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					Table 1 Changes in All Small Loans, 2003 to 2010 for Depository Lenders by Lender Size (Total Assets)

                                                                                                                           Change 09 - 10
              Loan size                    2003      2004      2005       2006        2007      2008    2009     2010     Difference    %
                                                                 (billions of dollars, nominal)
All Small Loans, All Lenders              549.3     577.4     601.6       634.2      686.8      711.5   695.2    652.3        -43.0    -6.2
 Less than $100 million                    33.8      32.1       30.9       29.8        27.3      25.3    23.7     21.8         -1.8    -7.7
 $100 million to $499.9 million           122.1     127.2     129.9       130.9      129.1      130.7   129.9    124.7         -5.2    -4.0
 $500 million to $999.9 million            49.8      49.5       54.7       59.7        62.0      66.6    64.9     63.1         -1.8    -2.8
 $1 billion to $9.9 billion               101.9     110.3     120.4       128.7      135.9      145.0   137.1    126.8        -10.3    -7.5
 $10 billion to $49.9 billion              84.3      93.6       70.4       75.6        89.3      63.9    69.2     63.5         -5.7    -8.3
 $50 billion or more                      157.5     164.7     195.2       209.6      243.2      280.1   270.5    252.4        -18.2    -6.7

All CRE Loans, $100,000 or less            32.2      30.3      29.9       28.7       28.4       28.5     26.4     22.2         -4.3   -16.1
 Less than $100 million                     5.4       4.9       4.6        4.2        3.7        3.5      3.2      2.9         -0.3   -10.3
 $100 million to $499.9 million            11.3      11.1      10.5       10.2        9.3        9.2      8.5      7.9         -0.6    -6.8
 $500 million to $999.9 million             3.4       2.9       2.8        3.1        2.8        2.7      2.6      2.5         -0.1    -3.2
 $1 billion to $9.9 billion                 4.5       4.7       5.2        4.7        4.6        4.8      4.9      4.0         -0.9   -18.1
 $10 billion to $49.9 billion               3.4       2.7       1.8        1.7        2.7        2.6      1.3      1.3         -0.1    -4.4
 $50 billion or more                        4.2       4.2       4.9        4.8        5.4        5.6      6.0      3.7         -2.3   -38.5

All CRE Loans, $100,000 to $250,000        58.1      61.3      62.4       65.0       68.8       68.6     67.1     59.6         -7.5 -11.2
 Less than $100 million                     3.5       3.5       3.4        3.2        2.9        2.6      2.6      2.4         -0.2 -7.1
 $100 million to $499.9 million            15.5      16.5      16.7       16.6       16.1       15.9     15.6     15.2         -0.4 -2.4
 $500 million to $999.9 million             6.2       6.2       6.8        7.2        7.3        7.8      7.7      7.4         -0.3 -4.4
 $1 billion to $9.9 billion                12.0      12.5      13.0       13.7       14.1       14.7     14.6     14.0         -0.6 -4.4
 $10 billion to $49.9 billion               7.8       8.9       6.3        6.5        7.0        5.4      5.5      5.5          0.0 -0.7
 $50 billion or more                       13.1      13.7      16.2       17.7       21.3       22.2     21.1     15.2         -5.9 -28.1

All CRE Loans, $250,000 to $1 million     190.9     209.5     222.9      244.2      262.8      277.9    278.4    260.5        -17.9 -6.4
 Less than $100 million                     8.6       8.7       8.6        8.6        7.9        7.5      7.7      7.2         -0.5 -6.0
 $100 million to $499.9 million            46.7      49.6      52.5       54.1       53.5       54.8     57.1     56.6         -0.5 -0.8
 $500 million to $999.9 million            20.4      21.2      24.4       26.7       28.4       30.7     30.7     30.4         -0.4 -1.2
 $1 billion to $9.9 billion                39.8      45.1      50.6       55.7       57.9       63.8     63.7     61.2         -2.6 -4.1
 $10 billion to $49.9 billion              28.8      33.1      25.1       28.6       32.0       26.6     27.5     26.9         -0.5 -2.0
 $50 billion or more                       46.6      51.8      61.7       70.5       83.1       94.5     91.8     78.3        -13.5 -14.7

All C&I Loans, $100,000 or less           104.4     104.4     108.3      117.0      131.2      141.7    134.5    137.2          2.7   2.0
 Less than $100 million                     8.7       7.7       7.2        6.6        6.0        5.3      4.5      4.1         -0.4 -8.3
 $100 million to $499.9 million            18.2      17.7      17.2       16.4       15.8       15.5     14.4     12.8         -1.6 -10.9
 $500 million to $999.9 million             6.4       5.9       6.4        7.1        6.9        7.1      6.7      6.7         -0.1 -1.3
 $1 billion to $9.9 billion                14.2      13.9      14.9       16.1       17.3       17.4     12.8     11.2         -1.6 -12.4
 $10 billion to $49.9 billion              18.0      19.1      13.8       15.1       20.8        7.5     11.5      7.8         -3.7 -32.5
 $50 billion or more                       38.8      40.1      48.9       55.6       64.5       88.9     84.5     94.5         10.1 11.9

All C&I Loans, $100,000 to $250,000        51.2      53.0      54.5       54.7       57.5       57.3     55.1     51.1         -3.9 -7.1
 Less than $100 million                     2.9       2.8       2.7        2.6        2.4        2.2      2.0      1.8         -0.2 -8.7
 $100 million to $499.9 million            10.6      11.2      11.3       11.1       11.3       11.2     10.9     10.3         -0.6 -5.4
 $500 million to $999.9 million             4.4       4.3       4.6        4.9        5.2        5.6      5.4      5.1         -0.3 -5.9
 $1 billion to $9.9 billion                 9.7      10.4      10.9       11.7       12.6       12.9     11.9     10.5         -1.4 -11.6
 $10 billion to $49.9 billion               7.9       8.6       6.5        6.6        7.3        5.5      6.0      6.2          0.2   3.4
 $50 billion or more                       15.6      15.6      18.7       17.8       18.8       19.8     19.0     17.4         -1.7 -8.8

All C&I Loans, $250,000 to $1 million     112.6     118.9     123.6      124.7      138.0      137.4    133.7    121.6        -12.0 -9.0
 Less than $100 million                     4.6       4.6       4.5        4.6        4.4        4.2      3.7      3.4         -0.3 -8.2
 $100 million to $499.9 million            19.8      21.2      21.8       22.4       23.1       24.0     23.5     21.9         -1.6 -6.8
 $500 million to $999.9 million             8.9       8.9       9.8       10.7       11.5       12.6     11.8     11.2         -0.6 -5.2
 $1 billion to $9.9 billion                21.7      23.7      25.8       26.8       29.4       31.6     29.2     26.0         -3.2 -11.0
 $10 billion to $49.9 billion              18.4      21.3      17.0       17.0       19.5       16.3     17.5     15.9         -1.5 -8.8
 $50 billion or more                       39.2      39.3      44.8       43.2       50.1       48.9     48.1     43.3         -4.8 -9.9




                                           2003      2004      2005      2006       2007       2008      2009     2010
All CRE Loans, $100,000 or less            32.2      30.3       29.9      28.7       28.4       28.5      26.4     22.2
All CRE Loans, $100,000 to $250,000        58.1      61.3       62.4      65.0       68.8       68.6      67.1     59.6
All CRE Loans, $250,000 to $1 million     190.9     209.5     222.9      244.2      262.8      277.9    278.4    260.5
All C&I Loans, $100,000 or less           104.4     104.4     108.3      117.0      131.2      141.7    134.5    137.2
All C&I Loans, $100,000 to $250,000        51.2      53.0       54.5      54.7       57.5       57.3      55.1     51.1
All C&I Loans, $250,000 to $1 million     112.6     118.9     123.6      124.7      138.0      137.4    133.7    121.6

                                           549.3    577.4     601.6      634.2      686.8      711.5    695.2    652.3

Table m.2 Percentage of Small Business Loans Held by Depository Lenders by Loan Type

                                           2003      2004      2005      2006       2007       2008     2009     2010
All CRE Loans, $100,000 or less              5.9       5.3       5.0       4.5        4.1        4.0      3.8      3.4
All CRE Loans, $100,000 to $250,000        10.6      10.6       10.4      10.2       10.0        9.6      9.7      9.1
All CRE Loans, $250,000 to $1 million      34.8      36.3       37.0      38.5       38.3       39.1     40.1     39.9
All C&I Loans, $100,000 or less            19.0      18.1       18.0      18.4       19.1       19.9     19.3     21.0
All C&I Loans, $100,000 to $250,000          9.3       9.2       9.1       8.6        8.4        8.1      7.9      7.8
All C&I Loans, $250,000 to $1 million      20.5      20.6       20.5      19.7       20.1       19.3     19.2     18.6

                                           100.0    100.0     100.0      100.0      100.0      100.0    100.0    100.0
Table 6 Share of Small Business Loan Market by Loan Type and Lender Size


                                                                                                                         Share of Total Small Business Loans by Lender Size, 2003
                 Loan size                      2003          2004           2005   2006   2007   2008   2009   2010

All Small Loans, All Lenders                                                                                                            6%
                                                                                                                         29%
 Less than $100 million                          6.2           5.6            5.1    4.7    4.0    3.6    3.4    3.3                                  22%                    Less than $100 million
 $100 million to $499.9 million                 22.2          22.0           21.6   20.6   18.8   18.4   18.7   19.1                                                         $100 million to $499.9 million
 $500 million to $999.9 million                  9.1           8.6            9.1    9.4    9.0    9.4    9.3    9.7                                                         $500 million to $999.9 million
 $1 billion to $9.9 billion                     18.5          19.1           20.0   20.3   19.8   20.4   19.7   19.4                                        9%
                                                                                                                       15%                                                   $1 billion to $9.9 billion
 $10 billion to $49.9 billion                   15.4          16.2           11.7   11.9   13.0    9.0   10.0    9.7
                                                                                                                                                                             $10 billion to $49.9 billion
 $50 billion or more                            28.7          28.5           32.4   33.1   35.4   39.4   38.9   38.7                      19%
                                                                                                                                                                             $50 billion or more

All CRE Loans, $100,000 or less
 Less than $100 million                         16.9          16.0           15.5   14.5   12.9   12.4   12.1   12.9
 $100 million to $499.9 million                 35.0          36.5           35.0   35.5   32.7   32.4   32.0   35.6
 $500 million to $999.9 million                 10.7           9.5            9.2   10.8    9.7    9.6    9.7   11.2
 $1 billion to $9.9 billion                     13.8          15.5           17.5   16.4   16.4   16.7   18.4   17.9     Share of Total Small Business Loans by Lender Size, 2010
 $10 billion to $49.9 billion                   10.5           8.8            6.2    6.1    9.4    9.2    5.0    5.6
 $50 billion or more                            13.1          13.7           16.5   16.8   19.0   19.8   22.8   16.7                    3%

All CRE Loans, $100,000 to $250,000                                                                                                              19%
                                                                                                                       39%                                                   Less than $100 million
 Less than $100 million                          6.0           5.7            5.4    4.9    4.2    3.8    3.8    4.0                                                         $100 million to $499.9 million
 $100 million to $499.9 million                 26.7          26.9           26.8   25.6   23.5   23.2   23.2   25.5                                        10%
                                                                                                                                                                             $500 million to $999.9 million
 $500 million to $999.9 million                 10.7          10.1           10.9   11.0   10.6   11.3   11.5   12.3
                                                                                                                                                                             $1 billion to $9.9 billion
 $1 billion to $9.9 billion                     20.6          20.4           20.9   21.1   20.5   21.4   21.8   23.4
 $10 billion to $49.9 billion                   13.5          14.6           10.0   10.1   10.2    7.9    8.2    9.2           10%              19%                          $10 billion to $49.9 billion

 $50 billion or more                            22.5          22.3           26.0   27.3   31.0   32.4   31.5   25.5                                                         $50 billion or more


All CRE Loans, $250,000 to $1 million
 Less than $100 million                          4.5           4.1            3.9    3.5    3.0    2.7    2.8    2.8
 $100 million to $499.9 million                 24.4          23.7           23.6   22.1   20.3   19.7   20.5   21.7
 $500 million to $999.9 million                 10.7          10.1           11.0   10.9   10.8   11.1   11.0   11.7
 $1 billion to $9.9 billion                     20.8          21.5           22.7   22.8   22.0   22.9   22.9   23.5
 $10 billion to $49.9 billion                   15.1          15.8           11.2   11.7   12.2    9.6    9.9   10.3
 $50 billion or more                            24.4          24.7           27.7   28.9   31.6   34.0   33.0   30.0

All C&I Loans, $100,000 or less
 Less than $100 million                          8.4           7.3            6.6    5.7    4.6    3.7    3.3    3.0
 $100 million to $499.9 million                 17.4          17.0           15.9   14.1   12.0   11.0   10.7    9.3
 $500 million to $999.9 million                  6.2           5.7            5.9    6.1    5.2    5.0    5.0    4.9
 $1 billion to $9.9 billion                     13.6          13.3           13.8   13.7   13.2   12.3    9.5    8.2
 $10 billion to $49.9 billion                   17.3          18.3           12.8   12.9   15.8    5.3    8.6    5.7
 $50 billion or more                            37.2          38.4           45.1   47.5   49.1   62.8   62.8   68.9

All C&I Loans, $100,000 to $250,000
 Less than $100 million                          5.7           5.3            4.9    4.8    4.2    3.8    3.6    3.5
 $100 million to $499.9 million                 20.8          21.1           20.6   20.4   19.6   19.6   19.7   20.1
 $500 million to $999.9 million                  8.6           8.1            8.4    9.0    9.0    9.8    9.8    9.9
 $1 billion to $9.9 billion                     19.0          19.7           19.9   21.3   21.9   22.5   21.5   20.5
 $10 billion to $49.9 billion                   15.4          16.2           11.8   12.0   12.6    9.6   10.8   12.0
 $50 billion or more                            30.5          29.5           34.2   32.6   32.7   34.6   34.6   33.9

All C&I Loans, $250,000 to $1 million
 Less than $100 million                          4.1           3.9            3.6    3.7    3.2    3.0    2.8    2.8
 $100 million to $499.9 million                 17.6          17.8           17.6   18.0   16.8   17.4   17.6   18.0
 $500 million to $999.9 million                  7.9           7.5            7.9    8.6    8.3    9.2    8.8    9.2
 $1 billion to $9.9 billion                     19.3          19.9           20.9   21.5   21.3   23.0   21.8   21.3
 $10 billion to $49.9 billion                   16.3          17.9           13.7   13.7   14.2   11.8   13.1   13.1
 $50 billion or more                            34.8          33.1           36.2   34.7   36.3   35.6   36.0   35.6

45.0
40.0                                                   Less than $100 million

35.0
                                                    $100 million to $499.9
30.0                                               million

25.0                                                $500 million to $999.9
                                                   million
20.0
                                                       $1 billion to $9.9 billion
15.0
10.0                                                 $10 billion to $49.9
                                                   billion
 5.0                                                   $50 billion or more
 0.0
       1    2    3    4      5    6     7   8
Table 1.1 Changes in All Small Loans, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                        Change 09 - 10
                   Loan size                            2003         2004          2005         2006           2007       2008      2009      2010    Difference Percent
                                                                                       (millions of dollars, nominal)
All Small Loans, All Lenders                         549,350      577,414       601,578      634,246        686,829     711,483   695,246   652,287     -42,959     -6.2

 Less than $100 million                               33,801        32,138       30,915       29,771           27,320    25,287    23,660    21,836      -1,823     -7.7
 $100 million to $499.9 million                      122,097       127,204      129,906      130,885          129,091   130,687   129,895   124,723      -5,172     -4.0
 $500 million to $999.9 million                       49,771        49,481       54,726       59,659           61,998    66,552    64,913    63,103      -1,810     -2.8
 $1 billion to $9.9 billion                          101,852       110,274      120,424      128,653          135,907   145,038   137,053   126,783     -10,270     -7.5
 $10 billion to $49.9 billion                         84,342        93,643       70,445       75,642           89,329    63,862    69,215    63,490      -5,725     -8.3
 $50 billion or more                                 157,487       164,675      195,162      209,636          243,184   280,057   270,509   252,352     -18,157     -6.7

    Lenders with Assets Exceeding $10 billion
Wells Fargo & Company                                 18,856        24,563       19,189        22,309          24,871    27,227    43,282    38,754      -4,528    -10.5
Bank of America Corporation                           13,153        18,448       20,438        26,855          42,734    45,148    46,884    34,962     -11,921    -25.4
JPMorgan Chase & Co.                                   5,481         5,795       17,311        17,727          21,843    25,740    26,359    25,119      -1,240     -4.7
American Express Company                               5,038         5,986        6,632         7,325          10,960    11,027    14,163    13,638        -525     -3.7
U.S. Bancorp                                          12,028        11,633       12,565        12,231          12,243    12,762    12,889    13,369         480      3.7
BB&T Corporation                                       9,306         9,985        9,898         8,231           8,911     9,776    11,497    11,748         251      2.2
Capital One Financial Corporation                      1,226         1,647        4,432         4,778           9,979    12,628    11,828    11,343        -485     -4.1
Ally Financial Inc.                                                                   0             0              35     2,464     1,457    11,165       9,708    666.4
PNC Financial Services Group Inc.                      2,157         2,522        2,906         3,228           5,972     6,280    12,784    10,628      -2,156    -16.9
Regions Financial Corporation                          6,324         6,579       10,352        10,057          13,436    11,212     9,868     8,650      -1,217    -12.3
Citigroup Inc.                                        14,298        12,893       11,010        13,053          12,907    13,151    10,054     8,501      -1,553    -15.4
SunTrust Banks Inc.                                    6,696         6,759        8,760         5,898           9,219     9,489     8,840     7,938        -902    -10.2
Zions Bancorporation                                   3,869         4,145        4,386         5,433           6,223     7,141     7,168     6,750        -417     -5.8
Fifth Third Bancorp                                    6,778         7,520        8,774         8,333           7,267     7,323     6,410     5,222      -1,187    -18.5
Manufacturers & Traders TC                             4,482         4,648        5,610         5,337           5,899     5,668     5,915     4,940        -974    -16.5
T D BK NA                                                  2             2        2,470         3,005           3,351     5,521     5,313     4,926        -387     -7.3
Synovus Financial Corp.                                4,127         4,673        4,759         4,687           4,618     4,884     4,235     4,694         459     10.8
Compass Bk                                               253           158          858           904           2,183     4,802     4,576     4,259        -317     -6.9
UK Finacial Investments, LTD (RBS Citizens Na)         3,067         3,202        4,367         4,895           5,033     5,693     4,594     3,993        -601    -13.1
Marshall & Ilsley Corporation                          3,054         3,082        3,271         4,022           4,262     4,567     4,482     3,958        -524    -11.7
Banco Santander Pr                                       713           773          825         5,094           5,844     5,348     4,532     3,839        -694    -15.3
Huntington Bancshares Incorporated                     2,439         2,375        2,351         2,585           2,573     4,642     4,267     3,771        -496    -11.6
Keycorp                                                5,043         4,654        4,444         4,510           5,429     5,179     4,364     3,723        -640    -14.7
First Citizens Bancshares Inc.                         2,231         2,580        2,931         3,163           3,322     3,517     3,510     3,689         178      5.1
Bank of the West                                       1,797         1,832        2,817         3,271           3,320     3,665     3,662     3,645         -17     -0.5
Popular Inc.                                           1,417         1,468        3,502         3,407           3,610     3,530     3,305     3,211         -94     -2.8
Comerica Incorporated                                  4,295         4,044        3,941         3,963           3,611     3,571     3,198     2,860        -339    -10.6
Wintrust Financial Corporation                           723           924        1,285         1,675           2,016     2,108     2,408     2,741         333     13.8
People's United Bank                                     568           616        1,088           733             783     2,212     2,380     2,618         238     10.0
Table 1.1 Changes in All Small Loans, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                  Change 09 - 10
                   Loan size                            2003         2004          2005         2006            2007    2008    2009    2010    Difference Percent
                                                                                       (millions of dollars, nominal)
Fulton Financial Corporation                           1,266         1,662        1,808        2,117           2,543    2,536   2,275   2,243         -33     -1.4
RBC Bk USA                                             1,566         1,627        1,585        1,510           1,849    2,099   2,184   2,219          35      1.6
East West Bancorp Inc.                                   382           607          880        1,126           1,165    1,447   1,322   1,951         629     47.6
Union Bk NA                                            1,734         1,781        2,192        1,893           1,840    1,784   1,720   1,928         207     12.0
Harris NA                                              1,053         1,165        1,273        1,311           1,435    1,882   1,667   1,824         156      9.4
Bancorpsouth Inc.                                      1,560         1,544        1,636        1,680           1,813    1,820   1,837   1,805         -31     -1.7
First Niagara Financial Group Inc.                       256           320          518           659            662      771     723   1,768       1,045    144.6
South Financial Group Inc.                             1,234         1,559        2,119        2,288           2,326    2,203   1,824   1,559        -266    -14.6
Cullen/Frost Bankers Inc.                              1,185         1,203        1,225        1,334           1,649    1,654   1,636   1,542         -93     -5.7
UBS Bk USA                                                           2,017          961           978          1,050    1,338   1,308   1,495         187     14.3
First Horizon National Corporation                     1,489         1,551        1,904        2,127           2,162    1,927   1,679   1,472        -207    -12.3
Webster Financial Corporation                          1,142         1,311        1,590        1,703           2,270    1,800   1,733   1,437        -295    -17.0
Umpqua Holdings Corporation                              587           615          903        1,146           1,340    1,311   1,311   1,365          53      4.1
TCF Financial Corporation                                293           298          312           687            764      865   1,067   1,357         289     27.1
HSBC Bk USA NA                                         1,993         1,546        1,515        1,559           1,416    1,286   1,046   1,344         297     28.4
Associated Banc-Corp                                   1,784         1,737        1,949        2,083           1,947    1,630   1,551   1,343        -208    -13.4
Lauritzen Corporation                                  1,107         1,189        1,247        1,338           1,427    1,432   1,269   1,284          16      1.2
Whitney Holding Corporation                              975         1,013        1,180        1,135           1,169    1,208   1,296   1,258         -38     -2.9
Firstmerit Corporation                                 1,287         1,174          817        1,039           1,013    1,070   1,061   1,236         174     16.4
Arvest Bank Group Inc.                                   820           932          980        1,029           1,050    1,170   1,159   1,183          24      2.0
Citizens Republic Bancorp Inc.                         1,467         1,327        1,108        1,118           1,596    1,742   1,320   1,153        -167    -12.6
Commerce Bancshares Inc.                                 919           899          883           922          1,095    1,150   1,096   1,138          42      3.8
GE Money Bank                                              0             0          275           329          1,502       15      55   1,126       1,070   1929.0
Susquehanna Bancshares Inc.                              523           690          698           841            819    1,417   1,187   1,084        -104     -8.7
BOK Financial Corporation                              1,016         1,150        1,212        1,316           1,546    1,536   1,231   1,068        -162    -13.2
Valley National Bancorp                                  743           757          935           916            944      971   1,732   1,063        -668    -38.6
Privatebancorp Inc.                                      367           217          337           362            406      539     963     926         -37     -3.9
MB Financial Inc                                         730           876          744           590            778      495     577     809         232     40.3
Northern Trust Corporation                               754           779          792           912            638      641     508     803         295     58.0
Wilmington Trust Corporation                             747           779          791           798            883      912   1,049     763        -286    -27.3
Cathay General Bancorp                                   346           558          575           742            768      811     750     728         -21     -2.8
Signature Bank                                           151           189          250           301            345      391     588     693         105     17.9
Rabobank NA                                              173           175           91           440            295      832     676     671          -6     -0.8
Everbank                                                  63            63           67           194            115       93     119     647         528    443.9
UMB Financial Corporation                                398           397          435           486            545      565     612     638          26      4.2
First Bancorp                                            259           393          492           344            409      593     717     609        -107    -15.0
City National Corporation                                782           660          676           590            619      646     630     605         -25     -4.0
Iberiabank Corporation                                   180           168          211           215            353      378     372     574         203     54.6
Table 1.1 Changes in All Small Loans, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                               Change 09 - 10
                   Loan size                            2003         2004          2005         2006           2007     2008   2009   2010   Difference Percent
                                                                                       (millions of dollars, nominal)
New York Community Bancorp Inc.                          158           323          203           438           474      549    467    549          82     17.6
International Bancshares Corporation                     546           746          726           743           702      665    502    502           0      0.0
Firstbank Holding Company                                146           154          190           255           336      385    403    406           3      0.7
SVB Financial Group                                      357           287          348           378           406      675    406    334         -72    -17.7
Discover Financial Services                                0             0            0             0             0        0    451    334        -117    -25.9
State Farm Bank FSB                                        0            16           61           125           869      296    277    300          23      8.4
BankUnited                                                                                                                       54    282         229    427.6
Bank of Hawaii Corporation                               301           316          284           504           516      517    304    272         -31    -10.3
Midfirst Bank                                            111           104          112           201           190      224    234    230          -4     -1.7
Astoria Federal Savings And Loan Association             240           261          291           303           290      268    241    223         -17     -7.1
Flagstar Bank, FSB                                        74            89          103           170           158      165    232    177         -55    -23.8
New York Private Bank & Trust Corporation                 56            92          160           219           189      191    180    166         -15     -8.1
Barclays Bk DE                                             0             0            0             0             0      107    222    165         -57    -25.6
Onewest Bank, FSB                                                                                                                 0    156         156      0.0
Morgan Stanley                                              3            3            0             1             0       52      9    134         125   1430.9
Washington Federal Savings And Loan Association             9            8            5             4            92      169    173    132         -41    -23.7
Hudson City Savings Bank                                                 1            0             0            67       71     64     57          -7    -11.1
Bank Of New York Mellon Corporation                    1,191         1,080          973           835            13      227    230     46        -184    -79.9
Metlife Inc.                                               2             1            0             0             4        2      1      2           1     64.2
Deutsche Bk TC Americas                                    0             5            4             4             4        5      1      2           1    100.0
Goldman Sachs Group Inc.                                                                                                          2      2           0      0.0
State Street Corporation                                    8            0            0             0             1        1      1      2           1     70.1
USAA Federal Savings Bank                                   2            1            1             1             1        1      1      1           0    -10.4
Third Federal S&L Association Of Cleveland                  3            3            0             0             0        0      0      0           0    -70.0
USAA Savings Bank                                           0            0            0             0             0        0      0      0           0      0.0
Charles Schwab Bank                                         0            0            0             0             0        0      0      0           0      0.0
E*Trade Bank                                                1            0            0             0             0        0      0      0           0      0.0
ING Bank, FSB                                                                                                              0      0      0           0      0.0
Table 1.2 Changes in Commercial Real Estate Loans $100,000 or less, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                             Change 09 - 10
                   Loan size                            2003         2004          2005          2006          2007        2008         2009       2010    Difference Percent
                                                                                       (millions of dollars, nominal)
All CRE Loans, $100,000 or less                     32,226.7      30,331.1     29,856.2      28,718.5      28,416.0     28,484.1     26,429.2   22,179.1      -4,250    -16.1

 Less than $100 million                              5,432.8       4,865.2      4,637.2       4,166.9       3,658.0      3,526.8      3,185.7    2,858.0        -328    -10.3
 $100 million to $499.9 million                     11,285.5      11,066.9     10,457.4      10,201.1       9,278.3      9,223.4      8,468.0    7,889.5        -579     -6.8
 $500 million to $999.9 million                      3,444.3       2,887.4      2,761.4       3,092.3       2,766.3      2,727.3      2,574.8    2,491.9         -83     -3.2
 $1 billion to $9.9 billion                          4,453.2       4,686.4      5,225.5       4,701.0       4,646.5      4,752.8      4,855.4    3,975.6        -880    -18.1
 $10 billion to $49.9 billion                        3,379.2       2,672.4      1,847.3       1,741.5       2,680.8      2,621.0      1,310.0    1,252.3         -58     -4.4
 $50 billion or more                                 4,231.6       4,152.8      4,927.5       4,815.7       5,386.1      5,632.8      6,035.3    3,711.8      -2,323    -38.5

    Lenders with Assets Exceeding $10 billion
Bank of America Corporation                              485           505          698           913         1,699       1,699         2,495       734       -1,761    -70.6
Regions Financial Corporation                            309           286          380           328           499         652           543       465          -77    -14.3
Wells Fargo & Company                                    372           443          365           401           431         241           529       439          -90    -17.1
PNC Financial Services Group Inc.                         85            93          100           105           138         181           345       308          -36    -10.5
BB&T Corporation                                         959         1,073          996           415           440         361           400       308          -92    -23.0
U.S. Bancorp                                             347           340          358           245           257         225           206       200           -6     -2.7
Huntington Bancshares Incorporated                        91            89           90            99            95         193           178       159          -19    -10.8
SunTrust Banks Inc.                                      231           206          246           185           204         190           175       154          -21    -12.0
JPMorgan Chase & Co.                                      12             7          220           190           174         156           144       125          -19    -13.2
Popular Inc.                                               7             7           21            61            60          56            50       119           70    140.1
Fifth Third Bancorp                                      136           122          121           234           180         176           144       119          -24    -17.0
First Citizens Bancshares Inc.                           139           126          136           130           115         116           103       105            2      2.4
T D BK NA                                                  0             0           81            69            61         129           122        96          -26    -21.7
Compass Bk                                                14            12           47            46            73          23           115        94          -22    -18.7
Marshall & Ilsley Corporation                            109           107          101           117            99          95            96        84          -12    -12.2
Bancorpsouth Inc.                                        139           132          124           118           104          94            87        80           -6     -7.4
Bank of the West                                          15            13           59            69            55          55            49        80           31     63.5
Synovus Financial Corp.                                  232           230          216           182           145         127           118        65          -53    -44.5
Manufacturers & Traders TC                               102            93          140           146           134         137           158        58         -100    -63.6
Arvest Bank Group Inc.                                    60            62           62            61            62          58            56        57            1      1.5
Fulton Financial Corporation                              50            72           77            72            71          58            54        56            1      2.3
RBC Bk USA                                                39            46           33            30            53          46            53        55            2      3.6
First Niagara Financial Group Inc.                         8             9           16            29            14          13            15        54           39    262.2
Zions Bancorporation                                      72            78           69            68            66          66            57        54           -2     -4.4
Wintrust Financial Corporation                             6             6           12            15            10          19            23        53           29    125.9
Banco Santander Pr                                        39            33           45           112            90          77            59        49          -10    -17.4
East West Bancorp Inc.                                     4             3            3             2             2           5             8        47           39    474.6
People's United Bank                                       3             2            2             3             2          52            48        45           -3     -6.3
Keycorp                                                  121           103           92            92            73          63            53        45           -8    -15.6
Table 1.2 Changes in Commercial Real Estate Loans $100,000 or less, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                          Change 09 - 10
                   Loan size                            2003         2004          2005         2006           2007        2008         2009     2010   Difference Percent
                                                                                       (millions of dollars, nominal)
South Financial Group Inc.                                68            87          102           115           114          74             45     44          -1     -2.3
First Horizon National Corporation                        35            28           28            25            23          20             18     37          18    101.2
Harris NA                                                 19            22           23            27            31          69             43     37          -7    -15.8
Citizens Republic Bancorp Inc.                            66            58           88            69           110         135             45     36          -8    -18.8
Associated Banc-Corp                                      81            74           73            74            61          36             40     36          -4    -10.4
Lauritzen Corporation                                     51            54           50            41            48          46             44     36          -9    -19.7
UK Finacial Investments, LTD (RBS Citizens Na)            89            80           87            74            67         141             45     34         -11    -24.4
Commerce Bancshares Inc.                                  42            39           37            34            44          41             39     34          -5    -13.6
Capital One Financial Corporation                         20            87           70            50            63          82             53     34         -19    -36.2
Comerica Incorporated                                     65            63           57            58            47          46             36     32          -5    -12.5
Susquehanna Bancshares Inc.                               22            32           30            30            26          34             32     29          -3     -7.9
HSBC Bk USA NA                                            15            14           15            21            13          11             12     25          13    114.4
Firstmerit Corporation                                    43            39           29            30            28          27             25     24           0     -0.3
Umpqua Holdings Corporation                               30            21           25            27            25          20             20     20           1      4.2
BOK Financial Corporation                                 25            23           21            23            27          25             22     19          -3    -13.1
Whitney Holding Corporation                               22            21           23            19            16          17             20     18          -2    -10.3
International Bancshares Corporation                      32            41           29            26            25          22             17     17           0      0.8
Cullen/Frost Bankers Inc.                                 19            18           16            16            23          20             18     15          -3    -17.8
UMB Financial Corporation                                  9             9            9             9             9           9             11     13           2     20.2
Webster Financial Corporation                             15             9           20            14            13          16             14     12          -1     -9.6
Wilmington Trust Corporation                              15            12           15            12            13          11              9     12           3     33.8
Firstbank Holding Company                                  6             7            7             9            10          10             11     12           0      1.5
State Farm Bank FSB                                        0             2            6            10           812          12             11      9          -2    -16.5
Union Bk NA                                                7            10           12            10             8           6              5      9           3     59.8
Privatebancorp Inc.                                        4             2            3             2             2           3              3      8           5    148.6
Iberiabank Corporation                                    15             8           13            11            12          14             11      8          -3    -31.0
First Bancorp                                              8            22           30             2             3          10              8      7           0     -3.3
Valley National Bancorp                                    7             6            9             8             6           5              8      6          -2    -21.8
Citigroup Inc.                                            27            22           22            18            13           8             13      5          -8    -61.5
Washington Federal Savings And Loan Association            0             0            0             0             5           5              6      4          -2    -33.5
MB Financial Inc                                          20            24           24            21            20           3              2      4           3    150.9
Rabobank NA                                                4             3            5             5            13           7              3      3           0      1.8
Everbank                                                   1             4            4             3             3           4              3      3           0    -15.1
Northern Trust Corporation                                 6             5            4             3             2           2              2      2           0     13.6
BankUnited                                                                                                                                   0      2           2   1666.2
Flagstar Bank, FSB                                          3            2            2             3             2            2             3      2          -1    -32.9
Midfirst Bank                                               8            6            5             3             2            2             2      2           0     17.0
Cathay General Bancorp                                      4            4            2             2             3            2             2      1          -1    -29.1
Table 1.2 Changes in Commercial Real Estate Loans $100,000 or less, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                          Change 09 - 10
                   Loan size                            2003         2004          2005         2006           2007        2008         2009     2010   Difference Percent
                                                                                       (millions of dollars, nominal)
New York Private Bank & Trust Corporation                   1            1            1             1             1            1             1      1           0     -2.0
TCF Financial Corporation                                   4            3            3             3             3            3             1      1           0    -34.0
New York Community Bancorp Inc.                             2            8            1             2             2            2             1      1          -1    -48.8
Astoria Federal Savings And Loan Association                1            1            1             1             1            1             1      1           0     -6.8
City National Corporation                                   2            1            1             0             0            0            15      0         -14    -96.8
Bank of Hawaii Corporation                                  1            0            0             0             0            0             0      0           0    -29.7
Hudson City Savings Bank                                                 0            0             0             0            0             0      0           0     -6.5
Onewest Bank, FSB                                                                                                                            0      0           0      0.0
Barclays Bk DE                                              0            0            0             0             0           0              0      0           0    -44.8
Signature Bank                                              0            1            0             0             0           0              0      0           0     10.1
Ally Financial Inc.                                                                   0             0             0       1,259              0      0           0    -74.4
UBS Bk USA                                                               0            0             0             0           0              0      0           0      0.0
American Express Company                                   0             0            0             0             0           0              0      0           0      0.0
GE Money Bank                                              0             0            0             0             0           0              0      0           0      0.0
SVB Financial Group                                        0             0            0             0             0           0              0      0           0      0.0
Discover Financial Services                                0             0            0             0             0           0              0      0           0      0.0
Morgan Stanley                                             0             0            0             0             0           0              0      0           0      0.0
Bank Of New York Mellon Corporation                       14            11           10             9             0           1              1      0          -1   -100.0
Metlife Inc.                                               0             0            0             0             0           0              0      0           0      0.0
Deutsche Bk TC Americas                                    0             0            0             0             0           0              0      0           0      0.0
Goldman Sachs Group Inc.                                                                                                                     0      0           0      0.0
State Street Corporation                                    0            0            0             0             0            0             0      0           0      0.0
USAA Federal Savings Bank                                   0            0            0             0             0            0             0      0           0      0.0
Third Federal S&L Association Of Cleveland                  0            0            0             0             0            0             0      0           0      0.0
USAA Savings Bank                                           0            0            0             0             0            0             0      0           0      0.0
Charles Schwab Bank                                         0            0            0             0             0            0             0      0           0      0.0
E*Trade Bank                                                1            0            0             0             0            0             0      0           0      0.0
ING Bank, FSB                                                                                                                  0             0      0           0      0.0
Table 1.3 Changes in Commercial Real Estate Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                             Change 09 - 10
                   Loan size                           2,003        2,004        2,005        2,006           2,007     2,008         2,009        2,010   Difference Percent
                                                                                      (millions of dollars, nominal)
All CRE Loans, $100,000 to $250,000                  58,059        61,252       62,417       64,977          68,843    68,640       67,149        59,618      -7,531    -11.2

 Less than $100 million                               3,468         3,495        3,354         3,214         2,912      2,600         2,580        2,397        -183     -7.1
 $100 million to $499.9 million                      15,509        16,486       16,705        16,624        16,150     15,937        15,598       15,227        -371     -2.4
 $500 million to $999.9 million                       6,215         6,206        6,809         7,171         7,311      7,774         7,702        7,361        -341     -4.4
 $1 billion to $9.9 billion                          11,966        12,482       13,042        13,710        14,084     14,691        14,617       13,967        -650     -4.4
 $10 billion to $49.9 billion                         7,827         8,922        6,268         6,536         7,047      5,399         5,514        5,474         -40     -0.7
 $50 billion or more                                 13,075        13,661       16,240        17,722        21,339     22,239        21,138       15,191      -5,947    -28.1

    Lenders with Assets Exceeding $10 billion
Wells Fargo & Company                                  1,430        2,130        1,415         1,474         1,504      1,631         3,183        2,801        -382    -12.0
Bank of America Corporation                            1,263        1,623        1,710         2,324         6,292      5,302         5,546        1,370      -4,176    -75.3
BB&T Corporation                                       1,421        1,551        1,676         1,145         1,110      1,086         1,157        1,242          86      7.4
Regions Financial Corporation                            688          693        1,025           934         1,424      1,515         1,270        1,100        -170    -13.4
PNC Financial Services Group Inc.                        252          282          311           335           537        679         1,466        1,064        -402    -27.4
U.S. Bancorp                                           1,162        1,218        1,353         1,177         1,169      1,099         1,065        1,038         -27     -2.6
JPMorgan Chase & Co.                                      75           62          970           921           938        894           855          791         -64     -7.5
SunTrust Banks Inc.                                      806          795        1,033           852           950        919           858          781         -77     -9.0
Synovus Financial Corp.                                  442          486          469           468           467        447           444          548         104     23.5
T D BK NA                                                  0            0          387           415           402        666           627          548         -79    -12.6
Fifth Third Bancorp                                      471          469          522           894           760        745           636          526        -110    -17.2
Zions Bancorporation                                     382          403          404           428           482        527           508          492         -16     -3.1
Huntington Bancshares Incorporated                       275          273          281           328           322        622           568          464        -104    -18.3
Popular Inc.                                              46           50          112           311           314        298           286          404         118     41.4
Capital One Financial Corporation                         49          237          206           159           571        563           583          392        -190    -32.7
First Citizens Bancshares Inc.                           337          366          405           409           400        395           367          388          20      5.5
Marshall & Ilsley Corporation                            328          334          326           384           395        399           399          371         -28     -7.0
Compass Bk                                                30           27          119           123           256        461           428          364         -64    -15.0
Manufacturers & Traders TC                               412          412          445           452           420        404           408          353         -54    -13.4
Bank of the West                                         124          113          235           263           239        262           246          312          65     26.6
UK Finacial Investments, LTD (RBS Citizens Na)           355          344          467           442           389        513           333          278         -54    -16.3
Bancorpsouth Inc.                                        259          261          276           296           294        283           278          271          -6     -2.2
Fulton Financial Corporation                             218          246          265           293           345        319           256          258           2      0.8
Banco Santander Pr                                       111          111          126           368           397        357           302          256         -46    -15.4
Keycorp                                                  432          401          382           405           346        340           299          251         -48    -16.2
RBC Bk USA                                               144          150          139           123           178        172           206          237          31     15.0
People's United Bank                                      22           18           16            20            17        260           230          222          -7     -3.2
South Financial Group Inc.                               159          210          248           299           315        269           208          205          -3     -1.5
Table 1.3 Changes in Commercial Real Estate Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                             Change 09 - 10
                   Loan size                           2,003        2,004        2,005        2,006           2,007     2,008         2,009        2,010   Difference Percent
                                                                                      (millions of dollars, nominal)
Harris NA                                               101          121           129           146            164       221          190           187          -3     -1.8
First Niagara Financial Group Inc.                       24           27            56            99             66        59           57           180         124    219.2
Arvest Bank Group Inc.                                  113          147           156           155            160       175          173           175           2      1.0
Comerica Incorporated                                   271          254           251           287            228       222          194           168         -25    -13.1
Wintrust Financial Corporation                           32           42            70            74             74        83           84           165          81     97.0
Umpqua Holdings Corporation                              77           77           121           143            156       149          152           161           9      5.7
East West Bancorp Inc.                                   23           25            36            48             41        59          111           154          43     38.7
Citizens Republic Bancorp Inc.                          182          162           151           136            176       173          159           139         -21    -12.9
Susquehanna Bancshares Inc.                              73          118           111           123            114       160          148           138         -10     -6.7
Associated Banc-Corp                                    195          188           209           211            195       128          144           134         -10     -7.2
Firstmerit Corporation                                  135          133           112           120            116       119          114           131          17     15.0
Commerce Bancshares Inc.                                 96           93            95           102            126       135          128           111         -17    -13.0
Cullen/Frost Bankers Inc.                                93           99            96            96            120       119          112           106          -6     -5.3
Whitney Holding Corporation                              84           83           100            96             93        87           90           105          16     17.4
Lauritzen Corporation                                    82           84            94            93            120       118          106            99          -6     -6.1
HSBC Bk USA NA                                           85           79            81            85             71        57           48            79          31     65.8
Union Bk NA                                              62           79            85            73             63        52           45            78          33     72.6
BOK Financial Corporation                                93           98            98            98            103       101           85            72         -14    -16.0
Webster Financial Corporation                            70           64           105            78             69        81           76            71          -5     -7.0
Wilmington Trust Corporation                             51           48            53            59             65        73           70            65          -6     -8.0
State Farm Bank FSB                                       0            6            20            35              0        57           62            63           2      2.7
Valley National Bancorp                                  72           67            90            74             66        62           73            61         -11    -15.3
International Bancshares Corporation                     79          102            83            86             69        68           57            56          -1     -1.0
Iberiabank Corporation                                   25           22            31            31             43        39           34            56          22     66.3
First Bancorp                                            18           80           117            14             21        58           58            53          -4     -7.1
Privatebancorp Inc.                                      28           12            16            18             23        28           35            50          15     43.8
UMB Financial Corporation                                30           30            31            36             31        38           44            48           5     10.3
Firstbank Holding Company                                25           26            29            35             44        48           48            48           0     -0.6
Citigroup Inc.                                          159          117           115            87             76        62           81            45         -36    -44.4
First Horizon National Corporation                      118          114           123           128            120       112          107            42         -65    -60.4
Rabobank NA                                              22           21            19            33             62        61           42            42           1      1.7
New York Private Bank & Trust Corporation                 8           18            31            37             31        31           32            29          -2     -7.5
Cathay General Bancorp                                   23           28            29            33             38        31           28            26          -2     -5.8
MB Financial Inc                                         77           89            91            25             24         7            7            25          18    246.6
Northern Trust Corporation                               31           29            30            25             24        24           22            24           1      6.5
BankUnited                                                                                                                               7            23          16    217.2
New York Community Bancorp Inc.                          17            33           16            23            30         31           27            20          -7    -26.4
Washington Federal Savings And Loan Association           2             3            2             2            21         24           21            18          -3    -14.5
Table 1.3 Changes in Commercial Real Estate Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                                Change 09 - 10
                   Loan size                           2,003        2,004        2,005        2,006           2,007     2,008         2,009        2,010      Difference Percent
                                                                                      (millions of dollars, nominal)
Everbank                                                 11            12           12            13             12        13            10              17           7     73.1
Midfirst Bank                                            16            14           13            13             11        13            12              12           0     -0.5
Flagstar Bank, FSB                                        8             7            8            14              9         9            16              12          -4    -23.8
City National Corporation                                10             9            8             8              8         8             7              11           4     61.7
TCF Financial Corporation                                26            25           25            23             23        21            16              11          -5    -30.9
Astoria Federal Savings And Loan Association             16            17           17            16             14        12            11              10          -1     -8.0
Bank of Hawaii Corporation                                9             9            9            10              9         9             8               8           0      3.7
Onewest Bank, FSB                                                                                                                         0               3           3      0.0
Signature Bank                                             1            2            2             2             1          1             1               2           0     48.6
Hudson City Savings Bank                                                0            0             0             1          1             2               1           0    -14.8
Ally Financial Inc.                                                                  0             0             1          0             1               1           0     -6.7
SVB Financial Group                                        0            0            0             0             0          0             0               0           0     -4.4
UBS Bk USA                                                              0            0             0             0          0             0               0           0     -5.7
Bank Of New York Mellon Corporation                     102            83           72            59             0         11            11               0         -11    -98.4
State Street Corporation                                  0             0            0             0             0          0             0               0           0      0.0
Barclays Bk DE                                            0             0            0             0             0          1             0               0           0    -73.0
American Express Company                                  0             0            0             0             0          0             0               0           0      0.0
GE Money Bank                                             0             0            0             0             0          0             0               0           0      0.0
Discover Financial Services                               0             0            0             0             0          0             0               0           0      0.0
Morgan Stanley                                            0             0            0             0             0          0             0               0           0      0.0
Metlife Inc.                                              0             0            0             0             0          0             0               0           0      0.0
Deutsche Bk TC Americas                                   0             0            0             0             0          0             0               0           0      0.0
Goldman Sachs Group Inc.                                                                                                                  0               0           0      0.0
USAA Federal Savings Bank                                  0            0            0             0             0           0            0               0           0      0.0
Third Federal S&L Association Of Cleveland                 0            0            0             0             0           0            0               0           0      0.0
USAA Savings Bank                                          0            0            0             0             0           0            0               0           0      0.0
Charles Schwab Bank                                        0            0            0             0             0           0            0               0           0      0.0
E*Trade Bank                                               0            0            0             0             0           0            0               0           0      0.0
ING Bank, FSB                                                                                                                0            0               0           0      0.0
Table 1.4 Changes in Commercial Real Estate Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008         2009          2010   Difference Percent
                                                                                      (millions of dollars, nominal)
All CRE Loans, $250,000 to $1 million                190,901      209,500      222,872      244,180        262,807     277,934      278,449       260,535     -17,915     -6.4

 Less than $100 million                                8,634        8,685        8,608         8,563         7,930       7,516         7,677        7,215        -462     -6.0
 $100 million to $499.9 million                       46,672       49,555       52,510        54,070        53,473      54,788        57,095       56,625        -470     -0.8
 $500 million to $999.9 million                       20,374       21,246       24,442        26,687        28,401      30,745        30,731       30,362        -369     -1.2
 $1 billion to $9.9 billion                           39,763       45,060       50,580        55,719        57,898      63,781        63,740       61,154      -2,586     -4.1
 $10 billion to $49.9 billion                         28,848       33,131       25,066        28,631        32,024      26,564        27,453       26,916        -537     -2.0
 $50 billion or more                                  46,611       51,824       61,665        70,510        83,081      94,540        91,753       78,263     -13,490    -14.7

    Lenders with Assets Exceeding $10 billion
Wells Fargo & Company                                  5,233        9,318         5,770        6,226         7,072       7,976       16,376        15,031      -1,345     -8.2
Bank of America Corporation                            5,482        7,147         7,727        9,114        17,499      17,833       17,711         7,964      -9,747    -55.0
BB&T Corporation                                       3,743        4,116         4,022        4,013         4,022       4,172        4,700         5,306         607     12.9
U.S. Bancorp                                           3,937        4,257         4,997        4,835         4,709       4,634        4,662         5,221         559     12.0
JPMorgan Chase & Co.                                     332          328         3,657        3,714         4,032       4,111        4,647         4,870         223      4.8
PNC Financial Services Group Inc.                        533          657           770          832         2,081       2,325        4,969         4,223        -747    -15.0
Regions Financial Corporation                          1,962        2,124         3,430        3,172         4,875       5,151        4,740         4,183        -557    -11.7
Zions Bancorporation                                   1,791        1,952         2,155        2,579         3,097       3,947        4,098         4,024         -74     -1.8
SunTrust Banks Inc.                                    2,644        2,570         3,565        2,724         3,620       3,636        3,613         3,358        -255     -7.1
T D BK NA                                                  0            0         1,133        1,419         1,541       2,823        2,780         2,670        -109     -3.9
First Citizens Bancshares Inc.                         1,010        1,259         1,598        1,728         1,850       1,978        2,057         2,181         124      6.0
Capital One Financial Corporation                        396          506           471          383         2,413       2,629        2,759         2,169        -590    -21.4
Synovus Financial Corp.                                1,519        1,803         1,824        1,857         1,800       2,122        1,878         2,102         224     11.9
Fifth Third Bancorp                                    1,684        1,695         2,043        3,330         2,799       2,850        2,436         2,049        -386    -15.9
Bank of the West                                         910          957         1,437        1,748         1,814       2,002        1,985         1,980          -5     -0.2
Compass Bk                                                65           40           268          265           674       1,977        2,037         1,930        -108     -5.3
Manufacturers & Traders TC                             1,492        1,493         1,742        1,556         1,785       1,765        1,959         1,870         -90     -4.6
Marshall & Ilsley Corporation                          1,249        1,285         1,373        1,718         1,816       1,906        1,949         1,777        -172     -8.8
Popular Inc.                                             264          312           541        1,333         1,465       1,521        1,513         1,644         130      8.6
Huntington Bancshares Incorporated                       949          982         1,001        1,139         1,130       2,017        1,875         1,567        -308    -16.4
UK Finacial Investments, LTD (RBS Citizens Na)         1,076        1,143         1,683        1,762         1,853       2,137        1,767         1,524        -243    -13.8
East West Bancorp Inc.                                   221          401           632          796           777         845          812         1,365         553     68.1
Comerica Incorporated                                  1,432        1,500         1,487        1,912         1,749       1,684        1,476         1,262        -215    -14.5
RBC Bk USA                                               442          500           511          522           731         799        1,087         1,194         107      9.8
Banco Santander Pr                                       223          226           264        1,372         1,616       1,478        1,231         1,173         -58     -4.7
Keycorp                                                1,424        1,423         1,412        1,678         1,447       1,501        1,360         1,171        -190    -13.9
Fulton Financial Corporation                             555          785           897        1,048         1,358       1,305        1,123         1,113         -11     -0.9
Union Bk NA                                              579          669           895          927           968         953          918         1,073         155     16.9
Citigroup Inc.                                         1,203          981         1,010          968         1,083       1,087        1,095           970        -125    -11.4
Table 1.4 Changes in Commercial Real Estate Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008         2009          2010   Difference Percent
                                                                                      (millions of dollars, nominal)
Bancorpsouth Inc.                                        663          694          748           765           814         853          901           899          -2     -0.3
People's United Bank                                     230          216          215           209           171       1,039          871           886          15      1.7
Harris NA                                                521          573          618           678           763         984          866           866           0      0.0
South Financial Group Inc.                               489          644          869           950           977         930          843           791         -52     -6.2
Umpqua Holdings Corporation                              223          268          443           616           723         704          714           779          66      9.2
First Niagara Financial Group Inc.                        85           94          167           228           205         225          225           661         436    193.8
Wintrust Financial Corporation                           201          355          486           490           473         597          572           653          81     14.1
Firstmerit Corporation                                   456          445          380           443           426         462          456           652         196     43.0
Citizens Republic Bancorp Inc.                           483          461          461           472           755         762          697           618         -79    -11.3
Associated Banc-Corp                                     615          589          650           745           692         682          690           617         -74    -10.7
Valley National Bancorp                                  341          357          488           470           461         480          627           608         -19     -3.1
First Horizon National Corporation                       507          535          576           597           632         603          586           583          -3     -0.5
Arvest Bank Group Inc.                                   273          374          397           432           440         495          509           532          24      4.6
Susquehanna Bancshares Inc.                              240          314          320           404           398         587          556           515         -40     -7.3
Whitney Holding Corporation                              257          268          351           349           378         405          528           501         -28     -5.2
Cullen/Frost Bankers Inc.                                328          342          359           372           497         524          520           499         -21     -4.0
HSBC Bk USA NA                                           654          585          571           543           462         383          350           495         144     41.2
Commerce Bancshares Inc.                                 333          341          339           368           439         474          476           425         -52    -10.9
Cathay General Bancorp                                   198          291          329           414           425         459          433           424          -9     -2.0
BOK Financial Corporation                                308          355          367           403           488         498          432           411         -21     -4.9
Privatebancorp Inc.                                      176           92          142           152           200         235          307           375          68     22.1
Rabobank NA                                               98          108           33           254            30         494          367           375           8      2.1
Wilmington Trust Corporation                             185          177          210           279           331         357          388           365         -23     -6.0
Lauritzen Corporation                                    247          287          272           325           331         302          288           361          72     25.1
New York Community Bancorp Inc.                          109          204          161           267           314         340          317           320           3      0.9
Iberiabank Corporation                                    70           75           94            99           167         185          188           310         123     65.4
Webster Financial Corporation                            224          226          359           272           281         340          320           296         -24     -7.4
Firstbank Holding Company                                 69           83          111           167           227         268          285           295          10      3.7
Northern Trust Corporation                               248          254          250           258           106         131          129           291         162    125.8
UMB Financial Corporation                                121          132          148           166           196         219          253           274          21      8.4
International Bancshares Corporation                     229          300          309           290           273         257          221           223           2      1.0
City National Corporation                                224          201          188           165           161         174          153           202          49     32.0
Astoria Federal Savings And Loan Association             205          224          251           267           259         242          215           199         -16     -7.5
First Bancorp                                             59          114          154            98           128         219          301           199        -102    -33.8
State Farm Bank FSB                                        0            7           33            69             0         162          171           192          21     12.0
Everbank                                                  24           28           31           140            60          60           92           184          92    100.4
BankUnited                                                                                                                               45           180         135    297.8
Flagstar Bank, FSB                                        54           72           84           152           134         139          199           155         -44    -22.2
Table 1.4 Changes in Commercial Real Estate Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008         2009          2010   Difference Percent
                                                                                      (millions of dollars, nominal)
MB Financial Inc                                         131          315          161            76           152          22           37           153         116    310.3
TCF Financial Corporation                                178          191          197           207           213         220          206           152         -53    -25.9
New York Private Bank & Trust Corporation                 44           69          121           165           145         142          136           129          -7     -5.4
Onewest Bank, FSB                                                                                                                         0           120         120      0.0
Midfirst Bank                                             41           43           51            71            70          87           95           108          12     13.1
Signature Bank                                             6           10           17            20            31          48           62            78          16     26.2
Bank of Hawaii Corporation                                83           71           68            80            86         102           78            76          -2     -2.6
Washington Federal Savings And Loan Association            6            5            3             2            44          84           80            75          -6     -7.0
Ally Financial Inc.                                                                  0             0            26           0           64            57          -7    -10.4
Hudson City Savings Bank                                                0            0             0            56          52           45            42          -3     -7.5
Bank Of New York Mellon Corporation                      387          343          284           249             7          82           85            12         -74    -86.1
State Street Corporation                                   0            0            0             0             0           0            1             1           0     51.6
SVB Financial Group                                       14            7            4             3             2           1            0             1           1    287.9
Barclays Bk DE                                             0            0            0             0             0           0            1             1           0     55.4
USAA Federal Savings Bank                                  1            1            1             1             1           1            0             0           0    -19.0
Metlife Inc.                                               1            1            0             0             0           0            0             0           0    -18.4
UBS Bk USA                                                              0            0             0             0           0            0             0           0    -63.0
American Express Company                                   0            0            0             0             0           0            0             0           0      0.0
GE Money Bank                                              0            0            0             0             0           0            0             0           0      0.0
Discover Financial Services                                0            0            0             0             0           0            0             0           0      0.0
Morgan Stanley                                             0            0            0             1             0           0            0             0           0      0.0
Deutsche Bk TC Americas                                    0            0            0             0             0           0            0             0           0      0.0
Goldman Sachs Group Inc.                                                                                                                  0             0           0      0.0
Third Federal S&L Association Of Cleveland                 3            3             0            0             0            0           0             0           0      0.0
USAA Savings Bank                                          0            0             0            0             0            0           0             0           0      0.0
Charles Schwab Bank                                        0            0             0            0             0            0           0             0           0      0.0
E*Trade Bank                                               0            0             0            0             0            0           0             0           0      0.0
ING Bank, FSB                                                                                                                 0           0             0           0      0.0
Table 1.5 Changes in Commercial and Industrial Loans less than $100,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                             Change 09 - 10
                   Loan size                            2003          2004         2005         2006           2007        2008          2009      2010    Difference Percent
                                                                                       (millions of dollars, nominal)
All CI Loans, less than $100,000                     104,392       104,433      108,292      116,973        131,199     141,709       134,480    137,162       2,682      2.0

 Less than $100 million                                8,746         7,671        7,155         6,639         6,008        5,301        4,499      4,126        -373     -8.3
 $100 million to $499.9 million                       18,162        17,728       17,188        16,436        15,766       15,518       14,397     12,822      -1,575    -10.9
 $500 million to $999.9 million                        6,421         5,948        6,351         7,130         6,872        7,085        6,747      6,657         -90     -1.3
 $1 billion to $9.9 billion                           14,241        13,923       14,922        16,068        17,335       17,371       12,822     11,238      -1,584    -12.4
 $10 billion to $49.9 billion                         18,014        19,068       13,819        15,132        20,765        7,490       11,536      7,788      -3,748    -32.5
 $50 billion or more                                  38,808        40,096       48,858        55,567        64,452       88,943       84,478     94,531      10,053     11.9

    Lenders with Assets Exceeding $10 billion
Bank of America Corporation                             1,884        3,686        4,392         8,018         9,811       14,131       12,709     14,851       2,141     16.8
JPMorgan Chase & Co.                                    3,164        3,626        6,997         8,379        11,770       15,353       15,772     14,665      -1,107     -7.0
American Express Company                                5,038        5,982        6,632         7,325        10,960       11,027       14,163     13,638        -525     -3.7
Ally Financial Inc.                                                                   0             0             0        1,204        1,353     11,060       9,706    717.4
Wells Fargo & Company                                   6,368        7,145        7,549         8,370         9,639        9,890       10,011      9,056        -955     -9.5
Capital One Financial Corporation                         360          376        3,151         3,655         4,467        6,155        4,670      6,791       2,122     45.4
Citigroup Inc.                                          8,814        8,478        7,275         8,955         8,591        8,735        6,241      5,548        -693    -11.1
U.S. Bancorp                                            2,385        2,356        2,581         2,915         3,164        3,768        4,022      4,125         103      2.6
PNC Financial Services Group Inc.                         548          646          814           966         1,451        1,307        2,062      1,870        -192     -9.3
BB&T Corporation                                        1,079        1,078        1,016           427           994        1,723        2,094      1,834        -260    -12.4
Regions Financial Corporation                             812          819        1,146         1,068         1,870        1,722        1,640      1,482        -157     -9.6
SunTrust Banks Inc.                                     1,044        1,197        1,498           987         1,885        2,072        1,667      1,408        -260    -15.6
GE Money Bank                                               0            0          275           329         1,502           15           55      1,126       1,070   1929.0
Manufacturers & Traders TC                                684          760        1,270         1,257         1,421        1,436        1,396        944        -452    -32.4
UK Finacial Investments, LTD (RBS Citizens Na)            334          445          770         1,113         1,214        1,210        1,089        937        -153    -14.0
Keycorp                                                 1,033          958          888           780         1,287        1,180          852        785         -67     -7.9
Banco Santander Pr                                        101          105           83           955           996        1,058          942        777        -165    -17.5
Wintrust Financial Corporation                            201          203          255           394           589          553          799        758         -41     -5.2
Zions Bancorporation                                      503          518          516           639           554          742          710        632         -78    -11.0
Synovus Financial Corp.                                   555          612          719           616           590          523          416        613         196     47.2
Compass Bk                                                 50           34          133           136           335          777          644        606         -38     -5.9
Fifth Third Bancorp                                       674          741          832           672           592          575          707        580        -127    -17.9
Bank of the West                                          244          249          364           410           440          527          549        529         -20     -3.6
T D BK NA                                                   0            0          216           242           397          554          544        475         -70    -12.8
Lauritzen Corporation                                     394          373          355           405           404          421          391        450          59     15.2
Huntington Bancshares Incorporated                        332          331          315           314           311          486          472        425         -48    -10.1
Union Bk NA                                               387          408          425           402           375          367          373        336         -37     -9.9
Discover Financial Services                                 0            0            0             0             0            0          451        334        -117    -25.9
First Niagara Financial Group Inc.                         62           88          139           176           209          193          183        307         124     67.6
Table 1.5 Changes in Commercial and Industrial Loans less than $100,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                          Change 09 - 10
                   Loan size                            2003          2004         2005         2006           2007        2008          2009    2010   Difference Percent
                                                                                       (millions of dollars, nominal)
Marshall & Ilsley Corporation                            220           216          230           265           298          378          381     297         -84    -22.0
HSBC Bk USA NA                                           268           208          326           458           475          486          483     294        -189    -39.0
Webster Financial Corporation                            329           340          407           398           554          382          381     289         -92    -24.2
TCF Financial Corporation                                  5             5            4            74            89          113          184     283          98     53.2
First Citizens Bancshares Inc.                           345           380          355           355           364          322          278     273          -4     -1.6
Everbank                                                   8             7            6            10             8            4            6     259         253   4065.0
First Horizon National Corporation                       239           242          406           463           380          249          224     209         -15     -6.6
Harris NA                                                 99           105          112           112           114          153          140     188          49     34.9
People's United Bank                                      30            27           25            22            28          106          173     188          15      8.9
Comerica Incorporated                                    208           181          164           154           178          199          191     174         -18     -9.2
Bancorpsouth Inc.                                        204           182          182           180           187          184          174     166          -7     -4.3
Barclays Bk DE                                             0             0            0             0             0          106          221     164         -57    -25.8
Cullen/Frost Bankers Inc.                                139           139          130           157           180          170          164     157          -7     -4.5
Fulton Financial Corporation                             133           138          146           170           164          163          160     156          -4     -2.8
Popular Inc.                                              80            83          303           241           269          303          251     144        -106    -42.5
Commerce Bancshares Inc.                                 111           108          104           105           116          112           97     139          43     43.8
Arvest Bank Group Inc.                                   175           123          127           136           144          142          135     130          -5     -3.7
RBC Bk USA                                               144           129          116            96           120          177          141     114         -27    -19.2
Whitney Holding Corporation                              112           109          123           112           115          112          115     105         -10     -8.6
South Financial Group Inc.                               144           173          197           201           192          219          146     104         -43    -29.1
Associated Banc-Corp                                     281           261          276           270           252           94           97      98           0      0.2
Rabobank NA                                               10            10           12            26            28           99          106      98          -9     -8.2
Citizens Republic Bancorp Inc.                           242           235          106           128           228          323          104      92         -12    -11.3
Umpqua Holdings Corporation                               56            55           70            81            86           93           92      89          -3     -3.4
BOK Financial Corporation                                134           133          127           130           132          130          107      88         -19    -17.8
Bank of Hawaii Corporation                                74           105           90           239           251          249          114      87         -27    -23.5
Susquehanna Bancshares Inc.                               44            59           57            59            59          131           90      79         -11    -12.6
UBS Bk USA                                                              71           36            39            43           63           64      76          12     19.6
Northern Trust Corporation                                52            56           55            90           116          115           74      72          -2     -2.6
City National Corporation                                 56            51           50            45            57           55          124      64         -60    -48.4
MB Financial Inc                                          90            79           86            95           123           80           54      60           6     11.0
Firstmerit Corporation                                   116            97           55            73            69           65           57      60           3      4.5
UMB Financial Corporation                                 49            46           53            60            70           61           60      55          -5     -8.0
Signature Bank                                            17            34           11            46            65           64           66      53         -13    -19.3
International Bancshares Corporation                      55            76           72            76            72           69           50      53           3      6.4
Wilmington Trust Corporation                              72            74           67            59            70           70          250      51        -199    -79.5
Valley National Bancorp                                   37            35           43            43            49           52          174      49        -125    -71.9
East West Bancorp Inc.                                    13            10            8            12            14           79           42      43           1      1.9
Table 1.5 Changes in Commercial and Industrial Loans less than $100,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                          Change 09 - 10
                   Loan size                            2003          2004         2005         2006           2007        2008          2009    2010   Difference Percent
                                                                                       (millions of dollars, nominal)
Cathay General Bancorp                                     25           37           38            49            44           42           39      38          -2     -3.9
Privatebancorp Inc.                                        12           16           24            19            25           24           18      37          19    105.2
Iberiabank Corporation                                     25           17           18            17            26           27           28      33           6     20.3
BankUnited                                                                                                                                  0      29          29      0.0
State Farm Bank FSB                                        0             0            2             9            58           47           21      26           5     25.0
Firstbank Holding Company                                 22            18           20            23            26           28           28      25          -3    -10.2
SVB Financial Group                                       45            13            8             3            11           46           19      23           4     18.5
First Bancorp                                             14            14           20            18            20           15           18      19           1      7.3
New York Community Bancorp Inc.                            8             5            3            26            16           15           13      11          -2    -16.6
Midfirst Bank                                             10             8            7            14            11           11           11      11           0     -3.4
Washington Federal Savings And Loan Association            0             0            0             0             6           16           41      10         -31    -75.7
Astoria Federal Savings And Loan Association              10            10           11            10             9            7            8       7          -1     -9.1
Morgan Stanley                                             1             1            0             0             0            1            0       4           4   1983.3
Bank Of New York Mellon Corporation                      336           346          332           280             1           20           19       2         -17    -88.3
Flagstar Bank, FSB                                         2             2            1             0             2            2            2       1          -1    -37.6
Onewest Bank, FSB                                                                                                                           0       0           0      0.0
Hudson City Savings Bank                                                 0             0            0             0            0            0       0           0    -58.0
New York Private Bank & Trust Corporation                   0            0             0            0             1            1            0       0           0      0.0
Metlife Inc.                                                0            0             0            0             0            0            0       0           0      0.0
Deutsche Bk TC Americas                                     0            0             0            0             0            0            0       0           0      0.0
Goldman Sachs Group Inc.                                                                                                                    0       0           0      0.0
State Street Corporation                                    1            0             0            0             0            0            0       0           0      0.0
USAA Federal Savings Bank                                   0            0             0            0             0            0            0       0           0      0.0
Third Federal S&L Association Of Cleveland                  0            0             0            0             0            0            0       0           0      0.0
USAA Savings Bank                                           0            0             0            0             0            0            0       0           0      0.0
Charles Schwab Bank                                         0            0             0            0             0            0            0       0           0      0.0
E*Trade Bank                                                0            0             0            0             0            0            0       0           0      0.0
ING Bank, FSB                                                                                                                  0            0       0           0      0.0
Table 1.6 Changes in Commercial and Industrial Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                           2003          2004         2005         2006            2007       2008         2009         2010    Difference Percent
                                                                                      (millions of dollars, nominal)
All CI Loans, $100,000 to $250,000                    51,171       52,977       54,543       54,716          57,550     57,286       55,073       51,146       -3,927     -7.1

 Less than $100 million                                2,912        2,824        2,689         2,617         2,431       2,190        1,974        1,803         -172     -8.7
 $100 million to $499.9 million                       10,650       11,190       11,261        11,139        11,282      11,244       10,866       10,280         -586     -5.4
 $500 million to $999.9 million                        4,418        4,315        4,605         4,917         5,157       5,614        5,387        5,072         -315     -5.9
 $1 billion to $9.9 billion                            9,727       10,448       10,863        11,665        12,585      12,882       11,855       10,478       -1,376    -11.6
 $10 billion to $49.9 billion                          7,883        8,598        6,454         6,561         7,278       5,519        5,950        6,151          201      3.4
 $50 billion or more                                  15,583       15,603       18,671        17,816        18,817      19,836       19,040       17,362       -1,678     -8.8

    Lenders with Assets Exceeding $10 billion
Wells Fargo & Company                                  1,742        1,730        1,169         1,699         1,751       2,084        3,403        3,047         -356    -10.5
Bank of America Corporation                            1,166        1,619        1,684         1,864         1,686       1,626        1,990        2,412          423     21.2
JPMorgan Chase & Co.                                     545          591        2,398         1,484         1,714       1,795        1,729        1,683          -46     -2.6
PNC Financial Services Group Inc.                        228          278          315           358           625         638        1,299        1,231          -68     -5.2
BB&T Corporation                                         732          713          692           694           718         725          972          896          -76     -7.8
Citigroup Inc.                                         1,685        1,338          848         1,055         1,010       1,261          785          789            5      0.6
U.S. Bancorp                                           1,252        1,065        1,007           967           929         923          907          775         -132    -14.5
Synovus Financial Corp.                                  468          478          476           489           497         475          416          765          348     83.6
SunTrust Banks Inc.                                      587          593          755           390           772         795          730          634          -96    -13.2
Capital One Financial Corporation                        160          169          237           230           863         970        1,178          604         -575    -48.8
Manufacturers & Traders TC                               520          573          637           666           666         602          668          557         -111    -16.6
Banco Santander Pr                                        88           97          101           717           853         797          638          519         -120    -18.8
Fifth Third Bancorp                                    1,042        1,191        1,386           819           724         716          603          474         -129    -21.3
Keycorp                                                  551          478          442           398           829         654          577          443         -134    -23.2
Zions Bancorporation                                     323          360          396           503           549         558          516          429          -87    -16.9
TCF Financial Corporation                                 16           14           16           120           144         179          246          412          166     67.3
Regions Financial Corporation                            915          953        1,432         1,472         1,455         615          458          375          -82    -18.0
Wintrust Financial Corporation                            89           97          134           215           286         280          294          370           76     25.9
Compass Bk                                                38           21          100           109           279         470          363          364            1      0.3
Marshall & Ilsley Corporation                            286          289          312           375           393         406          390          345          -45    -11.5
T D BK NA                                                  0            0          199           239           306         407          384          339          -45    -11.7
Huntington Bancshares Incorporated                       200          187          175           189           188         353          315          313           -2     -0.7
UK Finacial Investments, LTD (RBS Citizens Na)           312          310          378           383           386         416          334          292          -42    -12.6
People's United Bank                                      53           53           58            61            73         140          205          267           62     30.1
Webster Financial Corporation                            194          259          304           344           521         335          321          261          -59    -18.5
Comerica Incorporated                                    387          352          334           287           268         272          256          247           -9     -3.4
UBS Bk USA                                                            265          135           153           158         205          203          238           35     17.1
Bank of the West                                        123           109          199           212           199         223          228          215          -13     -5.5
Cullen/Frost Bankers Inc.                               171           170          180           198           228         220          212          195          -17     -8.0
Table 1.6 Changes in Commercial and Industrial Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                           2003          2004         2005         2006           2007        2008         2009         2010    Difference Percent
                                                                                      (millions of dollars, nominal)
Fulton Financial Corporation                             96           126          137           169           177         194          195          187           -8     -4.2
First Niagara Financial Group Inc.                       31            34           44            54            56          98           89          182           93    104.7
Popular Inc.                                            234           231          605           338           323         277          232          175          -57    -24.6
RBC Bk USA                                              193           185          168           150           182         250          198          167          -31    -15.7
First Citizens Bancshares Inc.                          170           175          154           165           164         181          166          165           -1     -0.8
Harris NA                                                96           106          127           116           120         143          130          164           34     26.0
Union Bk NA                                             195           163          169           157           150         144          153          158            5      3.3
First Horizon National Corporation                      167           174          193           218           227         213          178          147          -31    -17.5
Bancorpsouth Inc.                                       114           111          124           120           147         149          148          143           -5     -3.6
Whitney Holding Corporation                             145           157          165           149           147         148          151          134          -16    -10.9
South Financial Group Inc.                              127           153          223           235           226         232          181          133          -48    -26.3
MB Financial Inc                                        124           100          108           122           132         129          107          130           23     21.6
Commerce Bancshares Inc.                                 84            82           81            84           104         111          100          129           29     29.6
Lauritzen Corporation                                   103           110          138           145           185         178          151          126          -25    -16.6
BOK Financial Corporation                               123           131          134           139           184         185          140          120          -21    -14.7
Everbank                                                  9             5            4            11             8           4            2          120          118   6433.8
Associated Banc-Corp                                    215           215          258           275           254         159          139          118          -22    -15.5
HSBC Bk USA NA                                          299           174          146           143           128         112           64          114           51     79.9
Firstmerit Corporation                                  166           135           75           106           102          93           81           93           11     13.8
Umpqua Holdings Corporation                              62            59           79            93           101          99           94           89           -5     -5.4
Susquehanna Bancshares Inc.                              46            53           55            68            68         134           99           88          -11    -11.5
Northern Trust Corporation                               87            80           86           102            85          99           77           80            3      3.7
Arvest Bank Group Inc.                                   69            74           76            80            81          88           83           79           -4     -5.3
Privatebancorp Inc.                                      19            25           43            44            41          56          102           78          -24    -23.2
City National Corporation                               101            92           87            76            85          87           72           75            3      4.1
Signature Bank                                           22            31           29            51            64          67           63           72            9     13.6
Citizens Republic Bancorp Inc.                          162           129           91            83            85          90           84           70          -14    -16.4
East West Bancorp Inc.                                   22            24           22            36            44          95           69           70            1      1.6
Valley National Bancorp                                  63            67           65            62            79          78          174           68         -105    -60.8
Wilmington Trust Corporation                            101           107           99            88            90          86           64           61           -2     -3.2
UMB Financial Corporation                                47            37           40            48            58          60           60           59           -1     -1.5
Rabobank NA                                              12            11           10            30            54          57           59           57           -2     -3.2
First Bancorp                                            35            33           33            33            40          58           63           56           -7    -10.9
International Bancshares Corporation                     54            78           73            83            77          74           48           47           -1     -1.9
Cathay General Bancorp                                   27            40           41            56            48          51           49           47           -3     -5.5
Iberiabank Corporation                                   15            12           15            15            29          29           31           42           11     37.0
SVB Financial Group                                      54            49           52            59            54         119           42           32          -11    -25.2
Bank of Hawaii Corporation                               48            39           50            46            44          42           39           28          -10    -26.5
Table 1.6 Changes in Commercial and Industrial Loans between $100,000 and $250,000, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                              Change 09 - 10
                   Loan size                           2003          2004         2005         2006           2007        2008         2009         2010    Difference Percent
                                                                                      (millions of dollars, nominal)
New York Community Bancorp Inc.                            9           17            8            26            17          25           19           27            8     40.5
Morgan Stanley                                             0            1            0             0             0           8            1           18           17   2656.5
BankUnited                                                                                                                                0           18           17   4040.7
Midfirst Bank                                             11            7            8            19            18          23           24           18           -7    -27.4
Firstbank Holding Company                                 12           12           10            11            12          12           13           13           -1     -4.1
Washington Federal Savings And Loan Association            0            0            0             0             7          12            7            7            0      4.1
Ally Financial Inc.                                                                  0             0             0           0            4            4            1     18.3
Bank Of New York Mellon Corporation                     132           120          112           100             1          27           25            4          -21    -84.1
Onewest Bank, FSB                                                                                                                         0            4            4      0.0
State Farm Bank FSB                                        0            0            0             1             0           5            3            4            1     22.1
Astoria Federal Savings And Loan Association               7            6            7             6             5           4            3            2           -1    -27.4
Flagstar Bank, FSB                                         2            2            2             0             3           4            3            1           -1    -53.3
New York Private Bank & Trust Corporation                  0            0            0             1             2           1            1            0           -1    -55.7
Hudson City Savings Bank                                                0            0             0            10           0            1            0           -1    -63.5
Third Federal S&L Association Of Cleveland                 0            0            0             0             0           0            0            0            0    -70.0
American Express Company                                   0            1            0             0             0           0            0            0            0      0.0
GE Money Bank                                              0            0            0             0             0           0            0            0            0      0.0
Discover Financial Services                                0            0            0             0             0           0            0            0            0      0.0
Barclays Bk DE                                             0            0            0             0             0           0            0            0            0      0.0
Metlife Inc.                                               0            0            0             0             0           0            0            0            0      0.0
Deutsche Bk TC Americas                                    0            0            0             1             1           0            0            0            0      0.0
Goldman Sachs Group Inc.                                                                                                                  0            0            0      0.0
State Street Corporation                                   1            0            0             0             0           0            0            0            0      0.0
USAA Federal Savings Bank                                  0            0            0             0             0           0            0            0            0      0.0
USAA Savings Bank                                          0            0            0             0             0           0            0            0            0      0.0
Charles Schwab Bank                                        0            0            0             0             0           0            0            0            0      0.0
E*Trade Bank                                               0            0            0             0             0           0            0            0            0      0.0
ING Bank, FSB                                                                                                                0            0            0            0      0.0
Table 1.7 Changes in Commercial and Industrial Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                                Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008          2009         2010     Difference Percent
                                                                                      (millions of dollars, nominal)
All CRE Loans, $250,000 ot $1 million                112,600      118,920      123,597      124,682        138,014     137,431       133,665      121,647       -12,019     -9.0

 Less than $100 million                                4,609        4,597         4,472        4,571         4,381        4,153        3,745        3,438          -307     -8.2
 $100 million to $499.9 million                       19,819       21,178        21,784       22,415        23,142       23,976       23,470       21,879        -1,592     -6.8
 $500 million to $999.9 million                        8,899        8,879         9,757       10,662        11,490       12,606       11,771       11,159          -612     -5.2
 $1 billion to $9.9 billion                           21,702       23,675        25,792       26,789        29,359       31,560       29,164       25,970        -3,195    -11.0
 $10 billion to $49.9 billion                         18,391       21,252        16,991       17,039        19,535       16,269       17,451       15,908        -1,543     -8.8
 $50 billion or more                                  39,179       39,338        44,800       43,205        50,108       48,866       48,064       43,293        -4,771     -9.9

    Lenders with Assets Exceeding $10 billion
Wells Fargo & Company                                  3,711        3,797         2,920        4,141         4,475        5,405        9,780         8,380       -1,400    -14.3
Bank of America Corporation                            2,874        3,868         4,227        4,623         5,747        4,558        6,434         7,632        1,198     18.6
JPMorgan Chase & Co.                                   1,353        1,181         3,069        3,038         3,214        3,431        3,212         2,985         -227     -7.1
BB&T Corporation                                       1,372        1,454         1,496        1,536         1,626        1,708        2,175         2,161          -14     -0.6
U.S. Bancorp                                           2,944        2,397         2,268        2,092         2,014        2,112        2,027         2,009          -18     -0.9
PNC Financial Services Group Inc.                        511          567           596          632         1,139        1,151        2,643         1,932         -711    -26.9
SunTrust Banks Inc.                                    1,384        1,396         1,662          760         1,789        1,877        1,797         1,603         -194    -10.8
Fifth Third Bancorp                                    2,771        3,302         3,871        2,385         2,212        2,261        1,884         1,473         -411    -21.8
Capital One Financial Corporation                        242          273           298          301         1,602        2,229        2,585         1,353       -1,232    -47.7
UBS Bk USA                                                          1,681           790          786           849        1,070        1,041         1,180          140     13.4
Manufacturers & Traders TC                             1,271        1,317         1,376        1,261         1,473        1,323        1,326         1,159         -167    -12.6
Citigroup Inc.                                         2,409        1,956         1,741        1,970         2,134        1,998        1,839         1,144         -695    -37.8
Zions Bancorporation                                     797          834           846        1,215         1,475        1,300        1,279         1,119         -160    -12.5
Marshall & Ilsley Corporation                            862          851           929        1,163         1,261        1,384        1,268         1,083         -184    -14.5
Banco Santander Pr                                       152          200           206        1,571         1,892        1,581        1,360         1,066         -294    -21.6
Regions Financial Corporation                          1,638        1,705         2,939        3,083         3,313        1,558        1,218         1,045         -173    -14.2
Keycorp                                                1,482        1,292         1,229        1,156         1,446        1,441        1,222         1,029         -193    -15.8
People's United Bank                                     230          299           773          419           491          615          853         1,010          157     18.4
Comerica Incorporated                                  1,932        1,695         1,647        1,265         1,140        1,146        1,045           977          -68     -6.5
UK Finacial Investments, LTD (RBS Citizens Na)           901          881           982        1,120         1,122        1,276        1,025           928          -98     -9.5
Compass Bk                                                56           24           191          225           566        1,093          988           901          -87     -8.8
Huntington Bancshares Incorporated                       592          512           490          516           527          970          860           845          -15     -1.8
T D BK NA                                                  2            2           454          621           645          941          856           798          -58     -6.7
Wintrust Financial Corporation                           194          219           328          489           583          576          636           742          107     16.8
Popular Inc.                                             785          785         1,919        1,123         1,179        1,074          974           725         -248    -25.5
Synovus Financial Corp.                                  911        1,064         1,056        1,075         1,118        1,189          963           601         -362    -37.6
First Citizens Bancshares Inc.                           230          274           283          376           429          526          539           576           37      6.8
Cullen/Frost Bankers Inc.                                436          436           443          496           601          602          610           571          -39     -6.4
Bank of the West                                         380          392           522          570           573          597          605           528          -77    -12.7
Table 1.7 Changes in Commercial and Industrial Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                                Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008          2009         2010     Difference Percent
                                                                                      (millions of dollars, nominal)
Webster Financial Corporation                            309          412          395           598           831          646          621          508          -113    -18.3
TCF Financial Corporation                                 64           60           68           261           292          329          413          498            84     20.4
Signature Bank                                           106          112          190           181           183          211          396          488            92     23.3
Fulton Financial Corporation                             213          294          287           365           428          497          487          474           -13     -2.6
First Horizon National Corporation                       424          457          577           696           781          730          566          454          -112    -19.8
RBC Bk USA                                               604          617          617           590           586          655          498          451           -47     -9.4
MB Financial Inc                                         288          270          274           252           327          254          370          437            68     18.3
Whitney Holding Corporation                              354          375          418           411           419          439          393          396             3      0.6
First Niagara Financial Group Inc.                        46           67           96            73           112          184          154          383           229    148.4
Harris NA                                                218          239          264           232           243          313          299          383            84     28.1
Privatebancorp Inc.                                      126           70          109           127           115          194          498          378          -120    -24.2
BOK Financial Corporation                                334          411          466           524           613          597          444          359           -85    -19.1
Associated Banc-Corp                                     396          409          484           509           492          531          440          342           -98    -22.3
HSBC Bk USA NA                                           671          486          376           309           267          238           90          336           246    273.1
Northern Trust Corporation                               330          355          367           434           305          270          204          334           130     63.6
Commerce Bancshares Inc.                                 254          236          226           228           266          277          256          300            44     17.2
South Financial Group Inc.                               246          292          480           488           502          479          401          282          -119    -29.6
SVB Financial Group                                      244          218          283           313           339          509          345          279           -66    -19.1
Firstmerit Corporation                                   372          326          167           268           273          304          329          276           -52    -16.0
Union Bk NA                                              503          452          605           324           275          262          227          274            48     21.0
First Bancorp                                            125          129          138           181           197          233          270          274             4      1.6
East West Bancorp Inc.                                    98          142          179           233           287          364          280          272            -7     -2.6
Valley National Bancorp                                  223          225          240           259           283          295          677          271          -406    -60.0
City National Corporation                                389          307          343           296           307          322          260          252            -7     -2.8
Bancorpsouth Inc.                                        181          164          182           199           267          257          249          245            -4     -1.5
Susquehanna Bancshares Inc.                               97          114          125           156           155          371          263          235           -28    -10.7
Umpqua Holdings Corporation                              138          135          167           186           248          245          240          226           -14     -5.6
Lauritzen Corporation                                    229          281          338           329           339          368          288          212           -76    -26.4
Arvest Bank Group Inc.                                   130          152          163           164           163          212          203          210             7      3.5
Wilmington Trust Corporation                             323          361          347           302           315          314          268          209           -59    -22.1
Citizens Republic Bancorp Inc.                           332          284          212           231           243          258          231          197           -33    -14.5
Cathay General Bancorp                                    69          158          135           188           211          226          198          192            -6     -3.1
UMB Financial Corporation                                141          143          154           167           180          178          184          188             3      1.8
New York Community Bancorp Inc.                           12           57           14            94            95          136           90          171            81     90.7
Iberiabank Corporation                                    30           34           40            43            76           82           81          125            44     54.6
Morgan Stanley                                             2            1            0             0             0           43            8          112           104   1316.3
International Bancshares Corporation                      96          150          159           182           186          174          110          106            -4     -3.6
Rabobank NA                                               25           21           11            91           107          115          100           96            -3     -3.3
Table 1.7 Changes in Commercial and Industrial Loans between $250,000 and $1 million, 2003 to 2010 for Depository Lenders with Assets Exceeding $10 Billion

                                                                                                                                                                Change 09 - 10
                   Loan size                            2003         2004         2005         2006           2007        2008          2009         2010     Difference Percent
                                                                                      (millions of dollars, nominal)
Midfirst Bank                                             25           25           28            80            78           89           90            80          -10    -10.8
Bank of Hawaii Corporation                                85           92           66           129           126          114           65            72            8     11.6
Everbank                                                  10            7            9            19            25            9            6            65           59    980.4
Ally Financial Inc.                                                                  0             0             8            0           36            43            8     22.1
BankUnited                                                                                                                                 0            30           30   6746.9
Bank Of New York Mellon Corporation                      220          177           163          138             4           86           88            28          -60    -68.3
Onewest Bank, FSB                                                                                                                          0            28           28      0.0
Washington Federal Savings And Loan Association            0             0            0            0             9           27           18            18            1      3.7
Firstbank Holding Company                                 11             9           14           11            16           18           17            13           -4    -23.8
Hudson City Savings Bank                                                 0            0            0             0           18           16            13           -3    -17.0
Flagstar Bank, FSB                                         4             4            5            0             8           10           10             6           -4    -41.3
State Farm Bank FSB                                        0             1            0            1             0           14            9             6           -3    -34.4
New York Private Bank & Trust Corporation                  4             4            7           14             8           15           10             5           -4    -44.0
Astoria Federal Savings And Loan Association               2             3            4            3             4            1            3             4            2     56.2
Metlife Inc.                                               1             0            0            0             4            2            1             2            1    100.9
Deutsche Bk TC Americas                                    0             5            4            3             3            5            1             2            1    100.0
Goldman Sachs Group Inc.                                                                                                                   2             2            0      0.0
USAA Federal Savings Bank                                  0             0            0            0             0            1            1             1            0     -2.6
American Express Company                                   0             3            0            0             0            0            0             0            0      0.0
GE Money Bank                                              0             0            0            0             0            0            0             0            0      0.0
Discover Financial Services                                0             0            0            0             0            0            0             0            0      0.0
Barclays Bk DE                                             0             0            0            0             0            0            0             0            0      0.0
State Street Corporation                                   5             0            0            0             1            1            0             0            0      0.0
Third Federal S&L Association Of Cleveland                 0             0            0            0             0            0            0             0            0      0.0
USAA Savings Bank                                          0             0            0            0             0            0            0             0            0      0.0
Charles Schwab Bank                                        0             0            0            0             0            0            0             0            0      0.0
E*Trade Bank                                               0             0            0            0             0            0            0             0            0      0.0
ING Bank, FSB                                                                                                                 0            0             0            0      0.0

				
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