webster Financial Corporation CT 14 0.353 0.100 1,732,709 33,101 $10B-$50B 394,852 25,684 1,337,857 7,417 0 People's United Bank CT 14 0.304 0.127 2,379,917 22,101 $10B-$50B 221,028 13,205 2,158,889 8,896 0 Huntington Bancshares Incorporated OH 16 0.301 0.084 4,267,247 35,498 >$50B 649,747 20,468 3,617,500 15,030 0 South Financial Group Inc. SC 16 0.360 0.145 1,824,191 11,998 $10B-$50B 190,760 6,170 1,633,431 5,828 0 Popular Inc. PR 18 0.318 0.096 3,304,959 26,994 $10B-$50B 300,270 14,390 3,004,689 12,604 0.03 U.S. Bancorp MN 19 0.222 0.049 12,889,024 747,936 >$50B 4,227,909 709,990 8,661,115 37,946 0.06 Bank Of America Corporation NC 20 0.240 0.028 46,426,003 3,598,923 >$50B 15,175,690 3,478,641 31,250,313 120,282 0.04 JPMorgan Chase & Co. NY 21 0.232 0.022 26,359,181 3,238,889 >$50B 15,916,230 3,186,532 10,442,951 52,357 0.04 Suntrust Banks Inc. GA 22 0.220 0.052 8,840,313 86,535 >$50B 1,841,990 60,535 6,998,323 26,000 0 Valley National Bancorp NJ 23 0.362 0.123 1,731,686 5,945 $10B-$50B 181,909 2,129 1,549,777 3,816 0 PNC Financial Services Group Inc. PA 24 0.191 0.046 12,783,676 421,361 >$50B 2,407,040 377,871 10,376,636 43,490 0.01 Lauritzen Corporation NE 24 0.290 0.075 1,268,833 70,038 $10B-$50B 435,327 65,536 833,506 4,502 0.06 Wells Fargo & Company CA 26 0.186 0.038 43,282,463 698,700 >$50B 10,540,242 577,370 32,742,221 121,330 0.02 Citizens Republic Bancorp Inc. MI 26 0.334 0.109 1,319,951 10,167 $10B-$50B 148,679 5,819 1,171,272 4,348 0 Arvest Bank Group Inc. AR 28 0.393 0.108 1,158,867 11,650 $10B-$50B 191,226 7,694 967,641 3,956 0.01 Fifth Third Bancorp OH 29 0.189 0.052 6,409,548 89,481 >$50B 850,834 67,801 5,558,714 21,680 0.02 GMAC Inc. MI 30 0.477 0.034 1,456,766 59,894 $10B-$50B 1,353,178 59,671 103,588 223 0 Citigroup Inc. NY 31 0.218 0.014 10,053,614 2,274,365 >$50B 6,253,946 2,263,736 3,799,668 10,629 0.05 Cullen/Frost Bankers Inc. TX 32 0.290 0.103 1,635,732 13,629 $10B-$50B 182,089 6,936 1,453,643 6,693 0 Sterling Financial Corporation WA 32 0.371 0.104 1,287,856 6,049 $10B-$50B 90,938 2,612 1,196,918 3,437 0 RBC Bk USA NC 34 0.297 0.073 2,183,641 14,221 $10B-$50B 194,104 6,570 1,989,537 7,651 0.01 Marshall & Ilsley Corporation WI 35 0.198 0.073 4,368,137 24,864 >$50B 362,312 10,754 4,005,825 14,110 0 Colonial Bancgroup Inc. AL 36 0.341 0.068 1,719,424 9,991 $10B-$50B 140,408 5,258 1,579,016 4,733 0 TD Bk NA DE 37 0.214 0.040 5,312,753 51,163 >$50B 666,133 31,243 4,646,620 19,920 0 Bank of The West CA 38 0.228 0.049 3,661,832 36,030 >$50B 598,040 25,801 3,063,792 10,229 0.01 Table 1A. Small Business Lending Institutions in the United States Using Call Report Data, June 2009

Micro Business Lending Small Business Lending Small Business Lending (<1M) (<100k) (<100k-<1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank LSBL/TBL LSBL/TA LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Sovereign Bank PA 39 0.189 0.054 4,092,561 40,832 >$50B 933,317 27,933 3,159,244 12,899 0 Discover Financial Services IL 40 1.000 0.012 450,969 173,944 $10B-$50B 450,969 173,944 - - 0.68 First Horizon National Corporation TN 41 0.257 0.059 1,678,682 24,840 $10B-$50B 241,704 18,382 1,436,978 6,458 0.01 Whitney Holding Corporation LA 41 0.247 0.108 1,295,842 9,896 $10B-$50B 134,388 5,273 1,161,454 4,623 0 Firstmerit Corporation OH 43 0.316 0.099 1,061,366 6,419 $10B-$50B 81,684 2,769 979,682 3,650 0.01 East West Bancorp Inc. CA 44 0.271 0.105 1,322,215 4,074 $10B-$50B 50,464 1,042 1,271,751 3,032 0 Keycorp OH 45 0.152 0.047 4,363,529 57,086 >$50B 905,389 40,715 3,458,140 16,371 0 Harris NA IL 46 0.277 0.040 1,667,350 27,846 $10B-$50B 183,078 22,334 1,484,272 5,512 0 RBS Citizens NA RI 47 0.164 0.030 4,593,813 64,519 >$50B 1,134,779 50,845 3,459,034 13,674 0.01 Susquehanna Bancshares Inc. PA 48 0.254 0.087 1,187,312 10,297 $10B-$50B 121,754 5,447 1,065,558 4,850 0 Associated Banc-Corp WI 49 0.239 0.066 1,550,914 17,687 $10B-$50B 137,611 8,723 1,413,303 8,964 0 First Banks Inc. MO 50 0.196 0.093 963,878 40,192 $10B-$50B 197,451 36,768 766,427 3,424 0 TCF Financial Corporation MN 51 0.299 0.061 1,067,112 15,076 $10B-$50B 185,818 8,974 881,294 6,102 0 Barclays Bk DE DE 52 1.000 0.017 222,202 41,854 $10B-$50B 220,974 41,849 1,228 5 0.78 UCBH Holdings Inc. CA 53 0.297 0.094 1,081,324 3,501 $10B-$50B 51,521 1,182 1,029,803 2,319 0 First Niagara Bank NY 54 0.271 0.063 722,877 19,921 $10B-$50B 198,131 17,662 524,746 2,259 0 Privatebancorp Inc. IL 55 0.218 0.122 1,275,563 2,425 $10B-$50B 413,441 644 862,122 1,781 0 Commerce Bancshares Inc. MO 56 0.248 0.063 1,096,178 10,287 $10B-$50B 136,441 5,857 959,737 4,430 0.04 GE Money Bank UT 57 1.000 0.003 55,488 54,227 $10B-$50B 55,488 54,227 - - 0.67 Comerica Incorporated TX 58 0.101 0.051 3,198,464 17,953 >$50B 227,694 7,841 2,970,770 10,112 0 W Holding Company Inc. PR 59 0.187 0.073 1,052,322 4,997 $10B-$50B 63,112 1,699 989,210 3,298 0 BOK Financial Corporation OK 60 0.174 0.050 1,230,658 6,698 $10B-$50B 129,219 3,629 1,101,439 3,069 0 UMB Financial Corporation MO 60 0.215 0.061 612,076 4,870 $10B-$50B 70,857 2,812 541,219 2,058 0.02 Union Bk NA CA 62 0.077 0.022 1,720,492 17,554 >$50B 378,096 12,333 1,342,396 5,221 0 UBS Bk USA UT 63 0.186 0.038 1,308,115 4,716 $10B-$50B 63,596 1,468 1,244,519 3,248 0 Washington FS & LA WA 64 0.612 0.014 172,738 1,059 $10B-$50B 47,430 610 125,308 449 0 Cathay General Bancorp CA 65 0.150 0.067 749,585 3,205 $10B-$50B 41,500 1,123 708,085 2,082 0 International Bancshares Corporation TX 66 0.210 0.045 501,855 4,245 $10B-$50B 66,235 2,454 435,620 1,791 0 Bank of Hawaii Corporation HI 67 0.220 0.026 303,891 5,061 $10B-$50B 114,536 4,301 189,355 760 0 HSBC Bk USA NA VA 68 0.049 0.007 1,046,325 50,670 >$50B 494,776 48,241 551,549 2,429 0.18 FBOP Corporation IL 68 0.159 0.047 860,001 3,696 $10B-$50B 84,794 1,339 775,207 2,357 0 Hudson City Savings Bank NJ 70 1.000 0.001 64,318 130 >$50B 629 27 63,689 103 0 City National Corporation CA 71 0.104 0.036 630,417 3,547 $10B-$50B 138,678 1,453 491,739 2,094 0 Astoria FS & LA NY 72 0.265 0.011 240,553 898 $10B-$50B 8,355 368 232,198 530 0 First Bancorp PR 73 0.112 0.029 548,627 2,306 $10B-$50B 24,624 505 524,003 1,801 0 Guaranty Bank TX 74 0.069 0.021 279,872 7,611 $10B-$50B 122,788 6,873 157,084 738 0 State Farm Bank, FSB IL 75 0.181 0.017 276,834 1,730 $10B-$50B 32,318 944 244,516 786 0.09 Merrill Lynch Bank & Trust NY 76 0.110 0.013 471,300 1,925 $10B-$50B 28,638 680 442,662 1,245 0 Table 1A. Small Business Lending Institutions in the United States Using Call Report Data, June 2009

Micro Business Lending Small Business Lending Small Business Lending (<1M) (<100k) (<100k-<1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank LSBL/TBL LSBL/TA LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

New York Community Bancorp Inc. NY 77 0.086 0.014 467,388 1,775 $10B-$50B 14,448 523 452,940 1,252 0 American Express Company NY 77 1.000 0.000 124 81 $10B-$50B 124 81 - - 0.55 USAA Federal Savings Bank TX 77 1.000 0.000 1,018 4 $10B-$50B - - 1,018 4 0.18 Flagstar Bank, FSB MI 80 0.172 0.014 232,303 654 $10B-$50B 5,683 167 226,620 487 0 Northern Trust Corporation IL 81 0.049 0.008 486,638 3,007 >$50B 75,505 1,132 411,133 1,875 0 Midfirst Bank OK 82 0.068 0.016 234,026 1,308 $10B-$50B 12,839 489 221,187 819 0 Bankunited FL 83 0.189 0.005 53,540 127 $10B-$50B 130 2 53,410 125 0 New York Private Bank & Trust Corporation NY 84 0.097 0.011 180,259 540 $10B-$50B 1,393 18 178,866 522 0 Bank of New York MellonCorporation NY 85 0.091 0.002 229,562 1,406 >$50B 20,149 570 209,413 836 0 Chevy Chase Bank, F.S.B. VA 86 0.024 0.005 94,707 481 $10B-$50B 21,612 256 73,095 225 0 Amtrust Bank OH 87 0.045 0.000 3,380 30 $10B-$50B 452 19 2,928 11 0 Morgan Stanley NY 88 0.001 0.000 8,753 22 >$50B 192 9 8,561 13 0 Third FS & LA OH 88 0.103 0.000 200 1 $10B-$50B - - 200 1 0 Goldman Sachs Group Inc. NY 90 0.001 0.000 2,000 3 >$50B - - 2,000 3 0 Metlife Inc. NY 91 0.001 0.000 1,445 2 $10B-$50B - - 1,445 2 0 State Street Corporation MA 92 0.001 0.000 892 1 >$50B - - 892 1 0 Deutsche Bk TC Americas NY 93 0.000 0.000 1,000 5 $10B-$50B - 2 1,000 3 0 Charles Schwab Bank NV NR 0.000 - - - $10B-$50B - - - - 0 Citicorp Trust Bank, FSB DE NR 0.000 - - - $10B-$50B - - - - 0.17 Onewest Bank, FSB CA NR 0.000 - - - $10B-$50B - - - - 0 Ing Bank, FSB DE NR 0.000 - - - >$50B - - - - 0 Wachovia Mortgage, FSB NV NR 0.000 - - - >$50B - - - - 0 E*Trade Bank VA NR 0.000 - - - $10B-$50B - - - - 0 Wachovia Bank, FSB TX NR 0.000 - - - $10B-$50B - - - - 0 Capmark Bk UT NR 0.000 - - - $10B-$50B - - - - 0

Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2009

Small Business Lending Small Business Lending Micro Business Lending (<100k) (<1M) (100k-<$1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

American Express Bank, FSB UT 1 0.476 1.000 14,163,061 2,134,945 $10B-$50B 14,163,061 2,134,945 - - 0.2 GE Cap FNCL UT 2 0.264 0.434 2,818,841 2,138,917 $10B-$50B 3,989,345 2,150,025 1,170,504 11,108 0 Capital One Financial Corporation VA 3 0.030 0.197 4,701,228 620,949 >$50B 11,733,188 646,066 7,031,960 25,117 0.11 JPMorgan Chase & Co. NY 4 0.013 0.140 15,916,230 3,186,532 >$50B 26,359,181 3,238,889 10,442,951 52,357 0.04 GMAC Inc. MI 5 0.032 0.443 1,353,178 59,671 $10B-$50B 1,456,766 59,894 103,588 223 0 Wintrust Financial Corporation IL 6 0.072 0.158 822,671 96,779 $10B-$50B 2,408,240 103,955 1,585,569 7,176 0 U.S. Bancorp MN 7 0.016 0.073 4,227,909 709,990 >$50B 12,889,024 747,936 8,661,115 37,946 0.06 Bank of America Corporation NC 8 0.009 0.078 15,175,690 3,478,641 >$50B 46,426,003 3,598,923 31,250,313 120,282 0.04 Citigroup Inc. NY 8 0.009 0.136 6,253,946 2,263,736 >$50B 10,053,614 2,274,365 3,799,668 10,629 0.05 Lauritzen Corporation NE 10 0.026 0.099 435,327 65,536 $10B-$50B 1,268,833 70,038 833,506 4,502 0.06 Discover Financial Services IL 11 0.012 1.000 450,969 173,944 $10B-$50B 450,969 173,944 - - 0.68 Regions FiNAncial Corporation AL 12 0.017 0.062 2,182,270 61,073 >$50B 9,867,578 89,529 7,685,308 28,456 0 Manufacturers & Traders TC NY 12 0.022 0.065 1,553,646 48,499 >$50B 5,914,609 64,560 4,360,963 16,061 0 BB&T Corporation NC 14 0.014 0.063 2,089,004 254,820 >$50B 11,092,372 298,921 9,003,368 44,101 0 Wells Fargo & Company CA 15 0.009 0.045 10,540,242 577,370 >$50B 43,282,463 698,700 32,742,221 121,330 0.02 Barclays Bk DE DE 16 0.017 0.994 220,974 41,849 $10B-$50B 222,202 41,854 1,228 5 0.78 Webster Financial Corporation CT 17 0.023 0.080 394,852 25,684 $10B-$50B 1,732,709 33,101 1,337,857 7,417 0 Compass Bk AL 18 0.012 0.053 759,455 65,400 >$50B 4,576,341 79,554 3,816,886 14,154 0.01 First Citizens Bancshares Inc. NC 18 0.025 0.081 361,231 22,389 $10B-$50B 2,554,098 30,827 2,192,867 8,438 0.01 SunTrust Banks Inc. GA 20 0.011 0.046 1,841,990 60,535 >$50B 8,840,313 86,535 6,998,323 26,000 0 PNC Financial Services Group Inc. The PA 21 0.009 0.036 2,407,040 377,871 >$50B 12,783,676 421,361 10,376,636 43,490 0.01 Zions Bancorporation UT 22 0.017 0.036 876,527 41,770 >$50B 7,826,042 64,644 6,949,515 22,874 0 Sovereign Bank PA 23 0.012 0.043 933,317 27,933 >$50B 4,092,561 40,832 3,159,244 12,899 0 Huntington Bancshares Incorporated OH 24 0.013 0.046 649,747 20,468 >$50B 4,267,247 35,498 3,617,500 15,030 0 First Niagara Bank NY 25 0.017 0.074 198,131 17,662 $10B-$50B 722,877 19,921 524,746 2,259 0 Bancorpsouth Inc. MS 25 0.020 0.064 260,708 11,662 $10B-$50B 1,836,691 18,544 1,575,983 6,882 0.01 Synovus Financial Corp. GA 27 0.015 0.042 534,110 18,598 $10B-$50B 4,235,320 33,481 3,701,210 14,883 0.01 First Banks Inc. MO 28 0.019 0.040 197,451 36,768 $10B-$50B 963,878 40,192 766,427 3,424 0 RBS Citizens NA RI 29 0.007 0.040 1,134,779 50,845 >$50B 4,593,813 64,519 3,459,034 13,674 0.01 Keycorp OH 30 0.010 0.032 905,389 40,715 >$50B 4,363,529 57,086 3,458,140 16,371 0 Arvest Bank Group Inc. AR 31 0.018 0.065 191,226 7,694 $10B-$50B 1,158,867 11,650 967,641 3,956 0.01 Privatebancorp Inc. IL 32 0.039 0.071 413,441 644 $10B-$50B 1,275,563 2,425 862,122 1,781 0 Bank of The West CA 33 0.008 0.037 598,040 25,801 >$50B 3,661,832 36,030 3,063,792 10,229 0.01 Fifth Third Bancorp OH 34 0.007 0.025 850,834 67,801 >$50B 6,409,548 89,481 5,558,714 21,680 0.02 Fulton Financial Corporation PA 35 0.012 0.038 214,475 10,616 $10B-$50B 2,275,184 20,099 2,060,709 9,483 0 TCF Financial Corporation MN 36 0.011 0.052 185,818 8,974 $10B-$50B 1,067,112 15,076 881,294 6,102 0 South Financial Group Inc. The SC 37 0.015 0.038 190,760 6,170 $10B-$50B 1,824,191 11,998 1,633,431 5,828 0 People's United Bank CT 38 0.012 0.028 221,028 13,205 $10B-$50B 2,379,917 22,101 2,158,889 8,896 0 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2009

Small Business Lending Small Business Lending Micro Business Lending (<100k) (<1M) (100k-<$1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

First Horizon National Corporation TN 39 0.008 0.037 241,704 18,382 $10B-$50B 1,678,682 24,840 1,436,978 6,458 0.01 Popular Inc. PR 40 0.009 0.029 300,270 14,390 $10B-$50B 3,304,959 26,994 3,004,689 12,604 0.03 GE Money Bank UT 41 0.003 1.000 55,488 54,227 $10B-$50B 55,488 54,227 - - 0.67 TD Bk NA DE 42 0.005 0.027 666,133 31,243 >$50B 5,312,753 51,163 4,646,620 19,920 0 Citizens Republic Bancorp Inc. MI 43 0.012 0.038 148,679 5,819 $10B-$50B 1,319,951 10,167 1,171,272 4,348 0 Bank of Hawaii Corporation HI 44 0.010 0.083 114,536 4,301 $10B-$50B 303,891 5,061 189,355 760 0 Valley National Bancorp NJ 45 0.013 0.038 181,909 2,129 $10B-$50B 1,731,686 5,945 1,549,777 3,816 0 Cullen/Frost Bankers Inc. TX 46 0.011 0.032 182,089 6,936 $10B-$50B 1,635,732 13,629 1,453,643 6,693 0 HSBC Bk USA NA VA 47 0.003 0.023 494,776 48,241 >$50B 1,046,325 50,670 551,549 2,429 0.18 Harris NA IL 48 0.004 0.030 183,078 22,334 $10B-$50B 1,667,350 27,846 1,484,272 5,512 0 Guaranty Bank TX 49 0.009 0.030 122,788 6,873 $10B-$50B 279,872 7,611 157,084 738 0 Marshall & Ilsley Corporation WI 50 0.006 0.016 362,312 10,754 >$50B 4,368,137 24,864 4,005,825 14,110 0 Union Bk NA CA 51 0.005 0.017 378,096 12,333 >$50B 1,720,492 17,554 1,342,396 5,221 0 Whitney Holding Corporation LA 51 0.011 0.026 134,388 5,273 $10B-$50B 1,295,842 9,896 1,161,454 4,623 0 Commerce Bancshares Inc. MO 53 0.008 0.031 136,441 5,857 $10B-$50B 1,096,178 10,287 959,737 4,430 0.04 RBCBk USA NC 54 0.006 0.026 194,104 6,570 $10B-$50B 2,183,641 14,221 1,989,537 7,651 0.01 SusquehannaBancshares Inc. PA 55 0.009 0.026 121,754 5,447 $10B-$50B 1,187,312 10,297 1,065,558 4,850 0 Colonial Bancgroup Inc. The AL 56 0.006 0.028 140,408 5,258 $10B-$50B 1,719,424 9,991 1,579,016 4,733 0 Associated Banc-Corp WI 57 0.006 0.021 137,611 8,723 $10B-$50B 1,550,914 17,687 1,413,303 8,964 0 Washington FS & LA WA 58 0.004 0.168 47,430 610 $10B-$50B 172,738 1,059 125,308 449 0 Comerica Incorporated TX 59 0.004 0.007 227,694 7,841 >$50B 3,198,464 17,953 2,970,770 10,112 0 City National Corporation CA 59 0.008 0.023 138,678 1,453 $10B-$50B 630,417 3,547 491,739 2,094 0 Sterling Financial Corporation WA 61 0.007 0.026 90,938 2,612 $10B-$50B 1,287,856 6,049 1,196,918 3,437 0 Firstmerit Corporation OH 62 0.008 0.024 81,684 2,769 $10B-$50B 1,061,366 6,419 979,682 3,650 0.01 UMB Financial Corporation MO 63 0.007 0.025 70,857 2,812 $10B-$50B 612,076 4,870 541,219 2,058 0.02 International Bancshares Corporation TX 63 0.006 0.028 66,235 2,454 $10B-$50B 501,855 4,245 435,620 1,791 0 BOK Financial Corporation OK 65 0.005 0.018 129,219 3,629 $10B-$50B 1,230,658 6,698 1,101,439 3,069 0 FBOP Corporation IL 66 0.005 0.016 84,794 1,339 $10B-$50B 860,001 3,696 775,207 2,357 0 W Holding Company Inc. PR 67 0.004 0.011 63,112 1,699 $10B-$50B 1,052,322 4,997 989,210 3,298 0 UCBH Holdings Inc. CA 68 0.004 0.014 51,521 1,182 $10B-$50B 1,081,324 3,501 1,029,803 2,319 0 American Express Company NY 69 0.000 1.000 124 81 $10B-$50B 124 81 - - 0.55 East West Bancorp Inc. CA 70 0.004 0.010 50,464 1,042 $10B-$50B 1,322,215 4,074 1,271,751 3,032 0 UBS Bk USA UT 71 0.002 0.009 63,596 1,468 $10B-$50B 1,308,115 4,716 1,244,519 3,248 0 Cathay General Bancorp CA 72 0.004 0.008 41,500 1,123 $10B-$50B 749,585 3,205 708,085 2,082 0 State Farm Bank, FSB IL 72 0.002 0.021 32,318 944 $10B-$50B 276,834 1,730 244,516 786 0.09 Northern Trust Corporation IL 74 0.001 0.008 75,505 1,132 >$50B 486,638 3,007 411,133 1,875 0 Merrill Lynch Bank & Trust NY 75 0.001 0.007 28,638 680 $10B-$50B 471,300 1,925 442,662 1,245 0 First Bancorp PR 76 0.001 0.005 24,624 505 $10B-$50B 548,627 2,306 524,003 1,801 0 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2009

Small Business Lending Small Business Lending Micro Business Lending (<100k) (<1M) (100k-<$1M) HQ State or Total Institution LSBL(2) Name of Lending Institution Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# $(1,000) LSBL(2)# CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Chevy Chase Bank, F.S.B. VA 77 0.001 0.005 21,612 256 $10B-$50B 94,707 481 73,095 225 0 Midfirst Bank OK 78 0.001 0.004 12,839 489 $10B-$50B 234,026 1,308 221,187 819 0 Bank of New York Mellon Corporation NY 79 0.000 0.008 20,149 570 >$50B 229,562 1,406 209,413 836 0 Astoria FS & LA NY 80 0.000 0.009 8,355 368 $10B-$50B 240,553 898 232,198 530 0 Hudson City Savings Bank NJ 81 0.000 0.010 629 27 >$50B 64,318 130 63,689 103 0 New York Community Bancorp Inc. NY 82 0.000 0.003 14,448 523 $10B-$50B 467,388 1,775 452,940 1,252 0 Flagstar Bank, FSB MI 83 0.000 0.004 5,683 167 $10B-$50B 232,303 654 226,620 487 0 Amtrust Bank OH 84 0.000 0.006 452 19 $10B-$50B 3,380 30 2,928 11 0 New York Private Bank & Trust Corporation NY 85 0.000 0.001 1,393 18 $10B-$50B 180,259 540 178,866 522 0 Morgan Stanley NY 86 0.000 0.000 192 9 >$50B 8,753 22 8,561 13 0 Bankunited FL 87 0.000 0.000 130 2 $10B-$50B 53,540 127 53,410 125 0 Deutsche Bk TC Americas NY 88 - - - 2 $10B-$50B 1,000 5 1,000 3 0 Goldman Sachs Group Inc. NY NR - - - - >$50B 2,000 3 2,000 3 0 State Street Corporation MA NR - - - - >$50B 892 1 892 1 0 ING Bank, FSB DE NR - - - - >$50B - - - - 0 Wachovia Mortgage, FSB NV NR - - - - >$50B - - - - 0 E*Trade Bank VA NR - - - - $10B-$50B - - - - 0 USAA Federal Savings Bank TX NR - - - - $10B-$50B 1,018 4 1,018 4 0.18 Wachovia Bank, FSB TX NR - - - - $10B-$50B - - - - 0 Metlife Inc. NY NR - - - - $10B-$50B 1,445 2 1,445 2 0 Capmark Bk UT NR - - - - $10B-$50B - - - - 0 Third FS & LA OH NR - - - - $10B-$50B 200 1 200 1 0 Charles Schwab Bank NV NR - - - - $10B-$50B - - - - 0 Citicorp Trust Bank, FSB DE NR - - - - $10B-$50B - - - - 0.17 Onewest Bank, FSB CA NR - - - - $10B-$50B - - - - 0 Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. Table 2A. Small Business Lending of Large Lending Institutions in the United States Using CRA data, 2008

Small Business Lending (<$1M) Micro Business Lending (<$100k) HQ State No. of States and or Total Territories Institution Name of Lending Institution Territory Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL # w/Loans Asset Size SSBL$ (1,000) SSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9)

American Express Bank FSB UT 1 0.476 0.774 23,263,657 2,819,893 56 $10B-$50B 21,268,138 2,810,751 GE Capital Financial Inc. UT 2 0.374 0.520 5,523,090 497,987 52 $1B-$10B 3,782,274 491,463 Zions Bancorporation UT 3 0.147 0.188 3,480,928 30,168 46 >$50B 737,708 23,262 First Citizens Bancshares Inc NC 4 0.175 0.270 1,410,389 14,457 27 $10B-$50B 333,843 11,257 Synovus Financial Corp. GA 5 0.119 0.152 3,190,970 20,615 41 $10B-$50B 490,503 12,773 Capital One Financial Corporation VA 6 0.075 0.127 6,431,534 845,995 52 >$50B 4,650,027 841,260 BB&TCorporation NC 7 0.075 0.114 7,038,646 40,661 42 >$50B 1,061,643 24,045 Regions Financial Corporation AL 8 0.075 0.107 6,854,491 59,666 46 >$50B 1,994,338 45,762 Popular Inc. PR 8 0.096 0.151 1,873,633 21,614 45 $10B-$50B 598,697 17,667 Fulton Financial Corporation PA 8 0.132 0.185 1,191,893 6,646 18 $10B-$50B 176,857 3,908 Bancorpsouth Inc. MS 11 0.138 0.186 992,426 9,183 24 $10B-$50B 202,995 6,697 Cullen/Frost Bankers Inc. TX 12 0.103 0.189 1,252,419 6,265 19 $10B-$50B 167,828 3,441 South Financial Group Inc. SC 12 0.145 0.195 891,525 5,921 29 $10B-$50B 136,704 3,728 Arvest Bank Group Inc. AR 14 0.108 0.152 972,683 10,147 30 $1B-$10B 226,277 7,728 Whitney Holding Corporation LA 15 0.108 0.146 1,271,124 6,513 31 $10B-$50B 157,621 3,453 Huntington Bancshares Incorp. OH 16 0.084 0.110 1,873,672 18,924 34 >$50B 570,372 15,521 Lauritzen Corporation NE 17 0.075 0.115 1,073,246 33,939 51 $10B-$50B 338,217 31,900 Wintrust Financial Corporation IL 18 0.212 0.285 696,808 2,948 28 $1B-$10B 70,405 1,338 Manufacturers & Traders Trust NY 19 0.085 0.112 2,135,194 9,968 26 >$50B 245,774 5,151 U.S. Bancorp MN 20 0.049 0.068 7,288,405 241,034 52 >$50B 2,744,857 229,231 Marshall & Ilsley Corporation WI 21 0.073 0.093 3,839,308 16,922 41 >$50B 349,827 8,147 Citizens Republic Bancorp Inc MI 22 0.109 0.155 745,051 4,060 23 $10B-$50B 107,981 2,320 PNC Financial Services Group PA 23 0.046 0.076 7,036,693 75,071 48 >$50B 2,324,821 61,972 Valley National Bancorp NJ 24 0.123 0.180 579,565 3,857 9 $10B-$50B 126,994 2,797 Wells Fargo & Company CA 25 0.038 0.057 41,810,641 872,826 52 >$50B 21,775,123 811,943 Suntrust Banks Inc. GA 26 0.052 0.068 4,801,125 41,751 51 >$50B 780,687 31,083 Fifth Third Bancorp OH 26 0.052 0.075 4,312,575 34,192 37 >$50B 581,761 24,647 Compass Bank AL 28 0.070 0.109 1,074,564 17,140 27 >$50B 534,651 15,375 Susquehanna Bancshares Inc. PA 29 0.087 0.120 899,860 6,299 25 $10B-$50B 168,396 4,124 Bank of America Corporation NC 30 0.028 0.053 15,044,225 745,768 55 >$50B 5,696,985 721,503 JPMorgan Chase & Co. NY 31 0.022 0.043 23,046,924 1,903,593 51 >$50B 18,647,209 1,892,984 Td Bank N.A ME 32 0.040 0.097 2,427,133 17,515 29 >$50B 551,472 12,411 Sterling Financial Corporation WA 33 0.104 0.145 634,132 3,245 16 $10B-$50B 71,715 1,832 First Banks Inc. MO 34 0.093 0.118 705,285 3,735 38 $10B-$50B 85,359 2,057 Citigroup Inc. NY 35 0.014 0.028 7,284,764 1,047,657 56 >$50B 6,146,970 1,043,756 Bank of The West CA 35 0.049 0.068 2,178,026 17,220 47 >$50B 418,680 13,008 Commerce Bancshares Inc. MO 37 0.063 0.099 1,003,669 8,058 49 $10B-$50B 171,752 5,665 Table 2A. Small Business Lending of Large Lending Institutions in the United States Using CRA data, 2008

Small Business Lending (<$1M) Micro Business Lending (<$100k) HQ State No. of States and or Total Territories Institution Name of Lending Institution Territory Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL # w/Loans Asset Size SSBL$ (1,000) SSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9)

Associated Banc-Corp WI 38 0.066 0.100 1,133,093 5,928 30 $10B-$50B 116,700 3,371 Comerica Incorporated TX 39 0.051 0.070 2,567,795 7,958 40 >$50B 130,569 2,225 UCBH Holdings Inc. CA 40 0.094 0.154 479,943 1,233 15 $10B-$50B 20,814 331 Webster Financial Corporation CT 41 0.100 0.148 326,609 2,263 8 $10B-$50B 79,822 1,577 FirstMerit Corporation OH 42 0.099 0.148 360,515 1,537 20 $10B-$50B 34,375 688 PrivateBancorp Inc. IL 43 0.122 0.153 231,518 698 10 $1B-$10B 12,401 194 UMB Financial Corporation MO 44 0.061 0.140 609,395 5,010 37 $1B-$10B 89,217 3,634 People S United Bank CT 45 0.127 0.166 144,827 536 9 $10B-$50B 7,200 255 RBC Bank NC 46 0.073 0.103 646,182 4,339 24 $10B-$50B 95,932 2,843 Keycorp OH 47 0.047 0.062 1,441,492 7,712 37 >$50B 184,825 4,606 First Horizon National Corp. TN 47 0.059 0.084 997,956 5,480 25 $10B-$50B 147,938 3,074 East West Bancorp Inc. CA 47 0.105 0.157 174,119 483 5 $10B-$50B 8,252 114 Union Bank N.A CA 50 0.022 0.034 1,605,687 21,621 17 >$50B 713,261 18,726 Harris N.A. IL 51 0.040 0.067 1,036,332 11,120 37 $10B-$50B 134,700 8,668 Sovereign Bank PA 52 0.054 0.079 728,209 5,683 40 >$50B 231,479 4,358 First Niagara Bank NY 52 0.063 0.113 375,308 3,047 10 $1B-$10B 74,264 2,139 The Colonial Bancgroup Inc. AL 54 0.068 0.103 506,632 2,985 23 $10B-$50B 87,717 1,788 BOK Financial Corporation OK 55 0.050 0.099 859,517 3,246 32 $10B-$50B 71,494 1,308 HSBC Bank USA NA NY 56 0.007 0.012 2,310,567 29,901 36 >$50B 1,075,066 26,284 Cathay General Bancorp CA 57 0.067 0.104 299,974 864 10 $10B-$50B 15,291 289 W Holding Company Inc. PR 58 0.073 0.118 69,085 398 1 $10B-$50B 9,541 232 International Bancshares Corp. TX 59 0.045 0.089 328,607 2,595 11 $10B-$50B 65,670 1,791 FBOP Corporation IL 60 0.047 0.062 653,561 2,248 42 $10B-$50B 33,018 694 City National Corporation CA 61 0.036 0.051 785,641 2,891 25 $10B-$50B 66,143 1,202 TCF Financial Corporation MN 62 0.061 0.076 176,623 789 11 $10B-$50B 14,796 472 State Farm Bank IL 63 0.017 0.023 176,256 5,212 50 $10B-$50B 84,772 4,954 GE Money Bank UT 64 0.003 0.003 173,237 17,729 51 $10B-$50B 110,582 17,628 Bank of Hawaii Corporation HI 65 0.026 0.053 120,828 928 8 $1B-$10B 22,355 713 First Bancorp PR 66 0.029 0.046 117,187 603 2 $10B-$50B 13,389 342 Midfirst Bank OK 67 0.016 0.022 212,945 860 17 $10B-$50B 18,645 383 Northern Trust Corporation IL 68 0.008 0.018 312,017 1,140 19 >$50B 26,674 413 GMAC Inc. MI 69 0.034 0.051 45,400 90 28 . 224 4 Bank of New York Mellon Corp NY 70 0.002 0.010 240,026 868 27 >$50B 23,325 367 Guaranty Bank TX 70 0.021 0.030 77,044 290 17 $10B-$50B 3,841 110 Chevy Chase Bank F.S.B. MD 72 0.005 0.008 153,606 1,265 9 $10B-$50B 29,719 962 New York Community Bancorp NY 73 0.014 0.020 123,630 419 10 $10B-$50B 5,815 134 Merrill Lynch BK&TC. FSB CA 74 0.013 0.017 151,848 452 10 $10B-$50B 7,044 106 Table 2A. Small Business Lending of Large Lending Institutions in the United States Using CRA data, 2008

Small Business Lending (<$1M) Micro Business Lending (<$100k) HQ State No. of States and or Total Territories Institution Name of Lending Institution Territory Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL # w/Loans Asset Size SSBL$ (1,000) SSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9)

Washington Federal Savings WA 75 0.014 0.019 36,303 466 6 $10B-$50B 16,182 395 Flagstar Bank MI 76 0.014 0.021 62,539 252 11 $10B-$50B 5,175 101 Astoria Federal Savings & Loan NY 77 0.011 0.015 27,290 512 1 $10B-$50B 12,260 466 New York Private Bank & Trust NY 78 0.011 0.026 14,083 45 5 $10B-$50B 200 2 Goldman Sachs Group Inc. NY 79 0.000 0.001 2,400 3 2 . - - Hudson City Savings Bank NJ NR 0.001 0.002 . . 0 $10B-$50B . . Deutsche Bank Trust Company NY NR 0.000 0.000 350 1 1 $10B-$50B - - Citicorp Trust Bank FSB NY NR - - . . 0 $10B-$50B . . Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivestment Act reports. Table 2B. Micro Business Lending of Large Institutions in the United States Using CRA data, 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) No. of States and HQ State or Total Territories Institution Name of Holding Company or Bank Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# w/Loans Asset Size LSBL$ (1,000) LSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9) American Express Bank FSB UT 1 0.476 0.774 21,268,138 2,810,751 56 $10B-$50B 23,263,657 2,819,893 GE Capital Financial Inc. UT 2 0.264 0.367 3,782,274 491,463 52 $1B-$10B 5,523,090 497,987 Capital One Financial Corp. VA 3 0.030 0.051 4,650,027 841,260 52 >$50B 6,431,534 845,995 JPMorgan Chase & Co. NY 4 0.013 0.026 18,647,209 1,892,984 51 >$50B 23,046,924 1,903,593 Regions Financial Corporation AL 5 0.017 0.024 1,994,338 45,762 46 >$50B 6,854,491 59,666 Lauritzen Corporation NE 5 0.026 0.039 338,217 31,900 51 $10B-$50B 1,073,246 33,939 U.S. Bancorp MN 7 0.016 0.022 2,744,857 229,231 52 >$50B 7,288,405 241,034 Zions Bancorporation UT 8 0.017 0.021 737,708 23,262 46 >$50B 3,480,928 30,168 BB&T Corporation NC 9 0.014 0.021 1,061,643 24,045 42 >$50B 7,038,646 40,661 First Citizens Bancshares NC 10 0.025 0.038 333,843 11,257 27 $10B-$50B 1,410,389 14,457 Citigroup Inc. NY 11 0.009 0.017 6,146,970 1,043,756 56 >$50B 7,284,764 1,047,657 Bank of America Corporation NC 12 0.009 0.017 5,696,985 721,503 55 >$50B 15,044,225 745,768 Wells Fargo & Company CA 13 0.009 0.014 21,775,123 811,943 52 >$50B 41,810,641 872,826 Manufacturers & Traders Trust NY 14 0.022 0.029 245,774 5,151 26 >$50B 2,135,194 9,968 BancorpSouth Inc. MS 15 0.020 0.026 202,995 6,697 24 $10B-$50B 992,426 9,183 Arvest Bank Group Inc. AR 16 0.018 0.025 226,277 7,728 30 $1B-$10B 972,683 10,147 Synovus Financial Corp. GA 17 0.015 0.019 490,503 12,773 41 $10B-$50B 3,190,970 20,615 Huntington Bancshares Incorp. OH 18 0.013 0.017 570,372 15,521 34 >$50B 1,873,672 18,924 PNC Financial Services Group PA 19 0.009 0.014 2,324,821 61,972 48 >$50B 7,036,693 75,071 Suntrust Banks Inc. GA 20 0.011 0.014 780,687 31,083 51 >$50B 4,801,125 41,751 Compass Bank AL 21 0.012 0.018 534,651 15,375 27 >$50B 1,074,564 17,140 Popular Inc. PR 22 0.009 0.014 598,697 17,667 45 $10B-$50B 1,873,633 21,614 Sovereign Bank PA 23 0.012 0.018 231,479 4,358 40 >$50B 728,209 5,683 Wintrust Financial Corporation IL 24 0.072 0.098 70,405 1,338 28 $1B-$10B 696,808 2,948 South Financial Group Inc. SC 25 0.015 0.020 136,704 3,728 29 $10B-$50B 891,525 5,921 Fulton Financial Corporation PA 26 0.012 0.017 176,857 3,908 18 $10B-$50B 1,191,893 6,646 Webster Financial Corporation CT 27 0.023 0.034 79,822 1,577 8 $10B-$50B 326,609 2,263 Cullen/Frost Bankers Inc. TX 28 0.011 0.021 167,828 3,441 19 $10B-$50B 1,252,419 6,265 First Niagara Bank NY 28 0.017 0.031 74,264 2,139 10 $1B-$10B 375,308 3,047 First Banks Inc. MO 30 0.019 0.024 85,359 2,057 38 $10B-$50B 705,285 3,735 Fifth Third Bancorp OH 31 0.007 0.010 581,761 24,647 37 >$50B 4,312,575 34,192 Valley National Bancorp NJ 31 0.013 0.019 126,994 2,797 9 $10B-$50B 579,565 3,857 Bank Of The West CA 33 0.008 0.011 418,680 13,008 47 >$50B 2,178,026 17,220 Keycorp OH 34 0.010 0.013 184,825 4,606 37 >$50B 1,441,492 7,712 Whitney Holding Corporation LA 35 0.011 0.015 157,621 3,453 31 $10B-$50B 1,271,124 6,513 Table 2B. Micro Business Lending of Large Institutions in the United States Using CRA data, 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) No. of States and HQ State or Total Territories Institution Name of Holding Company or Bank Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# w/Loans Asset Size LSBL$ (1,000) LSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9) Citizens Republic Bancorp I MI 36 0.012 0.017 107,981 2,320 23 $10B-$50B 745,051 4,060 Td Bank N.A ME 37 0.005 0.012 551,472 12,411 29 >$50B 2,427,133 17,515 Union Bank N.A CA 38 0.005 0.008 713,261 18,726 17 >$50B 1,605,687 21,621 Susquehanna Bancshares Inc. PA 39 0.009 0.012 168,396 4,124 25 $10B-$50B 899,860 6,299 Commerce Bancshares Inc. MO 40 0.008 0.012 171,752 5,665 49 $10B-$50B 1,003,669 8,058 PrivateBancorp Inc. IL 41 0.039 0.050 12,401 194 10 $1B-$10B 231,518 698 HSBC Bank USA NA NY 42 0.003 0.006 1,075,066 26,284 36 >$50B 2,310,567 29,901 Marshall & Ilsley Corporation WI 43 0.006 0.008 349,827 8,147 41 >$50B 3,839,308 16,922 UMB Financial Corporation MO 44 0.007 0.016 89,217 3,634 37 $1B-$10B 609,395 5,010 First Horizon National Corp. TN 44 0.008 0.012 147,938 3,074 25 $10B-$50B 997,956 5,480 GMAC Inc. MI 46 0.032 0.048 224 4 28 $10B-$50B 45,400 90 Bank of Hawaii Corporation HI 47 0.010 0.020 22,355 713 8 $1B-$10B 120,828 928 Harris N.A. IL 48 0.004 0.007 134,700 8,668 37 $10B-$50B 1,036,332 11,120 Associated Banc-Corp WI 49 0.006 0.009 116,700 3,371 30 $10B-$50B 1,133,093 5,928 RBC Bank NC 50 0.006 0.009 95,932 2,843 24 $10B-$50B 646,182 4,339 GE Money Bank UT 51 0.003 0.003 110,582 17,628 51 $10B-$50B 173,237 17,729 TCF Financial Corporation MN 51 0.011 0.013 14,796 472 11 $10B-$50B 176,623 789 Sterling Financial Corporation WA 53 0.007 0.010 71,715 1,832 16 $10B-$50B 634,132 3,245 International Bancshares Corp. TX 53 0.006 0.012 65,670 1,791 11 $10B-$50B 328,607 2,595 City National Corporation CA 55 0.008 0.011 66,143 1,202 25 $10B-$50B 785,641 2,891 People S United Bank CT 55 0.012 0.015 7,200 255 9 $10B-$50B 144,827 536 The Colonial Bancgroup Inc. AL 57 0.006 0.008 87,717 1,788 23 $10B-$50B 506,632 2,985 Firstmerit Corporation OH 58 0.008 0.011 34,375 688 20 $10B-$50B 360,515 1,537 Comerica Incorporated TX 59 0.004 0.005 130,569 2,225 40 >$50B 2,567,795 7,958 BOK Financial Corporation OK 60 0.005 0.010 71,494 1,308 32 $10B-$50B 859,517 3,246 State Farm Bank IL 61 0.002 0.003 84,772 4,954 50 $10B-$50B 176,256 5,212 Guaranty Bank TX 62 0.009 0.013 3,841 110 17 $10B-$50B 77,044 290 FBOP Corporation IL 63 0.005 0.006 33,018 694 42 $10B-$50B 653,561 2,248 UCBH Holdings Inc. CA 64 0.004 0.007 20,814 331 15 $10B-$50B 479,943 1,233 Washington Federal Savings WA 65 0.004 0.005 16,182 395 6 $10B-$50B 36,303 466 Chevy Chase Bank F.S.B. MD 66 0.001 0.002 29,719 962 9 $10B-$50B 153,606 1,265 Cathay General Bancorp CA 66 0.004 0.006 15,291 289 10 $10B-$50B 299,974 864 Northern Trust Corporation IL 68 0.001 0.003 26,674 413 19 >$50B 312,017 1,140 W Holding Company Inc. PR 68 0.004 0.007 9,541 232 1 $10B-$50B 69,085 398 East West Bancorp Inc. CA 70 0.004 0.006 8,252 114 5 $10B-$50B 174,119 483 Table 2B. Micro Business Lending of Large Institutions in the United States Using CRA data, 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) No. of States and HQ State or Total Territories Institution Name of Holding Company or Bank Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL# w/Loans Asset Size LSBL$ (1,000) LSBL# (1) (2) (3) (4) (5) (6) (7) (8) (9) MidFirst Bank OK 71 0.001 0.001 18,645 383 17 $10B-$50B 212,945 860 First Bancorp PR 72 0.001 0.002 13,389 342 2 $10B-$50B 117,187 603 Merrill Lynch BK&TC. FSB CA 73 0.001 0.001 7,044 106 10 $10B-$50B 151,848 452 Bank of New York Mellon Corp. NY 74 0.000 0.001 23,325 367 27 >$50B 240,026 868 Astoria Federal Savings & Loan NY 75 0.000 0.001 12,260 466 1 $10B-$50B 27,290 512 New York Community Bancorp NY 76 0.000 0.001 5,815 134 10 $10B-$50B 123,630 419 Flagstar Bank MI 77 0.000 0.001 5,175 101 11 $10B-$50B 62,539 252 New York Private Bank & Trust NY 78 0.000 0.000 200 2 5 $10B-$50B 14,083 45 Hudson City Savings Bank NJ NR 0.000 0.000 . . 0 $10B-$50B . . Citicorp Trust Bank FSB NY NR 0.000 0.000 . . 0 $10B-$50B . . Goldman Sachs Group Inc. NY NR 0.000 0.000 - - 2 >$50B 2,400 3 Deutsche Bank Trust Company NY NR 0.000 0.000 - - 1 $10B-$50B 350 1 Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivestment Act reports. 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Alaska Pacific Bank Juneau AK 82.5 0.296 0.67 55,234 292 $100M-500M 80.0 6180 126 0

First Metro Bk Muscle Shoals AL 100.0 0.307 1 129,598 1,469 $100M-500M 90.0 29822 1164 0 Farmers & MRCH Bk Piedmont AL 95.0 0.276 1 50,650 1,279 $100M-500M 100.0 50650 1279 0 Camden NB Camden AL 87.5 0.343 1 40,880 599 $100M-500M 97.5 40880 599 0 Metro Bk Pell City AL 87.5 0.228 0.79 121,447 1,302 $500M-$1B 77.5 22440 917 0 Southfirst Bank Sylacauga AL 87.5 0.228 1 28,982 235 $100M-500M 92.5 6788 171 0 Security Federal Savings Bank Logansport AL 85.0 0 0 - - <$100M 97.5 31958 335 0 Bank of Vernon Vernon AL 82.5 0.37 0.786 72,878 676 $100M-500M 60.0 8773 356 0 Bk of Tuscaloosa Tuscaloosa AL 82.5 0.267 0.555 143,510 1,354 $500M-$1B 67.5 21979 812 0 CCB CMNTY Bk Andalusia AL 82.5 0.274 0.757 97,376 1,232 $100M-500M 82.5 20826 866 0 CapitalSouth Bk Birmingham AL 77.5 0.232 0.58 136,140 990 $500M-$1B 50.0 11007 498 0 Citizens B&TC Guntersville AL 77.5 0.213 0.783 55,947 689 $100M-500M 72.5 11929 481 0 Citizens Bk of Fayette Fayette AL 77.5 0.231 0.841 44,443 643 $100M-500M 85.0 12768 507 0 Covenant Bk Leeds AL 77.5 0.418 0.994 43,387 399 $100M-500M 77.5 11310 290 0 First S Bk Florence AL 77.5 0.326 1 39,872 355 $100M-500M 55.0 5214 213 0 Merchants Bk of AL Cullman AL 77.5 0.214 0.805 54,353 783 $100M-500M 80.0 12961 609 0 Small Town Bk Wedowee AL 77.5 0.213 0.89 46,647 712 $100M-500M 87.5 14808 552 0 Town-Country NB Camden AL 77.5 0.293 1 24,480 444 <$100M 80.0 8782 361 0 Traders & Farmers Bk Haleyville AL 77.5 0.16 1 56,938 888 $100M-500M 100.0 56938 888 0

Community First Bk Harrison AR 92.5 0.259 0.999 147,401 1,155 $500M-$1B 75.0 18988 783 0 First Security Bk Searcy AR 92.5 0.204 1 591,412 6,720 $1B-$10B 100.0 591412 6720 0 Bank of Salem Salem AR 90.0 0.268 1 33,257 822 $100M-500M 100.0 33257 822 0 First CMNTY Bk Batesville AR 85.0 0.219 0.637 128,632 2,434 $500M-$1B 82.5 28513 2002 0 First Svc Bk Gree NB rier AR 85.0 0.265 0.794 59,075 727 $100M-500M 82.5 16428 577 0 Union B&TC Monticello AR 85.0 0.344 1 65,380 615 $100M-500M 67.5 9155 443 0 Benefit Bank Ft. Smith AR 82.5 0.255 0.592 56,994 345 $100M-500M 82.5 6747 193 0 Commercial B&TC Monticello AR 82.5 0.285 1 42,685 489 $100M-500M 95.0 42685 489 0 First NB &TC Mountain Home AR 82.5 0.202 0.994 79,706 753 $100M-500M 72.5 13376 557 0 Peoples Bk Magnolia AR 82.5 0.314 1 30,091 455 <$100M 77.5 12758 182 0

Amerika Samoa Bk Pago Pago AS 10.0 0.143 1 20,502 167 $100M-500M 10.0 2962 101 0

Commerce Bk of AZ Tucson AZ 85.0 0.332 0.748 67,161 413 $100M-500M 95.0 6368 236 0 Country Bk Prescott AZ 82.5 0.298 0.918 39,943 224 $100M-500M 87.5 3139 86 0 Mission Bk Kingman AZ 82.5 0.48 0.902 39,896 193 <$100M 80.0 2343 62 0 Southern AZ CMNTY Bk Tucson AZ 82.5 0.436 0.712 40,064 194 <$100M 60.0 1407 52 0 Western NB Phoenix AZ 82.5 0.388 0.59 96,825 318 $100M-500M 62.5 2797 64 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

National Bk of CA Los Angeles CA 95.0 0.606 0.997 251,965 598 $100M-500M 67.5 4679 130 0 Canyon NB Palm Springs CA 92.5 0.572 1 157,354 486 $100M-500M 92.5 8794 187 0 Innovative Bk Oakland CA 92.5 0.413 0.54 112,598 20,684 $100M-500M 100.0 43146 20224 0 Community CMRC Bk Claremont CA 90.0 0.359 0.643 142,165 487 $100M-500M 62.5 4161 87 0 Bank of The Sierra Porterville CA 87.5 0.193 0.589 249,491 1,945 $1B-$10B 100.0 33738 1105 0 Borrego Springs Bk NA La Mesa CA 87.5 0.455 0.584 43,748 2,433 <$100M 97.5 11103 2177 0 Community W Bk Na Goleta CA 87.5 0.273 0.583 182,888 949 $500M-$1B 90.0 14752 456 0 Mission Valley Bk Sun Valley CA 87.5 0.352 0.529 91,767 603 $100M-500M 95.0 9907 297 0 California Oaks St Bk ThoUSAnd Oaks CA 85.0 0.463 0.731 58,772 296 $100M-500M 72.5 2460 124 0 Coast NB San Luis Obispo CA 85.0 0.303 0.714 56,614 400 $100M-500M 90.0 5273 178 0 Heritage Oaks Bk Paso Robles CA 85.0 0.253 0.468 221,803 1,198 $500M-$1B 95.0 24169 508 0 North Valley Bk Redding CA 85.0 0.228 0.567 207,514 889 $500M-$1B 87.5 15393 373 0 Pacific City Bk Los Angeles CA 85.0 0.313 0.41 179,723 1,482 $500M-$1B 92.5 15609 745 0 TRI Cty Bk Chico CA 85.0 0.191 0.57 397,912 4,041 $1B-$10B 97.5 50440 2673 0

Timberline Bk Grand Junction CO 92.5 0.312 1 69,384 286 $100M-500M 40.0 2315 65 0 Canon NB Canon City CO 85.0 0.238 0.726 57,583 418 $100M-500M 72.5 5806 209 0 Mountain Valley Bank Walden CO 85.0 0.316 0.723 44,588 414 $100M-500M 90.0 7571 257 0 North Valley Bk Thornton CO 85.0 0.372 0.755 49,419 440 $100M-500M 87.5 6657 294 0 Colorado Mountain Bk Westcliffe CO 82.5 0.374 0.939 30,782 232 <$100M 70.0 3507 128 0 Bank At Broadmoor Colorado Springs CO 80.0 0.258 0.721 42,565 292 $100M-500M 75.0 4848 142 0 Citizens St Bk of Ouray Ouray CO 80.0 0.259 1 20,083 436 <$100M 97.5 20083 436 0 High CNTRY Bk Salida CO 80.0 0.212 0.869 42,049 329 $100M-500M 82.5 6130 181 0 Home St Bk Loveland CO 80.0 0.178 0.542 98,300 1,231 $500M-$1B 77.5 11032 700 0 Montrose Bank Montrose CO 80.0 0.193 0.874 37,085 464 $100M-500M 90.0 7114 312 0 Valley B&TC Brighton CO 80.0 0.231 0.619 56,768 436 $100M-500M 80.0 6453 263 0 Yampa Valley Bk Steamboat Springs CO 80.0 0.232 0.898 35,648 346 $100M-500M 82.5 5747 223 0

New England Bk Enfield CT 82.5 0.241 0.683 162,151 990 $500M-$1B 80.0 13376 423 0 Naugatuck Valley Savings And NA ugatuck CT 77.5 0.147 0.594 78,585 418 $500M-$1B 75.0 6749 198 0 Savings Institute Bank And T Willimantic CT 77.5 0.124 0.482 106,685 547 $500M-$1B 65.0 5267 195 0 Castle BK&TC Meriden CT 75.0 0.526 1 40,166 203 <$100M 52.5 2178 64 0 Connecticut BK & TR Co Hartford CT 75.0 0.345 0.623 83,406 539 $100M-500M 60.0 5221 184 0 Naugatuck SVG Bk NA ugatuck CT 75.0 0.164 0.581 132,011 893 $500M-$1B 77.5 14568 447 0 People S United Bank Bridgeport CT 75.0 0.127 0.304 2,379,917 22,101 >$10B 77.5 221028 13205 0 Windsor FS & LA Windsor CT 75.0 0.138 0.71 47,670 279 $100M-500M 70.0 3413 109 0

National Capital Bk of WA Washington DC 75.0 0.231 0.951 61,339 207 $100M-500M 35.0 1396 75 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

FIA Card Svc NA Wilmington DE 85.0 0.088 0.999 11,460,000 3,368,352 >$10B 97.5 11110000 3359370 1 Chase Bk USA NA Newark DE 80.0 0.066 0.868 6,122,181 1,762,634 >$10B 97.5 6038230 1761158 1 Aurora Bank FSB Wilmington DE 77.5 0.052 0.694 281,352 939 $1B-$10B 67.5 12281 281 0 Wilmington Savings Fund Society Wilmington DE 77.5 0.133 0.336 476,972 1,858 $1B-$10B 80.0 49110 871 0

Bankfirst Winter Park FL 100.0 0.403 1 245,212 1,069 $500M-$1B 92.5 17047 484 0 First Federal Bank of Florid Lake City FL 100.0 0.235 1 148,579 880 $500M-$1B 100.0 148579 880 0 Pilot Bk Tampa FL 97.5 0.424 0.997 107,653 755 $100M-500M 95.0 8918 531 0 Citizens Bk of FL Oviedo FL 95.0 0.516 0.999 116,397 382 $100M-500M 72.5 4273 152 0 Fidelity Bk of FL NA Merritt Island FL 95.0 0.445 0.684 191,811 718 $100M-500M 67.5 6673 124 0 Platinum Bk Brandon FL 95.0 0.318 0.644 123,193 677 $100M-500M 95.0 13964 330 0 Executive NB Miami FL 92.5 0.392 1 112,502 313 $100M-500M 47.5 2245 91 0 Heritage Bk of Fl Lutz FL 92.5 0.397 0.778 101,492 618 $100M-500M 97.5 11951 339 0 Coastal Bank Merritt Island FL 90.0 0.314 1 50,498 170 $100M-500M 57.5 1757 38 0 Peoples First Community Bank Pa NA ma City FL 90.0 0.118 0.998 226,060 789 $1B-$10B 80.0 15116 401 0

BB&T Financial FSB Columbus GA 100.0 0.2 1 404,653 180,062 $1B-$10B 100.0 404653 180062 1 Patriot Bk of GA Cumming GA 97.5 0.421 1 69,527 9,154 $100M-500M 100.0 69527 9154 0 First NB of GA Carrollton GA 95.0 0.253 0.989 214,910 1,092 $500M-$1B 72.5 15660 665 0 Farmers St Bk Dublin GA 90.0 0.501 1 59,199 850 $100M-500M 100.0 59199 850 0 Quantum NB Suwanee GA 90.0 0.492 0.999 193,182 457 $100M-500M 30.0 4453 82 0 Bk of Eastman Eastman GA 87.5 0.248 0.773 75,630 1,027 $100M-500M 90.0 18651 792 0 Commercial Banking Company Valdosta GA 87.5 0.259 0.995 43,486 348 $100M-500M 77.5 3356 118 0 First NB S Alma GA 87.5 0.267 0.743 88,551 1,176 $100M-500M 92.5 23679 938 0 Guardian Bk Valdosta GA 87.5 0.374 0.998 66,079 478 $100M-500M 90.0 18516 334 0 Bank of Dudley Dudley GA 85.0 0.363 0.826 60,564 787 $100M-500M 90.0 14309 586 0 Bank of Hazlehurst Hazlehurst GA 85.0 0.475 1 39,812 564 <$100M 97.5 39812 564 0 Bank of Upson Thomaston GA 85.0 0.239 1 77,287 491 $100M-500M 72.5 9034 363 0 Citizens Bk Washington Cty Sandersville GA 85.0 0.236 1 53,884 750 $100M-500M 100.0 53884 750 0 Gateway B&TC Ringgold GA 85.0 0.283 0.803 71,854 763 $100M-500M 87.5 13266 564 0 Primesouth Bk Blackshear GA 85.0 0.23 0.773 100,756 853 $100M-500M 77.5 13945 515 0

BankPacific Ltd Hagatna GU 82.5 0.231 1 21,374 90 <$100M 62.5 1190 37 0

American Savings Bank FSB Portsmouth HI 87.5 0.03 0.19 153,850 3,537 $1B-$10B 77.5 17991 305 0

Libertyville SVG Bk Fairfield IA 97.5 0.256 1 40,765 699 $100M-500M 100.0 40765 699 0 First Cent St Bk De Witt IA 92.5 0.304 1 70,868 873 $100M-500M 82.5 14390 619 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Premier Bk Rock Valley IA 92.5 0.199 1 37,584 477 $100M-500M 82.5 12489 393 0 De Witt B&TC De Witt IA 87.5 0.308 1 33,384 276 $100M-500M 52.5 4623 174 0 Gateway St Bk Clinton IA 87.5 0.247 1 26,421 453 $100M-500M 97.5 26421 453 0 Northwest Bank And Trust Com Davenport IA 87.5 0.255 0.82 49,242 665 $100M-500M 97.5 13191 494 0 Northwoods St Bk Mason City IA 87.5 0.288 1 35,093 480 $100M-500M 95.0 35093 480 0 Viking St B&T Decorah IA 87.5 0.258 1 23,993 369 <$100M 75.0 6740 296 0 American St Bk Osceola IA 85.0 0.239 1 26,839 410 $100M-500M 92.5 26839 410 0 Freedombank Elkader IA 85.0 0.156 1 36,152 599 $100M-500M 97.5 36152 599 0 Iowa St Bk Clarksville IA 85.0 0.231 0.946 68,243 422 $100M-500M 90.0 16896 203 0

First Federal SB of Twin Falls Twin Falls ID 82.5 0.155 0.758 69,266 696 $100M-500M 92.5 12494 446 0

Farmers And Mechanics Bk Galesburg IL 92.5 0.321 1 66,177 441 $100M-500M 75.0 8038 318 0 Bank of Pontiac Pontiac IL 90.0 0.233 1 65,542 396 $100M-500M 97.5 65542 396 0 Beverly B&TCNA Chicago IL 87.5 0.362 0.681 98,615 6,903 $100M-500M 97.5 81876 6836 0 Centrust Bk NA Northbrook IL 87.5 0.41 1 54,006 174 $100M-500M 30.0 1719 47 0 Charter NB&TC Hoffman Estates IL 87.5 0.44 1 52,811 167 $100M-500M 92.5 52811 167 0 Farmers St Bk Pittsfield IL 87.5 0.353 0.854 87,659 1,060 $100M-500M 87.5 11340 433 0 State Bk Arthur Arthur IL 87.5 0.254 1 22,719 6,347 <$100M 100.0 22719 6347 0 1st EGT Bk Skokie IL 85.0 0.462 1 53,645 140 $100M-500M 37.5 2003 49 0 Advantage NB Elk Grove Village IL 85.0 0.348 0.637 149,802 8,107 $100M-500M 92.5 54602 7599 0 Baytree NB&TC Lake Forest IL 85.0 0.223 0.854 53,726 3,054 $100M-500M 95.0 25743 2908 0 First Southern Bk Carbondale IL 85.0 0.277 0.868 58,575 520 $100M-500M 80.0 12001 320 0 Foster Bk Chicago IL 85.0 0.363 0.609 212,393 1,257 $500M-$1B 75.0 19703 465 0 Kent Bk Kent IL 85.0 0.289 1 27,451 242 <$100M 75.0 5407 175 0 Marine B&T Carthage IL 85.0 0.177 1 34,782 428 $100M-500M 97.5 34782 428 0 Metropolitan B&TC Chicago IL 85.0 0.31 0.736 109,314 459 $100M-500M 32.5 3008 76 0 St Charles B&TC Geneva IL 85.0 0.396 0.669 92,293 5,505 $100M-500M 95.0 34352 5198 0 State Bk The Lakes Antioch IL 85.0 0.286 0.637 197,613 11,263 $500M-$1B 92.5 76430 10555 0

Americantrust Federal Saving Peru IN 87.5 0.29 1 33,973 257 $100M-500M 90.0 5494 166 0 Kentland Bk Kentland IN 87.5 0.224 1 51,237 44,063 $100M-500M 100.0 51237 44063 0 Scb Bank Shelbyville IN 85.0 0.226 0.669 56,889 359 $100M-500M 80.0 5618 160 0 Crossroads Bank Wabash IN 82.5 0.177 0.635 58,925 998 $100M-500M 97.5 18288 792 0 First St Bk Middlebury Middlebury IN 82.5 0.309 0.767 117,044 1,125 $100M-500M 80.0 17213 694 0 Bedford FSB Bedford IN 80.0 0.195 1 22,023 147 $100M-500M 85.0 3881 91 0 German American Bc Jasper IN 80.0 0.218 0.596 265,655 1,702 $1B-$10B 70.0 31177 915 0 Marklebank Markle IN 80.0 0.242 0.867 71,856 815 $100M-500M 87.5 17241 599 0 Mutualbank Muncie IN 80.0 0.103 0.589 142,285 1,225 $1B-$10B 87.5 20194 725 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

New Washington St Bk New Washington IN 80.0 0.282 0.854 60,707 588 $100M-500M 75.0 9208 386 0 North Salem St Bk North Salem IN 80.0 0.262 1 35,701 522 $100M-500M 87.5 12823 410 0 United Community Bank Lawrenceburg IN 80.0 0.132 0.968 52,816 191 $100M-500M 60.0 2208 84 0

Visio NB ank Topeka KS 97.5 0.464 1 32,431 14,737 <$100M 100.0 32431 14737 0 Union St Bk Everest KS 92.5 0.252 1 28,078 501 $100M-500M 100.0 28078 501 0 Douglas Cty Bk Lawrence KS 87.5 0.375 1 91,055 414 $100M-500M 55.0 5457 236 0 Bank of KS South Hutchinson KS 85.0 0.275 0.732 98,797 649 $100M-500M 60.0 9314 342 0 Citizens St Bk Gridley KS 85.0 0.185 1 15,683 337 <$100M 97.5 15683 337 0 Midwest CMNTY Bk Plainville KS 85.0 0.231 1 24,744 343 $100M-500M 75.0 6186 272 0 Bank of The Prairie Olathe KS 82.5 0.359 0.788 42,735 355 $100M-500M 67.5 6789 219 0 First NB of Southern KS Mount Hope KS 82.5 0.365 1 22,320 267 <$100M 92.5 22320 267 0 Community Bk Wichita KS 80.0 0.413 0.95 22,233 367 <$100M 80.0 5582 300 0 Community NB Chanute KS 80.0 0.35 0.831 30,772 341 <$100M 85.0 41742 986 0 First Bk of Newton Newton KS 80.0 0.208 0.837 28,180 354 $100M-500M 75.0 7897 272 0 First St Bk Norton KS 80.0 0.146 1 37,648 478 $100M-500M 97.5 37648 478 0 Midland NB of Newton Newton KS 80.0 0.258 0.743 34,731 318 $100M-500M 62.5 5477 225 0 Peoples Bk Coldwater KS 80.0 0.222 0.648 77,472 668 $100M-500M 85.0 6529 163 0

Citizens Bk of Northern KY Newport KY 92.5 0.324 1 91,540 648 $100M-500M 75.0 11912 384 0 Peoples Bk of KY Inc Flemingsburg KY 90.0 0.234 1 43,339 937 $100M-500M 100.0 43339 937 0 Bank of Edmonson CTY Brownsville KY 85.0 0.246 0.992 48,207 1,127 $100M-500M 97.5 18331 980 0 Cumberland Security Bk Somerset KY 82.5 0.352 1 58,393 307 $100M-500M 50.0 5331 182 0 Peoples Exch Bk Stanton KY 82.5 0.222 0.817 66,388 1,037 $100M-500M 87.5 15282 786 0 Central Bank FSB Nicholasville KY 80.0 0.247 0.648 42,880 458 $100M-500M 90.0 9579 317 0 Hometown Bank of Corbin Inc Corbin KY 80.0 0.322 0.926 41,473 424 $100M-500M 67.5 6495 257 0 Monticello Bkg Co Monticello KY 80.0 0.195 0.748 106,492 1,254 $500M-$1B 82.5 21928 862 0 Paducah B&TC Paducah KY 80.0 0.2 0.802 96,856 836 $100M-500M 77.5 18542 513 0 Town Square Bk Inc Ashland KY 80.0 0.305 0.882 45,299 475 $100M-500M 75.0 8459 302 0

Farmers-Merchants B&TC Breaux Bridge LA 95.0 0.354 1 87,732 22,332 $100M-500M 100.0 87732 22332 0 Home Bank Lafayette LA 95.0 0.259 0.977 129,169 714 $100M-500M 87.5 10578 431 0 Citizens NB NA Bossier City LA 90.0 0.327 0.995 107,062 810 $100M-500M 77.5 15273 543 0 City SVG B&TC Deridder LA 90.0 0.3 1 50,716 747 $100M-500M 87.5 16037 631 0 Florida Parishes Bank Hammond LA 90.0 0.177 1 31,480 805 $100M-500M 100.0 31480 805 0 Guaranty Savings Bank Metairie LA 87.5 0.234 1 61,704 186 $100M-500M 65.0 2851 57 0 Community First Bk New Iberia LA 85.0 0.245 1 49,692 412 $100M-500M 60.0 6740 293 0 Homeland Federal Savings Ban Columbia LA 85.0 0.274 0.915 35,416 601 $100M-500M 95.0 11173 486 0 Gulf Coast B&Tc New Orleans LA 82.5 0.235 0.672 243,233 1,535 $1B-$10B 57.5 21625 617 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Merchants & Farmers B&TC Leesville LA 82.5 0.242 1 56,084 471 $100M-500M 60.0 7475 327 0 St Landry Homestead FSB OpeloUSAs LA 82.5 0.164 0.999 45,084 244 $100M-500M 77.5 4364 138 0 State-Investors Bank Metairie LA 82.5 0.209 0.979 44,598 129 $100M-500M 20.0 14 1 0

Bank of Canton Canton MA 90.0 0.221 0.868 173,333 670 $500M-$1B 62.5 8155 220 0 Enterprise B&TC Lowell MA 87.5 0.325 0.557 405,311 2,980 $1B-$10B 95.0 50409 1585 0 Lee Bk Lee MA 87.5 0.272 1 80,873 530 $100M-500M 77.5 5587 300 0 Provident Bk Amesbury MA 87.5 0.26 0.938 133,045 603 $500M-$1B 67.5 6154 294 0 Bristol Cty SVG Bk Taunton MA 85.0 0.174 0.603 204,654 1,154 $1B-$10B 87.5 20486 640 0 Mercantile B&TC Boston MA 85.0 0.52 0.754 84,009 513 $100M-500M 65.0 4980 152 0 Rockland TC Rockland MA 85.0 0.202 0.565 902,423 3,238 $1B-$10B 77.5 54577 965 0 Strata Bk Medway MA 85.0 0.264 1 97,618 427 $100M-500M 72.5 6375 200 0 First Trade Union Bank Boston MA 82.5 0.169 0.579 126,808 439 $500M-$1B 55.0 2677 59 0 Peoples Federal Savings Bank Brighton MA 82.5 0.143 1 65,939 211 $100M-500M 65.0 2973 110 0

Commercefirst Bk Annapolis MD 87.5 0.626 0.721 120,268 594 $100M-500M 72.5 8658 224 0 Provident St Bk Preston MD 87.5 0.344 0.869 84,109 781 $100M-500M 95.0 12870 468 0 Bradford Bank Baltimore MD 85.0 0.156 1 70,702 233 $100M-500M 52.5 1540 57 0 Bank of The Eastern Shore Cambridge MD 82.5 0.329 0.729 78,092 727 $100M-500M 90.0 12026 432 0 County First Bk La Plata MD 80.0 0.344 0.794 61,004 422 $100M-500M 80.0 8479 246 0 Damascus CMNTY Bk Damascus MD 80.0 0.304 0.747 67,191 800 $100M-500M 100.0 13769 565 0 Howard Bk Ellicott City MD 80.0 0.377 0.596 96,771 519 $100M-500M 72.5 8645 217 0 National Bk of Cambridge Cambridge MD 80.0 0.36 0.978 81,786 311 $100M-500M 50.0 4010 179 0 Hebron SVG Bk Hebron MD 77.5 0.195 0.773 85,187 657 $100M-500M 85.0 13012 370 0

Savings Bank of Maine Gardiner ME 85.0 0.225 0.51 221,007 2,141 $500M-$1B 87.5 27423 1269 0 Katahdin TC Patten ME 77.5 0.282 0.691 136,616 2,011 $100M-500M 87.5 35769 1482 0 Franklin SVG Bk Farmington ME 75.0 0.241 1 73,994 1,263 $100M-500M 95.0 73994 1263 0 Sanford Inst For SVG Sanford ME 75.0 0.265 1 116,138 573 $100M-500M 52.5 11297 338 0

1st St Bk Saginaw MI 87.5 0.591 1 86,252 590 $100M-500M 70.0 8313 277 0 Northern Michigan B&T Escanaba MI 87.5 0.454 1 96,508 482 $100M-500M 50.0 6681 210 0 Edgewater Bank Buchanan MI 85.0 0.22 1 42,227 179 $100M-500M 75.0 3215 83 0 Isabella Bk Mount Pleasant MI 85.0 0.24 1 249,605 1,791 $1B-$10B 80.0 31449 1144 0 Alden St Bk Alden MI 82.5 0.352 0.951 61,031 731 $100M-500M 85.0 12567 512 0 First Independence Bk Detroit MI 82.5 0.446 1 75,620 385 $100M-500M 57.5 6547 187 0 First Federal of Northern MI Alpena MI 80.0 0.17 0.739 40,897 380 $100M-500M 87.5 6196 251 0 Michigan Commerce Bk Ann Arbor MI 80.0 0.342 0.606 414,264 2,383 $1B-$10B 62.5 24425 873 0 Peninsula Bk Ishpeming MI 80.0 0.432 0.99 58,155 664 $100M-500M 92.5 18415 480 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Range Bk NA Negaunee MI 80.0 0.34 0.855 82,926 703 $100M-500M 77.5 11912 431 0

Prior Lake St Bk Prior Lake MN 97.5 0.378 1 72,930 1,059 $100M-500M 47.5 3721 702 0 21st Century Bk Loretto MN 95.0 0.428 1 173,387 511 $100M-500M 45.0 5795 195 0 First NB of Walker Walker MN 95.0 0.322 1 86,233 762 $100M-500M 92.5 26911 550 0 Lake Area Bk Lindstrom MN 95.0 0.389 1 123,447 378 $100M-500M 45.0 5750 166 0 First NB of Milaca Milaca MN 87.5 0.335 1 53,073 669 $100M-500M 87.5 11962 500 0 Lake Region Bk New London MN 87.5 0.419 1 42,797 524 $100M-500M 97.5 42797 524 0 Republic Bk Duluth MN 87.5 0.532 0.953 151,784 615 $100M-500M 50.0 6775 248 0 White Rock Bk Cannon Falls MN 87.5 0.309 1 47,041 451 $100M-500M 80.0 8724 312 0 Americana Cmnty Bk Sleepy Eye MN 85.0 0.36 1 66,788 382 $100M-500M 55.0 5308 205 0 Prinsbank Prinsburg MN 85.0 0.497 1 25,353 340 <$100M 97.5 25353 340 0 Village Bk Saint Francis MN 85.0 0.446 0.774 117,618 792 $100M-500M 80.0 15532 415 0

Liberty Bk Springfield MO 92.5 0.411 1 384,645 2,237 $500M-$1B 77.5 39018 1298 0 Branson Bk Branson MO 90.0 0.343 1 55,779 339 $100M-500M 57.5 5545 201 0 Farmers & Merchants Bk Saint Clair MO 90.0 0.407 1 70,705 828 $100M-500M 82.5 13185 597 0 First St CMNTY Bk Farmington MO 90.0 0.244 1 239,375 1,961 $500M-$1B 75.0 31595 1287 0 Bremen B&TC Saint Louis MO 87.5 0.476 1 117,230 542 $100M-500M 52.5 6892 257 0 Century Bk of The Ozarks Gainesville MO 87.5 0.22 1 36,476 630 $100M-500M 97.5 36476 630 0 Community St Bk of Missouri Bowling Green MO 85.0 0.22 1 40,214 800 $100M-500M 100.0 40214 800 0 Mid America Bk Linn MO 85.0 0.226 1 34,373 417 $100M-500M 85.0 13176 289 0 Shelter Financial Bank Columbia MO 85.0 0.117 1 22,029 574 $100M-500M 100.0 22029 574 0 Callaway Bk Fulton MO 82.5 0.199 1 56,952 567 $100M-500M 85.0 16936 437 0 Citizens Bk of Newburg Rolla MO 82.5 0.307 1 55,929 328 $100M-500M 60.0 7071 218 0 Commercial Bk Maryland Heights MO 82.5 0.339 0.783 61,960 555 $100M-500M 72.5 10427 373 0 F&M Bank And Trust Company Hannibal MO 82.5 0.242 0.733 46,086 392 $100M-500M 85.0 5460 230 0 Heartland Bank St. Louis MO 82.5 0.155 0.482 152,816 3,735 $500M-$1B 97.5 86437 3459 0 Palmyra St Bk Palmyra MO 82.5 0.312 0.87 38,360 554 $100M-500M 82.5 12185 436 0 Peoples Community Bk Greenville MO 82.5 0.293 1 24,953 422 <$100M 97.5 24953 422 0 Village Bk Springfield MO 82.5 0.451 1 41,564 215 <$100M 35.0 2475 97 0

First St Bk Waynesboro MS 95.0 0.29 1 115,632 1,291 $100M-500M 97.5 115632 1291 0 Farmers & Merchants Bk Baldwyn MS 90.0 0.329 1 62,498 1,296 $100M-500M 95.0 62498 1296 0 Riverhills Bk Port Gibson MS 85.0 0.284 1 62,288 764 $100M-500M 67.5 12824 609 0 First Nat Bkg Assn Hattiesburg MS 77.5 0.209 0.787 101,164 994 $100M-500M 55.0 15109 661 0 Grand Bank For Savings FSB Hattiesburg MS 77.5 0.072 1 10,199 2,755 $100M-500M 97.5 6305 2728 0 Peoples Bk Mendenhall MS 77.5 0.231 1 42,882 898 $100M-500M 87.5 42882 898 0 Bank of Wiggins Wiggins MS 75.0 0.225 1 41,039 897 $100M-500M 90.0 41039 897 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

First Southern Bk Columbia MS 75.0 0.363 0.733 68,627 829 $100M-500M 72.5 17434 603 0 First CMRL Bk Jackson MS 72.5 0.375 0.63 90,639 681 $100M-500M 45.0 10456 350 0 Mechanics Bk Water Valley MS 72.5 0.203 0.874 41,854 884 $100M-500M 77.5 14547 767 0 State B&TC Greenwood MS 72.5 0.175 0.649 166,439 2,585 $500M-$1B 67.5 34122 1956 0

Beartooth Bk Billings MT 90.0 0.461 1 25,372 801 <$100M 100.0 25372 801 0 American Federal Savings Bank Helena MT 80.0 0.109 1 30,789 252 $100M-500M 80.0 3857 147 0 Yellowstone Bk Laurel MT 77.5 0.268 0.751 116,385 1,281 $100M-500M 67.5 18710 790 0 Bitterroot Valley Bk Lolo MT 72.5 0.299 0.81 60,158 602 $100M-500M 60.0 8616 388 0 First Madison Valley Bk Ennis MT 72.5 0.34 0.887 31,671 563 <$100M 75.0 7532 427 0 First NB of MT Libby MT 72.5 0.3 0.681 83,831 902 $100M-500M 67.5 13554 604 0 Flathead Bk of Bigfork Bigfork MT 72.5 0.243 0.898 61,829 640 $100M-500M 62.5 10739 410 0 Flint Creek Valley Bk Philipsburg MT 72.5 0.449 1 23,073 195 <$100M 40.0 3000 107 0 Freedom Bk Columbia Falls MT 72.5 0.408 0.938 26,282 257 <$100M 52.5 3927 175 0 Lake County Bk Saint Ignatius MT 72.5 0.256 1 7,439 1,059 <$100M 95.0 7439 1059 0 Valley Bk of Kalispell Kalispell MT 72.5 0.299 1 28,725 368 <$100M 75.0 7899 270 0

Crescent St Bk Cary NC 92.5 0.334 1 358,438 1,550 $1B-$10B 60.0 17157 789 0 Midcarolina Bk Burlington NC 90.0 0.316 0.82 173,607 2,067 $500M-$1B 85.0 22594 578 0 Hometrust Bank Clyde NC 85.0 0.156 0.581 229,446 1,549 $1B-$10B 72.5 12378 357 0 Little Bk Kinston NC 85.0 0.349 1 107,126 572 $100M-500M 72.5 9011 312 0 Citizens South Bank Gastonia NC 82.5 0.157 0.53 131,498 875 $500M-$1B 85.0 14126 461 0 Fidelity Bk Fuquay-Varina NC 82.5 0.247 0.706 351,149 2,564 $1B-$10B 75.0 32965 1219 0 New Century Bk Dunn NC 82.5 0.272 0.707 170,635 2,117 $500M-$1B 77.5 17210 1230 0 Bank of Granite Granite Falls NC 80.0 0.298 0.59 329,300 2,644 $1B-$10B 85.0 39759 1453 0 Mountain 1st Bk & TRr Hendersonville NC 80.0 0.277 0.678 195,468 1,066 $500M-$1B 82.5 23776 601 0 AF Bank West Jefferson NC 77.5 0.145 0.741 42,532 353 $100M-500M 85.0 5864 208 0 Harrington Bank FSB Chapel Hill NC 77.5 0.178 0.635 55,830 288 $100M-500M 70.0 3829 157 0 Surrey B&T Mount Airy NC 77.5 0.387 0.748 79,018 1,029 $100M-500M 87.5 16922 724 0 Yadkin Valley B&TC Elkin NC 77.5 0.205 0.591 442,415 4,286 $1B-$10B 90.0 71924 2812 0

Northland FNCL Steele ND 87.5 0.248 1 36,120 561 $100M-500M 72.5 8614 391 0 Western St Bk Devils Lake ND 85.0 0.337 0.847 138,298 4,350 $100M-500M 92.5 76034 4082 0 First United Bk Park River ND 82.5 0.162 1 19,288 475 $100M-500M 97.5 19288 475 0 Visio NB ank Fargo ND 82.5 0.661 1 87,329 356 $100M-500M 40.0 3600 152 0 Dakota CMNTY Bk NA Hebron ND 77.5 0.217 0.787 79,118 1,109 $100M-500M 77.5 17145 799 0 Security First Bk of ND New Salem ND 77.5 0.301 0.911 36,289 556 $100M-500M 80.0 10650 449 0 First International B&TC Watford City ND 75.0 0.197 0.612 181,526 1,642 $500M-$1B 90.0 101828 1258 0 Kirkwood B&TC Bismarck ND 75.0 0.403 0.791 53,903 340 $100M-500M 72.5 10720 219 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Scandia America B&TC Stanley ND 75.0 0.197 1 15,608 121 <$100M 32.5 1988 85 0

Elkhorn Valley B&TC Norfolk NE 95.0 0.205 1 78,212 981 $100M-500M 92.5 37616 790 0 Commercial St Bk WaUSA NE 90.0 0.324 1 21,816 353 <$100M 95.0 21816 353 0 First St Bk Gothe NB urg NE 87.5 0.243 0.9 80,271 653 $100M-500M 80.0 16215 461 0 Wahoo St Bk Wahoo NE 87.5 0.2 1 12,958 657 <$100M 100.0 12958 657 0 Gothe NB urg St B&TC Gothe NB urg NE 85.0 0.17 1 18,034 317 $100M-500M 95.0 18034 317 0 Adams B&TC Ogallala NE 82.5 0.283 0.702 136,019 1,076 $100M-500M 75.0 22260 753 0 Cornhusker Bk Lincoln NE 82.5 0.233 0.61 76,454 634 $100M-500M 75.0 13249 465 0 First B&TC Cozad NE 82.5 0.214 0.84 43,278 614 $100M-500M 75.0 9153 440 0 Plattsmouth St Bk Plattsmouth NE 82.5 0.2 1 17,006 142 <$100M 42.5 2197 77 0 State Bk Table Rock NE 82.5 0.219 1 10,940 225 <$100M 92.5 10940 225 0 Valley B&TC Scottsbluff NE 82.5 0.278 0.652 92,036 1,085 $100M-500M 77.5 18176 760 0

Federal Savings Bank Dover NH 87.5 0.203 0.942 48,580 352 $100M-500M 80.0 4806 171 0 Monadnock Community Bank Peterborough NH 82.5 0.214 0.955 26,679 262 $100M-500M 87.5 4295 154 0

Cornerstone Bk Moorestown NJ 92.5 0.492 0.999 145,439 745 $100M-500M 97.5 11994 404 0 1st Constitution Bk Cranbury NJ 90.0 0.337 0.759 208,076 951 $500M-$1B 80.0 9711 234 0 Shore CMNTY Bk Toms River NJ 82.5 0.36 0.91 81,369 272 $100M-500M 72.5 3194 79 0 BNB Bk NA Fort Lee NJ 80.0 0.378 0.493 134,061 740 $100M-500M 77.5 7472 240 0 Delanco Federal Savings Bank Delanco NJ 80.0 0.158 1 21,407 158 $100M-500M 72.5 2104 85 0 Harvest CMNTY Bk Pennsville NJ 80.0 0.28 0.729 57,433 396 $100M-500M 90.0 8540 209 0 Highlands State Bk Vernon NJ 80.0 0.414 1 56,623 236 $100M-500M 82.5 4303 111 0 Skylands CMNTY Bk Hackettstown NJ 80.0 0.215 0.506 290,797 2,164 $1B-$10B 85.0 20109 996 0 1st Bank of Sea Isle City Sea Isle City NJ 77.5 0.13 1 30,032 115 $100M-500M 62.5 1825 58 0 1st Colonial NB Collingswood NJ 77.5 0.237 0.863 56,815 443 $100M-500M 95.0 9126 243 0 Bank Woodbury NJ 77.5 0.221 0.505 465,410 3,509 $1B-$10B 92.5 37936 1692 0 Heritage Community Bk Randolph NJ 77.5 0.439 0.833 55,953 324 $100M-500M 85.0 4886 131 0 Sussex Bk Franklin NJ 77.5 0.247 0.577 114,109 585 $100M-500M 87.5 10057 266 0

Bank of The Rio Grande NA Las Cruces NM 87.5 0.323 1 34,380 442 $100M-500M 87.5 6723 301 0 Charter Bank Johnston NM 80.0 0.033 0.277 43,668 172 $1B-$10B 37.5 4556 167 0 James Polk Stone NB Portales NM 80.0 0.222 0.903 32,668 489 $100M-500M 90.0 10450 381 0 Bank of The Southwest Roswell NM 77.5 0.261 0.691 39,631 460 $100M-500M 75.0 6388 317 0 International Bk Raton NM 77.5 0.255 0.557 75,906 747 $100M-500M 77.5 13158 481 0 Pioneer Bank Roswell NM 77.5 0.071 1 38,799 405 $500M-$1B 100.0 38799 405 0

M & I Bank FSB Las Vegas NV 85.0 0.051 1 114,270 5,715 $1B-$10B 100.0 114270 5715 1 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Heritage Bk of NY Reno NV 82.5 0.3 0.531 113,297 723 $100M-500M 95.0 10955 470 0 Bank of Las Vegas Las Vegas NV 77.5 0.456 0.621 32,614 136 <$100M 77.5 1808 47 0

Provident Bank Montebello NY 95.0 0.264 0.999 743,897 3,368 $1B-$10B 90.0 69992 2100 0 Bridgehampton NB Bridgehampton NY 92.5 0.303 0.848 239,786 1,142 $500M-$1B 87.5 24920 741 0 Solvay Bk Solvay NY 87.5 0.181 0.858 97,416 1,471 $500M-$1B 97.5 23052 1005 0 Riverside Bk Poughkeepsie NY 85.0 0.552 0.806 93,384 646 $100M-500M 82.5 8539 319 0 Walden Savings Bank Montgomery NY 85.0 0.206 0.702 71,641 449 $100M-500M 85.0 8485 237 0 Watertown SVG Bk Watertown NY 85.0 0.24 0.839 95,504 1,011 $100M-500M 92.5 16277 646 0 American Cmnty Bk Glen Cove NY 82.5 0.609 1 92,712 259 $100M-500M 42.5 1788 46 0 Bank of Castile Castile NY 82.5 0.186 0.624 141,076 1,419 $500M-$1B 90.0 24140 858 0 Catskill Hudson Bk Rock Hill NY 82.5 0.326 0.762 82,953 574 $100M-500M 77.5 7450 261 0 Mahopac NB Mahopac NY 82.5 0.217 0.615 180,902 1,056 $500M-$1B 82.5 19778 645 0 Pathfinder Bk Oswego NY 82.5 0.219 0.999 75,991 612 $100M-500M 85.0 11985 370 0 Ponce De Leon Federal Bank Bronx NY 82.5 0.148 0.663 103,862 556 $500M-$1B 90.0 21950 269 0 State Bk of Long Island New Hyde Park NY 82.5 0.223 0.426 368,555 1,684 $1B-$10B 82.5 39921 939 0

Citizens SVG Bk Martins Ferry OH 92.5 0.248 1 112,442 1,420 $100M-500M 85.0 17984 513 0 Park View Federal Savings Bank Solon OH 92.5 0.277 0.956 255,055 602 $500M-$1B 57.5 4632 82 0 Buckeye CMNTY Bk Lorain OH 90.0 0.651 1 95,399 644 $100M-500M 82.5 11753 317 0 Home City FSB of Springfield Springfield OH 85.0 0.254 0.928 36,027 348 $100M-500M 92.5 5984 196 0 Commerce NB ColumBUS OH 82.5 0.388 0.675 247,582 1,411 $500M-$1B 62.5 15514 506 0 First Federal Bank of The MI Defiance OH 82.5 0.203 0.419 410,413 3,246 $1B-$10B 85.0 52796 1799 0 First St Bk Winchester OH 82.5 0.248 1 48,128 406 $100M-500M 80.0 8807 260 0 Miami Savings Bank Miamitown OH 82.5 0.208 1 24,104 110 $100M-500M 95.0 24104 110 0 Mutual FSB A FSSB Sidney OH 82.5 0.253 0.978 32,394 182 $100M-500M 82.5 3458 111 0 Settlers Bk Marietta OH 82.5 0.296 1 27,036 383 <$100M 87.5 7628 293 0 Union Savings Bank Albuquerque OH 82.5 0.04 0.514 74,444 287 $1B-$10B 47.5 570 16 0 Wayne Savings Community Bank Wooster OH 82.5 0.167 0.668 67,521 504 $100M-500M 87.5 11296 286 0

RCB Bk Claremore OK 90.0 0.258 0.999 339,591 2,505 $1B-$10B 65.0 34684 1773 0 Bank of The Lakes NA Owasso OK 87.5 0.633 0.917 122,266 525 $100M-500M 55.0 7176 303 0 Regent Bk Nowata OK 87.5 0.359 1 48,304 305 $100M-500M 67.5 7673 168 0 Bank of Beaver City Beaver OK 85.0 0.328 1 39,652 332 $100M-500M 65.0 6247 229 0 Exchange NB Moore OK 85.0 0.297 1 38,196 231 $100M-500M 32.5 2851 144 0 First B&TC Broken Bow OK 85.0 0.309 0.985 63,549 418 $100M-500M 90.0 12695 290 0 First Capital Bk Guthrie OK 85.0 0.436 0.912 53,039 605 $100M-500M 72.5 7561 411 0 First NB OkK Ponca City OK 85.0 0.312 0.811 61,785 662 $100M-500M 72.5 10127 450 0 First NB &TC Weatherford OK 85.0 0.329 1 34,161 318 $100M-500M 95.0 34161 318 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Pauls Valley NB Pauls Valley OK 85.0 0.2 1 31,357 701 $100M-500M 100.0 31357 701 0 Peoples Bk Tulsa OK 85.0 0.496 1 49,726 356 $100M-500M 72.5 8024 246 0

Evergreen FS & LA Grants Pass OR 77.5 0.171 0.607 51,469 245 $100M-500M 67.5 3446 83 0 Columbia River Bk The Dalles OR 72.5 0.227 0.695 242,254 1,393 $1B-$10B 80.0 26591 696 0 Peoples Bk of CMRC Medford OR 72.5 0.395 0.791 38,390 243 <$100M 72.5 4226 122 0 Pioneer Rr Bk NA Salem OR 72.5 0.285 0.605 75,734 524 $100M-500M 52.5 5142 200 0

Elderton St Bk Elderton PA 87.5 0.428 0.866 74,833 2,457 $100M-500M 95.0 19648 2077 0 Franklin Security Bank Plains PA 87.5 0.152 0.999 32,720 1,475 $100M-500M 95.0 9267 1388 0 Bucks Cty Bk Doylestown PA 85.0 0.484 1 100,645 527 $100M-500M 60.0 6116 240 0 CNB Bk Clearfield PA 85.0 0.23 0.639 236,017 2,902 $1B-$10B 100.0 128522 2290 0 Eureka Bank Pittsburgh PA 85.0 0.33 1 35,369 296 $100M-500M 97.5 35369 296 0 National Penn Bk Boyertown PA 82.5 0.185 0.675 1,760,981 8,338 $1B-$10B 77.5 187667 4036 0 Community B&TC Clarks Summit PA 80.0 0.245 0.59 148,289 2,747 $500M-$1B 97.5 60681 2122 0 First Citizens NB Mansfield PA 80.0 0.161 0.817 113,853 1,289 $500M-$1B 90.0 25702 849 0 Honesdale NB Honesdale PA 80.0 0.262 0.678 126,653 1,324 $100M-500M 87.5 21508 827 0 Meridian Bk Devon PA 80.0 0.397 1 107,188 329 $100M-500M 50.0 5427 129 0 Phoenixville Federal Bank An Phoenixville PA 80.0 0.172 0.623 65,292 397 $100M-500M 75.0 5402 195 0 Washington Federal Savings B Washington PA 80.0 0.127 0.703 94,878 549 $500M-$1B 82.5 11188 308 0

Banco Popular De PR San Juan PR 75.0 0.076 0.302 1,712,000 17,957 >$10B 60.0 148000 10468 0

Newport Federal Savings Bank Newport RI 82.5 0.151 0.707 67,476 445 $100M-500M 57.5 1890 92 0

Arthur St Bk Union SC 92.5 0.34 0.966 224,383 1,589 $500M-$1B 80.0 26211 990 0 First Piedmont FS & LA of GA Gaffney SC 87.5 0.19 1 53,221 207 $100M-500M 65.0 2728 82 0 Pickens S & LA FA Pickens SC 85.0 0.197 1 20,814 134 $100M-500M 77.5 2241 75 0 First Palmetto Savings Bank Camden SC 82.5 0.178 0.538 150,590 1,177 $500M-$1B 87.5 18204 682 0 Plantation Federal Bank Pawleys Island SC 82.5 0.166 0.549 112,703 726 $500M-$1B 85.0 12276 408 0 Peoples NB Easley SC 80.0 0.293 0.969 99,289 621 $100M-500M 57.5 9664 350 0 Southern Bank & Trust Aiken SC 80.0 0.294 0.686 45,349 298 $100M-500M 77.5 4627 150 0 Bank of Walterboro Walterboro SC 77.5 0.445 0.822 72,146 971 $100M-500M 85.0 15369 707 0 Community First Bk Walhalla SC 77.5 0.198 1 93,148 1,007 $100M-500M 85.0 22216 780 0 First Capital Bank Bennettsville SC 77.5 0.303 0.902 19,961 214 <$100M 82.5 2863 164 0

Minnwest Bk Sioux Falls Sioux Falls SD 90.0 0.277 1 33,192 334 $100M-500M 95.0 33192 334 0 Great Plains Bk Eureka SD 82.5 0.182 1 14,196 309 <$100M 90.0 14196 309 0 Dacotah Bk Aberdeen SD 80.0 0.2 0.661 316,697 3,777 $1B-$10B 77.5 71541 2923 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Fulton St Bk Fulton SD 80.0 0.256 1 11,192 194 <$100M 90.0 11192 194 0 Peoples St Bk Summit SD 80.0 0.192 1 11,920 208 <$100M 82.5 8275 129 0 First St Bk of Roscoe Roscoe SD 77.5 0.232 1 17,892 269 <$100M 87.5 17892 269 0 Home Federal Bank Sioux Falls SD 77.5 0.139 0.314 163,670 910 $1B-$10B 65.0 22523 515 0 Bankstar Financial Elkton SD 75.0 0.266 1 13,141 175 <$100M 65.0 3077 122 0 First Savings Bank Beresford SD 75.0 0.188 0.456 85,794 543 $100M-500M 75.0 6515 239 0 First Western Bk Wall SD 75.0 0.19 0.517 108,593 967 $500M-$1B 55.0 14336 582 0

Clayton B&TC Knoxville TN 95.0 0.364 1 213,657 730 $500M-$1B 52.5 8422 404 0 Jefferson Fed Bk Morristown TN 95.0 0.311 0.86 206,525 1,208 $500M-$1B 80.0 21403 759 0 Tennessee CMRC Bk Franklin TN 92.5 0.477 0.799 634,353 6,365 $1B-$10B 97.5 241274 4700 0 Cumberland Cty Bk Crossville TN 87.5 0.235 1 56,964 517 $100M-500M 90.0 16544 350 0 First Bk of TN Spring City TN 87.5 0.297 0.995 65,674 370 $100M-500M 57.5 5838 193 0 Community B&TC Ashland City TN 85.0 0.271 1 59,124 365 $100M-500M 95.0 59124 365 0 Community NB of The Lakeway Morristown TN 85.0 0.333 0.961 36,875 721 $100M-500M 62.5 3474 516 0 First Federal Bank Dickson TN 85.0 0.164 0.713 76,395 830 $100M-500M 72.5 18082 602 0 Security FSB of Mcminnville Mcminnville TN 85.0 0.264 1 37,746 457 $100M-500M 97.5 37746 457 0 Southern Heritage Bk Cleveland TN 85.0 0.327 1 74,007 342 $100M-500M 45.0 4848 198 0

First St Bk Graham TX 95.0 0.334 1 65,093 842 $100M-500M 95.0 20166 513 0 First CMNTY Bk NA Sugar Land TX 92.5 0.404 0.979 335,059 1,897 $500M-$1B 82.5 42600 1246 0 Bank of River Oaks Houston TX 90.0 0.456 1 92,491 316 $100M-500M 50.0 5898 136 0 First St Bk New Braunfels TX 90.0 0.452 1 109,442 471 $100M-500M 95.0 109442 471 0 Western Bk Coahoma TX 90.0 0.323 1 63,401 861 $100M-500M 97.5 63401 861 0 Blanco NB Blanco TX 87.5 0.277 1 41,698 1,436 $100M-500M 95.0 17732 448 0 Commercial St Bk Andrews TX 87.5 0.339 0.714 133,213 1,660 $100M-500M 87.5 33604 1156 0 Community Bk Granbury TX 87.5 0.284 0.843 127,125 1,318 $100M-500M 75.0 17956 826 0 First Bk of Conroe NA Conroe TX 87.5 0.31 0.828 76,392 1,209 $100M-500M 90.0 19859 981 0 First NB of Albany Breckenri Albany TX 87.5 0.236 1 77,874 1,451 $100M-500M 97.5 77874 1451 0 First St Bk Chico TX 87.5 0.379 0.86 81,099 1,243 $100M-500M 95.0 18531 673 0 Peoples Bk Paris TX 87.5 0.315 1 36,911 452 $100M-500M 85.0 10888 339 0 Pointbank Pilot Point TX 87.5 0.321 1 102,871 348 $100M-500M 35.0 3959 159 0

American Express Bank FSB Salt Lake City UT 100.0 0.476 1 14,160,000 2,134,945 >$10B 100.0 14160000 2134945 1 Pitney Bowes Bk Salt Lake City UT 95.0 0.597 1 414,208 1,092,468 $500M-$1B 97.5 395239 1092393 0 Transportation Alli Bk Ogden UT 92.5 0.566 1 281,814 13,627 $100M-500M 95.0 281814 13627 0 Wright Express FS Corp Salt Lake City UT 87.5 0.693 0.729 591,133 157,100 $500M-$1B 95.0 406515 153570 0 ADB Bk Cedar City UT 85.0 0.602 1 35,609 6,355 <$100M 90.0 35609 6355 0 GE Cap FNCL Holladay UT 85.0 0.374 0.614 3,989,345 2,150,025 >$10B 92.5 2818841 2138917 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Community Bank Staunton VA 82.5 0.175 0.572 93,540 919 $500M-$1B 90.0 14844 656 0 New Peoples Bk Ho NA ker VA 82.5 0.21 0.685 176,515 1,956 $500M-$1B 90.0 33835 1345 0 EVB Tappahannock VA 80.0 0.194 0.708 213,089 1,425 $1B-$10B 72.5 19071 955 0 First Bk Strasburg VA 80.0 0.243 0.581 132,753 867 $500M-$1B 70.0 12657 405 0 First Market Bank FSB Richmond VA 80.0 0.13 0.556 186,793 1,152 $1B-$10B 87.5 27113 502 0 Virginia CMNTY Bk Louisa VA 80.0 0.375 1 76,849 409 $100M-500M 95.0 76849 409 0 Benchmark CMNTY Bk Kenbridge VA 77.5 0.207 0.784 77,742 1,051 $100M-500M 92.5 19928 762 0 Capital One Bk USA NA Glen Allen VA 77.5 0.045 1 1,738,853 535,522 >$10B 97.5 1738853 535522 1 Bank of Hampton Roads Norfolk VA 75.0 0.172 0.477 480,580 2,324 $1B-$10B 70.0 50916 1169 0 First NB Altavista VA 75.0 0.189 0.911 61,621 695 $100M-500M 85.0 12346 504 0 Highlands Union Bk Abingdon VA 75.0 0.176 0.678 117,672 1,427 $500M-$1B 87.5 25125 1062 0 Union B&TC Bowling Green VA 75.0 0.154 0.481 315,452 2,451 $1B-$10B 75.0 40122 1360 0

Bank of Saint Croix Christiansted VI 50.0 0.148 0.765 15,829 357 $100M-500M 50.0 1824 297 0

Passumpsic SVG Bk Saint Johnsbury VT 90.0 0.301 0.999 165,087 1,307 $500M-$1B 70.0 20767 793 0

Kitsap Bk Port Orchard WA 97.5 0.363 0.999 354,043 1,580 $500M-$1B 87.5 21356 612 0 Whidbey Island Bk Coupeville WA 85.0 0.247 0.573 230,593 1,703 $500M-$1B 87.5 23322 863 0 Sound Community Bank Seattle WA 82.5 0.157 0.98 51,042 191 $100M-500M 72.5 3340 102 0 Americanwest Bk Spokane WA 80.0 0.205 0.515 363,215 2,937 $1B-$10B 90.0 41287 1583 0 Bank of The Pacific Aberdeen WA 80.0 0.226 0.605 150,959 1,033 $500M-$1B 85.0 15177 518 0 Plaza Bk Seattle WA 80.0 0.688 1 77,988 180 $100M-500M 15.0 453 9 0 Summit Bk Concrete WA 80.0 0.41 1 57,799 344 $100M-500M 87.5 6868 210 0 Yakima NB NA Yakima WA 80.0 0.487 0.91 53,494 360 $100M-500M 80.0 4567 167 0 Pacific Intl Bk Seattle WA 77.5 0.356 0.463 98,763 556 $100M-500M 80.0 8608 220 0 State Bk Nw Spokane Valley WA 77.5 0.458 0.996 50,702 289 $100M-500M 75.0 4252 168 0

Bank First Nat Manitowoc WI 100.0 0.383 1 291,831 1,520 $500M-$1B 77.5 27153 896 0 Citizens St Bk Cadott WI 92.5 0.371 1 70,106 427 $100M-500M 67.5 5771 153 0 Westbury Bank West Bend WI 92.5 0.217 0.777 144,991 989 $500M-$1B 92.5 19719 572 0 Community St Bk Union Grove WI 90.0 0.408 0.837 108,360 996 $100M-500M 90.0 23231 700 0 Bank Wausau WaUSAu WI 87.5 0.416 1 36,018 706 <$100M 87.5 9400 410 0 Bank of Luxemburg Luxemburg WI 85.0 0.328 0.83 71,764 661 $100M-500M 77.5 11363 415 0 Bank of Milton Milton WI 85.0 0.387 1 25,696 6,375 <$100M 100.0 25696 6375 0 Legacy Bk Milwaukee WI 85.0 0.42 0.905 99,121 513 $100M-500M 62.5 9670 165 0 Mound City Bk Platteville WI 85.0 0.261 1 70,758 560 $100M-500M 92.5 27858 335 0 BUSiness Bk Appleton WI 82.5 0.418 0.632 151,158 710 $100M-500M 55.0 10567 246 0 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2009

Small Business Lending (<$1M) Micro Business Lending ($100k) HQ State or Institution SSBL$ Name of Lending Institution City Territory Total Rank LSBL/TA LSBL/TBL LSBL$ (1,000) LSBL$# Asset Size Total Rank (1,000) SSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Port Washington St Bk Port Washington WI 82.5 0.265 0.815 99,470 801 $100M-500M 77.5 15587 455 0

Main St Bk Corp Wheeling WV 92.5 0.282 1 58,354 559 $100M-500M 85.0 15023 398 0 Poca Valley Bk Walton WV 92.5 0.21 1 64,185 761 $100M-500M 75.0 10696 530 0 Guaranty B&TC Huntington WV 90.0 0.43 1 59,726 361 $100M-500M 55.0 5952 204 0 First Sentry Bk Huntington WV 87.5 0.293 0.744 100,571 895 $100M-500M 75.0 15460 525 0 Bank of Monroe Union WV 77.5 0.227 1 22,526 425 <$100M 87.5 11249 369 0 Community Bk of Parkersburg Parkersburg WV 77.5 0.137 1 32,243 633 $100M-500M 100.0 32243 633 0 Freedom Bk Belington WV 77.5 0.346 0.772 52,398 377 $100M-500M 52.5 6148 198 0

Buffalo Federal Savings Bank Buffalo WY 85.0 0.305 0.843 45,870 390 $100M-500M 90.0 7000 239 0 First NB of Buffalo Buffalo WY 85.0 0.251 1 46,265 466 $100M-500M 67.5 7266 318 0 Platte Valley Bk Torrington WY 82.5 0.287 0.805 52,320 1,342 $100M-500M 97.5 26159 1244 0

Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. - Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Alaska Pacific Bank Juneau AK 80.0 0.033 0.075 6,180 126 $100M-500M 82.5 55,234 292 0

Farmers & MRCH Bk Piedmont AL 100.0 0.276 1 50,650 1,279 $100M-500M 95.0 50,650 1,279 0 Traders & Farmers Bk Haleyville AL 100.0 0.16 1 56,938 888 $100M-500M 77.5 56,938 888 0 Camden NB Camden AL 97.5 0.343 1 40,880 599 $100M-500M 87.5 40,880 599 0 First Bk of The S Rainsville AL 95.0 0.228 1 19,127 542 <$100M 75.0 19,127 542 0.007 Peoples Bk of Greensboro Greensboro AL 92.5 0.198 1 14,723 439 <$100M 65.0 14,723 439 0.002 Southfirst Bank Sylacauga AL 92.5 0.053 0.234 6,788 171 $100M-500M 87.5 28,982 235 0 Commonwealth NB Mobile AL 90.0 0.146 0.877 11,026 600 <$100M 52.5 11,026 600 0 First Metro Bk Muscle Shoals AL 90.0 0.071 0.23 29,822 1, 164 $100M-500M 100.0 129,598 1,469 0.003 Peachtree Bk Maplesville AL 90.0 0.276 1 18,934 352 <$100M 75.0 18,934 352 0 Small Town Bk Wedowee AL 87.5 0.067 0.283 14,808 552 $100M-500M 77.5 46,647 712 0

Bank of Salem Salem AR 100.0 0.268 1 33,257 822 $100M-500M 90.0 33,257 822 0 First Security Bk Searcy AR 100.0 0.204 1 591,412 6,720 $1B-$10B 92.5 591,412 6,720 0.003 Commercial B&TC Monticello AR 95.0 0.285 1 42,685 489 $100M-500M 82.5 42,685 489 0 Farmers Bk Greenwood AR 92.5 0.179 1 34,602 378 $100M-500M 70.0 34,602 378 0 First NB of Lawrence County Walnut Ridge AR 92.5 0.139 1 23,341 537 $100M-500M 70.0 23,341 537 0.006 First NB of East Arkansas Forrest City AR 90.0 0.101 1 28,656 466 $100M-500M 60.0 28,656 466 0.002 Union Bk of Mena Mena AR 90.0 0.138 1 22,197 523 $100M-500M 65.0 22,197 523 0 Bank of Prescott Prescott AR 87.5 0.187 1 12,976 321 <$100M 67.5 12,976 321 0 First NB Izard County Calico Rock AR 87.5 0.114 1 15,704 418 $100M-500M 57.5 15,704 418 0 Helena NB Helena AR 87.5 0.183 1 29,225 300 $100M-500M 67.5 29,225 300 0.003

Amerika Samoa Bk Pago Pago AS 10.0 0.021 0.144 2,962 101 $100M-500M 10.0 20,502 167 0

Mohave St Bk Lake Havasu City AZ 97.5 0.029 0.066 10,242 355 $100M-500M 72.5 78,919 638 0 Commerce Bk of AZ Tucson AZ 95.0 0.032 0.071 6,368 236 $100M-500M 85.0 67,161 413 0 First St Bk Flagstaff AZ 92.5 0.038 0.096 4,043 109 $100M-500M 67.5 30,361 206 0 Horizon CMTY Bk Lake Havasu City AZ 92.5 0.026 0.078 4,563 144 $100M-500M 80.0 51,125 332 0.002 Country Bk Prescott AZ 87.5 0.023 0.072 3,139 86 $100M-500M 82.5 39,943 224 0 Foothills Bk Yuma AZ 87.5 0.026 0.052 3,526 116 $100M-500M 72.5 41,092 234 0

Bank of The Sierra Porterville CA 100.0 0.026 0.08 33,738 1,105 $1B-$10B 87.5 249,491 1,945 0 California B&TC San Diego CA 100.0 0.029 0.057 298,926 5,450 >$10B 82.5 2,166,075 10,040 0.001 Innovative Bk Oakland CA 100.0 0.158 0.207 43,146 20,224 $100M-500M 92.5 112,598 20,684 0 Temecula Valley Bk Temecula CA 100.0 0.029 0.054 40,555 980 $1B-$10B 80.0 299,063 2,358 0 Bank of Internet USA San Diego CA 97.5 0.041 1 53,884 365 $1B-$10B 80.0 53,884 365 0 Borrego Springs Bk NA La Mesa CA 97.5 0.115 0.148 11,103 2,177 <$100M 87.5 43,748 2,433 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Exchange Bk Santa Rosa CA 97.5 0.019 0.054 30,248 1,072 $1B-$10B 65.0 191,386 1,599 0 Plumas Bk Quincy CA 97.5 0.028 0.094 12,865 544 $100M-500M 75.0 77,243 795 0.003 TRI Cty Bk Chico CA 97.5 0.024 0.072 50,440 2,673 $1B-$10B 85.0 397,912 4,041 0 Community Bk Santa Maria CA 95.0 0.053 0.112 7,119 275 $100M-500M 77.5 42,588 413 0 Heritage Oaks Bk Paso Robles CA 95.0 0.028 0.051 24,169 508 $500M-$1B 85.0 221,803 1,198 0.001 Mission Valley Bk Sun Valley CA 95.0 0.038 0.057 9,907 297 $100M-500M 87.5 91,767 603 0 Murphy Bk Fresno CA 95.0 0.119 1 13,711 455 $100M-500M 57.5 13,711 455 0

Citizens St Bk of Ouray Ouray CO 97.5 0.259 1 20,083 436 <$100M 80.0 20,083 436 0.004 First NB Fort Collins CO 92.5 0.042 0.143 100,935 17,521 $1B-$10B 75.0 354,895 18,730 0.056 Fowler St Bk Fowler CO 92.5 0.104 1 6,327 155 <$100M 52.5 6,327 155 0 Colorado B&TCo f La Junta La Junta CO 90.0 0.055 0.264 5,187 249 <$100M 72.5 18,437 325 0.006 First Co NB Paonia CO 90.0 0.482 1 23,423 124 <$100M 70.0 23,423 124 0 Montrose Bank Montrose CO 90.0 0.037 0.168 7,114 312 $100M-500M 80.0 37,085 464 0 Mountain Valley Bank Walden CO 90.0 0.054 0.123 7,571 257 $100M-500M 85.0 44,588 414 0 Rio Grande S&LA Monte Vista CO 90.0 0.085 1 7,610 67 <$100M 60.0 7,610 67 0 First NB of Las Animas Las Animas CO 87.5 0.032 0.156 7,630 340 $100M-500M 65.0 29,247 427 0 North Valley Bk Thornton CO 87.5 0.05 0.102 6,657 294 $100M-500M 85.0 49,419 440 0

Webster Bk NA Waterbury CT 92.5 0.023 0.08 394,852 25,684 >$10B 65.0 1,732,709 33,101 0 First NB of Litchfield Litchfield CT 87.5 0.023 0.099 12,570 556 $500M-$1B 70.0 78,840 858 0.002 Salisbury B&TC Lakeville CT 82.5 0.017 0.106 9,056 459 $500M-$1B 60.0 58,652 677 0 Connecticut CMNTY Bk Na Westport CT 80.0 0.025 0.055 11,279 281 $100M-500M 72.5 122,157 628 0 New England Bk Enfield CT 80.0 0.02 0.056 13,376 423 $500M-$1B 82.5 162,151 990 0 Newtown SVG Bk Newtown CT 80.0 0.016 0.07 14,252 728 $500M-$1B 62.5 101,962 1,073 0

Industrial Bk Washington DC 80.0 0.01 0.037 3,531 115 $100M-500M 42.5 38,988 212 0.001

Chase Bk USA NA Newark DE 97.5 0.065 0.856 6,038,230 1,761,158 >$10B 80.0 6,122,181 1,762,634 0.634 FIA Card Svc NA Wilmington DE 97.5 0.086 0.968 11,110,000 3,359,370 >$10B 85.0 11,460,000 3,368,352 0.483 Barclays Bk DE Wilmington DE 85.0 0.019 0.994 220,974 41,849 >$10B 70.0 222,202 41,854 0.879

First Federal Bank of Florid Lake City FL 100.0 0.235 1 148,579 880 $500M-$1B 100.0 148,579 880 0.001 First NB of Wauchula Wauchula FL 100.0 0.199 1 16,699 332 <$100M 65.0 16,699 332 0 Perkins St Bk Williston FL 100.0 0.063 0.226 11,743 429 $100M-500M 72.5 34,011 531 0 Capital City Bk Tallahassee FL 97.5 0.024 0.097 60,922 2,928 $1B-$10B 67.5 267,878 3,929 0 Coastal CMNTY Bk Panama City Beach FL 97.5 0.109 0.404 41,719 282 $100M-500M 82.5 78,159 402 0 Heritage Bk of Fl Lutz FL 97.5 0.047 0.092 11,951 339 $100M-500M 92.5 101,492 618 0 Highlands Indep Bk Sebring FL 97.5 0.032 0.145 10,585 381 $100M-500M 82.5 64,777 594 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Wauchula St Bk Wauchula FL 97.5 0.03 0.14 17,641 759 $500M-$1B 82.5 97,868 1,069 0 Bank of Bonifay Bonifay FL 95.0 0.033 0.219 8,154 235 $100M-500M 62.5 30,486 337 0 Centerstate Bk NA Zephyrhills FL 95.0 0.032 0.084 11,568 369 $100M-500M 87.5 93,492 694 0 Drummond CMNTY Bk Chiefland FL 95.0 0.038 0.249 6,843 323 $100M-500M 62.5 23,752 401 0 Farmers & MRCH Bk Monticello FL 95.0 0.03 0.085 13,970 592 $100M-500M 85.0 103,728 948 0 Pilot Bk Tampa FL 95.0 0.035 0.083 8,918 531 $100M-500M 97.5 107,653 755 0 Platinum Bk Brandon FL 95.0 0.036 0.073 13,964 330 $100M-500M 95.0 123,193 677 0 Premier Bk Tallahassee FL 95.0 0.031 0.077 13,187 542 $100M-500M 87.5 109,904 939 0 Putnam St Bk Palatka FL 95.0 0.057 0.089 11,132 269 $100M-500M 80.0 64,765 499 0 Riverside NB of FL Fort Pierce FL 95.0 0.016 0.099 56,475 2,784 $1B-$10B 75.0 359,596 3,907 0 Sunshine St CMNTY Bk Port Orange FL 95.0 0.039 0.098 6,685 250 $100M-500M 85.0 55,402 411 0 Wakulla Bk Crawfordville FL 95.0 0.023 0.092 11,801 481 $500M-$1B 82.5 89,912 772 0

BB&T Financial FSB Columbus GA 100.0 0.2 1 404,653 180,062 $1B-$10B 100.0 404,653 180,062 0.612 Citizens Bk Washington Cty Sandersville GA 100.0 0.236 1 53,884 750 $100M-500M 85.0 53,884 750 0.002 Farmers St Bk Dublin GA 100.0 0.501 1 59,199 850 $100M-500M 90.0 59,199 850 0 Glennville Bk Glennville GA 100.0 0.264 1 35,493 668 $100M-500M 82.5 35,493 668 0 Jasper Bkg Co Jasper GA 100.0 0.088 0.379 23,431 811 $100M-500M 80.0 50,626 1,026 0 Patriot Bk of GA Cumming GA 100.0 0.421 1 69,527 9,154 $100M-500M 97.5 69,527 9,154 0 Bank of Hancock CTY Sparta GA 97.5 0.138 1 11,537 9,057 <$100M 62.5 11,537 9,057 0 Bank of Hazlehurst Hazlehurst GA 97.5 0.475 1 39,812 564 <$100M 85.0 39,812 564 0 South Ga Bkg Co Omega GA 97.5 0.073 0.388 21,512 1,052 $100M-500M 80.0 52,280 1,213 0 Tippins B&TC Claxton GA 97.5 0.364 1 22,219 490 <$100M 80.0 22,219 490 0

BankPacific Ltd Hagatna GU 62.5 0.013 0.056 1,190 37 <$100M 82.5 21,374 90 0

American Savings Bank FSB Honolulu HI 77.5 0.009 0.055 44,815 2,806 $1B-$10B 65.0 153,850 3,537 0.005

Community First Bk Keosauqua IA 100.0 0.142 1 17,333 607 $100M-500M 80.0 17,333 607 0.002 Farmers T&SB Buffalo Center IA 100.0 0.127 1 19,038 433 $100M-500M 75.0 19,038 433 0 Libertyville SVG Bk Fairfield IA 100.0 0.256 1 40,765 699 $100M-500M 97.5 40,765 699 0.001 Corydon St Bk Corydon IA 97.5 0.215 1 13,823 461 <$100M 82.5 13,823 461 0.003 First NB of Hampton Hampton IA 97.5 0.138 1 14,418 412 $100M-500M 72.5 14,418 412 0 Freedombank Elkader IA 97.5 0.156 1 36,152 599 $100M-500M 85.0 36,152 599 0 Gateway St Bk Clinton IA 97.5 0.247 1 26,421 453 $100M-500M 87.5 26,421 453 0 Liberty Bank FSB West Des Moines IA 97.5 0.108 0.236 124,977 1,425 $1B-$10B 82.5 243,328 1,888 0.002 Northstar Bk Estherville IA 97.5 0.178 1 14,519 319 <$100M 80.0 14,519 319 0 Northwest Bank And Trust Com Davenport IA 97.5 0.068 0.22 13,191 494 $100M-500M 87.5 49,242 665 0.003 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

First Federal SB of Twin Falls Twin Falls ID 92.5 0.028 0.137 12,494 446 $100M-500M 82.5 69,266 696 0.004

Petefish Skiles & Co Virginia IL 100.0 0.137 1 22,164 1,034 $100M-500M 77.5 22,164 1,034 0.003 State Bk Arthur Arthur IL 100.0 0.254 1 22,719 6,347 <$100M 87.5 22,719 6,347 0 State Bk of Graymont Graymont IL 100.0 0.13 1 17,580 545 $100M-500M 75.0 17,580 545 0 Bank of Pontiac Pontiac IL 97.5 0.233 1 65,542 396 $100M-500M 90.0 65,542 396 0 Beverly B&TCNA Chicago IL 97.5 0.3 0.566 81,876 6,836 $100M-500M 87.5 98,615 6,903 0 Central St Bk Clayton IL 97.5 0.174 1 16,039 1,916 <$100M 77.5 16,039 1,916 0 First Robinson SB NA Robinson IL 97.5 0.116 1 20,310 304 $100M-500M 70.0 20,310 304 0 Ipava St Bk Ipava IL 97.5 0.211 1 17,222 312 <$100M 82.5 17,222 312 0 Marine B&T Carthage IL 97.5 0.177 1 34,782 428 $100M-500M 85.0 34,782 428 0 State Bk Toulon Toulon IL 97.5 0.113 1 18,443 430 $100M-500M 70.0 18,443 430 0.002 Tompkins St Bk Avon IL 97.5 0.141 1 22,860 264 $100M-500M 70.0 22,860 264 0

Kentland Bk Kentland IN 100.0 0.224 1 51,237 44,063 $100M-500M 87.5 51,237 44,063 0.001 Crossroads Bank Wabash IN 97.5 0.055 0.197 18,288 792 $100M-500M 82.5 58,925 998 0 Security Federal Savings Bank Logansport IN 97.5 0.177 1 31,958 335 $100M-500M 85.0 31,958 335 0 Demotte St Bk De Motte IN 92.5 0.08 0.355 26,554 566 $100M-500M 65.0 57,478 707 0.001 Americantrust Federal Saving Peru IN 90.0 0.047 0.162 5,494 166 $100M-500M 87.5 33,973 257 0 First Federal Savings Bank O Angola IN 90.0 0.043 1 5,928 59 $100M-500M 55.0 5,928 59 0 First Harrison Bank Corydon IN 90.0 0.026 0.138 11,770 298 $100M-500M 77.5 52,650 485 0.001 Fowler St Bk Fowler IN 90.0 0.128 1 17,697 356 $100M-500M 57.5 17,697 356 0.007 Bank of Wolcott Wolcott IN 87.5 0.188 1 16,265 311 <$100M 62.5 16,265 311 0.003 Campbell & Fetter Bk Kendallville IN 87.5 0.087 1 20,474 252 $100M-500M 47.5 20,474 252 0 First FSB of Washington Washington IN 87.5 0.058 1 4,124 69 <$100M 57.5 4,124 69 0 Marklebank Markle IN 87.5 0.058 0.208 17,241 599 $100M-500M 80.0 71,856 815 0 Mutualbank Muncie IN 87.5 0.015 0.084 20,194 725 $1B-$10B 80.0 142,285 1,225 0.001 North Salem St Bk North Salem IN 87.5 0.094 0.359 12,823 410 $100M-500M 80.0 35,701 522 0

Union St Bk Everest KS 100.0 0.252 1 28,078 501 $100M-500M 92.5 28,078 501 0 Visio NB ank Topeka KS 100.0 0.464 1 32,431 14,737 <$100M 97.5 32,431 14,737 0 Citizens St Bk Gridley KS 97.5 0.185 1 15,683 337 <$100M 85.0 15,683 337 0 First St Bk Norton KS 97.5 0.146 1 37,648 478 $100M-500M 80.0 37,648 478 0 Tampa St Bk Tampa KS 95.0 0.186 1 8,195 1,540 <$100M 77.5 8,195 1,540 0 Bank of Holyrood Holyrood KS 92.5 0.182 1 7,135 178 <$100M 72.5 7,135 178 0 First NB in Fredonia Fredonia KS 92.5 0.101 1 8,084 243 <$100M 67.5 8,084 243 0 First NB of Southern KS Mount Hope KS 92.5 0.365 1 22,320 267 <$100M 82.5 22,320 267 0 Guaranty St B&TC Beloit KS 92.5 0.103 1 13,762 225 $100M-500M 70.0 13,762 225 0 Wilson St Bk Wilson KS 92.5 0.277 1 10,468 237 <$100M 77.5 10,468 237 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Peoples Bk of KY Inc Flemingsburg KY 100.0 0.234 1 43,339 937 $100M-500M 90.0 43,339 937 0.003 Bank of Edmonson CTY Brownsville KY 97.5 0.094 0.377 18,331 980 $100M-500M 85.0 48,207 1,127 0 Citizens Deposit Bk Arlington KY 97.5 0.142 1 22,197 521 $100M-500M 72.5 22,197 521 0 Lewisburg Bkg Co Lewisburg KY 92.5 0.265 1 17,890 308 <$100M 75.0 17,890 308 0 The Murray Bank Murray KY 92.5 0.04 0.163 7,905 334 $100M-500M 70.0 27,090 406 0 Central Bank FSB Nicholasville KY 90.0 0.055 0.145 9,579 317 $100M-500M 80.0 42,880 458 0.003 Commercial Bk West Liberty KY 90.0 0.12 1 14,662 239 $100M-500M 52.5 14,662 239 0 Elkton B&TC Elkton KY 90.0 0.131 1 14,352 287 $100M-500M 60.0 14,352 287 0.002 Casey County Bk Liberty KY 87.5 0.061 0.398 9,093 581 $100M-500M 70.0 22,696 656 0 Citizens NB of Lebanon Lebanon KY 87.5 0.055 1 6,035 2,406 $100M-500M 52.5 6,035 2,406 0 First Guaranty Bk Martin KY 87.5 0.183 1 10,338 252 <$100M 62.5 10,338 252 0 Owingsville Bkg Co Owingsville KY 87.5 0.116 1 7,587 410 <$100M 55.0 7,587 410 0 Peoples Exch Bk Stanton KY 87.5 0.051 0.188 15,282 786 $100M-500M 82.5 66,388 1,037 0

Farmers-Merchants B&TC Breaux Bridge LA 100.0 0.354 1 87,732 22,332 $100M-500M 95.0 87,732 22,332 0 Florida Parishes Bank Hammond LA 100.0 0.177 1 31,480 805 $100M-500M 90.0 31,480 805 0.004 Bank of Ruston Ruston LA 97.5 0.188 1 14,994 182 <$100M 77.5 14,994 182 0 Marion St Bk Marion LA 97.5 0.213 1 27,585 496 $100M-500M 77.5 27,585 496 0 Homeland Federal Savings Bank Columbia LA 95.0 0.086 0.289 11,173 486 $100M-500M 85.0 35,416 601 0 Vermilion B&TC Kaplan LA 95.0 0.295 1 26,593 399 <$100M 77.5 26,593 399 0.007 Tensas St Bk Newellton LA 92.5 0.293 1 31,167 403 $100M-500M 77.5 31,167 403 0 Bank of Erath Erath LA 90.0 0.39 1 31,540 323 <$100M 77.5 31,540 323 0 Guaranty B&TC of Delhi La Delhi LA 90.0 0.138 1 16,298 344 $100M-500M 60.0 16,298 344 0.005 Beauregard FSB Deridder LA 87.5 0.096 1 4,022 57 <$100M 65.0 4,022 57 0 City SVG B&TC Deridder LA 87.5 0.095 0.316 16,037 631 $100M-500M 90.0 50,716 747 0.007 Gulf Coast Bk Abbeville LA 87.5 0.077 0.189 19,278 861 $100M-500M 80.0 70,258 1,081 0 Home Bank Lafayette LA 87.5 0.021 0.08 10,578 431 $100M-500M 95.0 129,169 714 0.001 MBL Bank Minden LA 87.5 0.027 0.158 4,930 188 $100M-500M 75.0 25,548 282 0

Enterprise B&TC Lowell MA 95.0 0.04 0.069 50,409 1,585 $1B-$10B 87.5 405,311 2,980 0 North Middlesex SVG Bk Ayer MA 95.0 0.034 0.139 11,403 410 $100M-500M 72.5 59,361 591 0 Bankfive Fall River MA 87.5 0.018 0.069 12,482 649 $500M-$1B 72.5 99,717 1,002 0 Bristol Cty SVG Bk Taunton MA 87.5 0.017 0.06 20,486 640 $1B-$10B 85.0 204,654 1,154 0 East Boston SVG Bk Boston MA 87.5 0.258 1 292,729 138 $1B-$10B 80.0 292,729 138 0 United Bank West Springfield MA 87.5 0.019 0.084 23,566 1,020 $1B-$10B 75.0 128,554 1,469 0 Avidia Bk Hudson MA 85.0 0.015 0.061 14,713 724 $500M-$1B 75.0 128,977 1,185 0 Berkshire Bk Pittsfield MA 85.0 0.015 0.05 39,939 1,772 $1B-$10B 70.0 315,729 2,950 0 Brookline Bank Brookline MA 85.0 0.018 0.063 47,311 1,397 $1B-$10B 77.5 326,759 2,268 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Cape Cod Five Cents SVG Bk Harwich Port MA 85.0 0.013 0.068 25,155 1,199 $1B-$10B 80.0 227,238 1,972 0 Clinton SVG Bk Clinton MA 85.0 0.025 0.155 11,974 155 $100M-500M 52.5 44,467 266 0

Damascus CMNTY Bk Damascus MD 100.0 0.062 0.153 13,769 565 $100M-500M 80.0 67,191 800 0 New Windsor St Bk New Windsor MD 97.5 0.063 0.161 13,481 649 $100M-500M 72.5 58,386 811 0 Peoples Bk Chestertown MD 95.0 0.051 0.138 12,745 481 $100M-500M 72.5 65,070 725 0 Provident St Bk Preston MD 95.0 0.053 0.133 12,870 468 $100M-500M 87.5 84,109 781 0 American Bank Rockville MD 90.0 0.021 0.099 13,378 366 $500M-$1B 72.5 69,684 625 0 Bank of The Eastern Shore Cambridge MD 90.0 0.051 0.112 12,026 432 $100M-500M 82.5 78,092 727 0 Hagerstown TC Hagerstown MD 85.0 0.021 0.089 11,553 550 $500M-$1B 60.0 70,621 862 0 Hebron SVG Bk Hebron MD 85.0 0.03 0.118 13,012 370 $100M-500M 77.5 85,187 657 0 County First Bk La Plata MD 80.0 0.048 0.11 8,479 246 $100M-500M 80.0 61,004 422 0

Franklin SVG Bk Farmington ME 95.0 0.241 1 73,994 1,263 $100M-500M 75.0 73,994 1,263 0 Rockland Savings Bank FSB Rockland ME 92.5 0.09 1 6,214 102 <$100M 62.5 6,214 102 0 Katahdin TC Patten ME 87.5 0.074 0.181 35,769 1,482 $100M-500M 77.5 136,616 2,011 0 Savings Bank of Maine Gardiner ME 87.5 0.028 0.063 27,423 1,269 $500M-$1B 85.0 221,007 2,141 0.001

Superior NB &TC Hancock MI 95.0 0.057 0.273 22,680 731 $100M-500M 60.0 66,164 951 0 Peninsula Bk Ishpeming MI 92.5 0.137 0.313 18,415 480 $100M-500M 80.0 58,155 664 0.003 First Bk Upper Michigan Gladstone MI 90.0 0.113 0.317 17,914 389 $100M-500M 70.0 51,639 537 0.001 Huron NB Rogers City MI 90.0 0.25 1 12,527 350 <$100M 57.5 12,527 350 0 First Federal of Northern MI Alpena MI 87.5 0.026 0.112 6,196 251 $100M-500M 80.0 40,897 380 0.002 FirstBank W Br West Branch MI 87.5 0.059 0.179 14,663 416 $100M-500M 62.5 63,968 534 0 Alden St Bk Alden MI 85.0 0.072 0.196 12,567 512 $100M-500M 82.5 61,031 731 0.003 Community Shores Bk Muskegon MI 85.0 0.071 0.134 17,670 451 $100M-500M 75.0 94,874 706 0.002 First NB America East Lansing MI 85.0 0.038 0.44 17,398 409 $100M-500M 52.5 39,537 587 0 Hillsdale Cty NB Hillsdale MI 85.0 0.049 0.15 15,521 481 $100M-500M 75.0 86,813 815 0

Farmers & Merchants St Bk Blooming Prairie MN 97.5 0.262 1 17,040 360 <$100M 75.0 17,040 360 0 First St Bk of Le Center Le Center MN 97.5 0.176 1 10,942 1,091 <$100M 70.0 10,942 1,091 0 Lake Region Bk New London MN 97.5 0.419 1 42,797 524 $100M-500M 87.5 42,797 524 0 Prinsbank Prinsburg MN 97.5 0.497 1 25,353 340 <$100M 85.0 25,353 340 0 Citizens St Bk of Hayfield Hayfield MN 95.0 0.267 1 16,593 336 <$100M 70.0 16,593 336 0 Clinton St Bk Clinton MN 95.0 0.147 1 8,802 274 <$100M 57.5 8,802 274 0 Elysian Bk Elysian MN 95.0 0.275 1 9,980 4,707 <$100M 72.5 9,980 4,707 0 Farmers St Bk of Darwin Darwin MN 95.0 0.232 1 5,948 1,258 <$100M 72.5 5,948 1,258 0 First NB in Mahnomen Mahnomen MN 95.0 0.312 1 20,466 299 <$100M 75.0 20,466 299 0 First NB of Coleraine Coleraine MN 95.0 0.132 1 8,853 8,837 <$100M 65.0 8,853 8,837 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Grand Timber Bk Mcgregor MN 95.0 0.294 1 14,267 246 <$100M 77.5 14,267 246 0.005

Bank of Advance Advance MO 100.0 0.14 1 31,088 731 $100M-500M 75.0 31,088 731 0 Community St Bk of Missouri Bowling Green MO 100.0 0.22 1 40,214 800 $100M-500M 85.0 40,214 800 0 Shelter Financial Bank Columbia MO 100.0 0.117 1 22,029 574 $100M-500M 85.0 22,029 574 0 Century Bk of The Ozarks Gainesville MO 97.5 0.22 1 36,476 630 $100M-500M 87.5 36,476 630 0 Heartland Bank St. Louis MO 97.5 0.088 0.273 86,437 3,459 $500M-$1B 82.5 152,816 3,735 0.001 Peoples Community Bk Greenville MO 97.5 0.293 1 24,953 422 <$100M 82.5 24,953 422 0.001 Peoples SVG Bk of Rhineland Rhineland MO 97.5 0.18 1 28,960 6,456 $100M-500M 80.0 28,960 6,456 0 Saint Clair Cty St Bk Osceola MO 97.5 0.187 1 20,583 400 $100M-500M 75.0 20,583 400 0 Community Bk of El Dorado Sp El Dorado Springs MO 95.0 0.18 1 15,788 427 <$100M 72.5 15,788 427 0 County Bk Brunswick MO 95.0 0.26 1 19,799 306 <$100M 77.5 19,799 306 0 Maries County Bk Vienna MO 95.0 0.08 0.448 21,791 1,245 $100M-500M 80.0 48,635 1,361 0 O Bannon Bkg Co Buffalo MO 95.0 0.193 1 27,026 397 $100M-500M 80.0 27,026 397 0 Progressive Ozark Bank FSB Salem MO 95.0 0.08 1 8,971 206 $100M-500M 72.5 8,971 206 0 Union SVG Bk Sedalia MO 95.0 0.251 1 24,591 407 <$100M 77.5 24,591 407 0

First St Bk Waynesboro MS 97.5 0.29 1 115,632 1,291 $100M-500M 95.0 115,632 1,291 0.001 Grand Bank For Savings FSB Hattiesburg MS 97.5 0.044 0.618 6,305 2,728 $100M-500M 77.5 10,199 2,755 0 Farmers & Merchants Bk Baldwyn MS 95.0 0.329 1 62,498 1,296 $100M-500M 90.0 62,498 1,296 0.005 Bank of Wiggins Wiggins MS 90.0 0.225 1 41,039 897 $100M-500M 75.0 41,039 897 0 First NB of Pontotoc Pontotoc MS 90.0 0.164 1 37,116 845 $100M-500M 70.0 37,116 845 0 Bank of Holly Springs Holly Springs MS 87.5 0.19 1 33,379 547 $100M-500M 67.5 33,379 547 0 Peoples Bk Mendenhall MS 87.5 0.231 1 42,882 898 $100M-500M 77.5 42,882 898 0 Bank of Kilmichael Kilmichael MS 82.5 0.356 1 25,423 321 <$100M 67.5 25,423 321 0 Bank of Okolona Okolona MS 82.5 0.23 1 20,040 335 <$100M 65.0 20,040 335 0 Citizens Bk Byhalia MS 82.5 0.149 1 8,999 7,599 <$100M 62.5 8,999 7,599 0 First American NB Iuka MS 82.5 0.108 1 23,471 488 $100M-500M 50.0 23,471 488 0

Beartooth Bk Billings MT 100.0 0.461 1 25,372 801 <$100M 90.0 25,372 801 0 Lake County Bk Saint Ignatius MT 95.0 0.256 1 7,439 1,059 <$100M 72.5 7,439 1,059 0 1st Bk Sidney MT 87.5 0.136 1 13,746 226 $100M-500M 50.0 13,746 226 0 First St Bk of Malta Malta MT 82.5 0.121 1 13,211 221 $100M-500M 45.0 13,211 221 0 Stockmens Bk Cascade MT 82.5 0.18 1 4,421 231 <$100M 52.5 4,421 231 0 Three Rivers Bk of MT Kalispell MT 82.5 0.081 0.255 8,793 834 $100M-500M 67.5 28,993 1,033 0.008 American Federal Savings Bank Helena MT 80.0 0.014 0.125 3,857 147 $100M-500M 80.0 30,789 252 0

First Bk Troy NC 92.5 0.028 0.129 100,429 3,953 $1B-$10B 75.0 544,569 5,809 0.002 Cherryville FS & LA Cherryville NC 90.0 0.096 1 8,978 73 <$100M 67.5 8,978 73 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Yadkin Valley B&TC Elkin NC 90.0 0.033 0.096 71,924 2,812 $1B-$10B 77.5 442,415 4,286 0.003 Surrey B&T Mount Airy NC 87.5 0.083 0.16 16,922 724 $100M-500M 77.5 79,018 1,029 0 AF Bank West Jefferson NC 85.0 0.02 0.102 5,864 208 $100M-500M 77.5 42,532 353 0 Bank of Granite Granite Falls NC 85.0 0.036 0.071 39,759 1,453 $1B-$10B 80.0 329,300 2,644 0 Citizens South Bank Gastonia NC 85.0 0.017 0.057 14,126 461 $500M-$1B 82.5 131,498 875 0 Cornerstone Bk Wilson NC 85.0 0.058 0.192 12,009 333 $100M-500M 65.0 49,708 485 0 Lumbee Guaranty Bk Pembroke NC 85.0 0.042 0.168 10,233 404 $100M-500M 60.0 47,057 559 0 Midcarolina Bk Burlington NC 85.0 0.041 0.107 22,594 578 $500M-$1B 90.0 173,607 2,067 0 Southern B&TC Mount Olive NC 85.0 0.025 0.13 30,581 1,189 $1B-$10B 65.0 157,464 1,766 0

First United Bk Park River ND 97.5 0.162 1 19,288 475 $100M-500M 82.5 19,288 475 0 Western St Bk Devils Lake ND 92.5 0.185 0.465 76,034 4,082 $100M-500M 85.0 138,298 4,350 0.002 First International B&TC Watford City ND 90.0 0.111 0.343 101,828 1,258 $500M-$1B 75.0 181,526 1,642 0.009 US Bk NA ND Fargo ND 87.5 0.125 0.332 637,009 204,809 $1B-$10B 70.0 820,409 208,342 0.142 Drayton St Bk Drayton ND 85.0 0.143 1 6,681 196 <$100M 62.5 6,681 196 0.003 McKenzie County Bk Watford City ND 85.0 0.163 1 9,779 159 <$100M 62.5 9,779 159 0 Lakeside St Bk New Town ND 82.5 0.074 1 11,178 160 $100M-500M 55.0 11,178 160 0 Sargent County Bk Forman ND 82.5 0.08 1 6,164 221 <$100M 57.5 6,164 221 0 First St Bk of Golva Golva ND 80.0 0.124 1 6,429 166 <$100M 62.5 6,429 166 0 First St Bk of ND Arthur ND 80.0 0.061 0.364 12,318 278 $100M-500M 67.5 30,960 389 0 Garrison St Bk & TR Garrison ND 80.0 0.129 1 8,922 158 <$100M 60.0 8,922 158 0 Security First Bk of ND New Salem ND 80.0 0.088 0.267 10,650 449 $100M-500M 77.5 36,289 556 0.003

Wahoo St Bk Wahoo NE 100.0 0.2 1 12,958 657 <$100M 87.5 12,958 657 0 Nebraska St B&TC Broken Bow NE 97.5 0.117 1 15,624 419 $100M-500M 75.0 15,624 419 0 Commercial St Bk WaUSA NE 95.0 0.324 1 21,816 353 <$100M 90.0 21,816 353 0.002 Gothe NB urg St B&TC Gothe NB urg NE 95.0 0.17 1 18,034 317 $100M-500M 85.0 18,034 317 0 Butte St Bk Butte NE 92.5 0.145 1 6,644 163 <$100M 72.5 6,644 163 0.002 Elkhorn Valley B&TC Norfolk NE 92.5 0.099 0.481 37,616 790 $100M-500M 95.0 78,212 981 0.002 First NB in Ord Ord NE 92.5 0.087 1 7,482 295 <$100M 67.5 7,482 295 0 State Bk Table Rock NE 92.5 0.219 1 10,940 225 <$100M 82.5 10,940 225 0 Bank of Elgin Elgin NE 90.0 0.169 1 6,881 201 <$100M 72.5 6,881 201 0 First NB &TC of ColumBUS ColumBUS NE 90.0 0.093 0.363 37,888 7,943 $100M-500M 77.5 66,573 8,190 0.159 Home FS&LA of Grand Island Grand Island NE 90.0 0.039 0.126 7,059 300 $100M-500M 77.5 35,481 398 0

Monadnock Community Bank Peterborough NH 87.5 0.034 0.154 4,295 154 $100M-500M 82.5 26,679 262 0 Bank of New England Salem NH 85.0 0.05 0.093 23,583 3,790 $100M-500M 62.5 90,692 3,980 0 Mascoma Savings Bank Lebanon NH 85.0 0.014 0.069 12,306 504 $500M-$1B 75.0 88,490 829 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Cornerstone Bk Moorestown NJ 97.5 0.041 0.082 11,994 404 $100M-500M 92.5 145,439 745 0 1st Colonial NB Collingswood NJ 95.0 0.038 0.139 9,126 243 $100M-500M 77.5 56,815 443 0 Bank Woodbury NJ 92.5 0.018 0.041 37,936 1,692 $1B-$10B 77.5 465,410 3,509 0 Harvest CMNTY Bk Pennsville NJ 90.0 0.042 0.108 8,540 209 $100M-500M 80.0 57,433 396 0 Millennium Bcpbank NA Newark NJ 90.0 0.018 0.048 14,289 368 $500M-$1B 60.0 108,184 698 0 Newfield NB Newfield NJ 90.0 0.021 0.063 10,689 372 $500M-$1B 75.0 99,709 691 0.002 Atlantic Stewardship Bk Midland Park NJ 87.5 0.018 0.047 11,381 372 $500M-$1B 75.0 128,815 800 0 First NB of Elmer Elmer NJ 87.5 0.023 0.071 5,167 153 $100M-500M 65.0 43,944 307 0 Sussex Bk Franklin NJ 87.5 0.022 0.051 10,057 266 $100M-500M 77.5 114,109 585 0 Heritage Community Bk Randolph NJ 85.0 0.038 0.073 4,886 131 $100M-500M 77.5 55,953 324 0 Skylands CMNTY Bk Hackettstown NJ 85.0 0.015 0.035 20,109 996 $1B-$10B 80.0 290,797 2,164 0 Valley NB Passaic NJ 85.0 0.013 0.038 181,909 2,129 >$10B 65.0 1,731,686 5,945 0.001

Pioneer Bank Roswell NM 100.0 0.071 1 38,799 405 $500M-$1B 77.5 38,799 405 0 American Heritage Bk Clovis NM 90.0 0.251 1 15,238 267 <$100M 65.0 15,238 267 0 James Polk Stone NB Portales NM 90.0 0.071 0.289 10,450 381 $100M-500M 80.0 32,668 489 0 Bank of The Rio Grande NA Las Cruces NM 87.5 0.063 0.196 6,723 301 $100M-500M 87.5 34,380 442 0 Western CMRC Bk Carlsbad NM 87.5 0.048 0.145 14,727 1,978 $100M-500M 60.0 45,765 2,157 0

M & I Bank FSB Las Vegas NV 100.0 0.051 1 114,270 5,715 $1B-$10B 85.0 114,270 5,715 0.123 Farm Bureau Bank FSB Sparks NV 97.5 0.049 0.276 27,234 3,842 $500M-$1B 62.5 30,329 3,885 0.234 Heritage Bk of NY Reno NV 95.0 0.029 0.051 10,955 470 $100M-500M 82.5 113,297 723 0

First NB of Scotia Scotia NY 97.5 0.052 0.262 17,346 1,054 $100M-500M 75.0 55,742 1,263 0.001 Solvay Bk Solvay NY 97.5 0.043 0.203 23,052 1,005 $500M-$1B 87.5 97,416 1,471 0.005 Canandaigua NB&TC Canandaigua NY 92.5 0.038 0.105 56,663 2,855 $1B-$10B 77.5 238,862 3,575 0 Watertown SVG Bk Watertown NY 92.5 0.041 0.143 16,277 646 $100M-500M 85.0 95,504 1,011 0 Bank of Castile Castile NY 90.0 0.032 0.107 24,140 858 $500M-$1B 82.5 141,076 1,419 0 First NB of Groton Groton NY 90.0 0.118 1 13,522 406 $100M-500M 62.5 13,522 406 0.003 NBT Bk NA Whitney Point NY 90.0 0.024 0.108 129,593 7,251 $1B-$10B 77.5 652,879 10,336 0 Oneida SVG Bk Oneida NY 90.0 0.037 0.205 20,637 680 $500M-$1B 75.0 77,332 910 0 Ponce De Leon Federal Bank Bronx NY 90.0 0.031 0.14 21,950 269 $500M-$1B 82.5 103,862 556 0 Provident Bank Montebello NY 90.0 0.025 0.094 69,992 2,100 $1B-$10B 95.0 743,897 3,368 0 Steuben Tc Hornell NY 90.0 0.038 0.207 13,307 530 $100M-500M 80.0 64,183 719 0

American Savings Bank FSB Portsmouth OH 97.5 0.083 0.377 17,991 305 $100M-500M 87.5 46,993 404 0 Miami Savings Bank Miamitown OH 95.0 0.208 1 24,104 110 $100M-500M 82.5 24,104 110 0 Nationwide Bank ColumBUS OH 95.0 0.019 0.32 49,106 1,333 $1B-$10B 80.0 140,695 1,771 0.022 First Federal Community Bank Dover OH 92.5 0.057 0.132 10,839 393 $100M-500M 85.0 60,988 603 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Home City FSB of Springfield Springfield OH 92.5 0.042 0.154 5,984 196 $100M-500M 85.0 36,027 348 0 Peoples FS & LA Sidney OH 92.5 0.042 0.217 5,642 236 $100M-500M 70.0 18,273 305 0 Savings Bk Circleville OH 92.5 0.093 1 21,305 220 $100M-500M 55.0 21,305 220 0.001 First Central NB Saint Paris OH 90.0 0.178 1 12,868 179 <$100M 62.5 12,868 179 0.002 Home NB Racine OH 90.0 0.143 1 8,087 240 <$100M 55.0 8,087 240 0 The Cincinnatus Savings & Lo Cincinna ti OH 90.0 0.065 1 6,298 75 <$100M 57.5 6,298 75 0

Pauls Valley NB Pauls Valley OK 100.0 0.2 1 31,357 701 $100M-500M 85.0 31,357 701 0 Security First NB of Hugo Hugo OK 97.5 0.154 1 15,935 359 $100M-500M 72.5 15,935 359 0 First NB &TC Weatherford OK 95.0 0.329 1 34,161 318 $100M-500M 85.0 34,161 318 0.006 Payne Cty Bk Perkins OK 95.0 0.16 1 17,261 319 $100M-500M 70.0 17,261 319 0 American EXCH Bk Henryetta OK 92.5 0.162 1 11,801 326 <$100M 70.0 11,801 326 0 Bank of Cushing & TC Cushing OK 92.5 0.216 1 18,831 264 <$100M 70.0 18,831 264 0 Farmers St Bk Quinton OK 92.5 0.19 1 12,385 275 <$100M 75.0 12,385 275 0 Oklahoma St Bk Vinita OK 92.5 0.381 1 31,573 291 <$100M 82.5 31,573 291 0 Peoples NB of Checotah Checotah OK 92.5 0.094 1 11,132 355 $100M-500M 65.0 11,132 355 0 Stockmans Bank Altus OK 92.5 0.139 1 15,977 417 $100M-500M 67.5 15,977 417 0

Libertybank Eugene OR 100.0 0.097 0.221 84,963 3,368 $500M-$1B 70.0 211,423 3,862 0 Bank of Eastern OR Heppner OR 82.5 0.031 0.13 7,279 258 $100M-500M 47.5 36,775 399 0.002 Citizens Bk Corvallis OR 82.5 0.03 0.07 12,060 429 $100M-500M 60.0 92,700 777 0

CNB Bk Clearfield PA 100.0 0.125 0.348 128,522 2,290 $1B-$10B 85.0 236,017 2,902 0.003 Community B&TC Clarks Summit PA 97.5 0.1 0.241 60,681 2,122 $500M-$1B 80.0 148,289 2,747 0.002 Eureka Bank Pittsburgh PA 97.5 0.33 1 35,369 296 $100M-500M 85.0 35,369 296 0 Elderton St Bk Elderton PA 95.0 0.112 0.227 19,648 2,077 $100M-500M 87.5 74,833 2,457 0 Franklin Security Bank Plains PA 95.0 0.043 0.283 9,267 1,388 $100M-500M 87.5 32,720 1,475 0 Mercer Cty St Bk Sandy Lake PA 95.0 0.073 0.35 19,791 798 $100M-500M 77.5 56,548 981 0 Peoples St Bk of Wyalusing Wyalusing PA 92.5 0.079 0.278 16,929 662 $100M-500M 75.0 54,533 859 0.003 Citizens & Northern Bk Wellsboro PA 90.0 0.027 0.157 32,607 1,449 $1B-$10B 65.0 127,931 1,790 0 First Citizens NB Mansfield PA 90.0 0.036 0.185 25,702 849 $500M-$1B 80.0 113,853 1,289 0 Gratz NB Gratz PA 90.0 0.134 1 17,636 282 $100M-500M 55.0 17,636 282 0

Banco Bilbao Vizcaya Argenta San Juan PR 77.5 0.013 0.073 74,176 2,869 $1B-$10B 52.5 392,964 4,307 0.011

Bank Rhode Island Providence RI 70.0 0.015 0.042 23,531 2,219 $1B-$10B 65.0 261,374 4,109 0

Enterprise Bk of SC Ehrhardt SC 97.5 0.134 0.433 53,913 1,146 $100M-500M 62.5 78,946 1,302 0.001 Anderson Bros Bk Mullins SC 90.0 0.078 0.368 35,767 1,166 $100M-500M 70.0 86,298 1,411 0.002 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Citizens Bk Olanta SC 90.0 0.088 0.341 27,303 1,523 $100M-500M 72.5 68,538 1,761 0 Countybank Greenwood SC 87.5 0.122 0.477 32,070 321 $100M-500M 65.0 59,169 430 0 First Palmetto Savings Bank Camden SC 87.5 0.022 0.065 18,204 682 $500M-$1B 82.5 150,590 1,177 0.001 Spratt S & LA Chester SC 87.5 0.041 0.25 3,734 106 <$100M 75.0 14,491 141 0 Bank of Walterboro Walterboro SC 85.0 0.095 0.175 15,369 707 $100M-500M 77.5 72,146 971 0 Community First Bk Walhalla SC 85.0 0.047 0.239 22,216 780 $100M-500M 77.5 93,148 1,007 0.002 Pee Dee Federal Savings Bank Marion SC 85.0 0.066 0.241 2,594 118 <$100M 72.5 10,072 145 0 Plantation Federal Bank Pawleys Island SC 85.0 0.018 0.06 12,276 408 $500M-$1B 82.5 112,703 726 0

Minnwest Bk Sioux Falls Sioux Falls SD 95.0 0.277 1 33,192 334 $100M-500M 90.0 33,192 334 0 Bank 360 Beresford SD 90.0 0.086 0.33 3,652 129 <$100M 67.5 8,032 161 0.001 Fulton St Bk Fulton SD 90.0 0.256 1 11,192 194 <$100M 80.0 11,192 194 0.001 Great Plains Bk Eureka SD 90.0 0.182 1 14,196 309 <$100M 82.5 14,196 309 0 First Fidelity Bk Burke SD 87.5 0.087 1 22,545 543 $100M-500M 65.0 22,545 543 0 First St Bk of Roscoe Roscoe SD 87.5 0.232 1 17,892 269 <$100M 77.5 17,892 269 0 Citibank SD NA Sioux Falls SD 85.0 0.056 0.68 5,360,807 2,243,216 >$10B 65.0 5,513,614 2,244,077 0.234 Dakota Prairie Bk Presho SD 85.0 0.198 1 7,458 110 <$100M 70.0 7,458 110 0

Bank of Perry CTY Lobelville TN 97.5 0.243 1 32,463 496 $100M-500M 82.5 32,463 496 0 First Federal Bank Dickson TN 97.5 0.039 0.169 18,082 602 $100M-500M 85.0 76,395 830 0 First NB Pikeville TN 97.5 0.319 1 29,056 510 <$100M 82.5 29,056 510 0 Security FSB of Mcminnville Mcminnville TN 97.5 0.264 1 37,746 457 $100M-500M 85.0 37,746 457 0 Tennessee CMRC Bk Franklin TN 97.5 0.181 0.304 241,274 4,700 $1B-$10B 92.5 634,353 6,365 0 Community B&TC Ashland City TN 95.0 0.271 1 59,124 365 $100M-500M 85.0 59,124 365 0.003 Peoples Bk Clifton TN 95.0 0.312 1 39,382 279 $100M-500M 77.5 39,382 279 0 Citizens Bk Lafayette TN 92.5 0.051 0.359 16,946 534 $100M-500M 57.5 85,400 498 0 F&M Bk Clarksville TN 92.5 0.051 0.18 38,602 1,405 $500M-$1B 80.0 138,354 1,863 0 Peoples B&TC Pickett Cty Byrdstown TN 92.5 0.087 0.425 10,631 422 $100M-500M 72.5 24,987 504 0

First NB of Albany Breckenri Albany TX 97.5 0.236 1 77,874 1,451 $100M-500M 87.5 77,874 1,451 0 Legend Bk NA Bowie TX 97.5 0.109 0.449 59,082 964 $500M-$1B 72.5 84,720 1,105 0 Western Bk Coahoma TX 97.5 0.323 1 63,401 861 $100M-500M 90.0 63,401 861 0 Blanco NB Blanco TX 95.0 0.118 0.425 17,732 448 $100M-500M 87.5 41,698 1,436 0.003 Cypress Bank FSB Pittsburg TX 95.0 0.051 0.319 8,316 329 $100M-500M 72.5 18,724 391 0 First NB Dublin TX 95.0 0.242 1 15,452 440 <$100M 85.0 43,390 763 0 First St Bk Graham TX 95.0 0.17 1 20,166 513 $100M-500M 95.0 65,093 842 0 First St Bk New Braunfels TX 95.0 0.452 1 109,442 471 $100M-500M 90.0 109,442 471 0 First St Bk Chico TX 95.0 0.095 0.285 18,531 673 $100M-500M 87.5 81,099 1,243 0 Marion St Bk Marion TX 95.0 0.161 1 7,948 29,177 <$100M 70.0 7,948 29,177 0 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

American Express Bank FSB Salt Lake City UT 100.0 0.476 1 14,160,000 2,134,945 >$10B 100.0 14,160,000 2,134,945 0.198 Pitney Bowes Bk Salt Lake City UT 97.5 0.569 0.954 395,239 1,092,393 $500M-$1B 95.0 414,208 1,092,468 0 Transportation Alli Bk Ogden UT 95.0 0.566 1 281,814 13,627 $100M-500M 92.5 281,814 13,627 0.009 Wells Fargo Bk Nw NA Ogden UT 95.0 0.155 0.993 2,246,000 80,572 >$10B 80.0 2,246,000 80,572 0.144 Wright Express FS Corp Salt Lake City UT 95.0 0.476 0.501 406,515 153,570 $500M-$1B 87.5 591,133 157,100 0 GE Cap FNCL Holladay UT 92.5 0.264 0.434 2,818,841 2,138,917 >$10B 85.0 3,989,345 2,150,025 0.001

Capital One Bk USA NA Glen Allen VA 97.5 0.045 1 1,738,853 535,522 >$10B 77.5 1,738,853 535,522 0.446 Virginia CMNTY Bk Louisa VA 95.0 0.375 1 76,849 409 $100M-500M 80.0 76,849 409 0.005 Benchmark CMNTY Bk Kenbridge VA 92.5 0.053 0.201 19,928 762 $100M-500M 77.5 77,742 1,051 0 Community Bank Staunton VA 90.0 0.028 0.091 14,844 656 $500M-$1B 82.5 93,540 919 0 New Peoples Bk Ho NA ker VA 90.0 0.04 0.131 33,835 1,345 $500M-$1B 82.5 176,515 1,956 0 Capital One NA Mclean VA 87.5 0.025 0.134 2,962,375 85,427 >$10B 60.0 9,994,335 110,544 0 First Market Bank FSB Richmond VA 87.5 0.019 0.081 27,113 502 $1B-$10B 80.0 186,793 1,152 0 Highlands Union Bk Abingdon VA 87.5 0.038 0.145 25,125 1,062 $500M-$1B 75.0 117,672 1,427 0.002 Bank of Southside VA Carson VA 85.0 0.031 0.2 15,477 758 $500M-$1B 57.5 55,190 955 0.004 First CMNTY Bk NA Bluefield VA 85.0 0.021 0.116 46,325 1,756 $1B-$10B 67.5 248,818 2,648 0 First NB Altavista VA 85.0 0.038 0.183 12,346 504 $100M-500M 75.0 61,621 695 0 First Sentinel Bk Richlands VA 85.0 0.056 0.399 8,801 367 $100M-500M 57.5 22,000 434 0

Bank of Saint Croix Christiansted VI 50.0 0.017 0.088 1,824 297 $100M-500M 50.0 15,829 357 0

Wells River SVG Bk Wells River VT 85.0 0.138 1 19,028 583 $100M-500M 47.5 19,028 583 0

Americanwest Bk Spokane WA 90.0 0.023 0.059 41,287 1,583 $1B-$10B 80.0 363,215 2,937 0 Twin River NB Clarkston WA 90.0 0.311 1 17,020 190 <$100M 60.0 17,020 190 0 Kitsap Bk Port Orchard WA 87.5 0.022 0.06 21,356 612 $500M-$1B 97.5 354,043 1,580 0.001 Summit Bk Concrete WA 87.5 0.049 0.119 6,868 210 $100M-500M 80.0 57,799 344 0.002 Whidbey Island Bk Coupeville WA 87.5 0.025 0.058 23,322 863 $500M-$1B 85.0 230,593 1,703 0.003 Bank of The Pacific Aberdeen WA 85.0 0.023 0.061 15,177 518 $500M-$1B 80.0 150,959 1,033 0.002 Washington FS & LA Seattle WA 85.0 0.004 0.168 47,430 610 >$10B 70.0 172,738 1,059 0 Farmers St Bk Winthrop WA 82.5 0.153 1 2,889 219 <$100M 52.5 2,889 219 0 First Heritage Bk Snohomish WA 82.5 0.035 0.104 7,267 210 $100M-500M 60.0 42,772 321 0

Bank of Milton Milton WI 100.0 0.387 1 25,696 6,375 <$100M 85.0 25,696 6,375 0.002 Livingston St Bk Livingston WI 100.0 0.157 1 24,391 714 $100M-500M 65.0 24,391 714 0.001 Farmers Exch Bk Neshkoro WI 97.5 0.239 1 12,534 617 <$100M 70.0 12,534 617 0 Peshtigo NB Peshtigo WI 97.5 0.217 1 33,382 492 $100M-500M 72.5 33,382 492 0.001 Table 3B. Top Micro Business Lending Institutions by State and Territory Using Call Report Data, June 2008

Micro Business Lending (<$100k) Small Business Lending (<$1M) HQ State or Total Institution Total Name of Lending Institution City Territory Rank SSBL/TA SSBL/TBL SSBL$ (1,000) SSBL$ # Asset Size Rank LSBL$ (1,000) LSBL$ # CRD/TA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

First NB of Park Falls Park Falls WI 95.0 0.255 1 23,010 309 <$100M 67.5 23,010 309 0 Union St Bk Kewaunee WI 95.0 0.264 1 21,012 304 <$100M 70.0 21,012 304 0.001 Benton St Bk Benton WI 92.5 0.19 1 8,512 1,647 <$100M 65.0 8,512 1,647 0.002 Farmers & MRCH St Bk Waterloo WI 92.5 0.35 1 49,210 202 $100M-500M 75.0 49,210 202 0 Mound City Bk Platteville WI 92.5 0.103 0.394 27,858 335 $100M-500M 85.0 70,758 560 0.003 Westbury Bank West Bend WI 92.5 0.029 0.106 19,719 572 $500M-$1B 92.5 144,991 989 0

Community Bk of Parkersburg Parkersburg WV 100.0 0.137 1 32,243 633 $100M-500M 77.5 32,243 633 0.008 Calhoun Cty Bk Grantsville WV 95.0 0.224 1 22,763 394 $100M-500M 72.5 22,763 394 0 Bank of Mingo Williamson WV 90.0 0.177 1 20,024 264 $100M-500M 60.0 20,024 264 0 Bank of Monroe Union WV 87.5 0.113 0.499 11,249 369 <$100M 77.5 22,526 425 0 Main St Bk Corp Wheeling WV 85.0 0.073 0.257 15,023 398 $100M-500M 92.5 58,354 559 0 Bank of Romney Romney WV 82.5 0.046 0.28 10,513 459 $100M-500M 67.5 32,491 582 0 Logan B&TC Logan WV 82.5 0.048 0.321 10,922 251 $100M-500M 67.5 34,007 344 0

Platte Valley Bk Torrington WY 97.5 0.143 0.403 26,159 1,244 $100M-500M 82.5 52,320 1,342 0 Wyoming St Bk Laramie WY 92.5 0.312 1 41,554 265 $100M-500M 77.5 41,554 265 0 Buffalo Federal Savings Bank Buffalo WY 90.0 0.046 0.129 7,000 239 $100M-500M 85.0 45,870 390 0

Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Wells Fargo & Company CA 313,991 6,495 >$50B 165,609 6,039 148,382 456 First National Bank Alaska AK 206,402 1,303 $1B-$10B 30,174 732 176,228 571 Northrim Bancorp Inc. AK 117,529 636 $1B-$10B 18,127 353 99,402 283 Alabama - - Regions Financial Corporation AL 1,149,898 9,720 >$50B 321,842 7,387 828,056 2,333 Wells Fargo & Company CA 851,447 6,476 >$50B 162,411 4,494 689,036 1,982 Synovus Financial Corp. GA 715,535 4,598 $10B-$50B 114,322 2,832 601,213 1,766 American Express Bank FSB UT 218,435 27,651 $10B-$50B 202,697 27,579 15,738 72 Whitney Holding Corporation LA 136,640 710 $10B-$50B 17,623 364 119,017 346 The Colonial Bancgroup Inc. AL 134,820 1,025 $10B-$50B 29,766 698 105,054 327 Compass Bank AL 128,122 2,018 >$50B 61,256 1,770 66,866 248 GE Capital Financial Inc. UT 112,807 11,631 $1B-$10B 76,492 11,459 36,315 172 JPMorgan Chase & Co. NY 106,389 15,084 >$50B 103,364 15,078 3,025 6 RBC Bank NC 104,687 728 $10B-$50B 18,989 463 85,698 265 Bancindependent Incorporated AL 93,561 1,041 <$1B 25,916 790 67,645 251 Aliant Financial Corporation AL 79,986 527 <$1B 12,335 334 67,651 193 West Alabama Capital Corp. AL 77,626 856 <$1B 19,847 661 57,779 195 Bancorpsouth Inc. MS 76,656 560 $10B-$50B 11,640 359 65,016 201 Renasant Corporation MS 67,187 419 $1B-$10B 10,368 237 56,819 182 CBS Banc-Corp. AL 58,399 395 $1B-$10B 9,332 245 49,067 150 Bank of America Corporation NC 52,974 7,549 >$50B 36,032 7,509 16,942 40 Superior Bank AL 51,594 594 $1B-$10B 19,377 463 32,217 131 Citigroup Inc. NY 51,151 9,781 >$50B 50,941 9,780 210 1 Arkansas - - Arvest Bank Group Inc. AR 520,983 5,228 $1B-$10B 117,522 3,916 403,461 1,312 Regions Financial Corporation AL 387,693 2,845 >$50B 73,903 1,870 313,790 975 First Security Bancorp AR 185,954 1,897 $1B-$10B 45,886 1,366 140,068 531 Bancorpsouth Inc. MS 157,096 1,805 $10B-$50B 41,536 1,419 115,560 386 Liberty Bancshares Inc AR 122,883 892 $1B-$10B 21,224 598 101,659 294 Bank of The Ozarks Inc AR 104,025 1,569 $1B-$10B 34,037 1,318 69,988 251 Simmons First National Corp. AR 95,346 1,125 $1B-$10B 24,655 901 70,691 224 American Express Bank FSB UT 87,578 13,384 $10B-$50B 84,320 13,365 3,258 19 JPMorgan Chase & Co. NY 84,619 11,046 >$50B 78,512 11,029 6,107 17 Wells Fargo & Company CA 79,948 1,882 >$50B 55,301 1,778 24,647 104 Summit Bancorp Inc. AR 77,371 617 <$1B 14,570 445 62,801 172 Bank of America Corporation NC 67,812 4,729 >$50B 30,944 4,630 36,868 99 U.S. Bancorp MN 60,288 2,290 >$50B 27,058 2,197 33,230 93 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) GE Capital Financial Inc. UT 56,916 6,653 $1B-$10B 41,009 6,574 15,907 79 Arizona - - Wells Fargo & Company CA 1,678,308 46,353 >$50B 1,093,146 44,474 585,162 1,879 JPMorgan Chase & Co. NY 743,427 54,420 >$50B 594,220 53,970 149,207 450 American Express Bank FSB UT 563,399 65,652 $10B-$50B 522,168 65,471 41,231 181 Bank of America Corporation NC 427,366 18,300 >$50B 156,199 17,545 271,167 755 Zions Bancorporation UT 382,736 3,775 >$50B 77,696 2,981 305,040 794 Marshall & Ilsley Corporation WI 364,838 1,790 >$50B 38,714 967 326,124 823 Cobiz Financial Inc. CO 148,023 518 $1B-$10B 11,735 195 136,288 323 GE Capital Financial Inc. UT 125,482 7,297 $1B-$10B 61,644 7,144 63,838 153 Citigroup Inc. NY 103,778 19,621 >$50B 102,959 19,616 819 5 Western Alliance Bancorporation NV 102,012 374 $1B-$10B 8,925 142 93,087 232 Capital One Financial Corporation VA 77,833 16,504 >$50B 77,833 16,504 - - Johnson Financial Group Inc WI 73,447 232 $1B-$10B 5,322 81 68,125 151 U.S. Bancorp MN 70,685 4,077 >$50B 40,145 3,994 30,540 83 CIT Group Inc. NY 68,811 2,200 . 46,964 2,159 21,847 41 Compass Bank AL 64,173 1,270 >$50B 43,549 1,208 20,624 62 BOK Financial Corporation OK 55,640 197 $10B-$50B 3,789 56 51,851 141 California - - Wells Fargo & Company CA 10,965,763 303,561 >$50B 7,639,898 291,436 3,325,865 12,125 American Express Bank FSB UT 4,588,545 521,792 $10B-$50B 4,239,293 520,167 349,252 1,625 JPMorgan Chase & Co. NY 3,798,481 295,708 >$50B 3,263,706 294,805 534,775 903 Bank of America Corporation NC 2,589,490 132,848 >$50B 1,088,387 129,182 1,501,103 3,666 Citigroup Inc. NY 1,631,160 187,963 >$50B 1,237,922 186,502 393,238 1,461 Union Bank N.A CA 1,536,362 21,416 >$50B 709,459 18,640 826,903 2,776 U.S. Bancorp MN 934,763 29,881 >$50B 334,824 28,590 599,939 1,291 Zions Bancorporation UT 934,722 6,165 >$50B 141,156 4,387 793,566 1,778 Bank of The West CA 828,009 5,523 >$50B 143,085 4,061 684,924 1,462 City National Corporation CA 658,497 2,433 $10B-$50B 55,504 1,020 602,993 1,413 Comerica Incorporated TX 596,451 1,540 >$50B 19,655 303 576,796 1,237 GE Capital Financial Inc. UT 540,328 32,190 $1B-$10B 310,283 31,464 230,045 726 Capital One Financial Corporation VA 497,929 98,090 >$50B 496,419 98,087 1,510 3 Rabobank N.A. CA 369,278 1,591 $1B-$10B 54,963 824 314,315 767 Eggemeyer Advisory Corp. CA 352,063 1,145 $1B-$10B 24,235 378 327,828 767 CIT Group Inc. NY 351,538 15,283 . 319,662 15,202 31,876 81 CVB Financial Corp. CA 341,051 1,483 $1B-$10B 40,045 743 301,006 740 UCBH Holdings Inc. CA 333,020 779 $10B-$50B 11,589 179 321,431 600 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Pacific Capital Bancorp CA 325,936 1,226 $1B-$10B 28,181 534 297,755 692 Advanta Bank Corp UT 297,132 42,786 $1B-$10B 297,132 42,786 - - Westamerica Bancorporation CA 289,028 1,199 $1B-$10B 29,577 450 259,451 749 Community Bank CA 250,330 960 $1B-$10B 20,921 436 229,409 524 Umpqua Holdings Corporation OR 241,250 1,077 $1B-$10B 28,203 520 213,047 557 Cathay General Bancorp CA 236,592 651 $10B-$50B 11,141 212 225,451 439 Wilshire Bancorp Inc. CA 229,343 815 $1B-$10B 19,928 298 209,415 517 First Banks Inc. MO 219,147 999 $10B-$50B 22,784 503 196,363 496 Hanmi Financial Corporation CA 216,885 910 $1B-$10B 20,388 388 196,497 522 FBOP Corporation IL 203,400 713 $10B-$50B 13,771 262 189,629 451 1867 Western Financial Corp. CA 176,833 678 $1B-$10B 15,887 292 160,946 386 East West Bancorp Inc. CA 170,795 472 $10B-$50B 8,088 111 162,707 361 Heritage Commerce Corp CA 168,467 540 $1B-$10B 10,430 143 158,037 397 Mechanics Bank CA 152,931 1,050 $1B-$10B 30,610 769 122,321 281 Nara Bancorp Inc. CA 143,781 402 $1B-$10B 8,404 110 135,377 292 Palomar Enterprises Llc CA 143,747 478 $1B-$10B 10,623 182 133,124 296 Center Financial Corporation CA 143,154 513 $1B-$10B 10,810 183 132,344 330 Scj Inc. CA 140,952 488 . 9,252 151 131,700 337 First Regional Bancorp CA 138,131 373 $1B-$10B 5,793 89 132,338 284 Discover Bank DE 133,851 16,858 $10B-$50B 133,851 16,858 - - Trico Bancshares CA 131,439 944 $1B-$10B 26,318 648 105,121 296 First Northern Community Bank CA 128,618 574 <$1B 15,993 291 112,625 283 Fremont Bancorporation CA 127,113 398 $1B-$10B 8,692 124 118,421 274 Merrill Lynch BK&TC. FSB CA 124,010 383 $10B-$50B 6,219 95 117,791 288 SVB Financial Group CA 118,452 205 $1B-$10B 736 8 117,716 197 Sierra Bancorp CA 116,708 730 $1B-$10B 19,038 429 97,670 301 Exchange Bank CA 105,144 581 $1B-$10B 16,779 320 88,365 261 Central Valley Community Bank CA 95,993 464 <$1B 11,337 248 84,656 216 Manufacturers Bank CA 94,138 247 $1B-$10B 3,407 52 90,731 195 Temecula Valley Bancorp Inc. CA 89,899 316 $1B-$10B 7,904 134 81,995 182 Sterling Financial Corporation WA 88,327 290 $10B-$50B 4,256 108 84,071 182 HSBC Bank USA NA NY 87,827 1,520 >$50B 50,011 1,407 37,816 113 American River Bankshares CA 84,410 389 <$1B 11,246 201 73,164 188 Popular Inc. PR 84,402 676 $10B-$50B 18,239 529 66,163 147 Far East National Bank CA 82,511 199 $1B-$10B 2,455 31 80,056 168 Signature Bank NY 80,042 194 $1B-$10B 1,462 22 78,580 172 Preferred Bank CA 77,914 247 $1B-$10B 4,676 73 73,238 174 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) American Business Bank CA 76,532 319 <$1B 7,548 149 68,984 170 Farmers & Merchants Bancorp CA 73,923 332 $1B-$10B 7,467 173 66,456 159 Vineyard National Bancorp CA 72,497 260 $1B-$10B 6,265 94 66,232 166 Ironstone Bank NC 72,015 422 $1B-$10B 12,301 282 59,714 140 RCB Corporation CA 70,961 321 <$1B 8,441 151 62,520 170 Lauritzen Corporation NE 66,622 8,231 $10B-$50B 59,791 8,206 6,831 25 Lehman Brothers Bank FSB NY 64,387 125 $10B-$50B - - 64,387 125 Community West Bancshares CA 60,717 219 <$1B 3,752 73 56,965 146 Colorado - - Wells Fargo & Company CA 1,766,759 44,354 >$50B 1,054,301 42,201 712,458 2,153 JPMorgan Chase & Co. NY 650,333 53,129 >$50B 555,763 52,869 94,570 260 U.S. Bancorp MN 401,110 14,417 >$50B 149,935 13,742 251,175 675 American Express Bank FSB UT 380,798 46,372 $10B-$50B 352,768 46,236 28,030 136 Cobiz Financial Inc. CO 282,143 1,148 $1B-$10B 27,741 526 254,402 622 Zions Bancorporation UT 246,273 2,473 >$50B 47,090 1,945 199,183 528 Lauritzen Corporation NE 238,010 2,720 $10B-$50B 34,944 2,190 203,066 530 Bank Of The West CA 165,496 1,362 >$50B 31,601 1,011 133,895 351 RUH Capital Llc CA 163,766 882 . 23,366 474 140,400 408 Pinnacle Bancorp Inc. NE 147,848 1,161 $1B-$10B 27,087 805 120,761 356 Community Bankshares Inc. CO 144,728 787 $1B-$10B 19,157 439 125,571 348 First State Bancorporation NM 132,997 760 $1B-$10B 17,943 434 115,054 326 GE Capital Financial Inc. UT 124,873 8,530 $1B-$10B 77,383 8,418 47,490 112 UMB Financial Corporation MO 118,956 709 $1B-$10B 15,699 457 103,257 252 Sturm Financial Group Inc. CO 114,287 572 $1B-$10B 15,153 308 99,134 264 Capital One Financial Corporation VA 112,562 21,234 >$50B 112,562 21,234 - - Alpine Banks Of Colorado CO 110,539 918 $1B-$10B 20,894 672 89,645 246 Citigroup Inc. NY 107,439 19,054 >$50B 105,049 19,044 2,390 10 Keycorp OH 104,662 576 >$50B 14,108 358 90,554 218 Bank of America Corporation NC 99,835 7,838 >$50B 44,855 7,696 54,980 142 New Frontier Bancorp CO 67,164 470 $1B-$10B 12,139 325 55,025 145 CIT Group Inc. NY 66,506 2,746 . 56,721 2,721 9,785 25 Connecticut - - Bank of America Corporation NC 391,478 12,902 >$50B 114,330 12,177 277,148 725 American Express Bank FSB UT 376,029 46,566 $10B-$50B 343,105 46,414 32,924 152 Wells Fargo & Company CA 360,197 5,074 >$50B 141,093 4,374 219,104 700 JPMorgan Chase & Co. NY 275,149 24,015 >$50B 228,969 23,895 46,180 120 Webster Financial Corporation CT 256,950 1,919 $10B-$50B 69,781 1,396 187,169 523 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) TD Bank N.A ME 231,749 1,629 >$50B 61,386 1,184 170,363 445 Newalliance Bancshares Inc. CT 150,661 877 $1B-$10B 22,132 539 128,529 338 People S United Bank CT 131,193 502 $10B-$50B 6,932 246 124,261 256 Citigroup Inc. NY 119,833 17,261 >$50B 103,985 17,211 15,848 50 GE Capital Financial Inc. UT 82,919 4,792 $1B-$10B 39,224 4,662 43,695 130 RBS Citizens N.A. RI 80,397 776 >$50B 14,780 606 65,617 170 Fairfield County Bank Corp CT 72,038 383 $1B-$10B 10,934 222 61,104 161 Capital One Financial Corporation VA 65,077 11,962 >$50B 63,427 11,958 1,650 4 District of Columbia - - American Express Bank FSB UT 94,845 9,600 $10B-$50B 75,547 9,520 19,298 80 Wells Fargo & Company CA 88,141 847 >$50B 21,412 673 66,729 174 BB&T Corporation NC 81,935 267 >$50B 5,460 87 76,475 180 Bank of America Corporation NC 57,711 1,837 >$50B 15,502 1,723 42,209 114 PNC Financial Services Group PA 53,563 765 >$50B 23,318 673 30,245 92 Delaware - - PNC Financial Services Group PA 191,529 2,236 >$50B 71,202 1,904 120,327 332 Wilmington Trust Corporation DE 143,362 865 $10B-$50B 18,311 529 125,051 336 Wells Fargo & Company CA 88,757 999 >$50B 27,085 813 61,672 186 American Express Bank FSB UT 51,636 6,855 $10B-$50B 46,442 6,830 5,194 25 Wells Fargo & Company CA 3,145,438 33,984 >$50B 819,654 27,795 2,325,784 6,189 Florida - - American Express Bank FSB UT 2,105,508 254,323 $10B-$50B 1,889,032 253,318 216,476 1,005 Bank of America Corporation NC 1,691,367 83,121 >$50B 673,272 80,295 1,018,095 2,826 Regions Financial Corporation AL 1,620,898 17,874 >$50B 679,381 15,204 941,517 2,670 Suntrust Banks Inc. GA 1,156,517 13,398 >$50B 247,963 10,987 908,554 2,411 JPMorgan Chase & Co. NY 1,143,735 117,982 >$50B 1,086,926 117,818 56,809 164 Citigroup Inc. NY 516,721 82,473 >$50B 448,236 82,249 68,485 224 Synovus Financial Corp. GA 410,630 2,184 $10B-$50B 54,572 1,138 356,058 1,046 GE Capital Financial Inc. UT 340,994 33,870 $1B-$10B 236,028 33,466 104,966 404 BB&T Corporation NC 301,761 1,263 >$50B 29,286 553 272,475 710 Marshall & Ilsley Corporation WI 281,335 1,216 >$50B 26,022 589 255,313 627 CIT Group Inc. NY 268,082 10,233 . 202,997 10,085 65,085 148 Capital One Financial Corporation VA 262,746 56,858 >$50B 257,991 56,846 4,755 12 Fifth Third Bancorp OH 258,388 3,646 >$50B 61,513 3,181 196,875 465 South Financial Group Inc. SC 206,670 1,599 $10B-$50B 35,046 1,119 171,624 480 The Colonial Bancgroup Inc. AL 202,943 1,169 $10B-$50B 38,109 697 164,834 472 Tampa Banking Company The FL 188,189 1,065 <$1B 28,223 639 159,966 426 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Bank of New York Mellon Corp NY 165,720 694 >$50B 21,378 331 144,342 363 Advanta Bank Corp UT 162,709 22,931 $1B-$10B 162,709 22,931 - - Whitney Holding Corporation LA 149,943 762 $10B-$50B 16,980 403 132,963 359 Northern Trust Corporation IL 139,400 502 >$50B 12,083 179 127,317 323 TotalBank FL 137,278 2,630 $1B-$10B 33,030 2,303 104,248 327 BankUnited FSB FL 102,729 333 $10B-$50B 7,049 115 95,680 218 Discover Bank DE 98,347 12,536 $10B-$50B 98,347 12,536 - - Riverside Banking Company FL 96,860 781 $1B-$10B 19,408 558 77,452 223 Popular Inc. PR 90,410 810 $10B-$50B 26,656 649 63,754 161 TIB Financial Corp. FL 85,854 435 $1B-$10B 11,904 228 73,950 207 PNC Financial Services Group PA 83,827 493 >$50B 10,324 287 73,503 206 Compass Bank AL 82,200 1,265 >$50B 39,405 1,151 42,795 114 HSBC Bank USA NA NY 79,671 957 >$50B 38,978 810 40,693 147 RBC Bank NC 79,522 575 $10B-$50B 12,798 402 66,724 173 Ironstone Bank NC 67,318 437 $1B-$10B 9,913 288 57,405 149 Peoples First Community Bank FL 67,282 461 $1B-$10B 12,418 281 54,864 180 City National Bank Of Florid FL 66,598 204 . 3,579 72 63,019 132 Capital City Bank Group Inc FL 59,143 767 $1B-$10B 18,215 626 40,928 141 Ocean Bankshares Inc. FL 55,598 284 $1B-$10B 7,788 161 47,810 123 US Century Bank FL 54,423 225 $1B-$10B 6,919 122 47,504 103 Comerica Incorporated TX 54,366 146 >$50B 2,083 29 52,283 117 Prosperity Banking Company FL 53,382 351 $1B-$10B 8,347 221 45,035 130 BankAtlantic FL 52,701 484 $1B-$10B 20,587 378 32,114 106 Georgia - - Synovus Financial Corp. GA 1,518,942 10,249 $10B-$50B 235,403 6,558 1,283,539 3,691 Wells Fargo & Company CA 1,401,375 14,449 >$50B 345,040 11,603 1,056,335 2,846 Suntrust Banks Inc. GA 1,087,221 8,059 >$50B 157,489 5,598 929,732 2,461 BB&T Corporation NC 882,445 4,256 >$50B 99,940 2,148 782,505 2,108 American Express Bank FSB UT 804,799 94,504 $10B-$50B 723,642 94,135 81,157 369 Regions Financial Corporation AL 606,373 3,808 >$50B 98,617 2,381 507,756 1,427 United Community Banks Inc. GA 542,777 4,349 $1B-$10B 86,379 3,038 456,398 1,311 Bank of America Corporation NC 476,603 27,543 >$50B 193,546 26,744 283,057 799 JPMorgan Chase & Co. NY 352,422 39,862 >$50B 345,434 39,840 6,988 22 GE Capital Financial Inc. UT 233,715 18,727 $1B-$10B 131,288 18,272 102,427 455 Citigroup Inc. NY 150,661 31,536 >$50B 148,308 31,528 2,353 8 Security Bank Corporation GA 148,260 1,220 $1B-$10B 30,199 831 118,061 389 Southeastern Bank Financial GA 122,844 824 $1B-$10B 16,807 498 106,037 326 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Ameris Bancorp GA 117,769 1,312 $1B-$10B 30,993 1,029 86,776 283 Capital One Financial Corporation VA 104,965 22,208 >$50B 104,965 22,208 - - CIT Group Inc. NY 97,302 4,214 . 79,662 4,164 17,640 50 Queensborough Company The GA 97,176 1,409 <$1B 32,394 1,171 64,782 238 PAB Bankshares Inc. GA 90,940 657 $1B-$10B 15,800 449 75,140 208 Georgian Bancorporation Inc GA 86,539 350 $1B-$10B 8,684 155 77,855 195 Fidelity Southern Corporation GA 79,868 511 $1B-$10B 11,469 344 68,399 167 WGNB Corp. GA 73,295 638 <$1B 14,569 443 58,726 195 Bartow Bancshares Inc. GA 65,385 386 <$1B 9,277 232 56,108 154 Henry County Bancshares Inc GA 63,768 302 <$1B 5,587 160 58,181 142 Ironstone Bank NC 59,287 474 $1B-$10B 10,632 340 48,655 134 Advanta Bank Corp UT 59,287 8,586 $1B-$10B 59,287 8,586 - - RBC Bank NC 56,912 431 $10B-$50B 9,027 295 47,885 136 Guam - - Bank of The West CA 54,219 604 >$50B 12,154 494 42,065 110 Hawaii - - Bank of The West CA 416,988 4,464 >$50B 109,601 3,647 307,387 817 American Express Bank FSB UT 185,544 21,443 $10B-$50B 180,009 21,415 5,535 28 Central Pacific Financial Co HI 114,219 772 $1B-$10B 31,982 577 82,237 195 Bank of Hawaii Corporation HI 112,412 832 $1B-$10B 19,989 630 92,423 202 JPMorgan Chase & Co. NY 108,978 11,677 >$50B 107,798 11,675 1,180 2 American Savings Bank HI 100,822 680 $1B-$10B 20,086 456 80,736 224 Wells Fargo & Company CA 60,150 1,678 >$50B 50,772 1,615 9,378 63 Iowa - - Wells Fargo & Company CA 455,802 9,475 >$50B 227,138 8,784 228,664 691 U.S. Bancorp MN 345,285 6,206 >$50B 89,957 5,480 255,328 726 Hills Bancorporation IA 239,269 2,338 $1B-$10B 58,490 1,752 180,779 586 Stark Bank Group Ltd. IA 227,336 1,055 $1B-$10B 23,196 531 204,140 524 West Bancorporation Inc. IA 192,070 1,173 $1B-$10B 30,838 731 161,232 442 JPMorgan Chase & Co. NY 107,983 14,410 >$50B 105,643 14,402 2,340 8 BTC Financial Corporation IA 93,105 391 $1B-$10B 8,605 180 84,500 211 American Express Bank FSB UT 66,835 9,006 $10B-$50B 64,565 8,995 2,270 11 First Citizens Financial Corp. IA 58,949 923 <$1B 19,181 795 39,768 128 Great Western Bank SD 57,267 743 $1B-$10B 16,240 610 41,027 133 Regions Financial Corporation AL 51,970 310 >$50B 7,611 184 44,359 126 Idaho - - Wells Fargo & Company CA 453,689 11,107 >$50B 268,993 10,524 184,696 583 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) U.S. Bancorp MN 234,010 4,841 >$50B 55,730 4,372 178,280 469 Zions Bancorporation UT 165,107 1,878 >$50B 48,551 1,511 116,556 367 American Express Bank FSB UT 161,396 17,922 $10B-$50B 159,351 17,907 2,045 15 W.T.B. Financial Corporation WA 133,655 663 $1B-$10B 14,329 339 119,326 324 The Bank Of Commerce ID 124,228 1,121 <$1B 27,738 822 96,490 299 Cascade Bancorp OR 103,395 889 $1B-$10B 20,585 624 82,810 265 JPMorgan Chase & Co. NY 82,243 9,070 >$50B 80,017 9,060 2,226 10 Farmers Bancorporation Inc. ID 68,678 743 <$1B 19,151 588 49,527 155 Keycorp OH 59,414 315 >$50B 8,001 190 51,413 125 Sterling Financial Corporation WA 52,122 356 $10B-$50B 8,672 236 43,450 120 Illinois - - JPMorgan Chase & Co. NY 1,430,056 109,647 >$50B 1,066,814 108,717 363,242 930 American Express Bank FSB UT 771,687 92,205 $10B-$50B 710,022 91,953 61,665 252 Harris N.A. IL 701,749 8,811 $10B-$50B 84,532 7,150 617,217 1,661 Bank of America Corporation NC 632,693 17,810 >$50B 150,019 16,625 482,674 1,185 Wintrust Financial Corporation IL 559,257 2,410 $1B-$10B 58,353 1,107 500,904 1,303 American Chartered Bancorp IL 486,477 1,983 $1B-$10B 50,586 869 435,891 1,114 Mb Financial Inc IL 477,060 1,534 $1B-$10B 26,354 441 450,706 1,093 First Midwest Bancorp Inc. IL 470,675 2,424 $1B-$10B 52,856 1,265 417,819 1,159 Fifth Third Bancorp OH 404,037 4,934 >$50B 74,726 4,133 329,311 801 Citigroup Inc. NY 354,956 45,927 >$50B 302,010 45,771 52,946 156 Wells Fargo & Company CA 353,589 9,161 >$50B 254,068 8,786 99,521 375 Midwest Banc Holdings Inc. IL 315,541 1,179 $1B-$10B 23,530 426 292,011 753 U.S. Bancorp MN 311,515 11,554 >$50B 141,842 11,051 169,673 503 Amcore Financial Inc. IL 284,045 1,384 $1B-$10B 33,779 733 250,266 651 Old Second Bancorp Inc. IL 280,083 1,225 $1B-$10B 24,831 554 255,252 671 Privatebancorp Inc. IL 225,909 681 $1B-$10B 11,982 187 213,927 494 Associated Banc-Corp WI 208,966 782 $10B-$50B 13,774 338 195,192 444 First Banks Inc. MO 206,197 1,242 $10B-$50B 29,368 745 176,829 497 First Busey Corporation IL 175,204 1,358 $1B-$10B 33,753 925 141,451 433 Standard Bancshares Inc. IL 164,504 571 $1B-$10B 10,397 205 154,107 366 Regions Financial Corporation AL 151,820 1,097 >$50B 29,786 717 122,034 380 Capital One Financial Corporation VA 151,658 31,921 >$50B 147,645 31,904 4,013 17 First American Bank Corporation IL 145,851 454 $1B-$10B 7,114 155 138,737 299 First Mid-Illinois Bancshare IL 144,536 1,422 $1B-$10B 34,461 1,102 110,075 320 GE Capital Financial Inc. UT 143,772 16,742 $1B-$10B 123,525 16,668 20,247 74 Taylor Capital Group Inc. IL 136,020 377 $1B-$10B 5,155 96 130,865 281 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) West Suburban Bancorp Inc. IL 134,367 662 $1B-$10B 17,725 357 116,642 305 FBOP Corporation IL 133,059 536 $10B-$50B 11,694 206 121,365 330 RUH Capital Llc CA 131,131 435 . 6,871 131 124,260 304 Princeton National Bancorp IL 125,651 961 $1B-$10B 24,361 682 101,290 279 Commerce Bancshares Inc. MO 124,116 845 $10B-$50B 20,451 547 103,665 298 CIT Group Inc. NY 122,120 5,124 . 109,921 5,088 12,199 36 PNC Financial Services Group PA 121,636 1,615 >$50B 33,829 1,365 87,807 250 Lauritzen Corporation NE 112,314 1,725 $10B-$50B 24,298 1,483 88,016 242 Heartland Bancorp Inc. IL 101,103 731 $1B-$10B 17,798 490 83,305 241 Banc Ed Corp. The IL 99,901 664 $1B-$10B 18,065 422 81,836 242 RBS CITizens N.A. RI 81,736 1,039 >$50B 19,836 907 61,900 132 Home State Bancorp Inc. IL 80,959 535 <$1B 12,234 340 68,725 195 Morton Community Bank IL 78,826 617 $1B-$10B 14,810 443 64,016 174 Peotone Bancorp Inc. IL 75,226 376 $1B-$10B 9,272 195 65,954 181 Marshall & Ilsley Corporation WI 73,590 236 >$50B 3,497 78 70,093 158 Discover Bank DE 72,245 8,823 $10B-$50B 72,245 8,823 - - Bankfinancial F.S.B IL 71,419 249 $1B-$10B 5,098 90 66,321 159 Advanta Bank Corp UT 71,328 10,798 $1B-$10B 71,328 10,798 - - Northern Trust Corporation IL 70,381 295 >$50B 7,300 127 63,081 168 Popular Inc. PR 69,041 358 $10B-$50B 9,240 210 59,801 148 Marquette National Corporation IL 59,605 279 $1B-$10B 5,927 119 53,678 160 Bridgeview Bancorp Inc. IL 56,878 207 $1B-$10B 4,055 69 52,823 138 Indiana - - JPMorgan Chase & Co. NY 442,610 32,280 >$50B 276,146 31,880 166,464 400 Fifth Third Bancorp OH 399,528 3,307 >$50B 58,026 2,406 341,502 901 Old National Bancorp IN 347,898 2,753 $1B-$10B 75,869 1,903 272,029 850 Wells Fargo & Company CA 288,985 6,464 >$50B 169,387 6,079 119,598 385 Regions Financial Corporation AL 223,831 1,276 >$50B 32,966 734 190,865 542 Lakeland Financial Corporation IN 215,507 963 $1B-$10B 20,423 443 195,084 520 American Express Bank FSB UT 197,236 25,156 $10B-$50B 181,522 25,089 15,714 67 PNC Financial Services Group PA 182,800 2,064 >$50B 47,297 1,694 135,503 370 Star Financial Group Inc. IN 171,500 1,158 $1B-$10B 30,029 719 141,471 439 Huntington Bancshares Incorp. OH 138,564 1,323 >$50B 39,981 1,090 98,583 233 German American Bancorp Inc IN 138,383 1,044 $1B-$10B 28,470 691 109,913 353 Irwin Financial Corporation IN 129,163 568 $1B-$10B 13,415 247 115,748 321 Mainsource Financial Group IN 128,828 4,807 $1B-$10B 72,682 4,605 56,146 202 1st Source Corporation IN 126,372 938 $1B-$10B 24,736 590 101,636 348 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) First Merchants Corporation IN 122,278 711 $1B-$10B 16,467 424 105,811 287 First Bancshares Inc. IN 119,056 626 $1B-$10B 15,937 344 103,119 282 Marshall & Ilsley Corporation WI 113,406 556 >$50B 12,384 290 101,022 266 First Financial Corporation IN 104,007 902 $1B-$10B 22,711 676 81,296 226 Harris N.A. IL 102,883 826 $10B-$50B 14,448 590 88,435 236 Bank Of America Corporation NC 92,663 7,353 >$50B 41,456 7,224 51,207 129 First Financial Bancorp OH 92,121 514 $1B-$10B 12,934 301 79,187 213 GE Capital Financial Inc. UT 89,189 11,415 $1B-$10B 74,285 11,370 14,904 45 Citigroup Inc. NY 79,026 13,714 >$50B 78,476 13,712 550 2 National Bank of Indianapolis IN 76,181 300 $1B-$10B 6,889 125 69,292 175 First Midwest Bancorp Inc. IL 64,893 306 $1B-$10B 7,810 160 57,083 146 CIT Group Inc. NY 61,956 2,316 . 50,642 2,290 11,314 26 U.S. Bancorp MN 60,661 3,863 >$50B 38,969 3,810 21,692 53 Keycorp OH 60,107 361 >$50B 8,840 233 51,267 128 Capital One Financial Corporation VA 57,762 12,437 >$50B 57,078 12,436 684 1 First Mutual of Richmond In IN 56,821 320 <$1B 7,637 171 49,184 149 Horizon Bancorp IN 52,722 288 $1B-$10B 6,637 160 46,085 128 Integra Bank Corporation IN 50,023 460 $1B-$10B 11,782 337 38,241 123 Kansas - - INTRUST Financial Corporation KS 238,720 1,978 $1B-$10B 32,571 1,440 206,149 538 Commerce Bancshares Inc. MO 188,537 1,472 $10B-$50B 33,703 1,037 154,834 435 UMB Financial Corporation MO 143,315 1,107 $1B-$10B 22,640 779 120,675 328 Emprise Financial Corporation KS 135,508 1,326 $1B-$10B 22,758 1,026 112,750 300 Marshall & Ilsley Corporation WI 128,821 528 >$50B 10,755 241 118,066 287 CoreFirst Bank & Trust KS 120,802 1,255 23,808 947 96,994 308 American Express Bank FSB UT 115,510 14,299 $10B-$50B 105,160 14,243 10,350 56 Bank Of America Corporation NC 107,676 5,632 >$50B 41,344 5,448 66,332 184 JPMorgan Chase & Co. NY 107,032 13,884 >$50B 106,156 13,881 876 3 U.S. Bancorp MN 105,874 2,577 >$50B 25,086 2,360 80,788 217 Sunflower Financial Inc. KS 97,650 648 $1B-$10B 14,938 411 82,712 237 Manhattan Banking Corporation KS 82,190 710 <$1B 14,157 531 68,033 179 Central of Kansas Inc. KS 79,177 853 <$1B 20,031 647 59,146 206 Wells Fargo & Company CA 66,934 1,983 >$50B 56,460 1,927 10,474 56 Lauritzen Corporation NE 53,622 880 $10B-$50B 12,582 777 41,040 103 GE Capital Financial Inc. UT 50,989 5,430 $1B-$10B 41,128 5,404 9,861 26 Kentucky - - PNC Financial Services Group PA 308,327 3,416 >$50B 94,019 2,817 214,308 599 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Fifth Third Bancorp OH 300,217 2,420 >$50B 40,661 1,759 259,556 661 Bb&T Corporation NC 283,101 1,609 >$50B 42,855 947 240,246 662 JPMorgan Chase & Co. NY 215,095 17,188 >$50B 133,350 16,999 81,745 189 U.S. Bancorp MN 203,342 5,317 >$50B 63,217 4,919 140,125 398 Central Bancshares Inc. KY 196,974 1,192 $1B-$10B 27,582 704 169,392 488 American Express Bank FSB UT 141,477 17,607 $10B-$50B 132,723 17,556 8,754 51 Bank of Kentucky Financial KY 136,708 723 $1B-$10B 18,424 406 118,284 317 S. Y. Bancorp Inc. KY 119,475 630 $1B-$10B 14,354 319 105,121 311 Whitaker Bank Corporation KY 95,348 1,483 $1B-$10B 27,496 1,257 67,852 226 GE Capital Financial Inc. UT 84,684 10,854 $1B-$10B 64,327 10,764 20,357 90 Community Trust Bancorp Inc KY 84,059 944 $1B-$10B 23,728 712 60,331 232 Republic Bancorp Inc. KY 83,684 472 $1B-$10B 12,352 255 71,332 217 Old National Bancorp IN 70,873 621 $1B-$10B 17,926 452 52,947 169 Wells Fargo & Company CA 66,136 1,848 >$50B 54,954 1,792 11,182 56 Louisiana - - Whitney Holding Corporation LA 760,455 4,098 $10B-$50B 101,049 2,256 659,406 1,842 Capital One Financial Corporation VA 747,514 24,752 >$50B 280,024 23,472 467,490 1,280 Regions Financial Corporation AL 540,040 4,121 >$50B 129,597 2,951 410,443 1,170 JPMorgan Chase & Co. NY 467,527 29,256 >$50B 275,377 28,763 192,150 493 Iberiabank Corporation LA 275,598 1,346 $1B-$10B 32,143 660 243,455 686 American Express Bank FSB UT 194,598 29,951 $10B-$50B 181,146 29,883 13,452 68 Hancock Holding Company MS 147,303 995 $1B-$10B 24,921 637 122,382 358 MidSouth Bancorp Inc. LA 135,214 1,315 <$1B 32,496 1,000 102,718 315 BancorpSouth Inc. MS 131,559 911 $10B-$50B 20,663 573 110,896 338 Red River Bancshares Inc. LA 119,964 954 <$1B 24,390 649 95,574 305 GE Capital Financial Inc. UT 97,868 9,848 $1B-$10B 78,457 9,755 19,411 93 Wells Fargo & Company CA 79,301 2,217 >$50B 64,914 2,143 14,387 74 Jeff Davis Bancshares Inc. LA 61,762 725 <$1B 16,038 591 45,724 134 Citigroup Inc. NY 52,451 10,791 >$50B 52,198 10,790 253 1 Massachusetts - - Bank of America Corporation NC 674,362 23,725 >$50B 204,933 22,598 469,429 1,127 TD Bank N.A ME 631,574 4,308 >$50B 142,363 2,979 489,211 1,329 American Express Bank FSB UT 612,833 77,625 $10B-$50B 560,725 77,397 52,108 228 RBS CITizens N.A. RI 389,530 4,439 >$50B 79,192 3,690 310,338 749 JPMorgan Chase & Co. NY 333,819 38,035 >$50B 326,774 38,016 7,045 19 Eastern Bank Corporation MA 310,526 1,895 $1B-$10B 39,245 1,201 271,281 694 Sovereign Bank PA 248,021 2,034 >$50B 79,440 1,581 168,581 453 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Wells Fargo & Company CA 236,891 6,467 >$50B 194,158 6,233 42,733 234 Citigroup Inc. NY 210,499 29,295 >$50B 180,779 29,190 29,720 105 Middlesex Savings Bank MA 150,751 707 $1B-$10B 16,638 377 134,113 330 Independent Bank Corp. MA 136,181 1,227 $1B-$10B 28,123 911 108,058 316 Salem Five Bancorp MA 114,050 447 $1B-$10B 10,640 187 103,410 260 Capital One Financial Corporation VA 110,037 19,004 >$50B 109,287 19,002 750 2 Boston Private Financial Holdings MA 94,327 317 $1B-$10B 6,341 103 87,986 214 GE Capital Financial Inc. UT 85,187 7,041 $1B-$10B 68,148 6,968 17,039 73 CIT Group Inc. NY 79,965 3,302 . 69,272 3,284 10,693 18 Berkshire Bank MA 77,022 501 $1B-$10B 12,767 305 64,255 196 Beacon Bancorp MA 68,360 318 $1B-$10B 8,567 157 59,793 161 Northern Bancorp Inc. MA 55,955 224 <$1B 4,696 99 51,259 125 Cape Cod Five Cents Savings MA 55,051 350 $1B-$10B 8,014 218 47,037 132 Maryland - - PNC Financial Services Group PA 1,108,581 8,182 >$50B 204,237 5,694 904,344 2,488 Wells Fargo & Company CA 504,413 6,634 >$50B 188,667 5,679 315,746 955 American Express Bank FSB UT 443,723 54,949 $10B-$50B 403,196 54,766 40,527 183 Bank of America Corporation NC 434,672 19,661 >$50B 159,020 18,903 275,652 758 BB&T Corporation NC 427,106 1,955 >$50B 49,167 956 377,939 999 Manufacturers & Traders Trust NY 348,227 1,839 >$50B 51,208 1,047 297,019 792 JPMorgan Chase & Co. NY 312,936 34,033 >$50B 303,916 34,014 9,020 19 SunTrust Banks Inc. GA 259,781 2,824 >$50B 50,422 2,321 209,359 503 Susquehanna Bancshares Inc. PA 195,521 1,409 $10B-$50B 38,409 961 157,112 448 Sandy Spring Bancorp Inc. MD 176,111 763 $1B-$10B 14,977 336 161,134 427 Citigroup Inc. NY 120,613 19,383 >$50B 102,959 19,324 17,654 59 GE Capital Financial Inc. UT 100,365 8,200 $1B-$10B 62,094 8,039 38,271 161 Provident BankShares Corporation MD 94,750 311 $1B-$10B 6,031 114 88,719 197 Fulton Financial Corporation PA 91,056 486 $10B-$50B 12,716 295 78,340 191 Capital One Financial Corporation VA 76,915 15,750 >$50B 76,404 15,749 511 1 Chevy Chase Bank F.S.B. MD 74,799 764 $10B-$50B 18,336 624 56,463 140 CIT Group Inc. NY 57,676 2,903 . 53,951 2,892 3,725 11 Maine - - Td Bank N.A ME 365,203 2,983 >$50B 91,255 2,163 273,948 820 Camden National Corporation ME 189,586 1,752 $1B-$10B 49,906 1,285 139,680 467 Bangor Bancorp MHC ME 131,820 1,248 $1B-$10B 30,830 982 100,990 266 First Bancorp Inc. The ME 106,020 826 $1B-$10B 18,186 552 87,834 274 Norway Bancorp MHC ME 72,475 514 <$1B 13,672 320 58,803 194 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Kennebunk Savings Bank ME 66,938 423 <$1B 11,806 255 55,132 168 Bank of America Corporation NC 62,412 3,855 >$50B 26,474 3,745 35,938 110 Keycorp OH 60,756 400 >$50B 10,898 260 49,858 140 JPMorgan Chase & Co. NY 54,987 7,108 >$50B 53,412 7,105 1,575 3 American Express Bank FSB UT 54,087 7,677 $10B-$50B 51,689 7,662 2,398 15 Gorham Bancorp MHC ME 53,128 299 <$1B 8,073 162 45,055 137 Michigan - - Comerica Incorporated TX 1,444,648 4,735 >$50B 81,192 1,388 1,363,456 3,347 Fifth Third Bancorp OH 1,343,514 9,778 >$50B 172,631 6,654 1,170,883 3,124 Bank of America Corporation NC 784,949 14,966 >$50B 147,365 13,304 637,584 1,662 JPMorgan Chase & Co. NY 772,342 56,703 >$50B 483,409 55,996 288,933 707 Citizens Republic Bancorp I MI 593,077 3,066 $10B-$50B 83,003 1,702 510,074 1,364 Mercantile Bank Corporation MI 490,881 2,156 $1B-$10B 48,780 1,010 442,101 1,146 American Express Bank FSB UT 473,862 57,400 $10B-$50B 447,671 57,284 26,191 116 Macatawa Bank Corporation MI 429,579 2,649 $1B-$10B 70,174 1,629 359,405 1,020 Huntington Bancshares Incorp. OH 378,044 4,287 >$50B 143,088 3,670 234,956 617 Wells Fargo & Company CA 288,221 7,860 >$50B 222,791 7,558 65,430 302 PNC Financial Services Group PA 253,163 3,331 >$50B 70,036 2,812 183,127 519 Chemical Financial Corporation MI 245,268 2,175 $1B-$10B 54,777 1,561 190,491 614 Independent Bank Corporation MI 218,658 1,474 $1B-$10B 40,940 915 177,718 559 Dearborn Bancorp Inc. MI 173,906 641 $1B-$10B 11,240 231 162,666 410 MBT Financial Corp. MI 158,694 948 $1B-$10B 22,191 530 136,503 418 Citigroup Inc. NY 157,057 29,003 >$50B 153,718 28,989 3,339 14 U.S. Bancorp MN 151,828 13,647 >$50B 144,217 13,624 7,611 23 GE Capital Financial Inc. UT 142,339 17,397 $1B-$10B 108,544 17,299 33,795 98 Capital One Financial Corporation VA 102,044 20,424 >$50B 102,044 20,424 - - CIT Group Inc. NY 93,786 3,750 . 74,517 3,703 19,269 47 First Place Bank OH 73,358 343 <$1B 9,342 174 64,016 169 O.A.K. Financial Corporation MI 64,471 313 <$1B 7,877 142 56,594 171 RBS Citizens N.A. RI 62,521 877 >$50B 17,251 782 45,270 95 Arbor Bancorp Inc. MI 62,436 263 <$1B 6,987 120 55,449 143 Advanta Bank Corp UT 59,613 9,186 $1B-$10B 59,613 9,186 - - Irwin Financial Corporation IN 59,367 311 $1B-$10B 8,485 158 50,882 153 Isabella Bank Corporation MI 56,430 402 $1B-$10B 11,608 254 44,822 148 Fentura Financial Inc. MI 56,301 361 <$1B 10,061 216 46,240 145 FNBH Bancorp Inc. MI 54,165 360 <$1B 10,080 220 44,085 140 United Bancorp Inc. MI 50,304 285 <$1B 6,236 150 44,068 135 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Minnesota - - Wells Fargo & Company CA 1,470,382 38,953 >$50B 905,017 37,245 565,365 1,708 Otto Bremer Foundation MN 640,017 3,114 $1B-$10B 71,647 1,630 568,370 1,484 U.S. Bancorp MN 638,712 20,820 >$50B 226,588 19,786 412,124 1,034 Marshall & Ilsley Corporation WI 457,857 1,633 >$50B 30,396 695 427,461 938 American Express Bank FSB UT 233,877 24,845 $10B-$50B 217,527 24,777 16,350 68 Klein Financial Inc. MN 208,014 1,400 $1B-$10B 33,708 902 174,306 498 Associated Banc-Corp WI 202,770 1,007 $10B-$50B 20,447 559 182,323 448 JPMorgan Chase & Co. NY 195,646 24,892 >$50B 186,792 24,874 8,854 18 Voyager Financial Services C MN 103,897 492 <$1B 13,227 247 90,670 245 State BankShares Inc. ND 97,189 704 $1B-$10B 17,161 484 80,028 220 GE Capital Financial Inc. UT 93,993 6,809 $1B-$10B 80,455 6,743 13,538 66 Home Federal Savings Bank MN 76,157 363 $1B-$10B 9,024 194 67,133 169 Capital One Financial Corporation VA 75,911 14,569 >$50B 73,911 14,567 2,000 2 Citigroup Inc. NY 71,197 12,301 >$50B 71,075 12,300 122 1 Bank of The West CA 60,120 466 >$50B 11,457 336 48,663 130 Bank of America Corporation NC 52,456 6,475 >$50B 36,828 6,440 15,628 35 Missouri - - Central Bancompany MO 729,562 5,952 $1B-$10B 138,624 4,184 590,938 1,768 Commerce Bancshares Inc. MO 597,983 4,552 $10B-$50B 98,405 3,102 499,578 1,450 U.S. Bancorp MN 472,555 10,680 >$50B 137,135 9,723 335,420 957 Marshall & Ilsley Corporation WI 414,940 1,660 >$50B 33,196 695 381,744 965 Enterprise Financial Service MO 282,566 1,025 $1B-$10B 21,499 366 261,067 659 Bank Of America Corporation NC 254,655 12,210 >$50B 90,831 11,749 163,824 461 UMB Financial Corporation MO 234,490 1,462 $1B-$10B 27,888 909 206,602 553 American Express Bank FSB UT 224,608 28,406 $10B-$50B 205,995 28,316 18,613 90 JPMorgan Chase & Co. NY 203,821 26,513 >$50B 198,824 26,499 4,997 14 Regions Financial Corporation AL 202,492 1,188 >$50B 30,464 698 172,028 490 Wells Fargo & Company CA 149,813 4,176 >$50B 119,804 4,056 30,009 120 GE Capital Financial Inc. UT 128,705 13,504 $1B-$10B 103,031 13,447 25,674 57 First Banks Inc. MO 118,935 693 $10B-$50B 15,300 415 103,635 278 Citigroup Inc. NY 99,414 16,883 >$50B 99,414 16,883 - - Great Southern Bancorp Inc. MO 90,871 429 $1B-$10B 8,090 219 82,781 210 Arvest Bank Group Inc. AR 78,633 558 $1B-$10B 11,877 357 66,756 201 Dickinson Financial Corporation MO 76,320 746 $1B-$10B 17,590 560 58,730 186 Bancorpsouth Inc. MS 72,109 336 $10B-$50B 7,294 169 64,815 167 Capital One Financial Corporation VA 68,041 14,578 >$50B 66,891 14,576 1,150 2 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Pulaski Bank MO 63,614 271 $1B-$10B 5,915 109 57,699 162 CIT Group Inc. NY 62,758 2,330 . 51,435 2,313 11,323 17 Premier Bancshares Inc. MO 57,421 294 $1B-$10B 7,724 163 49,697 131 Mississippi - - Regions Financial Corporation AL 399,460 3,766 >$50B 121,401 2,971 278,059 795 Trustmark Corporation MS 398,497 3,599 $1B-$10B 100,010 2,718 298,487 881 BancorpSouth Inc. MS 329,861 3,523 $10B-$50B 72,753 2,698 257,108 825 Bancplus Corporation MS 172,035 2,214 $1B-$10B 42,828 1,816 129,207 398 Renasant Corporation MS 132,110 1,233 $1B-$10B 29,284 890 102,826 343 Citizens National Banc Corp. MS 114,320 1,044 $1B-$10B 24,207 770 90,113 274 Hancock Holding Company MS 105,750 960 $1B-$10B 25,052 684 80,698 276 Wells Fargo & Company CA 104,461 1,411 >$50B 40,846 1,219 63,615 192 American Express Bank FSB UT 83,081 13,112 $10B-$50B 77,192 13,076 5,889 36 First M & F Corporation MS 77,229 1,354 $1B-$10B 30,172 1,184 47,057 170 State Bank And Trust Company MS 76,334 1,639 <$1B 26,986 1,445 49,348 194 Cadence Financial Corporation MS 70,145 1,256 $1B-$10B 23,196 1,084 46,949 172 GE Capital Financial Inc. UT 68,549 5,415 $1B-$10B 38,214 5,254 30,335 161 JPMorgan Chase & Co. NY 59,006 8,620 >$50B 56,640 8,613 2,366 7 Montana - - First Interstate Bancsystem MT 234,360 2,887 $1B-$10B 63,037 2,323 171,323 564 Wells Fargo & Company CA 192,698 5,008 >$50B 117,106 4,777 75,592 231 American Express Bank FSB UT 146,018 16,561 $10B-$50B 142,757 16,544 3,261 17 Stockman Financial Corporation MT 140,329 1,122 $1B-$10B 26,796 780 113,533 342 U.S. Bancorp MN 100,918 2,262 >$50B 28,537 2,054 72,381 208 North Carolina - - BB&T Corporation NC 2,495,110 16,379 >$50B 438,560 10,453 2,056,550 5,926 Wells Fargo & Company CA 1,876,989 14,896 >$50B 350,534 10,865 1,526,455 4,031 First Citizens Bancshares NC 1,154,196 12,397 $10B-$50B 286,438 9,789 867,758 2,608 Suntrust Banks Inc. GA 439,635 4,277 >$50B 78,244 3,203 361,391 1,074 American Express Bank FSB UT 416,805 53,415 $10B-$50B 384,052 53,268 32,753 147 Bank of America Corporation NC 394,009 22,178 >$50B 149,848 21,541 244,161 637 RBC Bank NC 351,929 2,353 $10B-$50B 50,675 1,551 301,254 802 South Financial Group Inc. SC 269,554 1,636 $10B-$50B 40,529 947 229,025 689 Fidelity Bancshares (N.C.) NC 258,364 1,714 $1B-$10B 40,757 1,029 217,607 685 JPMorgan Chase & Co. NY 256,383 32,831 >$50B 247,772 32,808 8,611 23 GE Capital Financial Inc. UT 230,901 29,538 $1B-$10B 184,061 29,285 46,840 253 NewBridge Bancorp NC 202,555 1,247 $1B-$10B 32,950 737 169,605 510 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) FNB United Corp. NC 187,760 1,241 $1B-$10B 38,386 757 149,374 484 Yadkin Valley Financial Corp NC 167,622 1,218 $1B-$10B 31,416 764 136,206 454 Southern Bancshares (N.C.) NC 150,728 1,505 $1B-$10B 34,869 1,132 115,859 373 Citigroup Inc. NY 127,859 24,598 >$50B 124,867 24,587 2,992 11 Citizens South Bank NC 112,151 604 <$1B 15,637 326 96,514 278 CIT Group Inc. NY 100,309 3,659 . 75,511 3,614 24,798 45 Capital One Financial Corporation VA 96,758 20,098 >$50B 95,358 20,095 1,400 3 Southern Community Financial NC 96,179 677 $1B-$10B 16,210 438 79,969 239 Regions Financial Corporation AL 82,537 396 >$50B 8,099 207 74,438 189 First Bancorp NC 77,719 975 $1B-$10B 22,115 799 55,604 176 Capital Bank Corporation NC 69,305 491 $1B-$10B 12,213 327 57,092 164 Four Oaks Fincorp Inc. NC 65,649 739 <$1B 16,555 572 49,094 167 Peoples Bancorp of North Carolina NC 62,165 431 <$1B 11,280 274 50,885 157 United Community Banks Inc. GA 60,543 796 $1B-$10B 18,465 646 42,078 150 Fifth Third Bancorp OH 59,376 872 >$50B 13,843 754 45,533 118 Advanta Bank Corp UT 50,286 7,328 $1B-$10B 50,286 7,328 - - North Dakota - - Otto Bremer Foundation MN 219,683 1,189 $1B-$10B 26,483 685 193,200 504 State Bankshares Inc. ND 210,468 1,200 $1B-$10B 29,423 709 181,045 491 Wells Fargo & Company CA 175,791 2,966 >$50B 74,165 2,676 101,626 290 Alerus Financial Corporation ND 83,905 457 <$1B 9,428 263 74,477 194 U.S. Bancorp MN 56,209 2,644 >$50B 28,544 2,572 27,665 72 Nebraska - - Lauritzen Corporation NE 362,603 4,541 $10B-$50B 81,232 3,713 281,371 828 Wells Fargo & Company CA 269,772 6,580 >$50B 152,677 6,220 117,095 360 Pinnacle Bancorp Inc. NE 263,700 3,527 $1B-$10B 75,882 2,928 187,818 599 Farmers & Merchants Investment NE 127,770 847 $1B-$10B 19,802 539 107,968 308 U.S. Bancorp MN 113,991 3,176 >$50B 38,861 2,983 75,130 193 Tierone Bank NE 112,942 1,183 $1B-$10B 27,468 902 85,474 281 American National Corporation NE 75,303 479 $1B-$10B 10,822 303 64,481 176 JPMorgan Chase & Co. NY 71,544 9,266 >$50B 71,294 9,265 250 1 Great Western Bank SD 60,036 457 $1B-$10B 12,694 309 47,342 148 American Express Bank FSB UT 58,051 6,998 $10B-$50B 54,310 6,978 3,741 20 New Hampshire - - TD Bank N.A ME 352,252 2,913 >$50B 89,793 2,112 262,459 801 RBS Citizens N.A. RI 157,018 1,820 >$50B 36,742 1,517 120,276 303 Ocean Bank NH 113,066 679 17,875 389 95,191 290 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Bank Of America Corporation NC 101,924 4,510 >$50B 32,102 4,352 69,822 158 American Express Bank FSB UT 91,476 12,417 $10B-$50B 84,195 12,385 7,281 32 JPMorgan Chase & Co. NY 75,395 9,233 >$50B 74,315 9,227 1,080 6 Wells Fargo & Company CA 63,572 1,626 >$50B 52,809 1,560 10,763 66 New Jersey - - Wells Fargo & Company CA 1,453,467 14,325 >$50B 386,727 11,429 1,066,740 2,896 PNC Financial Services Group PA 1,295,770 16,656 >$50B 647,790 14,917 647,980 1,739 American Express Bank FSB UT 1,106,105 142,843 $10B-$50B 969,024 142,273 137,081 570 JPMorgan Chase & Co. NY 922,115 69,951 >$50B 742,253 69,555 179,862 396 Bank of America Corporation NC 874,222 33,000 >$50B 286,051 31,566 588,171 1,434 Valley National Bancorp NJ 460,700 3,191 $10B-$50B 98,019 2,315 362,681 876 Capital One Financial Corporation VA 337,484 30,816 >$50B 177,987 30,437 159,497 379 Fulton Financial Corporation PA 309,153 1,687 $10B-$50B 46,635 973 262,518 714 TD Bank N.A ME 289,219 1,945 >$50B 61,673 1,380 227,546 565 Citigroup Inc. NY 288,745 40,317 >$50B 240,018 40,153 48,727 164 Lakeland Bancorp Inc. NJ 131,560 608 $1B-$10B 16,566 302 114,994 306 Susquehanna Bancshares Inc. PA 130,429 745 $10B-$50B 19,338 418 111,091 327 Provident Financial Services NJ 127,264 636 $1B-$10B 16,031 360 111,233 276 Sun Bancorp Inc NJ 124,258 578 $1B-$10B 16,718 319 107,540 259 GE Capital Financial Inc. UT 116,162 10,168 $1B-$10B 75,886 10,028 40,276 140 Columbia Bank NJ 104,703 505 $1B-$10B 17,126 273 87,577 232 HSBC Bank USA NA NY 99,121 1,121 >$50B 50,782 999 48,339 122 CIT Group Inc. NY 89,482 4,123 . 81,055 4,102 8,427 21 Stewardship Financial Corporation NJ 78,139 354 <$1B 8,029 165 70,110 189 Sovereign Bank PA 71,142 802 >$50B 41,807 720 29,335 82 Advanta Bank Corp UT 63,969 8,938 $1B-$10B 63,969 8,938 - - Amboy Bancorporation NJ 58,231 260 $1B-$10B 7,695 124 50,536 136 Peapack-Gladstone Financial NJ 56,243 247 $1B-$10B 5,812 127 50,431 120 New Mexico - - Wells Fargo & Company CA 404,824 9,990 >$50B 241,165 9,467 163,659 523 First State Bancorporation NM 328,577 1,888 $1B-$10B 41,183 1,096 287,394 792 American Express Bank FSB UT 99,272 13,438 $10B-$50B 92,299 13,397 6,973 41 JPMorgan Chase & Co. NY 93,943 9,630 >$50B 90,257 9,620 3,686 10 Bank of America Corporation NC 86,355 4,430 >$50B 31,595 4,268 54,760 162 BOK Financial Corporation OK 83,350 366 $10B-$50B 9,149 167 74,201 199 Trinity Capital Corporation NM 74,387 416 $1B-$10B 10,241 221 64,146 195 Bank of The West CA 55,556 450 >$50B 10,452 333 45,104 117 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Nevada - - Wells Fargo & Company CA 609,552 21,014 >$50B 444,020 20,465 165,532 549 Zions Bancorporation UT 288,126 2,526 >$50B 67,948 2,017 220,178 509 American Express Bank FSB UT 251,293 29,163 $10B-$50B 230,328 29,064 20,965 99 Western Alliance Bancorporation NV 203,609 897 $1B-$10B 24,443 397 179,166 500 Bank of America Corporation NC 172,966 8,733 >$50B 74,191 8,467 98,775 266 JPMorgan Chase & Co. NY 155,114 15,321 >$50B 148,353 15,304 6,761 17 U.S. Bancorp MN 120,047 4,040 >$50B 39,877 3,859 80,170 181 Citigroup Inc. NY 74,821 11,300 >$50B 62,919 11,257 11,902 43 City National Corporation CA 60,460 259 $10B-$50B 6,858 115 53,602 144 Community Bancorp NV 60,006 332 $1B-$10B 8,644 208 51,362 124 Bank of The West CA 55,488 277 >$50B 5,850 164 49,638 113 New York - - JPMorgan Chase & Co. NY 3,250,174 183,372 >$50B 2,351,163 181,228 899,011 2,144 American Express Bank FSB UT 2,205,467 270,441 $10B-$50B 1,920,983 269,165 284,484 1,276 HSBC Bank USA NA NY 1,944,788 24,680 >$50B 898,657 21,599 1,046,131 3,081 Capital One Financial Corporation VA 1,519,131 67,570 >$50B 686,576 65,437 832,555 2,133 Manufacturers & Traders Trust NY 1,156,653 5,234 >$50B 121,669 2,609 1,034,984 2,625 Bank of America Corporation NC 1,001,059 41,852 >$50B 359,279 40,234 641,780 1,618 Citigroup Inc. NY 931,212 86,403 >$50B 597,762 85,332 333,450 1,071 Wells Fargo & Company CA 841,992 16,146 >$50B 490,379 14,900 351,613 1,246 First Niagara Bank NY 373,558 3,036 $1B-$10B 73,839 2,132 299,719 904 Signature Bank NY 325,615 1,234 $1B-$10B 27,358 528 298,257 706 Keycorp OH 273,322 1,696 >$50B 42,134 1,096 231,188 600 State Bancorp Inc. NY 267,161 923 $1B-$10B 15,467 371 251,694 552 TD Bank N.A ME 241,311 1,756 >$50B 50,201 1,270 191,110 486 NBT Bancorp Inc. NY 227,037 2,179 $1B-$10B 55,621 1,625 171,416 554 GE Capital Financial Inc. UT 217,361 17,811 $1B-$10B 154,036 17,562 63,325 249 CIT Group Inc. NY 196,792 9,001 . 175,580 8,957 21,212 44 Tompkins Financial Corporation NY 187,835 1,240 $1B-$10B 36,035 814 151,800 426 Community Bank System Inc. NY 152,651 2,095 $1B-$10B 55,555 1,739 97,096 356 Financial Institutions Inc. NY 149,345 1,519 $1B-$10B 46,093 1,215 103,252 304 RBS Citizens N.A. RI 140,944 2,266 >$50B 32,958 2,029 107,986 237 Suffolk Bancorp NY 133,490 878 $1B-$10B 25,877 537 107,613 341 Valley National Bancorp NJ 116,960 653 $10B-$50B 28,685 473 88,275 180 Advanta Bank Corp UT 113,530 16,655 $1B-$10B 113,530 16,655 - - New York Community Bancorp NY 113,474 387 $10B-$50B 5,553 129 107,921 258 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Provident Bank NY 111,206 725 $1B-$10B 19,829 459 91,377 266 Canandaigua National Corpora NY 85,164 1,018 $1B-$10B 21,484 821 63,680 197 Hudson Valley Holding Corp. NY 85,028 243 $1B-$10B 2,742 56 82,286 187 Alliance Financial Corporation NY 75,718 550 $1B-$10B 12,948 364 62,770 186 Discover Bank DE 74,263 9,567 $10B-$50B 74,263 9,567 - - Bridge Bancorp Inc. NY 73,232 677 <$1B 22,583 518 50,649 159 FBOP Corporation IL 61,919 143 $10B-$50B 185 3 61,734 140 Arrow Financial Corporation NY 57,294 510 $1B-$10B 13,566 380 43,728 130 Ohio - - Fifth Third Bancorp OH 1,358,457 7,806 >$50B 133,522 4,713 1,224,935 3,093 Huntington Bancshares Incorp. OH 1,178,431 11,114 >$50B 330,682 8,869 847,749 2,245 JPMorgan Chase & Co. NY 894,203 64,424 >$50B 568,685 63,551 325,518 873 PNC Financial Services Group PA 776,694 7,416 >$50B 184,737 5,728 591,957 1,688 Park National Corporation OH 530,924 4,033 $1B-$10B 110,010 2,760 420,914 1,273 American Express Bank FSB UT 456,114 54,847 $10B-$50B 413,359 54,659 42,755 188 U.S. Bancorp MN 445,367 13,987 >$50B 155,099 13,196 290,268 791 FirstMerit Corporation OH 332,675 1,452 $10B-$50B 32,529 660 300,146 792 Keycorp OH 321,405 1,713 >$50B 40,528 973 280,877 740 First Federal Bank of The MI OH 248,411 1,586 $1B-$10B 39,819 972 208,592 614 Wells Fargo & Company CA 241,427 6,508 >$50B 189,506 6,279 51,921 229 GE Capital Financial Inc. UT 236,655 25,611 $1B-$10B 181,534 25,435 55,121 176 First Financial Bancorp OH 168,515 925 $1B-$10B 25,546 505 142,969 420 Citigroup Inc. NY 132,398 25,511 >$50B 131,070 25,504 1,328 7 Bank of America Corporation NC 130,877 13,583 >$50B 82,240 13,466 48,637 117 RBS Citizens N.A. RI 121,725 1,566 >$50B 27,983 1,329 93,742 237 CIT Group Inc. NY 106,670 4,149 . 90,044 4,112 16,626 37 Capital One Financial Corporation VA 104,872 23,206 >$50B 104,872 23,206 - - Wesbanco Inc. WV 84,288 540 $1B-$10B 14,335 336 69,953 204 LCNB Corp. OH 69,927 363 <$1B 9,558 199 60,369 164 Citizens Bancshares Inc. OH 67,296 407 <$1B 11,019 231 56,277 176 Advanta Bank Corp UT 56,920 8,442 $1B-$10B 56,920 8,442 - - First Place Bank OH 55,268 236 <$1B 4,525 100 50,743 136 Farmers & Merchants Bancorp OH 55,195 446 <$1B 10,609 312 44,586 134 Oklahoma - - BancFirst Corporation OK 372,968 4,324 $1B-$10B 96,223 3,481 276,745 843 Arvest Bank Group Inc. AR 341,437 4,122 $1B-$10B 91,937 3,286 249,500 836 BOK Financial Corporation OK 319,055 1,188 $10B-$50B 26,600 479 292,455 709 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) JPMorgan Chase & Co. NY 181,470 19,679 >$50B 162,213 19,627 19,257 52 MidFirst Bank OK 157,610 708 $10B-$50B 16,494 345 141,116 363 One Rich Hill Land Ltd. Part TX 155,434 878 $1B-$10B 21,843 504 133,591 374 Southwest Bancorp Inc. OK 148,250 702 $1B-$10B 17,067 334 131,183 368 American Express Bank FSB UT 135,360 19,705 $10B-$50B 124,024 19,643 11,336 62 Durant Bancorp Inc. OK 120,707 1,463 $1B-$10B 34,090 1,134 86,617 329 Wells Fargo & Company CA 77,466 2,496 >$50B 67,664 2,434 9,802 62 Bank of America Corporation NC 76,015 5,898 >$50B 36,045 5,769 39,970 129 GE Capital Financial Inc. UT 66,226 8,265 $1B-$10B 48,388 8,185 17,838 80 First Fidelity Bancorp Inc. OK 62,490 567 $1B-$10B 15,474 415 47,016 152 Central Bancompany MO 60,289 414 $1B-$10B 10,302 263 49,987 151 Citigroup Inc. NY 59,165 10,293 >$50B 58,715 10,291 450 2 Oregon - - Wells Fargo & Company CA 802,201 21,299 >$50B 539,440 20,272 262,761 1,027 U.S. Bancorp MN 500,621 14,294 >$50B 159,137 13,438 341,484 856 American Express Bank FSB UT 382,512 42,410 $10B-$50B 373,385 42,368 9,127 42 Umpqua Holdings Corporation OR 380,367 1,721 $1B-$10B 42,213 824 338,154 897 JPMorgan Chase & Co. NY 321,943 28,041 >$50B 281,273 27,958 40,670 83 Cascade Bancorp OR 207,612 1,424 $1B-$10B 39,693 971 167,919 453 Bank of America Corporation NC 188,491 12,376 >$50B 85,259 12,112 103,232 264 Sterling Financial Corporation WA 187,859 1,084 $10B-$50B 26,838 672 161,021 412 West Coast Bancorp OR 144,967 780 $1B-$10B 19,741 431 125,226 349 Columbia Bancorp OR 129,106 683 $1B-$10B 18,098 380 111,008 303 Bank of The West CA 126,054 736 >$50B 14,395 502 111,659 234 Keycorp OH 125,783 644 >$50B 15,072 383 110,711 261 Pacific Continental Corporation OR 121,454 570 $1B-$10B 14,210 276 107,244 294 GE Capital Financial Inc. UT 88,599 2,877 $1B-$10B 30,932 2,660 57,667 217 PremierWest Bancorp OR 88,176 490 $1B-$10B 14,152 279 74,024 211 Capital One Financial Corporation VA 70,502 14,379 >$50B 70,502 14,379 - - Citigroup Inc. NY 66,834 12,372 >$50B 66,834 12,372 - - Liberty Financial Group Inc OR 60,135 377 <$1B 11,471 235 48,664 142 Pennsylvania - - PNC Financial Services Group PA 2,250,205 25,732 >$50B 858,467 21,782 1,391,738 3,950 Wells Fargo & Company CA 1,370,673 13,989 >$50B 366,065 11,335 1,004,608 2,654 Fulton Financial Corporation PA 697,940 3,969 $10B-$50B 103,639 2,343 594,301 1,626 American Express Bank FSB UT 633,794 83,676 $10B-$50B 580,125 83,438 53,669 238 Susquehanna Bancshares Inc. PA 549,398 4,032 $10B-$50B 107,875 2,681 441,523 1,351 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Manufacturers & Traders Trust NY 527,083 2,572 >$50B 66,540 1,373 460,543 1,199 RBS Citizens N.A. RI 522,019 4,426 >$50B 105,812 3,337 416,207 1,089 JPMorgan Chase & Co. NY 498,811 57,588 >$50B 455,796 57,486 43,015 102 F.N.B. Corporation PA 492,749 3,399 $1B-$10B 87,930 2,105 404,819 1,294 National Penn Bancshares In PA 361,656 1,607 $1B-$10B 38,432 738 323,224 869 S & T Bancorp Inc. PA 266,889 2,232 $1B-$10B 52,431 1,620 214,458 612 GE Capital Financial Inc. UT 263,358 23,888 $1B-$10B 177,791 23,548 85,567 340 Bank of America Corporation NC 259,132 21,793 >$50B 134,651 21,474 124,481 319 First Commonwealth Financial PA 242,428 1,091 $1B-$10B 25,609 614 216,819 477 Citigroup Inc. NY 239,542 36,097 >$50B 202,009 35,956 37,533 141 Sovereign Bank PA 175,543 1,451 >$50B 52,404 1,111 123,139 340 Northwest Savings Bank PA 159,020 1,170 $1B-$10B 32,584 738 126,436 432 Capital One Financial Corporation VA 144,256 30,758 >$50B 144,256 30,758 - - CNB Financial Corporation PA 118,462 899 <$1B 28,208 608 90,254 291 U.S. Bancorp MN 115,085 5,556 >$50B 79,391 5,392 35,694 164 CIT Group Inc. NY 111,600 5,018 . 105,004 5,002 6,596 16 TD Bank N.A ME 104,866 549 >$50B 15,521 333 89,345 216 Dollar Bank FSB PA 94,746 378 $1B-$10B 7,794 162 86,952 216 Univest Corporation of PA PA 89,327 625 $1B-$10B 15,675 397 73,652 228 Graystone Financial Corp PA 86,736 343 <$1B 7,120 137 79,616 206 Metro Bancorp Inc. PA 81,424 362 $1B-$10B 8,786 164 72,638 198 Advanta Bank Corp UT 73,684 10,499 $1B-$10B 73,684 10,499 - - QNB Corp. PA 70,684 500 <$1B 14,965 332 55,719 168 First National Community Bank PA 70,102 706 $1B-$10B 20,902 580 49,200 126 Vist Financial Corp. PA 69,794 432 $1B-$10B 12,952 270 56,842 162 Harleysville National Corporation PA 61,457 397 $1B-$10B 10,794 246 50,663 151 Discover Bank DE 57,664 7,114 $10B-$50B 57,664 7,114 - - Fidelity D&D Bancorp Inc. PA 55,284 444 <$1B 12,049 309 43,235 135 Community Bank System Inc. NY 51,185 489 $1B-$10B 11,324 364 39,861 125 Bryn Mawr Bank Corporation PA 50,304 221 $1B-$10B 5,201 90 45,103 131 Puerto Rico - - Popular Inc. PR 1,407,665 17,976 $10B-$50B 500,442 14,940 907,223 3,036 Banco Santander De Puerto RI PR 214,547 1,925 $1B-$10B 52,861 1,442 161,686 483 Eurobancshares Inc. PR 184,308 1,168 $1B-$10B 34,171 726 150,137 442 Compass Bank AL 159,293 1,413 >$50B 36,549 1,076 122,744 337 First Bancorp PR 99,452 525 $10B-$50B 11,278 309 88,174 216 R&G Financial Corporation PR 71,848 316 $1B-$10B 5,807 130 66,041 186 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) W Holding Company Inc. PR 69,085 398 $10B-$50B 9,541 232 59,544 166 Rhode Island - - Bank of America Corporation NC 177,172 3,508 >$50B 31,866 3,143 145,306 365 RBS Citizens N.A. RI 159,189 1,742 >$50B 29,231 1,435 129,958 307 Bancorp Rhode Island Inc. RI 117,919 804 25,171 527 92,748 277 Washington Trust Bancorp In RI 83,984 469 $1B-$10B 10,115 280 73,869 189 American Express Bank FSB UT 67,912 9,718 $10B-$50B 66,011 9,708 1,901 10 Sovereign Bank PA 54,163 372 >$50B 14,245 263 39,918 109 South Carolina - - Wells Fargo & Company CA 739,339 5,603 >$50B 130,323 4,049 609,016 1,554 BB&T Corporation NC 626,907 4,148 >$50B 110,130 2,658 516,777 1,490 First Citizens Bancorporation SC 534,712 4,032 $1B-$10B 104,225 2,693 430,487 1,339 Synovus Financial Corp. GA 397,145 2,825 $10B-$50B 67,085 1,856 330,060 969 South Financial Group Inc. SC 381,566 2,557 $10B-$50B 59,122 1,613 322,444 944 SCBT Financial Corporation SC 352,904 2,488 $1B-$10B 67,193 1,628 285,711 860 Bank of America Corporation NC 229,618 10,663 >$50B 78,137 10,234 151,481 429 American Express Bank FSB UT 227,343 29,050 $10B-$50B 216,269 28,989 11,074 61 CNB Corporation SC 214,676 2,655 <$1B 57,614 2,083 157,062 572 Regions Financial Corporation AL 110,226 715 >$50B 18,124 443 92,102 272 SunTrust Banks Inc. GA 106,233 749 >$50B 12,810 517 93,423 232 JPMorgan Chase & Co. NY 105,255 13,987 >$50B 103,675 13,981 1,580 6 GE Capital Financial Inc. UT 92,396 11,558 $1B-$10B 72,273 11,470 20,123 88 Palmetto Bancshares Inc. SC 83,267 716 $1B-$10B 17,913 517 65,354 199 First Federal of Charleston SC 70,133 474 $1B-$10B 14,224 298 55,909 176 South Dakota - - Wells Fargo & Company CA 344,830 5,708 >$50B 136,234 5,161 208,596 547 Dacotah Banks Inc. SD 170,838 1,720 $1B-$10B 36,761 1,286 134,077 434 Minnehaha Banshares Inc. SD 144,291 887 $1B-$10B 22,543 575 121,748 312 U.S. Bancorp MN 143,952 2,132 >$50B 27,630 1,840 116,322 292 Great Western Bank SD 118,236 1,176 $1B-$10B 25,448 887 92,788 289 Home Federal Bank SD 55,890 406 $1B-$10B 11,024 266 44,866 140 Lauritzen Corporation NE 54,070 513 $10B-$50B 10,237 396 43,833 117 Tennessee - - Regions Financial Corporation AL 958,616 9,932 >$50B 364,628 8,234 593,988 1,698 First Horizon National Corporation TN 879,004 4,978 $10B-$50B 136,427 2,844 742,577 2,134 SunTrust Banks Inc. GA 606,864 4,420 >$50B 80,968 3,031 525,896 1,389 Pinnacle Financial Partners TN 553,490 2,675 $1B-$10B 61,992 1,383 491,498 1,292 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Green Bankshares Inc. TN 289,557 1,979 $1B-$10B 50,947 1,228 238,610 751 American Express Bank FSB UT 249,680 33,880 $10B-$50B 235,756 33,807 13,924 73 BB&T Corporation NC 222,925 1,368 >$50B 36,454 831 186,471 537 Bank of America Corporation NC 181,501 10,879 >$50B 72,697 10,600 108,804 279 Wells Fargo & Company CA 181,062 3,524 >$50B 101,647 3,267 79,415 257 First South Bancorp Inc. TN 166,650 2,531 $1B-$10B 43,466 2,111 123,184 420 First Security Group Inc. TN 159,482 1,141 $1B-$10B 28,462 735 131,020 406 JPMorgan Chase & Co. NY 157,451 20,622 >$50B 151,525 20,608 5,926 14 GE Capital Financial Inc. UT 115,816 13,853 $1B-$10B 92,876 13,764 22,940 89 Renasant Corporation MS 110,947 622 $1B-$10B 14,876 344 96,071 278 Synovus Financial Corp. GA 107,299 572 $10B-$50B 14,882 296 92,417 276 Bancorpsouth Inc. MS 104,107 926 $10B-$50B 20,814 661 83,293 265 First Citizens Bancshares I TN 101,968 1,037 <$1B 25,574 794 76,394 243 U.S. Bancorp MN 94,622 4,125 >$50B 46,074 3,985 48,548 140 Community First Bancshares TN 87,746 679 $1B-$10B 15,234 457 72,512 222 Fifth Third Bancorp OH 73,628 636 >$50B 11,868 483 61,760 153 Citigroup Inc. NY 72,334 14,119 >$50B 71,636 14,113 698 6 Community First Inc. TN 63,538 526 <$1B 12,150 360 51,388 166 CIT Group Inc. NY 62,212 2,429 . 51,005 2,406 11,207 23 Wilson Bank Holding Company TN 55,594 334 $1B-$10B 7,450 186 48,144 148 Capital One Financial Corporation VA 50,806 11,799 >$50B 50,296 11,798 510 1 Cadence Financial Corporation MS 50,647 321 $1B-$10B 8,715 206 41,932 115 Texas - - Wells Fargo & Company CA 3,395,478 75,695 >$50B 1,842,537 70,979 1,552,941 4,716 JPMorgan Chase & Co. NY 2,163,829 157,966 >$50B 1,690,930 156,703 472,899 1,263 American Express Bank FSB UT 1,484,250 196,077 $10B-$50B 1,319,849 195,318 164,401 759 Cullen/Frost Bankers Inc. TX 1,237,399 6,222 $10B-$50B 167,405 3,430 1,069,994 2,792 Bank Of America Corporation NC 877,718 50,073 >$50B 361,038 48,641 516,680 1,432 Capital One Financial Corporation VA 700,707 75,251 >$50B 405,613 74,380 295,094 871 Compass Bank AL 556,999 9,399 >$50B 294,679 8,476 262,320 923 Citigroup Inc. NY 553,420 80,702 >$50B 465,014 80,436 88,406 266 GE Capital Financial Inc. UT 546,361 43,627 $1B-$10B 331,296 42,879 215,065 748 Zions Bancorporation UT 455,065 2,681 >$50B 76,338 1,651 378,727 1,030 Prosperity Bancshares Inc. TX 450,741 3,952 $1B-$10B 98,273 2,878 352,468 1,074 CIT Group Inc. NY 358,525 12,432 . 241,728 12,219 116,797 213 Comerica Incorporated TX 292,542 1,120 >$50B 24,617 459 267,925 661 International Bancshares Corp. TX 292,385 2,355 $10B-$50B 58,981 1,633 233,404 722 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) BOK Financial Corporation OK 279,407 1,127 $10B-$50B 26,303 495 253,104 632 Regions Financial Corporation AL 263,429 1,851 >$50B 53,838 1,240 209,591 611 American State Financial Corp. TX 235,560 3,007 $1B-$10B 61,965 2,514 173,595 493 Texas Capital Bancshares In TX 226,632 748 $1B-$10B 15,261 279 211,371 469 City Bank TX 208,640 1,629 $1B-$10B 36,278 1,127 172,362 502 Lone Star National Bancshares TX 189,545 1,703 $1B-$10B 47,402 1,212 142,143 491 A.N.B. Holding Company Ltd. TX 186,425 1,365 $1B-$10B 37,832 937 148,593 428 Mow/Rpw Ii Ltd. TX 180,167 1,359 $1B-$10B 36,212 957 143,955 402 Amarillo National Bancorp TX 179,765 3,114 $1B-$10B 70,533 2,773 109,232 341 Sterling Bancshares Inc. TX 172,074 1,058 $1B-$10B 26,693 653 145,381 405 Whitney Holding Corporation LA 170,918 702 $10B-$50B 17,413 322 153,505 380 Central Community Corporation TX 154,082 1,270 $1B-$10B 29,288 904 124,794 366 Southside Bancshares Incorp. TX 146,407 1,199 $1B-$10B 32,146 884 114,261 315 LegacyTexas Group Inc. TX 139,814 735 $1B-$10B 21,835 434 117,979 301 West Financial Inc. TX 139,101 767 <$1B 21,394 460 117,707 307 Broadway Bancshares Inc. TX 135,604 989 $1B-$10B 25,341 671 110,263 318 WoodForest Financial Group TX 133,753 867 $1B-$10B 21,286 519 112,467 348 Advanta Bank Corp UT 126,363 18,790 $1B-$10B 126,363 18,790 - - Trustmark Corporation MS 114,744 597 $1B-$10B 15,899 329 98,845 268 First Banks Inc. MO 105,636 581 $10B-$50B 14,534 304 91,102 277 BancorpSouth Inc. MS 104,546 1,030 $10B-$50B 26,436 764 78,110 266 Discover Bank DE 96,046 11,667 $10B-$50B 96,046 11,667 - - Plains Bancorp Inc. TX 92,084 1,182 <$1B 29,156 969 62,928 213 Moody Bancshares Inc. TX 91,937 560 <$1B 12,271 307 79,666 253 American Bank Holding Corp. TX 88,390 743 <$1B 21,092 540 67,298 203 Security Holding Company TX 82,342 1,169 <$1B 26,938 988 55,404 181 Jefferson Bancshares Inc. TX 81,977 712 <$1B 19,261 528 62,716 184 InWood Bancshares Inc. TX 79,661 436 $1B-$10B 11,799 257 67,862 179 First National Bank Group TX 78,169 578 $1B-$10B 13,562 380 64,607 198 Metrocorp Bancshares Inc. TX 76,798 289 $1B-$10B 6,319 99 70,479 190 Colonial BancGroup Inc. AL 73,637 379 $10B-$50B 10,362 204 63,275 175 Durant Bancorp Inc. OK 65,761 410 $1B-$10B 9,219 263 56,542 147 First Texas BHC Inc. TX 65,346 357 <$1B 8,428 206 56,918 151 Southwest Bancorp Inc. OK 65,259 257 $1B-$10B 6,763 102 58,496 155 U.S. Bancorp MN 65,148 4,505 >$50B 53,288 4,466 11,860 39 Inter National Bank TX 58,945 407 $1B-$10B 9,420 257 49,525 150 First-West Texas Bancshares TX 53,210 353 <$1B 9,568 232 43,642 121 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Utah - - Zions Bancorporation UT 748,907 9,627 >$50B 258,399 8,273 490,508 1,354 Wells Fargo & Company CA 719,427 19,836 >$50B 459,071 19,019 260,356 817 American Express Bank FSB UT 330,396 33,171 $10B-$50B 305,571 33,038 24,825 133 JPMorgan Chase & Co. NY 226,177 15,671 >$50B 165,980 15,510 60,197 161 U.S. Bancorp MN 95,134 2,497 >$50B 28,729 2,320 66,405 177 Southern Utah Bancorporation UT 67,623 651 <$1B 16,648 479 50,975 172 AmericanWest Bancorporation WA 56,864 449 $1B-$10B 13,008 321 43,856 128 Keycorp OH 55,681 303 >$50B 7,513 193 48,168 110 Virginia - - BB&T Corporation NC 1,303,395 6,859 >$50B 182,976 3,823 1,120,419 3,036 Wells Fargo & Company CA 1,175,878 11,516 >$50B 272,858 9,134 903,020 2,382 Suntrust Banks Inc. GA 799,366 6,032 >$50B 110,531 4,255 688,835 1,777 American Express Bank FSB UT 559,943 66,614 $10B-$50B 509,643 66,381 50,300 233 Bank of America Corporation NC 393,329 19,862 >$50B 148,222 19,201 245,107 661 JPMorgan Chase & Co. NY 322,171 36,552 >$50B 313,967 36,530 8,204 22 PNC Financial Services Group PA 221,683 2,133 >$50B 55,229 1,660 166,454 473 Stellarone Corporation VA 207,418 1,528 $1B-$10B 39,338 1,021 168,080 507 TowneBank VA 187,791 1,418 $1B-$10B 29,658 974 158,133 444 First Citizens Bancshares NC 174,964 1,553 $10B-$50B 36,651 1,145 138,313 408 United BankShares Inc. WV 173,465 865 $1B-$10B 20,701 470 152,764 395 Virginia Commerce Bancorp VA 143,836 539 $1B-$10B 12,560 216 131,276 323 GE Capital Financial Inc. UT 130,346 15,183 $1B-$10B 96,225 15,052 34,121 131 Citigroup Inc. NY 129,807 21,056 >$50B 118,863 21,016 10,944 40 Union Bankshares Corporation VA 120,763 768 $1B-$10B 16,969 491 103,794 277 Burke & Herbert Bank And Trust VA 108,550 589 $1B-$10B 13,453 329 95,097 260 Capital One Financial Corp. VA 92,469 18,964 >$50B 92,469 18,964 - - Eastern Virginia BankShares VA 85,537 818 $1B-$10B 20,977 616 64,560 202 CIT Group Inc. NY 82,234 3,702 . 70,135 3,677 12,099 25 Old Point Financial Corporation VA 71,847 452 <$1B 12,112 281 59,735 171 New Peoples BankShares Inc. VA 66,932 832 <$1B 20,424 661 46,508 171 Provident BankShares Corporation MD 58,189 193 $1B-$10B 3,489 65 54,700 128 Fulton Financial Corporation PA 55,583 215 $10B-$50B 4,703 90 50,880 125 Chevy Chase Bank F.S.B. MD 52,485 363 $10B-$50B 8,588 263 43,897 100 Vermont - - Chittenden Trust Company VT 224,401 1,498 $1B-$10B 39,805 935 184,596 563 TD Bank N.A ME 162,325 1,129 >$50B 31,234 785 131,091 344 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) Merchants Bank VT 70,327 625 $1B-$10B 13,868 434 56,459 191 Washington - - Wells Fargo & Company CA 915,905 24,133 >$50B 601,944 23,075 313,961 1,058 American Express Bank FSB UT 776,837 81,817 $10B-$50B 758,776 81,734 18,061 83 U.S. Bancorp MN 656,533 15,442 >$50B 168,760 14,336 487,773 1,106 Bank of America Corporation NC 540,533 24,759 >$50B 204,577 23,899 335,956 860 JPMorgan Chase & Co. NY 499,137 39,318 >$50B 409,294 39,141 89,843 177 W.T.B. Financial Corporation WA 403,015 1,866 $1B-$10B 41,239 945 361,776 921 Frontier Financial Corporation WA 331,212 1,711 $1B-$10B 43,067 904 288,145 807 Sterling Financial Corporation WA 273,410 1,353 $10B-$50B 29,272 732 244,138 621 Columbia Banking System Inc WA 267,956 1,422 $1B-$10B 34,433 821 233,523 601 Keycorp OH 237,006 1,101 >$50B 25,152 623 211,854 478 Banner Corporation WA 166,250 1,256 $1B-$10B 28,526 855 137,724 401 AmericanWest Bancorporation WA 127,362 815 $1B-$10B 24,005 517 103,357 298 Olympic Bancorp Inc. WA 115,059 595 <$1B 14,662 314 100,397 281 Citigroup Inc. NY 112,963 20,070 >$50B 112,151 20,066 812 4 Zions Bancorporation UT 106,694 496 >$50B 11,845 273 94,849 223 GE Capital Financial Inc. UT 103,346 6,396 $1B-$10B 59,410 6,219 43,936 177 Washington Banking Company WA 101,335 827 <$1B 22,581 589 78,754 238 Capital One Financial Corporation VA 100,828 20,869 >$50B 99,828 20,868 1,000 1 Peoples Bancorp WA 95,324 446 <$1B 10,414 224 84,910 222 Horizon Financial Corp. WA 88,329 309 $1B-$10B 7,237 123 81,092 186 Cascade Financial Corporation WA 80,861 327 $1B-$10B 7,797 135 73,064 192 CIT Group Inc. NY 67,110 2,492 . 55,284 2,473 11,826 19 City Bank WA 60,460 243 $1B-$10B 4,397 111 56,063 132 Homestreet Bank WA 57,574 192 $1B-$10B 3,856 67 53,718 125 Cashmere Valley Financial Co WA 53,496 410 <$1B 10,433 272 43,063 138 Wisconsin - - Marshall & Ilsley Corporation WI 1,922,701 9,031 >$50B 190,616 4,492 1,732,085 4,539 Associated Banc-Corp WI 680,198 3,945 $10B-$50B 78,520 2,356 601,678 1,589 Johnson Financial Group Inc WI 519,150 2,072 $1B-$10B 43,204 838 475,946 1,234 U.S. Bancorp MN 451,656 13,881 >$50B 152,118 13,048 299,538 833 JPMorgan Chase & Co. NY 413,706 33,078 >$50B 261,574 32,722 152,132 356 Wells Fargo & Company CA 346,313 8,432 >$50B 207,762 7,969 138,551 463 River Valley Bancorporation WI 225,367 1,580 <$1B 38,073 992 187,294 588 Baylake Corp. WI 162,242 819 $1B-$10B 17,798 393 144,444 426 First Banking Center Inc. WI 157,003 984 <$1B 20,485 551 136,518 433 Table 4A. Top Small Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Small Business Lending (<$1M) Micro Business Lending (<$100k) ($100K-<$1M HQ Institution LSBL$ (2) Name of Lending Institution Location LSBL$ (1,000) LSBL# Asset Size SSBL$ (1,000) SSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7) American Express Bank FSB UT 150,930 18,162 $10B-$50B 139,386 18,115 11,544 47 Harris N.A. IL 141,621 1,070 $10B-$50B 27,936 730 113,685 340 NEB Corporation WI 133,715 1,159 $1B-$10B 29,616 824 104,099 335 Oconomowoc Bancshares Inc. WI 122,595 644 <$1B 14,563 326 108,032 318 Bankmanagers Corp. WI 107,163 380 <$1B 6,885 133 100,278 247 Waupaca Bancorporation Inc. WI 106,235 1,268 <$1B 26,283 1,007 79,952 261 Amcore Financial Inc. IL 101,982 519 $1B-$10B 12,573 294 89,409 225 GE Capital Financial Inc. UT 101,550 7,682 $1B-$10B 79,564 7,581 21,986 101 Citizens Republic Bancorp MI 97,694 730 $10B-$50B 18,848 478 78,846 252 Community Banc-Corp of Shebo WI 96,892 511 <$1B 12,387 273 84,505 238 WinTrust Financial Corporation IL 90,996 406 $1B-$10B 10,269 206 80,727 200 Anchorbank FSB WI 82,193 469 $1B-$10B 11,165 265 71,028 204 County Bancorp Inc. WI 80,768 377 <$1B 8,100 163 72,668 214 Capital One Financial Corporation VA 76,868 16,100 >$50B 76,748 16,099 120 1 Citigroup Inc. NY 72,870 12,890 >$50B 72,870 12,890 - - Bank of America Corporation NC 54,110 6,856 >$50B 35,910 6,818 18,200 38 Otto Bremer Foundation MN 53,475 428 $1B-$10B 11,610 289 41,865 139 West Virginia - - BB&T Corporation NC 281,404 1,924 >$50B 52,134 1,282 229,270 642 United BankShares Inc. WV 199,762 1,580 $1B-$10B 44,910 1,113 154,852 467 JPMorgan Chase & Co. NY 97,784 7,424 >$50B 57,387 7,316 40,397 108 Huntington Bancshares Incorp. OH 77,556 846 >$50B 23,231 695 54,325 151 Wesbanco Inc. WV 57,352 617 $1B-$10B 14,261 466 43,091 151 City Holding Company WV 55,792 371 $1B-$10B 10,566 241 45,226 130 First Community Bancshares VA 54,550 664 $1B-$10B 17,176 520 37,374 144 Wyoming - - First Interstate Bancsystem MT 134,102 1,742 $1B-$10B 40,886 1,426 93,216 316 Wells Fargo & Company CA 117,725 2,679 >$50B 64,404 2,522 53,321 157 Note: Small busnesses seeking loans should also consider banks that participate in SBA loan programs. To locate an SBA lender near you, call 1-800-U-ASK-SBA (1-800-827-5722) or TTY: (704) 344-6640 or visit SBA's website at: http://www.sba.gov/localresources/index.html Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivenstment Act reports. 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Wells Fargo & Company CA 165,609 6,039 >$50B 313,991 6,495 148,382 456 American Express Bank FSB UT 40,759 5,782 $10B-$50B 42,955 5,797 2,196 15 Bank of America Corporation NC 33,996 5,904 >$50B 38,388 5,915 4,392 11 First National Bank Alaska AK 30,174 732 $1B-$10B 206,402 1,303 176,228 571 JPMorgan Chase & Co. NY 19,217 2,402 >$50B 20,327 2,406 1,110 4 Northrim Bancorp Inc. AK 18,127 353 $1B-$10B 117,529 636 99,402 283 GE Capital Financial Inc. UT 11,764 1,252 $1B-$10B 15,746 1,274 3,982 22 Alabama Regions Financial Corporation AL 321,842 7,387 >$50B 1,149,898 9,720 828,056 2,333 American Express Bank FSB UT 202,697 27,579 $10B-$50B 218,435 27,651 15,738 72 Wells Fargo & Company CA 162,411 4,494 >$50B 851,447 6,476 689,036 1,982 Synovus Financial Corp. GA 114,322 2,832 $10B-$50B 715,535 4,598 601,213 1,766 JPMorgan Chase & Co. NY 103,364 15,078 >$50B 106,389 15,084 3,025 6 GE Capital Financial Inc. UT 76,492 11,459 $1B-$10B 112,807 11,631 36,315 172 Compass Bank AL 61,256 1,770 >$50B 128,122 2,018 66,866 248 Citigroup Inc. NY 50,941 9,780 >$50B 51,151 9,781 210 1 Capital One Financial Corporation VA 37,526 8,686 >$50B 37,854 8,688 328 2 CIT Group Inc. NY 36,418 1,760 . 45,110 1,776 8,692 16 Bank of America Corporation NC 36,032 7,509 >$50B 52,974 7,549 16,942 40 The Colonial Bancgroup Inc. AL 29,766 698 $10B-$50B 134,820 1,025 105,054 327 Bancindependent Incorporated AL 25,916 790 <$1B 93,561 1,041 67,645 251 Advanta Bank Corp UT 19,968 2,932 $1B-$10B 19,968 2,932 - - West Alabama Capital Corp. AL 19,847 661 <$1B 77,626 856 57,779 195 Superior Bank AL 19,377 463 $1B-$10B 51,594 594 32,217 131 RBC Bank NC 18,989 463 $10B-$50B 104,687 728 85,698 265 Discover Bank DE 18,782 2,305 $10B-$50B 18,782 2,305 - - Whitney Holding Corporation LA 17,623 364 $10B-$50B 136,640 710 119,017 346 Aliant Financial Corporation AL 12,335 334 <$1B 79,986 527 67,651 193 BancorpSouth Inc. MS 11,640 359 $10B-$50B 76,656 560 65,016 201 Renasant Corporation MS 10,368 237 $1B-$10B 67,187 419 56,819 182 Arkansas Arvest Bank Group Inc. AR 117,522 3,916 $1B-$10B 520,983 5,228 403,461 1,312 American Express Bank FSB UT 84,320 13,365 $10B-$50B 87,578 13,384 3,258 19 JPMorgan Chase & Co. NY 78,512 11,029 >$50B 84,619 11,046 6,107 17 Regions Financial Corporation AL 73,903 1,870 >$50B 387,693 2,845 313,790 975 Wells Fargo & Company CA 55,301 1,778 >$50B 79,948 1,882 24,647 104 First Security Bancorp AR 45,886 1,366 $1B-$10B 185,954 1,897 140,068 531 BancorpSouth Inc. MS 41,536 1,419 $10B-$50B 157,096 1,805 115,560 386 GE Capital Financial Inc. UT 41,009 6,574 $1B-$10B 56,916 6,653 15,907 79 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Bank of The Ozarks Inc AR 34,037 1,318 $1B-$10B 104,025 1,569 69,988 251 Citigroup Inc. NY 32,933 6,048 >$50B 32,933 6,048 - - Bank of America Corporation NC 30,944 4,630 >$50B 67,812 4,729 36,868 99 Capital One Financial Corporation VA 29,295 6,962 >$50B 31,421 6,969 2,126 7 U.S. Bancorp MN 27,058 2,197 >$50B 60,288 2,290 33,230 93 Simmons First National Corp. AR 24,655 901 $1B-$10B 95,346 1,125 70,691 224 Liberty Bancshares Inc AR 21,224 598 $1B-$10B 122,883 892 101,659 294 CIT Group Inc. NY 21,072 1,050 . 24,798 1,058 3,726 8 Summit Bancorp Inc. AR 14,570 445 <$1B 77,371 617 62,801 172 Advanta Bank Corp UT 13,931 2,125 $1B-$10B 13,931 2,125 - - Discover Bank DE 13,326 1,721 $10B-$50B 13,326 1,721 - - Arizona Wells Fargo & Company CA 1,093,146 44,474 >$50B 1,678,308 46,353 585,162 1,879 JPMorgan Chase & Co. NY 594,220 53,970 >$50B 743,427 54,420 149,207 450 American Express Bank FSB UT 522,168 65,471 $10B-$50B 563,399 65,652 41,231 181 Bank of America Corporation NC 156,199 17,545 >$50B 427,366 18,300 271,167 755 Citigroup Inc. NY 102,959 19,616 >$50B 103,778 19,621 819 5 Capital One Financial Corporation VA 77,833 16,504 >$50B 77,833 16,504 - - Zions Bancorporation UT 77,696 2,981 >$50B 382,736 3,775 305,040 794 GE Capital Financial Inc. UT 61,644 7,144 $1B-$10B 125,482 7,297 63,838 153 CIT Group Inc. NY 46,964 2,159 . 68,811 2,200 21,847 41 Compass Bank AL 43,549 1,208 >$50B 64,173 1,270 20,624 62 U.S. Bancorp MN 40,145 3,994 >$50B 70,685 4,077 30,540 83 Marshall & Ilsley Corporation WI 38,714 967 >$50B 364,838 1,790 326,124 823 Advanta Bank Corp UT 36,057 5,200 $1B-$10B 36,057 5,200 - - Discover Bank DE 19,842 2,509 $10B-$50B 19,842 2,509 - - Cobiz Financial Inc. CO 11,735 195 $1B-$10B 148,023 518 136,288 323 California Wells Fargo & Company CA 7,639,898 291,436 >$50B 10,965,763 303,561 3,325,865 12,125 American Express Bank FSB UT 4,239,293 520,167 $10B-$50B 4,588,545 521,792 349,252 1,625 JPMorgan Chase & Co. NY 3,263,706 294,805 >$50B 3,798,481 295,708 534,775 903 Citigroup Inc. NY 1,237,922 186,502 >$50B 1,631,160 187,963 393,238 1,461 Bank of America Corporation NC 1,088,387 129,182 >$50B 2,589,490 132,848 1,501,103 3,666 Union Bank N.A CA 709,459 18,640 >$50B 1,536,362 21,416 826,903 2,776 Capital One Financial Corporation VA 496,419 98,087 >$50B 497,929 98,090 1,510 3 U.S. Bancorp MN 334,824 28,590 >$50B 934,763 29,881 599,939 1,291 CIT Group Inc. NY 319,662 15,202 . 351,538 15,283 31,876 81 GE Capital Financial Inc. UT 310,283 31,464 $1B-$10B 540,328 32,190 230,045 726 Advanta Bank Corp UT 297,132 42,786 $1B-$10B 297,132 42,786 - - 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Bank of The West CA 143,085 4,061 >$50B 828,009 5,523 684,924 1,462 Zions Bancorporation UT 141,156 4,387 >$50B 934,722 6,165 793,566 1,778 Discover Bank DE 133,851 16,858 $10B-$50B 133,851 16,858 - - Lauritzen Corporation NE 59,791 8,206 $10B-$50B 66,622 8,231 6,831 25 City National Corporation CA 55,504 1,020 $10B-$50B 658,497 2,433 602,993 1,413 Rabobank N.A. CA 54,963 824 $1B-$10B 369,278 1,591 314,315 767 HSBC Bank USA NA NY 50,011 1,407 >$50B 87,827 1,520 37,816 113 CVB Financial Corp. CA 40,045 743 $1B-$10B 341,051 1,483 301,006 740 Mechanics Bank CA 30,610 769 $1B-$10B 152,931 1,050 122,321 281 WestAmerica Bancorporation CA 29,577 450 $1B-$10B 289,028 1,199 259,451 749 Umpqua Holdings Corporation OR 28,203 520 $1B-$10B 241,250 1,077 213,047 557 Pacific Capital Bancorp CA 28,181 534 $1B-$10B 325,936 1,226 297,755 692 Trico Bancshares CA 26,318 648 $1B-$10B 131,439 944 105,121 296 Eggemeyer Advisory Corp. CA 24,235 378 $1B-$10B 352,063 1,145 327,828 767 First Banks Inc. MO 22,784 503 $10B-$50B 219,147 999 196,363 496 Community Bank CA 20,921 436 $1B-$10B 250,330 960 229,409 524 Hanmi Financial Corporation CA 20,388 388 $1B-$10B 216,885 910 196,497 522 M&I Bank FSB NV 20,028 859 $1B-$10B 20,028 859 - - Wilshire Bancorp Inc. CA 19,928 298 $1B-$10B 229,343 815 209,415 517 Comerica Incorporated TX 19,655 303 >$50B 596,451 1,540 576,796 1,237 Sierra Bancorp CA 19,038 429 $1B-$10B 116,708 730 97,670 301 Popular Inc. PR 18,239 529 $10B-$50B 84,402 676 66,163 147 Exchange Bank CA 16,779 320 $1B-$10B 105,144 581 88,365 261 First Northern Community Bank CA 15,993 291 <$1B 128,618 574 112,625 283 1867 Western Financial Corp. CA 15,887 292 $1B-$10B 176,833 678 160,946 386 FBOP Corporation IL 13,771 262 $10B-$50B 203,400 713 189,629 451 Ironstone Bank NC 12,301 282 $1B-$10B 72,015 422 59,714 140 UCBH Holdings Inc. CA 11,589 179 $10B-$50B 333,020 779 321,431 600 Central Valley Community Bank CA 11,337 248 <$1B 95,993 464 84,656 216 American River Bankshares CA 11,246 201 <$1B 84,410 389 73,164 188 Cathay General Bancorp CA 11,141 212 $10B-$50B 236,592 651 225,451 439 State Farm Bank IL 10,849 631 $10B-$50B 19,184 652 8,335 21 Center Financial Corporation CA 10,810 183 $1B-$10B 143,154 513 132,344 330 Palomar Enterprises Llc CA 10,623 182 $1B-$10B 143,747 478 133,124 296 Heritage Commerce Corp CA 10,430 143 $1B-$10B 168,467 540 158,037 397 Colorado Wells Fargo & Company CA 1,054,301 42,201 >$50B 1,766,759 44,354 712,458 2,153 JPMorgan Chase & Co. NY 555,763 52,869 >$50B 650,333 53,129 94,570 260 American Express Bank FSB UT 352,768 46,236 $10B-$50B 380,798 46,372 28,030 136 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

U.S. Bancorp MN 149,935 13,742 >$50B 401,110 14,417 251,175 675 Capital One Financial Corporation VA 112,562 21,234 >$50B 112,562 21,234 - - Citigroup Inc. NY 105,049 19,044 >$50B 107,439 19,054 2,390 10 GE Capital Financial Inc. UT 77,383 8,418 $1B-$10B 124,873 8,530 47,490 112 Cit Group Inc. NY 56,721 2,721 . 66,506 2,746 9,785 25 Advanta Bank Corp UT 49,466 7,123 $1B-$10B 49,466 7,123 - - Zions Bancorporation UT 47,090 1,945 >$50B 246,273 2,473 199,183 528 Bank of America Corporation NC 44,855 7,696 >$50B 99,835 7,838 54,980 142 Compass Bank AL 40,609 1,165 >$50B 49,061 1,195 8,452 30 Lauritzen Corporation NE 34,944 2,190 $10B-$50B 238,010 2,720 203,066 530 Bank of The West CA 31,601 1,011 >$50B 165,496 1,362 133,895 351 Cobiz Financial Inc. CO 27,741 526 $1B-$10B 282,143 1,148 254,402 622 Pinnacle Bancorp Inc. NE 27,087 805 $1B-$10B 147,848 1,161 120,761 356 RUH Capital Llc CA 23,366 474 . 163,766 882 140,400 408 Alpine Banks of Colorado CO 20,894 672 $1B-$10B 110,539 918 89,645 246 Community Bankshares Inc. CO 19,157 439 $1B-$10B 144,728 787 125,571 348 First State Bancorporation NM 17,943 434 $1B-$10B 132,997 760 115,054 326 UMB Financial Corporation MO 15,699 457 $1B-$10B 118,956 709 103,257 252 Discover Bank DE 15,612 1,897 $10B-$50B 15,612 1,897 - - Sturm Financial Group Inc. CO 15,153 308 $1B-$10B 114,287 572 99,134 264 Keycorp OH 14,108 358 >$50B 104,662 576 90,554 218 New Frontier Bancorp CO 12,139 325 $1B-$10B 67,164 470 55,025 145 Connecticut American Express Bank FSB UT 343,105 46,414 $10B-$50B 376,029 46,566 32,924 152 JPMorgan Chase & Co. NY 228,969 23,895 >$50B 275,149 24,015 46,180 120 Wells Fargo & Company CA 141,093 4,374 >$50B 360,197 5,074 219,104 700 Bank of America Corporation NC 114,330 12,177 >$50B 391,478 12,902 277,148 725 Citigroup Inc. NY 103,985 17,211 >$50B 119,833 17,261 15,848 50 Webster Financial Corporation CT 69,781 1,396 $10B-$50B 256,950 1,919 187,169 523 Capital One Financial Corporation VA 63,427 11,958 >$50B 65,077 11,962 1,650 4 TD Bank N.A ME 61,386 1,184 >$50B 231,749 1,629 170,363 445 GE Capital Financial Inc. UT 39,224 4,662 $1B-$10B 82,919 4,792 43,695 130 CIT Group Inc. NY 34,695 1,721 . 42,638 1,736 7,943 15 Advanta Bank Corp UT 27,329 3,857 $1B-$10B 27,329 3,857 - - Newalliance Bancshares Inc. CT 22,132 539 $1B-$10B 150,661 877 128,529 338 Discover Bank DE 18,752 2,229 $10B-$50B 18,752 2,229 - - RBS Citizens N.A. RI 14,780 606 >$50B 80,397 776 65,617 170 Fairfield County Bank Corp CT 10,934 222 $1B-$10B 72,038 383 61,104 161 District of Columbia 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

American Express Bank FSB UT 75,547 9,520 $10B-$50B 94,845 9,600 19,298 80 JPMorgan Chase & Co. NY 31,302 3,022 >$50B 34,796 3,028 3,494 6 PNC Financial Services Group PA 23,318 673 >$50B 53,563 765 30,245 92 Wells Fargo & Company CA 21,412 673 >$50B 88,141 847 66,729 174 Bank of America Corporation NC 15,502 1,723 >$50B 57,711 1,837 42,209 114 Citigroup Inc. NY 15,133 2,408 >$50B 19,824 2,427 4,691 19 CIT Group Inc. NY 12,316 485 . 12,574 487 258 2 Delaware PNC Financial Services Group PA 71,202 1,904 >$50B 191,529 2,236 120,327 332 American Express Bank FSB UT 46,442 6,830 $10B-$50B 51,636 6,855 5,194 25 JPMorgan Chase & Co. NY 34,074 4,242 >$50B 36,014 4,245 1,940 3 Wells Fargo & Company CA 27,085 813 >$50B 88,757 999 61,672 186 Wilmington Trust Corporation DE 18,311 529 $10B-$50B 143,362 865 125,051 336 Citigroup Inc. NY 14,499 2,794 >$50B 15,804 2,801 1,305 7 GE Capital Financial Inc. UT 13,227 1,782 $1B-$10B 23,687 1,826 10,460 44 Bank of America Corporation NC 11,132 1,888 >$50B 19,206 1,904 8,074 16 Capital One Financial Corporation VA 10,520 2,185 >$50B 10,520 2,185 - - RBS Citizens N.A. RI 10,060 280 >$50B 28,531 337 18,471 57 Florida American Express Bank FSB UT 1,889,032 253,318 $10B-$50B 2,105,508 254,323 216,476 1,005 JPMorgan Chase & Co. NY 1,086,926 117,818 >$50B 1,143,735 117,982 56,809 164 Wells Fargo & Company CA 819,654 27,795 >$50B 3,145,438 33,984 2,325,784 6,189 Regions Financial Corporation AL 679,381 15,204 >$50B 1,620,898 17,874 941,517 2,670 Bank of America Corporation NC 673,272 80,295 >$50B 1,691,367 83,121 1,018,095 2,826 Citigroup Inc. NY 448,236 82,249 >$50B 516,721 82,473 68,485 224 Capital One Financial Corporation VA 257,991 56,846 >$50B 262,746 56,858 4,755 12 SunTrust Banks Inc. GA 247,963 10,987 >$50B 1,156,517 13,398 908,554 2,411 GE Capital Financial Inc. UT 236,028 33,466 $1B-$10B 340,994 33,870 104,966 404 CIT Group Inc. NY 202,997 10,085 . 268,082 10,233 65,085 148 Advanta Bank Corp UT 162,709 22,931 $1B-$10B 162,709 22,931 - - Discover Bank DE 98,347 12,536 $10B-$50B 98,347 12,536 - - Fifth Third Bancorp OH 61,513 3,181 >$50B 258,388 3,646 196,875 465 Synovus Financial Corp. GA 54,572 1,138 $10B-$50B 410,630 2,184 356,058 1,046 Compass Bank AL 39,405 1,151 >$50B 82,200 1,265 42,795 114 HSBC Bank USA NA NY 38,978 810 >$50B 79,671 957 40,693 147 The Colonial BancGroup Inc. AL 38,109 697 $10B-$50B 202,943 1,169 164,834 472 South Financial Group Inc. SC 35,046 1,119 $10B-$50B 206,670 1,599 171,624 480 U.S. Bancorp MN 34,530 2,928 >$50B 46,260 2,960 11,730 32 TotalBank FL 33,030 2,303 $1B-$10B 137,278 2,630 104,248 327 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

BB&T Corporation NC 29,286 553 >$50B 301,761 1,263 272,475 710 Tampa Banking Company The FL 28,223 639 <$1B 188,189 1,065 159,966 426 Popular Inc. PR 26,656 649 $10B-$50B 90,410 810 63,754 161 Marshall & Ilsley Corporation WI 26,022 589 >$50B 281,335 1,216 255,313 627 Bank of New York Mellon Corp NY 21,378 331 >$50B 165,720 694 144,342 363 BankAtlantic FL 20,587 378 $1B-$10B 52,701 484 32,114 106 Riverside Banking Company FL 19,408 558 $1B-$10B 96,860 781 77,452 223 Capital City Bank Group Inc FL 18,215 626 $1B-$10B 59,143 767 40,928 141 Whitney Holding Corporation LA 16,980 403 $10B-$50B 149,943 762 132,963 359 Lauritzen Corporation NE 16,214 1,953 $10B-$50B 16,621 1,956 407 3 RBC Bank NC 12,798 402 $10B-$50B 79,522 575 66,724 173 M&I Bank FSB NV 12,795 563 $1B-$10B 12,795 563 - - Peoples First Community Bank FL 12,418 281 $1B-$10B 67,282 461 54,864 180 Northern Trust Corporation IL 12,083 179 >$50B 139,400 502 127,317 323 TIB Financial Corp. FL 11,904 228 $1B-$10B 85,854 435 73,950 207 PNC Financial Services Group PA 10,324 287 >$50B 83,827 493 73,503 206 Georgia American Express Bank FSB UT 723,642 94,135 $10B-$50B 804,799 94,504 81,157 369 JPMorgan Chase & Co. NY 345,434 39,840 >$50B 352,422 39,862 6,988 22 Wells Fargo & Company CA 345,040 11,603 >$50B 1,401,375 14,449 1,056,335 2,846 Synovus Financial Corp. GA 235,403 6,558 $10B-$50B 1,518,942 10,249 1,283,539 3,691 Bank of America Corporation NC 193,546 26,744 >$50B 476,603 27,543 283,057 799 SunTrust Banks Inc. GA 157,489 5,598 >$50B 1,087,221 8,059 929,732 2,461 Citigroup Inc. NY 148,308 31,528 >$50B 150,661 31,536 2,353 8 GE Capital Financial Inc. UT 131,288 18,272 $1B-$10B 233,715 18,727 102,427 455 Capital One Financial Corporation VA 104,965 22,208 >$50B 104,965 22,208 - - BB&T Corporation NC 99,940 2,148 >$50B 882,445 4,256 782,505 2,108 Regions Financial Corporation AL 98,617 2,381 >$50B 606,373 3,808 507,756 1,427 United Community Banks Inc. GA 86,379 3,038 $1B-$10B 542,777 4,349 456,398 1,311 CIT Group Inc. NY 79,662 4,164 . 97,302 4,214 17,640 50 Advanta Bank Corp UT 59,287 8,586 $1B-$10B 59,287 8,586 - - Discover Bank DE 38,558 4,874 $10B-$50B 38,558 4,874 - - QueensBorough Company The GA 32,394 1,171 <$1B 97,176 1,409 64,782 238 Ameris Bancorp GA 30,993 1,029 $1B-$10B 117,769 1,312 86,776 283 Security Bank Corporation GA 30,199 831 $1B-$10B 148,260 1,220 118,061 389 Southeastern Bank Financial GA 16,807 498 $1B-$10B 122,844 824 106,037 326 PAB Bankshares Inc. GA 15,800 449 $1B-$10B 90,940 657 75,140 208 WGNB Corp. GA 14,569 443 <$1B 73,295 638 58,726 195 U.S. Bancorp MN 13,543 1,144 >$50B 17,298 1,152 3,755 8 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Fidelity Southern Corporation GA 11,469 344 $1B-$10B 79,868 511 68,399 167 Ironstone Bank NC 10,632 340 $1B-$10B 59,287 474 48,655 134 First Citizens Bancorporation SC 10,047 293 $1B-$10B 42,085 413 32,038 120 Guam Bank of The West CA 12,154 494 >$50B 54,219 604 42,065 110 Hawaii American Express Bank FSB UT 180,009 21,415 $10B-$50B 185,544 21,443 5,535 28 Bank of The West CA 109,601 3,647 >$50B 416,988 4,464 307,387 817 JPMorgan Chase & Co. NY 107,798 11,675 >$50B 108,978 11,677 1,180 2 Wells Fargo & Company CA 50,772 1,615 >$50B 60,150 1,678 9,378 63 Central Pacific Financial Co HI 31,982 577 $1B-$10B 114,219 772 82,237 195 Citigroup Inc. NY 29,256 4,661 >$50B 29,817 4,664 561 3 Capital One Financial Corporation VA 22,669 4,706 >$50B 22,669 4,706 - - American Savings Bank HI 20,086 456 $1B-$10B 100,822 680 80,736 224 Bank of Hawaii Corporation HI 19,989 630 $1B-$10B 112,412 832 92,423 202 Bank of America Corporation NC 15,966 2,251 >$50B 19,491 2,260 3,525 9 GE Capital Financial Inc. UT 14,524 1,446 $1B-$10B 22,414 1,487 7,890 41 CIT Group Inc. NY 10,418 546 . 10,598 547 180 1 Iowa Wells Fargo & Company CA 227,138 8,784 >$50B 455,802 9,475 228,664 691 JPMorgan Chase & Co. NY 105,643 14,402 >$50B 107,983 14,410 2,340 8 U.S. Bancorp MN 89,957 5,480 >$50B 345,285 6,206 255,328 726 American Express Bank FSB UT 64,565 8,995 $10B-$50B 66,835 9,006 2,270 11 Hills Bancorporation IA 58,490 1,752 $1B-$10B 239,269 2,338 180,779 586 GE Capital Financial Inc. UT 42,216 4,963 $1B-$10B 45,936 4,978 3,720 15 Citigroup Inc. NY 41,247 6,939 >$50B 41,247 6,939 - - Capital One Financial Corporation VA 37,715 8,248 >$50B 37,715 8,248 - - West Bancorporation Inc. IA 30,838 731 $1B-$10B 192,070 1,173 161,232 442 CIT Group Inc. NY 25,186 1,149 . 25,411 1,150 225 1 Bank of America Corporation NC 24,538 4,208 >$50B 36,829 4,252 12,291 44 Discover Bank DE 24,201 2,933 $10B-$50B 24,201 2,933 - - Stark Bank Group LTD. IA 23,196 531 $1B-$10B 227,336 1,055 204,140 524 First Citizens Financial Corp. IA 19,181 795 <$1B 58,949 923 39,768 128 Advanta Bank Corp UT 19,088 2,567 $1B-$10B 19,088 2,567 - - Great Western Bank SD 16,240 610 $1B-$10B 57,267 743 41,027 133 Bank of The West CA 10,473 338 >$50B 42,830 420 32,357 82 Idaho Wells Fargo & Company CA 268,993 10,524 >$50B 453,689 11,107 184,696 583 American Express Bank FSB UT 159,351 17,907 $10B-$50B 161,396 17,922 2,045 15 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

JPMorgan Chase & Co. NY 80,017 9,060 >$50B 82,243 9,070 2,226 10 U.S. Bancorp MN 55,730 4,372 >$50B 234,010 4,841 178,280 469 Zions Bancorporation UT 48,551 1,511 >$50B 165,107 1,878 116,556 367 Capital One Financial Corporation VA 29,189 6,139 >$50B 29,339 6,140 150 1 The Bank of Commerce ID 27,738 822 <$1B 124,228 1,121 96,490 299 Citigroup Inc. NY 23,291 4,516 >$50B 23,441 4,517 150 1 Cascade Bancorp OR 20,585 624 $1B-$10B 103,395 889 82,810 265 GE Capital Financial Inc. UT 20,554 2,181 $1B-$10B 32,567 2,225 12,013 44 Farmers Bancorporation Inc. ID 19,151 588 <$1B 68,678 743 49,527 155 Bank of America Corporation NC 18,122 2,871 >$50B 48,156 2,941 30,034 70 W.T.B. Financial Corporation WA 14,329 339 $1B-$10B 133,655 663 119,326 324 Advanta Bank Corp UT 13,586 1,938 $1B-$10B 13,586 1,938 - - CIT Group Inc. NY 11,512 550 . 14,920 557 3,408 7 Illinois JPMorgan Chase & Co. NY 1,066,814 108,717 >$50B 1,430,056 109,647 363,242 930 American Express Bank FSB UT 710,022 91,953 $10B-$50B 771,687 92,205 61,665 252 Citigroup Inc. NY 302,010 45,771 >$50B 354,956 45,927 52,946 156 Wells Fargo & Company CA 254,068 8,786 >$50B 353,589 9,161 99,521 375 Bank of America Corporation NC 150,019 16,625 >$50B 632,693 17,810 482,674 1,185 Capital One Financial Corporation VA 147,645 31,904 >$50B 151,658 31,921 4,013 17 U.S. Bancorp MN 141,842 11,051 >$50B 311,515 11,554 169,673 503 GE Capital Financial Inc. UT 123,525 16,668 $1B-$10B 143,772 16,742 20,247 74 CIT Group Inc. NY 109,921 5,088 . 122,120 5,124 12,199 36 Harris N.A. IL 84,532 7,150 $10B-$50B 701,749 8,811 617,217 1,661 Fifth Third Bancorp OH 74,726 4,133 >$50B 404,037 4,934 329,311 801 Discover Bank DE 72,245 8,823 $10B-$50B 72,245 8,823 - - Advanta Bank Corp UT 71,328 10,798 $1B-$10B 71,328 10,798 - - Wintrust Financial Corporation IL 58,353 1,107 $1B-$10B 559,257 2,410 500,904 1,303 First Midwest Bancorp Inc. IL 52,856 1,265 $1B-$10B 470,675 2,424 417,819 1,159 American Chartered Bancorp IL 50,586 869 $1B-$10B 486,477 1,983 435,891 1,114 First Mid-Illinois Bancshare IL 34,461 1,102 $1B-$10B 144,536 1,422 110,075 320 PNC Financial Services Group PA 33,829 1,365 >$50B 121,636 1,615 87,807 250 Amcore Financial Inc. IL 33,779 733 $1B-$10B 284,045 1,384 250,266 651 First Busey Corporation IL 33,753 925 $1B-$10B 175,204 1,358 141,451 433 Regions Financial Corporation AL 29,786 717 >$50B 151,820 1,097 122,034 380 First Banks Inc. MO 29,368 745 $10B-$50B 206,197 1,242 176,829 497 MB Financial Inc IL 26,354 441 $1B-$10B 477,060 1,534 450,706 1,093 Old Second Bancorp nc. IL 24,831 554 $1B-$10B 280,083 1,225 255,252 671 Princeton National Bancorp IL 24,361 682 $1B-$10B 125,651 961 101,290 279 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Lauritzen Corporation NE 24,298 1,483 $10B-$50B 112,314 1,725 88,016 242 Midwest Banc Holdings Inc. IL 23,530 426 $1B-$10B 315,541 1,179 292,011 753 Commerce Bancshares Inc. MO 20,451 547 $10B-$50B 124,116 845 103,665 298 RBS Citizens N.A. RI 19,836 907 >$50B 81,736 1,039 61,900 132 Banc ED Corp. The IL 18,065 422 $1B-$10B 99,901 664 81,836 242 Heartland Bancorp Inc. IL 17,798 490 $1B-$10B 101,103 731 83,305 241 West Suburban Bancorp Inc. IL 17,725 357 $1B-$10B 134,367 662 116,642 305 Morton Community Bank IL 14,810 443 $1B-$10B 78,826 617 64,016 174 Associated Banc-Corp WI 13,774 338 $10B-$50B 208,966 782 195,192 444 Home State Bancorp Inc. IL 12,234 340 <$1B 80,959 535 68,725 195 PrivateBancorp Inc. IL 11,982 187 $1B-$10B 225,909 681 213,927 494 FBOP Corporation IL 11,694 206 $10B-$50B 133,059 536 121,365 330 Standard Bancshares Inc. IL 10,397 205 $1B-$10B 164,504 571 154,107 366 Indiana JPMorgan Chase & Co. NY 276,146 31,880 >$50B 442,610 32,280 166,464 400 American Express Bank FSB UT 181,522 25,089 $10B-$50B 197,236 25,156 15,714 67 Wells Fargo & Company CA 169,387 6,079 >$50B 288,985 6,464 119,598 385 Citigroup Inc. NY 78,476 13,712 >$50B 79,026 13,714 550 2 Old National Bancorp IN 75,869 1,903 $1B-$10B 347,898 2,753 272,029 850 GE Capital Financial Inc. UT 74,285 11,370 $1B-$10B 89,189 11,415 14,904 45 Mainsource Financial Group IN 72,682 4,605 $1B-$10B 128,828 4,807 56,146 202 Fifth Third Bancorp OH 58,026 2,406 >$50B 399,528 3,307 341,502 901 Capital One Financial Corporation VA 57,078 12,436 >$50B 57,762 12,437 684 1 CIT Group Inc. NY 50,642 2,290 . 61,956 2,316 11,314 26 PNC Financial Services Group PA 47,297 1,694 >$50B 182,800 2,064 135,503 370 Bank of America Corporation NC 41,456 7,224 >$50B 92,663 7,353 51,207 129 Huntington Bancshares Incorp. OH 39,981 1,090 >$50B 138,564 1,323 98,583 233 U.S. Bancorp MN 38,969 3,810 >$50B 60,661 3,863 21,692 53 Regions Financial Corporation AL 32,966 734 >$50B 223,831 1,276 190,865 542 Advanta Bank Corp UT 31,842 4,755 $1B-$10B 31,842 4,755 - - Star Financial Group Inc. IN 30,029 719 $1B-$10B 171,500 1,158 141,471 439 German American Bancorp Inc IN 28,470 691 $1B-$10B 138,383 1,044 109,913 353 1st Source Corporation IN 24,736 590 $1B-$10B 126,372 938 101,636 348 First Financial Corporation IN 22,711 676 $1B-$10B 104,007 902 81,296 226 Lakeland Financial Corporation IN 20,423 443 $1B-$10B 215,507 963 195,084 520 First Merchants Corporation IN 16,467 424 $1B-$10B 122,278 711 105,811 287 First Bancshares Inc. IN 15,937 344 $1B-$10B 119,056 626 103,119 282 Discover Bank DE 15,091 1,869 $10B-$50B 15,091 1,869 - - Harris N.A. IL 14,448 590 $10B-$50B 102,883 826 88,435 236 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Irwin Financial Corporation IN 13,415 247 $1B-$10B 129,163 568 115,748 321 First Financial Bancorp OH 12,934 301 $1B-$10B 92,121 514 79,187 213 Marshall & Ilsley Corporation WI 12,384 290 >$50B 113,406 556 101,022 266 Integra Bank Corporation IN 11,782 337 $1B-$10B 50,023 460 38,241 123 Kansas JPMorgan Chase & Co. NY 106,156 13,881 >$50B 107,032 13,884 876 3 American Express Bank FSB UT 105,160 14,243 $10B-$50B 115,510 14,299 10,350 56 Wells Fargo & Company CA 56,460 1,927 >$50B 66,934 1,983 10,474 56 Citigroup Inc. NY 45,238 7,950 >$50B 45,551 7,952 313 2 Bank of America Corporation NC 41,344 5,448 >$50B 107,676 5,632 66,332 184 GE Capital Financial Inc. UT 41,128 5,404 $1B-$10B 50,989 5,430 9,861 26 Capital One Financial Corporation VA 33,723 7,287 >$50B 33,723 7,287 - - Commerce Bancshares Inc. MO 33,703 1,037 $10B-$50B 188,537 1,472 154,834 435 Intrust Financial Corporation KS 32,571 1,440 $1B-$10B 238,720 1,978 206,149 538 CIT Group Inc. NY 26,061 1,212 . 27,152 1,217 1,091 5 U.S. Bancorp MN 25,086 2,360 >$50B 105,874 2,577 80,788 217 Corefirst Bank & Trust KS 23,808 947 120,802 1,255 96,994 308 Emprise Financial Corporation KS 22,758 1,026 $1B-$10B 135,508 1,326 112,750 300 UMB Financial Corporation MO 22,640 779 $1B-$10B 143,315 1,107 120,675 328 Discover Bank DE 21,551 2,632 $10B-$50B 21,551 2,632 - - Central of Kansas Inc. KS 20,031 647 <$1B 79,177 853 59,146 206 Advanta Bank Corp UT 18,637 2,668 $1B-$10B 18,637 2,668 - - Sunflower Financial Inc. KS 14,938 411 $1B-$10B 97,650 648 82,712 237 Manhattan Banking Corporation KS 14,157 531 <$1B 82,190 710 68,033 179 Lauritzen Corporation NE 12,582 777 $10B-$50B 53,622 880 41,040 103 Bank of The West CA 11,684 336 >$50B 39,525 407 27,841 71 Marshall & Ilsley Corporation WI 10,755 241 >$50B 128,821 528 118,066 287 Kentucky JPMorgan Chase & Co. NY 133,350 16,999 >$50B 215,095 17,188 81,745 189 American Express Bank FSB UT 132,723 17,556 $10B-$50B 141,477 17,607 8,754 51 PNC Financial Services Group PA 94,019 2,817 >$50B 308,327 3,416 214,308 599 GE Capital Financial Inc. UT 64,327 10,764 $1B-$10B 84,684 10,854 20,357 90 U.S. Bancorp MN 63,217 4,919 >$50B 203,342 5,317 140,125 398 Wells Fargo & Company CA 54,954 1,792 >$50B 66,136 1,848 11,182 56 BB&T Corporation NC 42,855 947 >$50B 283,101 1,609 240,246 662 Citigroup Inc. NY 41,958 7,789 >$50B 41,958 7,789 - - Fifth Third Bancorp OH 40,661 1,759 >$50B 300,217 2,420 259,556 661 Capital One Financial Corporation VA 31,618 7,348 >$50B 31,618 7,348 - - CIT Group Inc. NY 29,791 1,433 . 30,457 1,435 666 2 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Central Bancshares Inc. KY 27,582 704 $1B-$10B 196,974 1,192 169,392 488 Whitaker Bank Corporation KY 27,496 1,257 $1B-$10B 95,348 1,483 67,852 226 Community Trust Bancorp Inc KY 23,728 712 $1B-$10B 84,059 944 60,331 232 Bank of America Corporation NC 20,973 3,847 >$50B 28,704 3,866 7,731 19 Bank of Kentucky Financial KY 18,424 406 $1B-$10B 136,708 723 118,284 317 Advanta Bank Corp UT 18,190 2,720 $1B-$10B 18,190 2,720 - - Old National Bancorp IN 17,926 452 $1B-$10B 70,873 621 52,947 169 Huntington Bancshares Incorp. OH 14,634 435 >$50B 44,731 507 30,097 72 S. Y. Bancorp Inc. KY 14,354 319 $1B-$10B 119,475 630 105,121 311 Republic Bancorp Inc. KY 12,352 255 $1B-$10B 83,684 472 71,332 217 Regions Financial Corporation AL 10,967 255 >$50B 49,167 369 38,200 114 Louisiana Capital One Financial Corporation VA 280,024 23,472 >$50B 747,514 24,752 467,490 1,280 JPMorgan Chase & Co. NY 275,377 28,763 >$50B 467,527 29,256 192,150 493 American Express Bank FSB UT 181,146 29,883 $10B-$50B 194,598 29,951 13,452 68 Regions Financial Corporation AL 129,597 2,951 >$50B 540,040 4,121 410,443 1,170 Whitney Holding Corporation LA 101,049 2,256 $10B-$50B 760,455 4,098 659,406 1,842 GE Capital Financial Inc. UT 78,457 9,755 $1B-$10B 97,868 9,848 19,411 93 Wells Fargo & Company CA 64,914 2,143 >$50B 79,301 2,217 14,387 74 Citigroup Inc. NY 52,198 10,790 >$50B 52,451 10,791 253 1 CIT Group Inc. NY 45,128 2,073 . 47,317 2,079 2,189 6 MidSouth Bancorp Inc. LA 32,496 1,000 <$1B 135,214 1,315 102,718 315 IberiaBank Corporation LA 32,143 660 $1B-$10B 275,598 1,346 243,455 686 Bank of America Corporation NC 28,164 5,388 >$50B 35,790 5,409 7,626 21 Hancock Holding Company MS 24,921 637 $1B-$10B 147,303 995 122,382 358 Red River Bancshares Inc. LA 24,390 649 <$1B 119,964 954 95,574 305 BancorpSouth Inc. MS 20,663 573 $10B-$50B 131,559 911 110,896 338 Discover Bank DE 19,696 2,397 $10B-$50B 19,696 2,397 - - Advanta Bank Corp UT 18,497 2,793 $1B-$10B 18,497 2,793 - - Jeff Davis Bancshares Inc. LA 16,038 591 <$1B 61,762 725 45,724 134 Massachusetts American Express Bank FSB UT 560,725 77,397 $10B-$50B 612,833 77,625 52,108 228 JPMorgan Chase & Co. NY 326,774 38,016 >$50B 333,819 38,035 7,045 19 Bank of America Corporation NC 204,933 22,598 >$50B 674,362 23,725 469,429 1,127 Wells Fargo & Company CA 194,158 6,233 >$50B 236,891 6,467 42,733 234 Citigroup Inc. NY 180,779 29,190 >$50B 210,499 29,295 29,720 105 TD Bank N.A ME 142,363 2,979 >$50B 631,574 4,308 489,211 1,329 Capital One Financial Corporation VA 109,287 19,002 >$50B 110,037 19,004 750 2 Sovereign Bank PA 79,440 1,581 >$50B 248,021 2,034 168,581 453 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

RBS Citizens N.A. RI 79,192 3,690 >$50B 389,530 4,439 310,338 749 CIT Group Inc. NY 69,272 3,284 . 79,965 3,302 10,693 18 GE Capital Financial Inc. UT 68,148 6,968 $1B-$10B 85,187 7,041 17,039 73 Advanta Bank Corp UT 46,061 6,562 $1B-$10B 46,061 6,562 - - Eastern Bank Corporation MA 39,245 1,201 $1B-$10B 310,526 1,895 271,281 694 Discover Bank DE 32,973 3,929 $10B-$50B 32,973 3,929 - - Independent Bank Corp. MA 28,123 911 $1B-$10B 136,181 1,227 108,058 316 U.S. Bancorp MN 19,595 1,545 >$50B 19,871 1,546 276 1 Middlesex Savings Bank MA 16,638 377 $1B-$10B 150,751 707 134,113 330 Berkshire Bank MA 12,767 305 $1B-$10B 77,022 501 64,255 196 Century Bancorp Inc. MA 10,788 248 $1B-$10B 43,602 352 32,814 104 Salem Five Bancorp MA 10,640 187 $1B-$10B 114,050 447 103,410 260 Maryland American Express Bank FSB UT 403,196 54,766 $10B-$50B 443,723 54,949 40,527 183 JPMorgan Chase & Co. NY 303,916 34,014 >$50B 312,936 34,033 9,020 19 PNC Financial Services Group PA 204,237 5,694 >$50B 1,108,581 8,182 904,344 2,488 Wells Fargo & Company CA 188,667 5,679 >$50B 504,413 6,634 315,746 955 Bank of America Corporation NC 159,020 18,903 >$50B 434,672 19,661 275,652 758 Citigroup Inc. NY 102,959 19,324 >$50B 120,613 19,383 17,654 59 Capital One Financial Corporation VA 76,404 15,749 >$50B 76,915 15,750 511 1 GE Capital Financial Inc. UT 62,094 8,039 $1B-$10B 100,365 8,200 38,271 161 Cit Group Inc. NY 53,951 2,892 . 57,676 2,903 3,725 11 Manufacturers & Traders Trust NY 51,208 1,047 >$50B 348,227 1,839 297,019 792 SunTrust Banks Inc. GA 50,422 2,321 >$50B 259,781 2,824 209,359 503 BB&T Corporation NC 49,167 956 >$50B 427,106 1,955 377,939 999 Susquehanna Bancshares Inc. PA 38,409 961 $10B-$50B 195,521 1,409 157,112 448 Advanta Bank Corp UT 36,466 5,249 $1B-$10B 36,466 5,249 - - Discover Bank DE 27,880 3,372 $10B-$50B 27,880 3,372 - - Chevy Chase Bank F.S.B. MD 18,336 624 $10B-$50B 74,799 764 56,463 140 U.S. Bancorp MN 17,028 1,269 >$50B 19,181 1,283 2,153 14 Sandy Spring Bancorp Inc. MD 14,977 336 $1B-$10B 176,111 763 161,134 427 HSB Bancorp Inc. MD 13,549 280 <$1B 47,905 400 34,356 120 Fulton Financial Corporation PA 12,716 295 $10B-$50B 91,056 486 78,340 191 Maine TD Bank N.A ME 91,255 2,163 >$50B 365,203 2,983 273,948 820 JPMorgan Chase & Co. NY 53,412 7,105 >$50B 54,987 7,108 1,575 3 American Express Bank FSB UT 51,689 7,662 $10B-$50B 54,087 7,677 2,398 15 Camden National Corporation ME 49,906 1,285 $1B-$10B 189,586 1,752 139,680 467 Wells Fargo & Company CA 34,778 1,186 >$50B 42,515 1,233 7,737 47 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Bangor Bancorp MHC ME 30,830 982 $1B-$10B 131,820 1,248 100,990 266 GE Capital Financial Inc. UT 29,350 3,884 $1B-$10B 32,029 3,899 2,679 15 Citigroup Inc. NY 26,877 5,114 >$50B 27,277 5,115 400 1 Bank of America Corporation NC 26,474 3,745 >$50B 62,412 3,855 35,938 110 Capital One Financial Corporation VA 22,275 4,462 >$50B 23,075 4,463 800 1 First Bancorp Inc. The ME 18,186 552 $1B-$10B 106,020 826 87,834 274 Norway Bancorp MHC ME 13,672 320 <$1B 72,475 514 58,803 194 Kennebunk Savings Bank ME 11,806 255 <$1B 66,938 423 55,132 168 CIT Group Inc. NY 11,258 573 . 11,792 575 534 2 Keycorp OH 10,898 260 >$50B 60,756 400 49,858 140 Michigan JPMorgan Chase & Co. NY 483,409 55,996 >$50B 772,342 56,703 288,933 707 American Express Bank FSB UT 447,671 57,284 $10B-$50B 473,862 57,400 26,191 116 Wells Fargo & Company CA 222,791 7,558 >$50B 288,221 7,860 65,430 302 Fifth Third Bancorp OH 172,631 6,654 >$50B 1,343,514 9,778 1,170,883 3,124 Citigroup Inc. NY 153,718 28,989 >$50B 157,057 29,003 3,339 14 Bank of America Corporation NC 147,365 13,304 >$50B 784,949 14,966 637,584 1,662 U.S. Bancorp MN 144,217 13,624 >$50B 151,828 13,647 7,611 23 Huntington Bancshares Incorp. OH 143,088 3,670 >$50B 378,044 4,287 234,956 617 GE Capital Financial Inc. UT 108,544 17,299 $1B-$10B 142,339 17,397 33,795 98 Capital One Financial Corporation VA 102,044 20,424 >$50B 102,044 20,424 - - Citizens Republic Bancorp I MI 83,003 1,702 $10B-$50B 593,077 3,066 510,074 1,364 Comerica Incorporated TX 81,192 1,388 >$50B 1,444,648 4,735 1,363,456 3,347 CIT Group Inc. NY 74,517 3,703 . 93,786 3,750 19,269 47 Macatawa Bank Corporation MI 70,174 1,629 $1B-$10B 429,579 2,649 359,405 1,020 PNC Financial Services Group PA 70,036 2,812 >$50B 253,163 3,331 183,127 519 Advanta Bank Corp UT 59,613 9,186 $1B-$10B 59,613 9,186 - - Chemical Financial Corporation MI 54,777 1,561 $1B-$10B 245,268 2,175 190,491 614 Mercantile Bank Corporation MI 48,780 1,010 $1B-$10B 490,881 2,156 442,101 1,146 Independent Bank Corporation MI 40,940 915 $1B-$10B 218,658 1,474 177,718 559 Discover Bank DE 40,750 5,203 $10B-$50B 40,750 5,203 - - MBT Financial Corp. MI 22,191 530 $1B-$10B 158,694 948 136,503 418 RBS Citizens N.A. RI 17,251 782 >$50B 62,521 877 45,270 95 Isabella Bank Corporation MI 11,608 254 $1B-$10B 56,430 402 44,822 148 Dearborn Bancorp Inc. MI 11,240 231 $1B-$10B 173,906 641 162,666 410 FNBH Bancorp Inc. MI 10,080 220 <$1B 54,165 360 44,085 140 Fentura Financial Inc. MI 10,061 216 <$1B 56,301 361 46,240 145 Minnesota Wells Fargo & Company CA 905,017 37,245 >$50B 1,470,382 38,953 565,365 1,708 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

U.S. Bancorp MN 226,588 19,786 >$50B 638,712 20,820 412,124 1,034 American Express Bank FSB UT 217,527 24,777 $10B-$50B 233,877 24,845 16,350 68 JPMorgan Chase & Co. NY 186,792 24,874 >$50B 195,646 24,892 8,854 18 GE Capital Financial Inc. UT 80,455 6,743 $1B-$10B 93,993 6,809 13,538 66 Capital One Financial Corporation VA 73,911 14,567 >$50B 75,911 14,569 2,000 2 Otto Bremer Foundation MN 71,647 1,630 $1B-$10B 640,017 3,114 568,370 1,484 Citigroup Inc. NY 71,075 12,300 >$50B 71,197 12,301 122 1 CIT Group Inc. NY 43,256 1,972 . 46,245 1,983 2,989 11 Discover Bank DE 38,225 4,587 $10B-$50B 38,225 4,587 - - Advanta Bank Corp UT 37,418 5,295 $1B-$10B 37,418 5,295 - - Bank of America Corporation NC 36,828 6,440 >$50B 52,456 6,475 15,628 35 Klein Financial Inc. MN 33,708 902 $1B-$10B 208,014 1,400 174,306 498 Marshall & Ilsley Corporation WI 30,396 695 >$50B 457,857 1,633 427,461 938 Associated Banc-Corp WI 20,447 559 $10B-$50B 202,770 1,007 182,323 448 State Bankshares Inc. ND 17,161 484 $1B-$10B 97,189 704 80,028 220 Voyager Financial Services C MN 13,227 247 <$1B 103,897 492 90,670 245 Bank of The West CA 11,457 336 >$50B 60,120 466 48,663 130 Missouri American Express Bank FSB UT 205,995 28,316 $10B-$50B 224,608 28,406 18,613 90 JPMorgan Chase & Co. NY 198,824 26,499 >$50B 203,821 26,513 4,997 14 Central Bancompany MO 138,624 4,184 $1B-$10B 729,562 5,952 590,938 1,768 U.S. Bancorp MN 137,135 9,723 >$50B 472,555 10,680 335,420 957 Wells Fargo & Company CA 119,804 4,056 >$50B 149,813 4,176 30,009 120 GE Capital Financial Inc. UT 103,031 13,447 $1B-$10B 128,705 13,504 25,674 57 Citigroup Inc. NY 99,414 16,883 >$50B 99,414 16,883 - - Commerce Bancshares Inc. MO 98,405 3,102 $10B-$50B 597,983 4,552 499,578 1,450 Bank of America Corporation NC 90,831 11,749 >$50B 254,655 12,210 163,824 461 Capital One Financial Corporation VA 66,891 14,576 >$50B 68,041 14,578 1,150 2 CIT Group Inc. NY 51,435 2,313 . 62,758 2,330 11,323 17 Discover Bank DE 42,450 5,273 $10B-$50B 42,450 5,273 - - Advanta Bank Corp UT 35,001 5,213 $1B-$10B 35,001 5,213 - - Marshall & Ilsley Corporation WI 33,196 695 >$50B 414,940 1,660 381,744 965 Regions Financial Corporation AL 30,464 698 >$50B 202,492 1,188 172,028 490 UMB Financial Corporation MO 27,888 909 $1B-$10B 234,490 1,462 206,602 553 Enterprise Financial Service MO 21,499 366 $1B-$10B 282,566 1,025 261,067 659 Dickinson Financial Corporation MO 17,590 560 $1B-$10B 76,320 746 58,730 186 First Banks Inc. MO 15,300 415 $10B-$50B 118,935 693 103,635 278 Arvest Bank Group Inc. AR 11,877 357 $1B-$10B 78,633 558 66,756 201 Mississippi 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Regions Financial Corporation AL 121,401 2,971 >$50B 399,460 3,766 278,059 795 Trustmark Corporation MS 100,010 2,718 $1B-$10B 398,497 3,599 298,487 881 American Express Bank FSB UT 77,192 13,076 $10B-$50B 83,081 13,112 5,889 36 BancorpSouth Inc. MS 72,753 2,698 $10B-$50B 329,861 3,523 257,108 825 JPMorgan Chase & Co. NY 56,640 8,613 >$50B 59,006 8,620 2,366 7 Bancplus Corporation MS 42,828 1,816 $1B-$10B 172,035 2,214 129,207 398 Wells Fargo & Company CA 40,846 1,219 >$50B 104,461 1,411 63,615 192 GE Capital Financial Inc. UT 38,214 5,254 $1B-$10B 68,549 5,415 30,335 161 First M & F Corporation MS 30,172 1,184 $1B-$10B 77,229 1,354 47,057 170 Renasant Corporation MS 29,284 890 $1B-$10B 132,110 1,233 102,826 343 State Bank And Trust Company MS 26,986 1,445 <$1B 76,334 1,639 49,348 194 Hancock Holding Company MS 25,052 684 $1B-$10B 105,750 960 80,698 276 Citizens National Banc Corp. MS 24,207 770 $1B-$10B 114,320 1,044 90,113 274 Citigroup Inc. NY 24,117 4,774 >$50B 24,117 4,774 - - Cadence Financial Corporation MS 23,196 1,084 $1B-$10B 70,145 1,256 46,949 172 Capital One Financial Corporation VA 22,767 5,124 >$50B 25,061 5,131 2,294 7 CIT Group Inc. NY 17,383 940 . 17,532 941 149 1 Bank of America Corporation NC 16,348 3,213 >$50B 21,657 3,225 5,309 12 Advanta Bank Corp UT 10,675 1,576 $1B-$10B 10,675 1,576 - - Montana American Express Bank FSB UT 142,757 16,544 $10B-$50B 146,018 16,561 3,261 17 Wells Fargo & Company CA 117,106 4,777 >$50B 192,698 5,008 75,592 231 First Interstate BancSystem MT 63,037 2,323 $1B-$10B 234,360 2,887 171,323 564 JPMorgan Chase & Co. NY 45,298 6,064 >$50B 46,406 6,071 1,108 7 U.S. Bancorp MN 28,537 2,054 >$50B 100,918 2,262 72,381 208 Stockman Financial Corporation MT 26,796 780 $1B-$10B 140,329 1,122 113,533 342 Capital One Financial Corporation VA 25,522 5,352 >$50B 25,772 5,353 250 1 GE Capital Financial Inc. UT 19,700 1,652 $1B-$10B 25,592 1,684 5,892 32 Citigroup Inc. NY 16,848 3,136 >$50B 16,848 3,136 - - Bank of America Corporation NC 13,125 2,425 >$50B 15,154 2,432 2,029 7 North Carolina BB&T Corporation NC 438,560 10,453 >$50B 2,495,110 16,379 2,056,550 5,926 American Express Bank FSB UT 384,052 53,268 $10B-$50B 416,805 53,415 32,753 147 Wells Fargo & Company CA 350,534 10,865 >$50B 1,876,989 14,896 1,526,455 4,031 First Citizens Bancshares I NC 286,438 9,789 $10B-$50B 1,154,196 12,397 867,758 2,608 JPMorgan Chase & Co. NY 247,772 32,808 >$50B 256,383 32,831 8,611 23 GE Capital Financial Inc. UT 184,061 29,285 $1B-$10B 230,901 29,538 46,840 253 Bank of America Corporation NC 149,848 21,541 >$50B 394,009 22,178 244,161 637 Citigroup Inc. NY 124,867 24,587 >$50B 127,859 24,598 2,992 11 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Capital One Financial Corporation VA 95,358 20,095 >$50B 96,758 20,098 1,400 3 SunTrust Banks Inc. GA 78,244 3,203 >$50B 439,635 4,277 361,391 1,074 CIT Group Inc. NY 75,511 3,614 . 100,309 3,659 24,798 45 RBC Bank NC 50,675 1,551 $10B-$50B 351,929 2,353 301,254 802 Advanta Bank Corp UT 50,286 7,328 $1B-$10B 50,286 7,328 - - Fidelity Bancshares (N.C.) NC 40,757 1,029 $1B-$10B 258,364 1,714 217,607 685 South Financial Group Inc. SC 40,529 947 $10B-$50B 269,554 1,636 229,025 689 FNB United Corp. NC 38,386 757 $1B-$10B 187,760 1,241 149,374 484 Southern Bancshares (N.C.) NC 34,869 1,132 $1B-$10B 150,728 1,505 115,859 373 NewBridge Bancorp NC 32,950 737 $1B-$10B 202,555 1,247 169,605 510 Yadkin Valley Financial Corp NC 31,416 764 $1B-$10B 167,622 1,218 136,206 454 Discover Bank DE 28,242 3,622 $10B-$50B 28,242 3,622 - - First Bancorp NC 22,115 799 $1B-$10B 77,719 975 55,604 176 U.S. Bancorp MN 19,497 1,640 >$50B 20,885 1,646 1,388 6 United Community Banks Inc. GA 18,465 646 $1B-$10B 60,543 796 42,078 150 Four Oaks Fincorp Inc. NC 16,555 572 <$1B 65,649 739 49,094 167 Southern Community Financial NC 16,210 438 $1B-$10B 96,179 677 79,969 239 Citizens South Bank NC 15,637 326 <$1B 112,151 604 96,514 278 Fifth Third Bancorp OH 13,843 754 >$50B 59,376 872 45,533 118 Bank of Granite Corporation NC 13,058 358 $1B-$10B 48,705 471 35,647 113 First National Bank NC 12,536 391 <$1B 49,463 518 36,927 127 Capital Bank Corporation NC 12,213 327 $1B-$10B 69,305 491 57,092 164 Peoples Bancorp of North Carolina NC 11,280 274 <$1B 62,165 431 50,885 157 North Dakota Wells Fargo & Company CA 74,165 2,676 >$50B 175,791 2,966 101,626 290 State Bankshares Inc. ND 29,423 709 $1B-$10B 210,468 1,200 181,045 491 U.S. Bancorp MN 28,544 2,572 >$50B 56,209 2,644 27,665 72 Otto Bremer Foundation MN 26,483 685 $1B-$10B 219,683 1,189 193,200 504 JPMorgan Chase & Co. NY 21,605 2,946 >$50B 21,730 2,947 125 1 GE Capital Financial Inc. UT 15,552 1,247 $1B-$10B 24,183 1,281 8,631 34 Dacotah Banks Inc. SD 12,402 442 $1B-$10B 46,878 574 34,476 132 Capital One Financial Corporation VA 11,715 2,708 >$50B 11,715 2,708 - - American Express Bank FSB UT 11,414 1,660 $10B-$50B 11,637 1,662 223 2 Nebraska Wells Fargo & Company CA 152,677 6,220 >$50B 269,772 6,580 117,095 360 Lauritzen Corporation NE 81,232 3,713 $10B-$50B 362,603 4,541 281,371 828 Pinnacle Bancorp Inc. NE 75,882 2,928 $1B-$10B 263,700 3,527 187,818 599 JPMorgan Chase & Co. NY 71,294 9,265 >$50B 71,544 9,266 250 1 American Express Bank FSB UT 54,310 6,978 $10B-$50B 58,051 6,998 3,741 20 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

U.S. Bancorp MN 38,861 2,983 >$50B 113,991 3,176 75,130 193 Tierone Bank NE 27,468 902 $1B-$10B 112,942 1,183 85,474 281 GE Capital Financial Inc. UT 26,988 3,111 $1B-$10B 32,135 3,123 5,147 12 Citigroup Inc. NY 24,640 4,186 >$50B 25,373 4,187 733 1 Capital One Financial Corporation VA 22,461 5,046 >$50B 22,461 5,046 - - Farmers & Merchants Investment NE 19,802 539 $1B-$10B 127,770 847 107,968 308 CIT Group Inc. NY 16,016 759 . 16,307 761 291 2 Great Western Bank SD 12,694 309 $1B-$10B 60,036 457 47,342 148 Bank of The West CA 11,873 409 >$50B 41,064 491 29,191 82 Discover Bank DE 11,498 1,338 $10B-$50B 11,498 1,338 - - Bank of America Corporation NC 11,113 2,095 >$50B 20,622 2,111 9,509 16 American National Corporation NE 10,822 303 $1B-$10B 75,303 479 64,481 176 New Hampshire TD Bank N.A ME 89,793 2,112 >$50B 352,252 2,913 262,459 801 American Express Bank FSB UT 84,195 12,385 $10B-$50B 91,476 12,417 7,281 32 JPMorgan Chase & Co. NY 74,315 9,227 >$50B 75,395 9,233 1,080 6 Wells Fargo & Company CA 52,809 1,560 >$50B 63,572 1,626 10,763 66 Citigroup Inc. NY 37,085 6,635 >$50B 37,510 6,638 425 3 RBS Citizens N.A. RI 36,742 1,517 >$50B 157,018 1,820 120,276 303 Bank of America Corporation NC 32,102 4,352 >$50B 101,924 4,510 69,822 158 GE Capital Financial Inc. UT 29,385 3,103 $1B-$10B 33,452 3,125 4,067 22 Capital One Financial Corporation VA 28,222 5,515 >$50B 28,222 5,515 - - Ocean Bank NH 17,875 389 113,066 679 95,191 290 CIT Group Inc. NY 15,126 787 . 16,965 792 1,839 5 Advanta Bank Corp UT 12,889 1,906 $1B-$10B 12,889 1,906 - - New Jersey American Express Bank FSB UT 969,024 142,273 $10B-$50B 1,106,105 142,843 137,081 570 JPMorgan Chase & Co. NY 742,253 69,555 >$50B 922,115 69,951 179,862 396 PNC Financial Services Group PA 647,790 14,917 >$50B 1,295,770 16,656 647,980 1,739 Wells Fargo & Company CA 386,727 11,429 >$50B 1,453,467 14,325 1,066,740 2,896 Bank of America Corporation NC 286,051 31,566 >$50B 874,222 33,000 588,171 1,434 Citigroup Inc. NY 240,018 40,153 >$50B 288,745 40,317 48,727 164 Capital One Financial Corporation VA 177,987 30,437 >$50B 337,484 30,816 159,497 379 Valley National Bancorp NJ 98,019 2,315 $10B-$50B 460,700 3,191 362,681 876 CIT Group Inc. NY 81,055 4,102 . 89,482 4,123 8,427 21 GE Capital Financial Inc. UT 75,886 10,028 $1B-$10B 116,162 10,168 40,276 140 Advanta Bank Corp UT 63,969 8,938 $1B-$10B 63,969 8,938 - - TD Bank N.A ME 61,673 1,380 >$50B 289,219 1,945 227,546 565 HSBC Bank USA NA NY 50,782 999 >$50B 99,121 1,121 48,339 122 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Fulton Financial Corporation PA 46,635 973 $10B-$50B 309,153 1,687 262,518 714 Sovereign Bank PA 41,807 720 >$50B 71,142 802 29,335 82 Discover Bank DE 26,162 3,156 $10B-$50B 26,162 3,156 - - U.S. Bancorp MN 22,650 1,541 >$50B 28,729 1,561 6,079 20 Susquehanna Bancshares Inc. PA 19,338 418 $10B-$50B 130,429 745 111,091 327 Columbia Bank NJ 17,126 273 $1B-$10B 104,703 505 87,577 232 Sun Bancorp Inc NJ 16,718 319 $1B-$10B 124,258 578 107,540 259 Lakeland Bancorp Inc. NJ 16,566 302 $1B-$10B 131,560 608 114,994 306 Provident Financial Services NJ 16,031 360 $1B-$10B 127,264 636 111,233 276 New Mexico Wells Fargo & Company CA 241,165 9,467 >$50B 404,824 9,990 163,659 523 American Express Bank FSB UT 92,299 13,397 $10B-$50B 99,272 13,438 6,973 41 JPMorgan Chase & Co. NY 90,257 9,620 >$50B 93,943 9,630 3,686 10 First State Bancorporation NM 41,183 1,096 $1B-$10B 328,577 1,888 287,394 792 Bank of America Corporation NC 31,595 4,268 >$50B 86,355 4,430 54,760 162 Citigroup Inc. NY 31,097 5,594 >$50B 31,547 5,595 450 1 GE Capital Financial Inc. UT 25,033 3,411 $1B-$10B 33,873 3,441 8,840 30 Capital One Financial Corporation VA 24,493 5,433 >$50B 24,493 5,433 - - CIT Group Inc. NY 17,716 811 . 21,764 818 4,048 7 Compass Bank AL 17,157 488 >$50B 28,756 524 11,599 36 Advanta Bank Corp UT 11,310 1,696 $1B-$10B 11,310 1,696 - - Bank of The West CA 10,452 333 >$50B 55,556 450 45,104 117 Trinity Capital Corporation NM 10,241 221 $1B-$10B 74,387 416 64,146 195 Nevada Wells Fargo & Company CA 444,020 20,465 >$50B 609,552 21,014 165,532 549 American Express Bank FSB UT 230,328 29,064 $10B-$50B 251,293 29,163 20,965 99 JPMorgan Chase & Co. NY 148,353 15,304 >$50B 155,114 15,321 6,761 17 Bank of America Corporation NC 74,191 8,467 >$50B 172,966 8,733 98,775 266 Zions Bancorporation UT 67,948 2,017 >$50B 288,126 2,526 220,178 509 Citigroup Inc. NY 62,919 11,257 >$50B 74,821 11,300 11,902 43 U.S. Bancorp MN 39,877 3,859 >$50B 120,047 4,040 80,170 181 Capital One Financial Corporation VA 32,190 7,240 >$50B 32,190 7,240 - - Western Alliance Bancorporation NV 24,443 397 $1B-$10B 203,609 897 179,166 500 GE Capital Financial Inc. UT 23,817 3,268 $1B-$10B 42,591 3,332 18,774 64 CIT Group Inc. NY 19,304 984 . 23,676 995 4,372 11 Advanta Bank Corp UT 18,936 2,684 $1B-$10B 18,936 2,684 - - New York JPMorgan Chase & Co. NY 2,351,163 181,228 >$50B 3,250,174 183,372 899,011 2,144 American Express Bank FSB UT 1,920,983 269,165 $10B-$50B 2,205,467 270,441 284,484 1,276 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

HSBC Bank USA NA NY 898,657 21,599 >$50B 1,944,788 24,680 1,046,131 3,081 Capital One Financial Corporation VA 686,576 65,437 >$50B 1,519,131 67,570 832,555 2,133 Citigroup Inc. NY 597,762 85,332 >$50B 931,212 86,403 333,450 1,071 Wells Fargo & Company CA 490,379 14,900 >$50B 841,992 16,146 351,613 1,246 Bank of America Corporation NC 359,279 40,234 >$50B 1,001,059 41,852 641,780 1,618 CIT Group Inc. NY 175,580 8,957 . 196,792 9,001 21,212 44 GE Capital Financial Inc. UT 154,036 17,562 $1B-$10B 217,361 17,811 63,325 249 Manufacturers & Traders Trust NY 121,669 2,609 >$50B 1,156,653 5,234 1,034,984 2,625 Advanta Bank Corp UT 113,530 16,655 $1B-$10B 113,530 16,655 - - Discover Bank DE 74,263 9,567 $10B-$50B 74,263 9,567 - - First Niagara Bank NY 73,839 2,132 $1B-$10B 373,558 3,036 299,719 904 NBT Bancorp Inc. NY 55,621 1,625 $1B-$10B 227,037 2,179 171,416 554 Community Bank System Inc. NY 55,555 1,739 $1B-$10B 152,651 2,095 97,096 356 TD Bank N.A ME 50,201 1,270 >$50B 241,311 1,756 191,110 486 Financial Institutions Inc. NY 46,093 1,215 $1B-$10B 149,345 1,519 103,252 304 Keycorp OH 42,134 1,096 >$50B 273,322 1,696 231,188 600 U.S. Bancorp MN 38,077 3,431 >$50B 47,507 3,454 9,430 23 Tompkins Financial Corporation NY 36,035 814 $1B-$10B 187,835 1,240 151,800 426 RBS Citizens N.A. RI 32,958 2,029 >$50B 140,944 2,266 107,986 237 Valley National Bancorp NJ 28,685 473 $10B-$50B 116,960 653 88,275 180 Signature Bank NY 27,358 528 $1B-$10B 325,615 1,234 298,257 706 Suffolk Bancorp NY 25,877 537 $1B-$10B 133,490 878 107,613 341 Sovereign Bank PA 22,844 325 >$50B 44,358 374 21,514 49 Bridge Bancorp Inc. NY 22,583 518 <$1B 73,232 677 50,649 159 Canandaigua National Corpora NY 21,484 821 $1B-$10B 85,164 1,018 63,680 197 Provident Bank NY 19,829 459 $1B-$10B 111,206 725 91,377 266 Popular Inc. PR 19,091 644 $10B-$50B 37,850 692 18,759 48 State Bancorp Inc. NY 15,467 371 $1B-$10B 267,161 923 251,694 552 Arrow Financial Corporation NY 13,566 380 $1B-$10B 57,294 510 43,728 130 Alliance Financial Corporation NY 12,948 364 $1B-$10B 75,718 550 62,770 186 Astoria Federal Savings & Loans NY 12,260 466 $10B-$50B 27,290 512 15,030 46 M&I Bank FSB NV 10,456 396 $1B-$10B 10,456 396 - - Ohio JPMorgan Chase & Co. NY 568,685 63,551 >$50B 894,203 64,424 325,518 873 American Express Bank FSB UT 413,359 54,659 $10B-$50B 456,114 54,847 42,755 188 Huntington Bancshares Incorp. OH 330,682 8,869 >$50B 1,178,431 11,114 847,749 2,245 Wells Fargo & Company CA 189,506 6,279 >$50B 241,427 6,508 51,921 229 PNC Financial Services Group PA 184,737 5,728 >$50B 776,694 7,416 591,957 1,688 GE Capital Financial Inc. UT 181,534 25,435 $1B-$10B 236,655 25,611 55,121 176 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

U.S. Bancorp MN 155,099 13,196 >$50B 445,367 13,987 290,268 791 Fifth Third Bancorp OH 133,522 4,713 >$50B 1,358,457 7,806 1,224,935 3,093 Citigroup Inc. NY 131,070 25,504 >$50B 132,398 25,511 1,328 7 Park National Corporation OH 110,010 2,760 $1B-$10B 530,924 4,033 420,914 1,273 Capital One Financial Corporation VA 104,872 23,206 >$50B 104,872 23,206 - - CIT Group Inc. NY 90,044 4,112 . 106,670 4,149 16,626 37 Bank of America Corporation NC 82,240 13,466 >$50B 130,877 13,583 48,637 117 Advanta Bank Corp UT 56,920 8,442 $1B-$10B 56,920 8,442 - - Discover Bank DE 49,248 6,123 $10B-$50B 49,248 6,123 - - Keycorp OH 40,528 973 >$50B 321,405 1,713 280,877 740 First Federal Bank of The Mi OH 39,819 972 $1B-$10B 248,411 1,586 208,592 614 Firstmerit Corporation OH 32,529 660 $10B-$50B 332,675 1,452 300,146 792 RBS Citizens N.A. RI 27,983 1,329 >$50B 121,725 1,566 93,742 237 First Financial Bancorp OH 25,546 505 $1B-$10B 168,515 925 142,969 420 Wesbanco Inc. WV 14,335 336 $1B-$10B 84,288 540 69,953 204 Citizens Bancshares Inc. OH 11,019 231 <$1B 67,296 407 56,277 176 Farmers & Merchants Bancorp OH 10,609 312 <$1B 55,195 446 44,586 134 Oklahoma JPMorgan Chase & Co. NY 162,213 19,627 >$50B 181,470 19,679 19,257 52 American Express Bank FSB UT 124,024 19,643 $10B-$50B 135,360 19,705 11,336 62 BancFirst Corporation OK 96,223 3,481 $1B-$10B 372,968 4,324 276,745 843 Arvest Bank Group Inc. AR 91,937 3,286 $1B-$10B 341,437 4,122 249,500 836 Wells Fargo & Company CA 67,664 2,434 >$50B 77,466 2,496 9,802 62 Citigroup Inc. NY 58,715 10,291 >$50B 59,165 10,293 450 2 GE Capital Financial Inc. UT 48,388 8,185 $1B-$10B 66,226 8,265 17,838 80 Capital One Financial Corpor VA 38,090 9,381 >$50B 38,506 9,383 416 2 Bank of America Corporation NC 36,045 5,769 >$50B 76,015 5,898 39,970 129 CIT Group Inc. NY 35,914 1,657 . 38,087 1,661 2,173 4 Durant Bancorp Inc. OK 34,090 1,134 $1B-$10B 120,707 1,463 86,617 329 Bok Financial Corporation OK 26,600 479 $10B-$50B 319,055 1,188 292,455 709 One Rich Hill Land LTD. Part TX 21,843 504 $1B-$10B 155,434 878 133,591 374 Discover Bank DE 21,784 2,719 $10B-$50B 21,784 2,719 - - Advanta Bank Corp UT 18,722 2,845 $1B-$10B 18,722 2,845 - - Southwest Bancorp Inc. OK 17,067 334 $1B-$10B 148,250 702 131,183 368 MidFirst Bank OK 16,494 345 $10B-$50B 157,610 708 141,116 363 First Fidelity Bancorp Inc. OK 15,474 415 $1B-$10B 62,490 567 47,016 152 Central Bancompany MO 10,302 263 $1B-$10B 60,289 414 49,987 151 Oregon Wells Fargo & Company CA 539,440 20,272 >$50B 802,201 21,299 262,761 1,027 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

American Express Bank FSB UT 373,385 42,368 $10B-$50B 382,512 42,410 9,127 42 JPMorgan Chase & Co. NY 281,273 27,958 >$50B 321,943 28,041 40,670 83 U.S. Bancorp MN 159,137 13,438 >$50B 500,621 14,294 341,484 856 Bank of America Corporation NC 85,259 12,112 >$50B 188,491 12,376 103,232 264 Capital One Financial Corporation VA 70,502 14,379 >$50B 70,502 14,379 - - Citigroup Inc. NY 66,834 12,372 >$50B 66,834 12,372 - - Umpqua Holdings Corporation OR 42,213 824 $1B-$10B 380,367 1,721 338,154 897 Cascade Bancorp OR 39,693 971 $1B-$10B 207,612 1,424 167,919 453 CIT Group Inc. NY 36,183 1,615 . 48,760 1,640 12,577 25 Advanta Bank Corp UT 31,748 4,615 $1B-$10B 31,748 4,615 - - GE Capital Financial Inc. UT 30,932 2,660 $1B-$10B 88,599 2,877 57,667 217 Sterling Financial Corporation WA 26,838 672 $10B-$50B 187,859 1,084 161,021 412 West Coast Bancorp OR 19,741 431 $1B-$10B 144,967 780 125,226 349 Columbia Bancorp OR 18,098 380 $1B-$10B 129,106 683 111,008 303 Discover Bank DE 15,535 1,904 $10B-$50B 15,535 1,904 - - Keycorp OH 15,072 383 >$50B 125,783 644 110,711 261 Bank of The West CA 14,395 502 >$50B 126,054 736 111,659 234 Pacific Continental Corporation OR 14,210 276 $1B-$10B 121,454 570 107,244 294 PremierWest Bancorp OR 14,152 279 $1B-$10B 88,176 490 74,024 211 Liberty Financial Group Inc OR 11,471 235 <$1B 60,135 377 48,664 142 Pennsylvania PNC Financial Services Group PA 858,467 21,782 >$50B 2,250,205 25,732 1,391,738 3,950 American Express Bank FSB UT 580,125 83,438 $10B-$50B 633,794 83,676 53,669 238 JPMorgan Chase & Co. NY 455,796 57,486 >$50B 498,811 57,588 43,015 102 Wells Fargo & Company CA 366,065 11,335 >$50B 1,370,673 13,989 1,004,608 2,654 Citigroup Inc. NY 202,009 35,956 >$50B 239,542 36,097 37,533 141 GE Capital Financial Inc. UT 177,791 23,548 $1B-$10B 263,358 23,888 85,567 340 Capital One Financial Corporation VA 144,256 30,758 >$50B 144,256 30,758 - - Bank of America Corporation NC 134,651 21,474 >$50B 259,132 21,793 124,481 319 Susquehanna Bancshares Inc. PA 107,875 2,681 $10B-$50B 549,398 4,032 441,523 1,351 RBS Citizens N.A. RI 105,812 3,337 >$50B 522,019 4,426 416,207 1,089 CIT Group Inc. NY 105,004 5,002 . 111,600 5,018 6,596 16 Fulton Financial Corporation PA 103,639 2,343 $10B-$50B 697,940 3,969 594,301 1,626 F.N.B. Corporation PA 87,930 2,105 $1B-$10B 492,749 3,399 404,819 1,294 U.S. Bancorp MN 79,391 5,392 >$50B 115,085 5,556 35,694 164 Advanta Bank Corp UT 73,684 10,499 $1B-$10B 73,684 10,499 - - Manufacturers & Traders Trust NY 66,540 1,373 >$50B 527,083 2,572 460,543 1,199 Discover Bank DE 57,664 7,114 $10B-$50B 57,664 7,114 - - S & T Bancorp Inc. PA 52,431 1,620 $1B-$10B 266,889 2,232 214,458 612 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Sovereign Bank PA 52,404 1,111 >$50B 175,543 1,451 123,139 340 National Penn Bancshares Inc PA 38,432 738 $1B-$10B 361,656 1,607 323,224 869 Northwest Savings Bank PA 32,584 738 $1B-$10B 159,020 1,170 126,436 432 CNB Financial Corporation PA 28,208 608 <$1B 118,462 899 90,254 291 First Commonwealth Financial PA 25,609 614 $1B-$10B 242,428 1,091 216,819 477 First National Community Ban PA 20,902 580 $1B-$10B 70,102 706 49,200 126 Univest Corporation of Pennsyvani PA 15,675 397 $1B-$10B 89,327 625 73,652 228 TD Bank N.A ME 15,521 333 >$50B 104,866 549 89,345 216 QNB Corp. PA 14,965 332 <$1B 70,684 500 55,719 168 Vist Financial Corp. PA 12,952 270 $1B-$10B 69,794 432 56,842 162 Fidelity D&D Bancorp Inc. PA 12,049 309 <$1B 55,284 444 43,235 135 Community Bank System Inc. NY 11,324 364 $1B-$10B 51,185 489 39,861 125 Harleysville National Corportion PA 10,794 246 $1B-$10B 61,457 397 50,663 151 1st Summit Bancorp of Johnston PA 10,637 310 <$1B 49,383 437 38,746 127 NBT Bancorp Inc. NY 10,077 279 $1B-$10B 38,799 367 28,722 88 Puerto Rico Popular Inc. PR 500,442 14,940 $10B-$50B 1,407,665 17,976 907,223 3,036 Banco Santander De Puerto RI PR 52,861 1,442 $1B-$10B 214,547 1,925 161,686 483 Compass Bank AL 36,549 1,076 >$50B 159,293 1,413 122,744 337 EuroBancshares Inc. PR 34,171 726 $1B-$10B 184,308 1,168 150,137 442 Wells Fargo & Company CA 25,419 850 >$50B 27,807 867 2,388 17 Doral Holdings L.P. PR 19,162 1,038 $1B-$10B 43,524 1,102 24,362 64 First Bancorp PR 11,278 309 $10B-$50B 99,452 525 88,174 216 Rhode Island American Express Bank FSB UT 66,011 9,708 $10B-$50B 67,912 9,718 1,901 10 JPMorgan Chase & Co. NY 45,355 5,569 >$50B 46,811 5,574 1,456 5 Wells Fargo & Company CA 35,643 1,082 >$50B 47,072 1,144 11,429 62 Bank of America Corporation NC 31,866 3,143 >$50B 177,172 3,508 145,306 365 RBS Citizens N.A. RI 29,231 1,435 >$50B 159,189 1,742 129,958 307 Bancorp Rhode Island Inc. RI 25,171 527 117,919 804 92,748 277 Citigroup Inc. NY 24,645 4,448 >$50B 24,645 4,448 - - Capital One Financial Corporation VA 16,361 3,266 >$50B 16,361 3,266 - - Sovereign Bank PA 14,245 263 >$50B 54,163 372 39,918 109 Washington Trust Bancorp In RI 10,115 280 $1B-$10B 83,984 469 73,869 189 South Carolina American Express Bank FSB UT 216,269 28,989 $10B-$50B 227,343 29,050 11,074 61 Wells Fargo & Company CA 130,323 4,049 >$50B 739,339 5,603 609,016 1,554 BB&T Corporation NC 110,130 2,658 >$50B 626,907 4,148 516,777 1,490 First Citizens Bancorporation SC 104,225 2,693 $1B-$10B 534,712 4,032 430,487 1,339 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

JPMorgan Chase & Co. NY 103,675 13,981 >$50B 105,255 13,987 1,580 6 Bank of America Corporation NC 78,137 10,234 >$50B 229,618 10,663 151,481 429 GE Capital Financial Inc. UT 72,273 11,470 $1B-$10B 92,396 11,558 20,123 88 SCBT Financial Corporation SC 67,193 1,628 $1B-$10B 352,904 2,488 285,711 860 Synovus Financial Corp. GA 67,085 1,856 $10B-$50B 397,145 2,825 330,060 969 South Financial Group Inc. SC 59,122 1,613 $10B-$50B 381,566 2,557 322,444 944 CNB Corporation SC 57,614 2,083 <$1B 214,676 2,655 157,062 572 Citigroup Inc. NY 48,286 9,650 >$50B 48,523 9,651 237 1 Capital One Financial Corporation VA 40,618 8,638 >$50B 40,618 8,638 - - CIT Group Inc. NY 29,986 1,565 . 47,978 1,594 17,992 29 Advanta Bank Corp UT 20,406 2,978 $1B-$10B 20,406 2,978 - - Regions Financial Corporation AL 18,124 443 >$50B 110,226 715 92,102 272 Palmetto Bancshares Inc. SC 17,913 517 $1B-$10B 83,267 716 65,354 199 Discover Bank DE 15,088 1,860 $10B-$50B 15,088 1,860 - - First Federal of Charleston SC 14,224 298 $1B-$10B 70,133 474 55,909 176 SunTrust Banks Inc. GA 12,810 517 >$50B 106,233 749 93,423 232 U.S. Bancorp MN 10,384 937 >$50B 11,192 940 808 3 South Dakota Wells Fargo & Company CA 136,234 5,161 >$50B 344,830 5,708 208,596 547 Dacotah Banks Inc. SD 36,761 1,286 $1B-$10B 170,838 1,720 134,077 434 U.S. Bancorp MN 27,630 1,840 >$50B 143,952 2,132 116,322 292 JPMorgan Chase & Co. NY 27,017 3,865 >$50B 27,242 3,866 225 1 Great Western Bank SD 25,448 887 $1B-$10B 118,236 1,176 92,788 289 Minnehaha Banshares Inc. SD 22,543 575 $1B-$10B 144,291 887 121,748 312 American Express Bank FSB UT 17,661 2,370 $10B-$50B 18,779 2,375 1,118 5 GE Capital Financial Inc. UT 14,354 1,488 $1B-$10B 16,791 1,505 2,437 17 Capital One Financial Corporation VA 11,227 2,546 >$50B 11,227 2,546 - - Home Federal Bank SD 11,024 266 $1B-$10B 55,890 406 44,866 140 Lauritzen Corporation NE 10,237 396 $10B-$50B 54,070 513 43,833 117 Tennessee Regions Financial Corporation AL 364,628 8,234 >$50B 958,616 9,932 593,988 1,698 American Express Bank FSB UT 235,756 33,807 $10B-$50B 249,680 33,880 13,924 73 JPMorgan Chase & Co. NY 151,525 20,608 >$50B 157,451 20,622 5,926 14 First Horizon National Corporation TN 136,427 2,844 $10B-$50B 879,004 4,978 742,577 2,134 Wells Fargo & Company CA 101,647 3,267 >$50B 181,062 3,524 79,415 257 GE Capital Financial Inc. UT 92,876 13,764 $1B-$10B 115,816 13,853 22,940 89 SunTrust Banks Inc. GA 80,968 3,031 >$50B 606,864 4,420 525,896 1,389 Bank of America Corporation NC 72,697 10,600 >$50B 181,501 10,879 108,804 279 Citigroup Inc. NY 71,636 14,113 >$50B 72,334 14,119 698 6 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Pinnacle Financial Partners TN 61,992 1,383 $1B-$10B 553,490 2,675 491,498 1,292 CIT Group Inc. NY 51,005 2,406 . 62,212 2,429 11,207 23 Green Bankshares Inc. TN 50,947 1,228 $1B-$10B 289,557 1,979 238,610 751 Capital One Financial Corporation VA 50,296 11,798 >$50B 50,806 11,799 510 1 U.S. Bancorp MN 46,074 3,985 >$50B 94,622 4,125 48,548 140 First South Bancorp Inc. TN 43,466 2,111 $1B-$10B 166,650 2,531 123,184 420 BB&T Corporation NC 36,454 831 >$50B 222,925 1,368 186,471 537 First Security Group Inc. TN 28,462 735 $1B-$10B 159,482 1,141 131,020 406 Advanta Bank Corp UT 27,633 4,082 $1B-$10B 27,633 4,082 - - Discover Bank DE 26,584 3,306 $10B-$50B 26,584 3,306 - - First Citizens Bancshares TN 25,574 794 <$1B 101,968 1,037 76,394 243 BancorpSouth Inc. MS 20,814 661 $10B-$50B 104,107 926 83,293 265 Community First Bancshares TN 15,234 457 $1B-$10B 87,746 679 72,512 222 Synovus Financial Corp. GA 14,882 296 $10B-$50B 107,299 572 92,417 276 Renasant Corporation MS 14,876 344 $1B-$10B 110,947 622 96,071 278 Community First Inc. TN 12,150 360 <$1B 63,538 526 51,388 166 Fifth Third Bancorp OH 11,868 483 >$50B 73,628 636 61,760 153 Texas Wells Fargo & Company CA 1,842,537 70,979 >$50B 3,395,478 75,695 1,552,941 4,716 JPMorgan Chase & Co. NY 1,690,930 156,703 >$50B 2,163,829 157,966 472,899 1,263 American Express Bank FSB UT 1,319,849 195,318 $10B-$50B 1,484,250 196,077 164,401 759 Citigroup Inc. NY 465,014 80,436 >$50B 553,420 80,702 88,406 266 Capital One Financial Corporation VA 405,613 74,380 >$50B 700,707 75,251 295,094 871 Bank of America Corporation NC 361,038 48,641 >$50B 877,718 50,073 516,680 1,432 GE Capital Financial Inc. UT 331,296 42,879 $1B-$10B 546,361 43,627 215,065 748 Compass Bank AL 294,679 8,476 >$50B 556,999 9,399 262,320 923 Cit Group Inc. NY 241,728 12,219 . 358,525 12,432 116,797 213 Cullen/Frost Bankers Inc. TX 167,405 3,430 $10B-$50B 1,237,399 6,222 1,069,994 2,792 Advanta Bank Corp UT 126,363 18,790 $1B-$10B 126,363 18,790 - - Prosperity Bancshares Inc. TX 98,273 2,878 $1B-$10B 450,741 3,952 352,468 1,074 Discover Bank DE 96,046 11,667 $10B-$50B 96,046 11,667 - - Zions Bancorporation UT 76,338 1,651 >$50B 455,065 2,681 378,727 1,030 Amarillo National Bancorp TX 70,533 2,773 $1B-$10B 179,765 3,114 109,232 341 American State Financial Corp. TX 61,965 2,514 $1B-$10B 235,560 3,007 173,595 493 International Bancshares Corp. TX 58,981 1,633 $10B-$50B 292,385 2,355 233,404 722 Regions Financial Corporation AL 53,838 1,240 >$50B 263,429 1,851 209,591 611 U.S. Bancorp MN 53,288 4,466 >$50B 65,148 4,505 11,860 39 Lone Star National Bancshare TX 47,402 1,212 $1B-$10B 189,545 1,703 142,143 491 A.N.B. Holding Company LTD. TX 37,832 937 $1B-$10B 186,425 1,365 148,593 428 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

City Bank TX 36,278 1,127 $1B-$10B 208,640 1,629 172,362 502 Mow/RPW Ii LTD. TX 36,212 957 $1B-$10B 180,167 1,359 143,955 402 Southside Bancshares Incorp. TX 32,146 884 $1B-$10B 146,407 1,199 114,261 315 Central Community Corporation TX 29,288 904 $1B-$10B 154,082 1,270 124,794 366 Plains Bancorp Inc. TX 29,156 969 <$1B 92,084 1,182 62,928 213 Security Holding Company TX 26,938 988 <$1B 82,342 1,169 55,404 181 Sterling Bancshares Inc. TX 26,693 653 $1B-$10B 172,074 1,058 145,381 405 BancorpSouth Inc. MS 26,436 764 $10B-$50B 104,546 1,030 78,110 266 Bok Financial Corporation OK 26,303 495 $10B-$50B 279,407 1,127 253,104 632 Broadway Bancshares Inc. TX 25,341 671 $1B-$10B 135,604 989 110,263 318 Comerica Incorporated TX 24,617 459 >$50B 292,542 1,120 267,925 661 Legacytexas Group Inc. TX 21,835 434 $1B-$10B 139,814 735 117,979 301 West Financial Inc. TX 21,394 460 <$1B 139,101 767 117,707 307 Woodforest Financial Group TX 21,286 519 $1B-$10B 133,753 867 112,467 348 American Bank Holding Corp. TX 21,092 540 <$1B 88,390 743 67,298 203 Jefferson Bancshares Inc. TX 19,261 528 <$1B 81,977 712 62,716 184 Whitney Holding Corporation LA 17,413 322 $10B-$50B 170,918 702 153,505 380 Trustmark Corporation MS 15,899 329 $1B-$10B 114,744 597 98,845 268 Texas Capital Bancshares Inc TX 15,261 279 $1B-$10B 226,632 748 211,371 469 First Banks Inc. MO 14,534 304 $10B-$50B 105,636 581 91,102 277 First National Bank Group TX 13,562 380 $1B-$10B 78,169 578 64,607 198 Moody Bancshares Inc. TX 12,271 307 <$1B 91,937 560 79,666 253 Extraco Corporation TX 12,019 350 $1B-$10B 47,398 475 35,379 125 Inwood Bancshares Inc. TX 11,799 257 $1B-$10B 79,661 436 67,862 179 M&I Bank FSB NV 11,546 473 $1B-$10B 11,546 473 - - Henderson Citizens Bancshare TX 10,457 372 <$1B 33,098 457 22,641 85 Colonial Bancgroup Inc. AL 10,362 204 $10B-$50B 73,637 379 63,275 175 Utah Wells Fargo & Company CA 459,071 19,019 >$50B 719,427 19,836 260,356 817 American Express Bank FSB UT 305,571 33,038 $10B-$50B 330,396 33,171 24,825 133 Zions Bancorporation UT 258,399 8,273 >$50B 748,907 9,627 490,508 1,354 JPMorgan Chase & Co. NY 165,980 15,510 >$50B 226,177 15,671 60,197 161 Citigroup Inc. NY 37,960 7,387 >$50B 38,710 7,389 750 2 Capital One Financial Corp. VA 37,370 7,718 >$50B 37,370 7,718 - - GE Capital Financial Inc. UT 36,230 3,674 $1B-$10B 47,239 3,726 11,009 52 U.S. Bancorp MN 28,729 2,320 >$50B 95,134 2,497 66,405 177 Advanta Bank Corp UT 17,938 2,691 $1B-$10B 17,938 2,691 - - Southern Utah Bancorporation UT 16,648 479 <$1B 67,623 651 50,975 172 CIT Group Inc. NY 16,312 768 . 16,312 768 - - 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Bank of America Corporation NC 15,982 2,532 >$50B 27,582 2,560 11,600 28 Americanwest Bancorporation WA 13,008 321 $1B-$10B 56,864 449 43,856 128 Discover Bank DE 10,423 1,345 $10B-$50B 10,423 1,345 - - Virginia American Express Bank FSB UT 509,643 66,381 $10B-$50B 559,943 66,614 50,300 233 JPMorgan Chase & Co. NY 313,967 36,530 >$50B 322,171 36,552 8,204 22 Wells Fargo & Company CA 272,858 9,134 >$50B 1,175,878 11,516 903,020 2,382 BB&T Corporation NC 182,976 3,823 >$50B 1,303,395 6,859 1,120,419 3,036 Bank of America Corporation NC 148,222 19,201 >$50B 393,329 19,862 245,107 661 Citigroup Inc. NY 118,863 21,016 >$50B 129,807 21,056 10,944 40 SunTrust Banks Inc. GA 110,531 4,255 >$50B 799,366 6,032 688,835 1,777 GE Capital Financial Inc. UT 96,225 15,052 $1B-$10B 130,346 15,183 34,121 131 Capital One Financial Corp. VA 92,469 18,964 >$50B 92,469 18,964 - - CIT Group Inc. NY 70,135 3,677 . 82,234 3,702 12,099 25 PNC Financial Services Group PA 55,229 1,660 >$50B 221,683 2,133 166,454 473 Advanta Bank Corp UT 45,607 6,464 $1B-$10B 45,607 6,464 - - Stellarone Corporation VA 39,338 1,021 $1B-$10B 207,418 1,528 168,080 507 First Citizens Bancshares NC 36,651 1,145 $10B-$50B 174,964 1,553 138,313 408 Discover Bank DE 30,358 3,787 $10B-$50B 30,358 3,787 - - Townebank VA 29,658 974 $1B-$10B 187,791 1,418 158,133 444 Eastern Virginia Bankshares VA 20,977 616 $1B-$10B 85,537 818 64,560 202 United Bankshares Inc. WV 20,701 470 $1B-$10B 173,465 865 152,764 395 New Peoples Bankshares Inc. VA 20,424 661 <$1B 66,932 832 46,508 171 Union Bankshares Corporation VA 16,969 491 $1B-$10B 120,763 768 103,794 277 U.S. Bancorp MN 16,605 1,398 >$50B 18,330 1,407 1,725 9 Highlands Bankshares Inc. VA 16,461 546 <$1B 46,898 658 30,437 112 Burke & Herbert Bank And Trust VA 13,453 329 $1B-$10B 108,550 589 95,097 260 Virginia Commerce Bancorp VA 12,560 216 $1B-$10B 143,836 539 131,276 323 Old Point Financial Corporation VA 12,112 281 <$1B 71,847 452 59,735 171 Vermont American Express Bank FSB UT 47,564 6,433 $10B-$50B 48,996 6,443 1,432 10 Chittenden Trust Company VT 39,805 935 $1B-$10B 224,401 1,498 184,596 563 JPMorgan Chase & Co. NY 32,272 3,814 >$50B 32,622 3,816 350 2 TD Bank N.A ME 31,234 785 >$50B 162,325 1,129 131,091 344 Wells Fargo & Company CA 25,740 895 >$50B 31,110 927 5,370 32 Capital One Financial Corporation VA 16,209 3,183 >$50B 16,209 3,183 - - Citigroup Inc. NY 14,008 2,717 >$50B 14,008 2,717 - - Merchants Bank VT 13,868 434 $1B-$10B 70,327 625 56,459 191 Washington 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

American Express Bank FSB UT 758,776 81,734 $10B-$50B 776,837 81,817 18,061 83 Wells Fargo & Company CA 601,944 23,075 >$50B 915,905 24,133 313,961 1,058 JPMorgan Chase & Co. NY 409,294 39,141 >$50B 499,137 39,318 89,843 177 Bank of America Corporation NC 204,577 23,899 >$50B 540,533 24,759 335,956 860 U.S. Bancorp MN 168,760 14,336 >$50B 656,533 15,442 487,773 1,106 Citigroup Inc. NY 112,151 20,066 >$50B 112,963 20,070 812 4 Capital One Financial Corporation VA 99,828 20,868 >$50B 100,828 20,869 1,000 1 GE Capital Financial Inc. UT 59,410 6,219 $1B-$10B 103,346 6,396 43,936 177 Cit Group Inc. NY 55,284 2,473 . 67,110 2,492 11,826 19 Advanta Bank Corp UT 44,230 6,506 $1B-$10B 44,230 6,506 - - Frontier Financial Corporation WA 43,067 904 $1B-$10B 331,212 1,711 288,145 807 W.T.B. Financial Corporation WA 41,239 945 $1B-$10B 403,015 1,866 361,776 921 Columbia Banking System Inc WA 34,433 821 $1B-$10B 267,956 1,422 233,523 601 Sterling Financial Corporati WA 29,272 732 $10B-$50B 273,410 1,353 244,138 621 Banner Corporation WA 28,526 855 $1B-$10B 166,250 1,256 137,724 401 Keycorp OH 25,152 623 >$50B 237,006 1,101 211,854 478 Americanwest Bancorporation WA 24,005 517 $1B-$10B 127,362 815 103,357 298 Washington Banking Company WA 22,581 589 <$1B 101,335 827 78,754 238 Discover Bank DE 20,694 2,531 $10B-$50B 20,694 2,531 - - Olympic Bancorp Inc. WA 14,662 314 <$1B 115,059 595 100,397 281 Washington Federal Savings WA 13,813 357 $10B-$50B 25,026 396 11,213 39 Zions Bancorporation UT 11,845 273 >$50B 106,694 496 94,849 223 Cashmere Valley Financial Co WA 10,433 272 <$1B 53,496 410 43,063 138 Peoples Bancorp WA 10,414 224 <$1B 95,324 446 84,910 222 Wisconsin JPMorgan Chase & Co. NY 261,574 32,722 >$50B 413,706 33,078 152,132 356 Wells Fargo & Company CA 207,762 7,969 >$50B 346,313 8,432 138,551 463 Marshall & Ilsley Corporation WI 190,616 4,492 >$50B 1,922,701 9,031 1,732,085 4,539 U.S. Bancorp MN 152,118 13,048 >$50B 451,656 13,881 299,538 833 American Express Bank FSB UT 139,386 18,115 $10B-$50B 150,930 18,162 11,544 47 GE Capital Financial Inc. UT 79,564 7,581 $1B-$10B 101,550 7,682 21,986 101 Associated Banc-Corp WI 78,520 2,356 $10B-$50B 680,198 3,945 601,678 1,589 Capital One Financial Corporation VA 76,748 16,099 >$50B 76,868 16,100 120 1 Citigroup Inc. NY 72,870 12,890 >$50B 72,870 12,890 - - Johnson Financial Group Inc WI 43,204 838 $1B-$10B 519,150 2,072 475,946 1,234 CIT Group Inc. NY 41,381 1,944 . 42,342 1,948 961 4 River Valley Bancorporation WI 38,073 992 <$1B 225,367 1,580 187,294 588 Advanta Bank Corp UT 36,196 5,442 $1B-$10B 36,196 5,442 - - Bank of America Corporation NC 35,910 6,818 >$50B 54,110 6,856 18,200 38 4B. Top Micro Business Lenders by State and Territory Using CRA Data, 2008

Small Business Lending Micro Business Lending (<$100k) Small Business Lending (<$100k) ($100k-<$1M)

Physical Institution LSBL$(2) Name of Lending Institution State SSBL$ (1,000) SSBL# Asset Size LSBL$ (1,000) LSBL# (1,000) LSBL(2)# Alaska (1) (2) (3) (4) (5) (6) (7)

Neb Corporation WI 29,616 824 $1B-$10B 133,715 1,159 104,099 335 Harris N.A. IL 27,936 730 $10B-$50B 141,621 1,070 113,685 340 Waupaca Bancorporation Inc. WI 26,283 1,007 <$1B 106,235 1,268 79,952 261 First Banking Center Inc. WI 20,485 551 <$1B 157,003 984 136,518 433 Citizens Republic Bancorp MI 18,848 478 $10B-$50B 97,694 730 78,846 252 Baylake Corp. WI 17,798 393 $1B-$10B 162,242 819 144,444 426 Discover Bank DE 16,496 2,057 $10B-$50B 16,496 2,057 - - Oconomowoc Bancshares Inc. WI 14,563 326 <$1B 122,595 644 108,032 318 Amcore Financial Inc. IL 12,573 294 $1B-$10B 101,982 519 89,409 225 Community Banc-Corp of Shebo WI 12,387 273 <$1B 96,892 511 84,505 238 Otto Bremer Foundation MN 11,610 289 $1B-$10B 53,475 428 41,865 139 Anchorbank FSB WI 11,165 265 $1B-$10B 82,193 469 71,028 204 Wintrust Financial Corporation IL 10,269 206 $1B-$10B 90,996 406 80,727 200 West Virginia JPMorgan Chase & Co. NY 57,387 7,316 >$50B 97,784 7,424 40,397 108 BB&T Corporation NC 52,134 1,282 >$50B 281,404 1,924 229,270 642 United Bankshares Inc. WV 44,910 1,113 $1B-$10B 199,762 1,580 154,852 467 American Express Bank FSB UT 37,048 5,743 $10B-$50B 39,915 5,757 2,867 14 GE Capital Financial Inc. UT 27,681 4,302 $1B-$10B 42,469 4,380 14,788 78 Huntington Bancshares Incorp. OH 23,231 695 >$50B 77,556 846 54,325 151 Wells Fargo & Company CA 21,587 756 >$50B 26,865 778 5,278 22 First Community Bancshares VA 17,176 520 $1B-$10B 54,550 664 37,374 144 Wesbanco Inc. WV 14,261 466 $1B-$10B 57,352 617 43,091 151 Capital One Financial Corporation VA 13,441 3,322 >$50B 13,895 3,323 454 1 CIT Group Inc. NY 13,079 637 . 13,079 637 - - Citigroup Inc. NY 12,939 2,470 >$50B 12,939 2,470 - - City Holding Company WV 10,566 241 $1B-$10B 55,792 371 45,226 130 Wyoming Wells Fargo & Company CA 64,404 2,522 >$50B 117,725 2,679 53,321 157 First Interstate BancSystem MT 40,886 1,426 $1B-$10B 134,102 1,742 93,216 316 American Express Bank FSB UT 27,522 4,033 $10B-$50B 28,686 4,040 1,164 7 JPMorgan Chase & Co. NY 25,401 3,122 >$50B 25,735 3,124 334 2 Midland Financial Corporation WY 15,204 402 <$1B 47,056 530 31,852 128 GE Capital Financial Inc. UT 13,266 1,068 $1B-$10B 15,524 1,082 2,258 14 Note: Small busnesses seeking loans should also consider banks that participate in SBA loan programs. To locate an SBA lender near you, call 1-800-U-ASK-SBA (1-800-827-5722) or TTY: (704) 344- 6640 or visit SBA's website at: http://www.sba.gov/localresources/index.html Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivenstment Act reports. Table 5. Number of Reporting Institutions by Asset Size and by Territory, June 2007 - June 2009 2009 Lending Institution by Asset Size Class State 2006 2007 2008 2009 <$100M $100M–$500M $500M–$1B $1B–$10B $10B–$50B >$50B National 8,709 8,633 8,465 8,210 3,058 3,729 723 585 78 37

Alabama 161 161 161 156 51 79 16 7 1 2 Alaska 7 9 9 9 2 4 1 1 1 0 American Samoa 1 1 1 1 0 1 0 0 0 0 Arizona 53 54 57 57 24 27 4 2 0 0 Arkansas 159 154 149 138 41 76 11 9 1 0 California 295 312 319 313 63 156 33 51 8 2 Colorado 170 165 156 148 52 74 10 12 0 0 Connecticut 57 57 57 56 9 22 14 9 2 0 Delaware 35 43 40 39 11 10 4 7 3 4 District of Columbia 7 7 7 8 0 6 0 0 2 0 Florida 305 312 313 302 71 171 35 25 0 0 Georgia 353 355 355 325 90 191 25 18 0 1 Guam 3 3 3 3 1 1 0 1 0 0 Hawaii 9 9 9 9 1 1 2 3 2 0 Idaho 17 19 20 17 4 7 4 2 0 0 Illinois 704 687 665 652 291 268 46 43 4 0 Indiana 184 169 163 159 45 86 10 18 0 0 Iowa 404 398 384 378 194 162 14 8 0 0 Kansas 365 358 352 343 223 95 18 7 0 0 Kentucky 223 219 205 200 68 112 11 9 0 0 Louisiana 166 167 162 159 46 93 15 4 1 0 Maine 37 35 33 30 7 8 10 4 1 0 Maryland 112 106 99 93 21 55 11 6 0 0 Massachusetts 127 132 127 121 18 52 26 24 0 1 Michigan 173 170 163 151 47 81 11 9 2 1 Minnesota 455 449 440 428 253 154 16 5 0 0 Mississippi 98 97 97 94 25 51 10 7 1 0 Missouri 373 366 359 351 163 143 25 18 2 0 Montana 82 78 78 76 48 21 4 3 0 0 Nebraska 257 251 245 240 158 71 5 6 0 0 Nevada 38 42 44 39 12 12 4 8 1 2 New Hampshire 26 25 26 24 3 14 7 0 0 0 New Jersey 134 129 126 124 15 64 23 19 2 1 New Mexico 54 53 54 54 14 30 5 5 0 0 New York 203 209 203 205 36 87 34 38 7 3 North Carolina 109 110 111 107 24 44 18 16 2 3 North Dakota 98 97 96 94 58 25 7 4 0 0 Ohio 278 275 265 253 99 115 16 14 3 6 Oklahoma 271 262 259 254 128 108 8 8 2 0 Oregon 39 41 41 39 10 20 2 6 1 0 Pennsylvania 255 251 247 231 51 106 40 30 2 2 Puerto Rico 10 10 10 10 0 0 0 7 3 0 Rhode Island 13 14 14 13 3 4 1 3 1 1 South Carolina 98 94 92 90 23 45 16 5 1 0 South Dakota 91 89 90 88 51 21 8 5 1 2 Tennessee 204 204 200 197 44 121 22 9 1 0 Texas 654 655 651 642 263 298 39 36 5 1 Utah 70 69 70 65 16 23 8 7 9 2 Vermont 19 18 15 14 1 10 2 1 0 0 Virgin Islands 2 3 2 2 1 1 0 0 0 0 Virginia 139 121 119 122 22 58 19 18 3 2 Washington 96 99 97 96 22 39 20 13 2 0 West Virginia 70 71 69 67 17 44 1 5 0 0 Wisconsin 302 305 293 285 103 140 30 10 1 1 Wyoming 44 44 43 39 15 22 2 0 0 0 Source: U.S Small Business Administration, Office of Advocacy, Office of Economic Research, from the Federal Reserve Board's Consolidated Reports of Condition & Income for U.S. Banks.