Small Business Lending in the United States 2003 Edition

A Voice for Small Business Small Business and Micro Business Lending in the United States, for Data Years 2003-2004 November 2005 November 2005 No. 266 Small and Micro Business Lending for 2003-2004 Office of Advocacy, U.S. Small Business Administration The Office of Advocacy prepares an annual study of bank lending to small firms using the most recent data available on small and micro business loans. This study provides a brief review of banks’ lending activities in 2003-2004 based on two types of data reported by banks to their regulating agencies—the call reports for June 2004 and the Community Reinvestment Act (CRA) reports for 2003. Because data are available only by the size of the loan, not by the size of the borrower, small business loans are defined here as business loans under $1 million, and micro business loans are those under $100,000. The report includes a discussion of developments in the small and micro business lending activities of commercial banks in the United States. In part one, the first section reviews developments apparent in the call report data (June 2003 through June 2004); the second section looks at developments evident from the CRA database for the year 2003. Part two provides directories of the top small and micro business lenders in the 50 states and District of Columbia using both the call report and CRA data. Highlights • Borrowing from banks continued to recover from 2002-2003, registering a moderate increase. Small business loans outstanding (under $1 million) totaled $522 billion as of June 2004, an increase of $27.2 billion or 5.5 percent between June 2003 and June 2004. This compares with an overall increase of 2.3 percent over the previous period. Overall business loans also increased; the total value of business loans increased 4.2 percent to a value outstanding of $1.38 trillion from $1.32 trillion the year before. • The increases came primarily from the larger small business loans ($100,000 to $1 million). The values of medium-sized small business loans ($100,000 to $250,000) and large small business loans ($250,000 to $1 million) increased 4.95 percent and 8.4 percent, respectively. The number of these loans also increased 4.95 and 8.5 percent, respectively, during this period. • As in the previous periods, lending of the smallest loans showed the least activity during this period. These declines, though smaller than in the previous year, occurred in both the dollar amount and number of loans outstanding. The number of the smallest business loans outstanding declined from 14.1 million to 13.6 million, a 3.6 percent drop, while the dollar value declined from $125.7 billion to $125.3 billion in June 2004, a decline of 0.31 percent. As in previous years, these declines appear to be an accounting phenomenon, not an indicator of a significant trend. • In 2003, a total of $248 billion in small business loans under $1 million were extended by 998 CRA-reporting banks and bank holding companies, compared with $227.5 billion extended by 905 entities in 2002. For micro business loans, these banks and bank holding companies made 5.6 million loans valued at $78 billion in 2003, compared with 5.3 million loans valued at $73 billion in 2002. The CRA data confirm the findings in the call report data of the importance of multibillion dollar banks and bank holding companies in the market for the smallest loans, and also their declining share of the larger small business loans ($100,000-$1 million). • Bank consolidations continued during June 2003 and June 2004 as indicated by the large increases in total domestic assets for several large bank holding companies. The number of multibillion dollar banks and bank holding companies (with total domestic assets of more than $10 billion) increased from 67 to 72 by June 2004; they accounted for 75.3 percent of This report was developed under a contract with the Small Business Administration, Office of Advocacy, and contains information and analysis that was reviewed and edited by officials of the Office of Advocacy. However, the final conclusions of the report do not necessarily reflect the views of the Office of Advocacy. total banking assets and 63 percent of total business loans. However, the importance of these entities in the small business loan markets varied. While, their importance in the market for micro business loans continued to increase, accounting for 50 percent of the market in value and 67 percent in the number, bank holding companies remained passive in promoting larger small business loans (between $100,000 and $1 million). The share of these banks in this market remained almost unchanged, in both amount and number of loans, in spite of their increased asset share from June 2003 to June 2004. Scope and Methodology This study provides a review of the banks’ lending activities in 2003-2004 based on two types of data reported by banks to their regulating agencies—the call reports for June 2004 (for the amount and number of outstanding loans) and the Community Reinvestment Act (CRA) reports for 2003 (for loans made during the year). Since the reported data are available only by the size of the loan (not by the size of the business), small business loans are defined as business loans under $1 million. Micro business loans are defined to include loans under $100,000. Developments in lending activities over time by banks are analyzed based on the call report statistics for various variables. However, because of the changing number of banks required to report under the CRA reporting requirements (some 1,000 large banks and bank holding companies are required to report under the CRA), year-to-year changes in the lending activities for these banks are more difficult to interpret. Large banks and bank holding companies with total domestic assets greater than $10 billion are ranked and reported separately, under the presumption that they serve a national market. Rankings by state are made for all “reporting” banks on the basis of the designated headquarters state of the reporting bank. Two ranking methods are used, depending upon the availability of data. For banks where information for total assets and total business loans are available (those filing call reports), four criteria are used as the basis for a bank’s performance ranking. A summary rank for four decile ranks is computed for each bank in the state rankings. A decile ranking is first used for individual criteria; decile rankings range from 1 to 10. Banks in the top 10 percent of all banks in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Banks that do not lend to small businesses (loans under $1 million) receive a 0. Four top scores will sum to 40. To make the top score total 100 rather than 40, each score is multiplied by 2.5. For state lending using the CRA data, banks were listed in order of the dollar amount of small business loans made in each state in 2003. Large institutions therefore appear at the top. Simple rankings were used for multibillon dollar banks and bank holding companies because only a small number of banks are involved. This report was peer reviewed consistent with Advocacy’s data quality guidelines. More information on this process can be obtained by contacting the director of economic research at advocacy@sba.gov or (202) 205-6533. Ordering Information The full text of this report and summaries of other studies performed under contract with the U.S. Small Business Administration’s Office of Advocacy are available on the Internet at www.sba.gov/advo/research. Copies are available for purchase from: National Technical Information Service 5285 Port Royal Road Springfield, VA 22161 (800) 553-6847 or (703)605-6000 TDD: (703) 487-4639 www.ntis.gov To receive email notices of new Advocacy research, press releases, regulatory communications, and publications, including the latest issue of The Small Business Advocate newsletter, visit http://web.sba.gov/ list and subscribe to the appropriate Listserv. Foreword I am pleased to provide the latest edition of the Office of Advocacy’s annual study of bank lending to small and micro businesses. The report covers both small business lending (loans of less than $1 million) and micro business lending (loans of less than $100,000) for all reporting banks and for multibillion-dollar bank holding companies for the 2003-2004 period. The source information consists of two types of data reported by banks to their regulating agencies—call reports for June 2004 and the Community Reinvestment Act (CRA) reports for year 2003. The report provides data on the top banks lending to small businesses in each state. Advocacy’s website contains additional data listing the lending activity of all banks in the 50 states and the District of Columbia. The report is useful to both small businesses seeking loans and banks comparing themselves to their competition. I encourage readers to use this as a resource—and I congratulate the banks that are doing a good job of meeting the need for capital in the small business community. The lending studies may also be viewed on the Office of Advocacy’s homepage, www.sba.gov/advo/research/lending.html. If you have questions or comments, write to the Office of Advocacy, U.S. Small Business Administration, Mail Code 3112, 409 Third St., S.W., Washington, D.C. 20416, or fax (202) 205-6928. Technical questions may be addressed to Dr. Charles Ou or Ms. Victoria Williams, at (202) 205-6530 or by e-mail: charles.ou@sba.gov or victoria.williams@sba.gov. We welcome your comments and suggestions. Thomas M. Sullivan Chief Counsel for Advocacy Contents Introduction Part One: Developments in Small and Micro Business Lending I. Findings from the June 2003-June 2004 Call Reports A. Small Business Loans Outstanding from All Reporting Banks B. Total Micro Business Loans Outstanding in the United States C. Small and Micro Business Loans Outstanding from Multibillion-Dollar Banks and BHCs II. Findings from Reports by CRA Reporting Banks for 2003 A. Small Business Lending by CRA Reporting Banks and BHCs B. Micro Business Lending by CRA Reporting Banks and BHCs Part Two: Directory of Top-ranking U.S. Small and Micro Business Lenders Appendix: Definitions, Ranking Methodology, and Table Descriptions Table Descriptions Data Tables 1 2 2 2 2 4 6 6 6 9 12 14 Following page 20 iii List of Text Tables Table A. Table B. Table C. Table D. Table E. Table F. Dollar Amount and Number of Small Business Loans, June 2002 through June 2004, by Loan Size, 3 Percent Change in the Dollar Amount of Business Loans by Loan Size, June 1997-June 2004, 3 Percent Change in the Number of Small Business Loans by Loan Size, June 1997-June 2004, 4 Share of Total Assets and Business Loans by Size of All Banks and Bank Holding Companies in the U.S., June 2002-June 2004, 5 Comparison of Assets and Business Loans Outstanding for All Banks as Reported in Call Reports and by CRA Reporting Banks, 7 Amount and Number of Loans made by CRA Reporting Banks in 2002 and 2003, 8 List of Data Tables (following page 19) Note: An expanded version of Table 3A showing data for all banks in the 50 states and the District of Columbia is available on Advocacy’s website, www.sba.gov/advo/research/lending.html. Table 1A. Small Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004, 1 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004, 3 Table 2A. Small Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003, 5 Table 2B. Micro Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003, 7 Table 3A. Banks’ Small Business Lending by State Using Call Report Data, June 2004, 9 Table 3B. Banks’ Micro Business Lending by State Using Call Report Data, June 2004, 19 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003, 29 Table 4B. Top Micro Business Lenders by State Using CRA Data, 2003, 53 Table 5. Number of Reporting Banks by Bank Asset Size and by State, 1994-2004, 80 iv Introduction Access to credit is vital for small business survival. The most important institutional supplier of credit to small firms is the commercial banking system, according to the 1998 Survey of Small Business Finances (SSBF). Of a total of $700 billion in small business credit outstanding from all credit sources at the end of 1998, commercial banks supplied 57 percent, compared with 12 percent supplied through owners’ loans and 11 percent from finance companies.1 Critical to the health and growth of a small business is knowledge of how banks are meeting small firm credit needs and which banks are investing in small businesses. Such information helps small businesses save precious time and shop efficiently for credit. It also helps banks to know about the competition in the markets in which they participate. This annual edition of Small Business and Micro Business Lending in the United States provides current data on small and micro business loans to small firms and on the banks that serve them. The study continues to combine studies on both small business and micro business lending to provide a brief review of these lending activities in 2003-2004. The study is based on two types of data reported by banks to their regulating agencies—the call reports for June 2004 and the Community Reinvestment Act (CRA) reports for 2003. Data are available only for the size of the loan and not for the size of the business. As such, the following definitions are used: • Small business loans are defined as business loans under $1 million. • Micro business loans are defined as business loans under $100,000. Part One discusses developments in small and micro business lending activities by commercial banks in the United States. The first section discusses developments apparent in the call report data; the second section discusses developments based on the CRA database. Part Two provides directories of the top small and micro business lenders in the states using both the call report and CRA data. For the reader’s convenience, national tables for multibillion-dollar banks and bank holding companies (BHCs) are presented before state tables for all banks, not because BHCs are more important in small business lending, but because the tables for them are shorter. While these two databases have limitations as indicators of both the supply of loans from commercial banks and the small business demand for bank loans, their usefulness cannot be denied—they are the only publicly available sources of information on the small business lending activities of individual banks. Accessing the Study All editions of Advocacy lending studies are on the Internet at www.sba.gov/advo/research/lending.html. Paper and microfiche copies are also available for purchase from the National Technical Information Service, telephone (703) 487-4650. Suggestions Send written comments or suggestions to the Office of Advocacy, U.S. Small Business Administration, Mail Code 3112, 409 Third St., S.W., Washington, D.C. 20416, or by fax to (202) 205-6928. Technical questions may be addressed to Dr. Charles Ou or Ms. Victoria Williams, at (202) 205-6530 or by email: charles.ou@sba.gov or victoria.williams@sba.gov. See U.S. Small Business Administration, Office of Advocacy, Financing Patterns of Small Firms: Findings from the 1998 Survey of Small Business Finances, September 2003, Chart 5, p.14. 1 Part One: Developments in Small and Micro Business Lending I. Findings from the June 2003-June 2004 Call Reports A. Small Business Loans Outstanding from All Reporting Banks Borrowing from banks continued to recover from the previous year, increasing moderately. Overall, small business loans (under $1 million) by commercial banks showed moderate increases between June 2003 and June 2004. The rate of growth in the dollar amount of all small business loans outstanding increased 5.5 percent, from $495 billion in June 2003 to $522 billion in June 2004. By comparison, small business loans grew by 2.3 percent from June 2002 to June 2003 (see Tables A, B, and C). The increase was comparable to the annual increases in borrowing between June 2000 and June 2002. The increases came primarily from the larger small business loans ($100,000 to $1 million). Medium-sized small business loans ($100,000 to $250,000) and large small business loans ($250,000 to $1 million) increased 4.95 percent and 8.4 percent, respectively (Table B). The number of these loans also increased 4.95 and 8.5 percent, respectively, during this period (Table C). The value of all business loans also increased more than in the previous year, from $1.32 trillion to $1.38 trillion, up 4.2 percent. Corporate borrowing in loan sizes over $1 million resumed, but increased at lower rates than borrowing from alternate sources in the public credit markets. As in the previous year, statistics for the smallest loans told conflicting stories, with the slight decline in loans outstanding shown in the Call report contradicted by the increased volume of lending activities shown in the CRA data. B. Total Micro Business Loans Outstanding in the United States Changes in the value and the number of the smallest size loans (under $100,000) remain difficult to interpret because of continued efforts by major small business credit card issuers to consolidate their data reporting. Further complicating interpretation are the merger and acquisition activities of credit card institutions, as well as credit card operations among commercial banks, federal saving banks, and commercial finance companies.2 During 2003-2004, the number and the dollar amounts of loans under $100,000 declined further, although at lower rates than in the previous year. The number of these smallest business loans outstanding declined from 14.1 million to 13.6 million, a 3.6 percent drop; the value declined from $125.7 billion to $125.3 billion in June 2004, a decline of 0.31 percent (Tables B and C). These declines appear, again, to be an accounting phenomenon.3 Moreover, it appears that most major small business credit card lenders continued to promote small business credit cards and reported continued increases in the number and dollar amounts of the smallest loans in the CRA report for loan activities in 2003.4 Statistics from the 2003 CRA study indicated that the rates of increase in the number and dollar amounts of loans made in 2003 were comparable for the smallest loans (under $100,000) and medium-sized loans ($100,000 to under $1 million).5 2 The importance of small business credit card accounts in this size category and the difficulty of separating credit card accounts from special purpose business lending contribute to the difficulty in interpreting the movement in lending activities for this loan size category. For example, continued efforts by banks such as BB&T to consolidate credit card accounts held by employees under the same employer and the accounts in Fleetboston Financial Corp. after merger with the Bank of America contributed much to adjustments. In addition, the numbers used in the analysis include adjustment in the statistics reported by American Express Centurion Bank, one of the largest business card issuers, because American Express has transferred most small business lending activities to a new federal savings bank since the beginning of 2004, thus not reported in the call report database utilized in this study. Without adjustment, statistics from June 2004 call report showed an even larger decline. Moreover, one major credit card bank, Capital One, reported in the CRA report (Federal Savings Bank file) large increases in the number and dollar amounts of loans made that are not captured in the call report data for commercial banks in this study. 3 4 The rates of increase in the number and dollar amounts of loans for 998 BHC/banks for 2003 were 7.4 percent and 9.7 percent for the smallest and larger sized small business loans, as compared with a 7.7 percent increase in total domestic asset for the group. 5 2 Table A. Dollar Amount and Number of Small Business Loans, June 2002 through June 2004, by Loan Size (Dollars in Billions, Numbers in Millions) Loan Size Under $100,000 $100,000 to under $250,000 Under $250,000 $250,000 to under $1 million Under $1 million Total Business Loans Dollars Number Dollars Number Dollars Number Dollars Number Dollars Number Dollars 2002 128.9 15.65 96.1 0.846 225.0 16.50 259.0 0.744 484.0 17.24 1307.0 2003 125.7 14.09 98.3 0.828 224.0 14.92 271.1 0.751 495.1 15.67 1318.1 2004 125.3 13.58 103.1 0.87 228.4 14.45 293.9 0.81 522.3 15.26 1373.3 Percent Change 2003-2004 -0.32 -3.62 4.88 4.82 1.96 -3.15 8.41 8.00 25.49 -2.62 4.19 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. Table B. Percent Change in the Dollar Amount of Business Loans by Loan Size, June 1998-June 2004 Loan size 199719981 199819992 199920002 20002001 20012002 20022003 20032004 <$100,000 $100,000-250,000 $250,000-$1million >$1 million 1 2 3.0 8.1 7.7 13.0 2.5 6.3 11.2 14.6 6.7 8.5 11.8 16.1 4.4 4.1 6.4 0.9 1.7 4.9 7.0 -4.8 -2.49 2.26 4.72 0 -0.31 4.87 8.42 3.40 Changes for 1997-1998 were estimated based on revised estimates for Keycorp in 1997. So that 1998-1999 trends could be shown, 1998 figures were revised to exclude the credit card operation of Mountain West Financial, which was purchased by a nonbank financial intermediary and thus excluded from 1999 data. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. 3 Table C. Percent Change in the Number of Small Business Loans by Loan Size, June 1997-June 2004 Loan size 199719981 199819992 199920002 20002001 20012002 20022003 20032004 <$100,000 $100,000$250,000 $250,000$1 million 1 2 19.3 1.8 1.4 10.1 5.4 7.6 26.9 7.0 8.4 10.1 5.9 7.0 45.0 8.8 9.8 -9.96 -2.12 0.92 -3.64 4.93 8.52 Changes for 1996-1997 and 1997-1998 were estimated based on revised estimates for Keycorp in 1997. So that 1998-1999 trends could be shown, 1998 figures were revised to exclude the credit card operation of Mountain West Financial, which was purchased by a nonbank financial intermediary and thus excluded from 1999 data. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. C. Small and Micro Business Loans Outstanding from Multibillion-Dollar Banks and BHCs Bank consolidations continued during June 2003 and June 2004 as indicated by the large increases in total domestic assets, in excess of 20 percent growth, for several large bank holding companies. The increasing importance of large banking institutions in the U.S. banking sector is indicated in Table D.6 The number of multibillion dollar banks and bank holding companies (with total domestic assets or more than $10 billion) increased from 67 to 72 by June 2004. They accounted for 75.3 percent of total banking assets and 63 percent of total business loans. However, the importance of these entities in the small business loan markets varied. In the market for loans under $100,000, their importance continued to increase, accounting for 50 percent of the market in value and 67 percent in the number of loans in June 2004, as compared with 48 percent and 64 percent, respectively, in June 2003. This trend confirms the continued consolidation in the small business credit card market. In the market for loans between $100,000 and $1 million, large banks remained passive in promoting business. Their share in this market remained almost unchanged, in both amount and number of loans, in spite of the increased asset share of these banks from June 2003 to June 2004. This poses the question of whether very large banks are moving away from higher-cost small business lending to lower-cost micro business credit card-credit line lending. It will be important to continue monitoring this development as banking concentration continues.7 6 Table E is derived by combining the files of reporting banks and BHCs. Reporting members of a BHC are consolidated. The number of U.S. banking institutions as of June 2003 was 6,572: 1,575 non-BHC banks and 4,997 BHCs. Two Advocacy studies have found that lending to small businesses by very large banks declined as the pace of banking consolidation accelerated over the recent past. See P.M Keypoint (above) and S. Craig and P. Hardee, The Impact of Bank Consolidation on Small Business Credit Availability, under contract no. SBA HQ -01-R-0005 with the Office of Advocacy. 7 4 Table D. Share of Total Assets and Business Loans by Size of All Banks and Bank Holding Companies in the U.S., June 2002-June 2004 (percent, except figures for number of banks) Asset size of bank/BHC $10 billion to $50 billion $1 billion to $10 billion $500 million to $1 billion Under $500 million All banks and BHCs Over $50 billion June 30, 2002 Number of banks/BHCs Micro business loans (under $100,000) Small business loans ($100,000-$1 million) Total business loans Total domestic assets June 30, 2003 Number of banks/BHCs Micro business loans (under $100,000) Small business loans ($100,000-$1 million) Total business loans Total domestic assets June 30, 2004 Number of banks/BHCs Micro business loans (under $100,000) Small business loans ($100,000-$1 million) Total business loans Total domestic assets Amount Number Amount Number Amount 22 34.27 53.44 28.83 28.58 46.64 59.36 Amount Number Amount Number 22 33.61 51.10 29.62 29.43 49.30 58.48 Amount Number Amount Number 19 31.01 38.27 29.58 32.01 49.33 55.53 Over $10 billion 45 15.36 21.69 16.51 16.18 17.49 17.78 64 46.36 59.96 46.08 48.18 66.82 73.31 233 12.96 21.04 18.69 18.05 14.40 11.55 321 6.38 6.42 8.86 8.37 5.21 3.69 5,954 34.30 12.58 26.37 25.40 13.56 11.45 6,572 100 100 100 100 100 100 45 14.01 13.18 14.99 15.05 15.54 15.84 67 47.62 64.28 44.60 44.48 64.84 74.32 272 12.99 18.19 19.14 19.46 15.39 11.36 357 6.84 6.65 8.96 8.91 5.65 3.72 5,798 32.55 10.88 27.29 27.15 14.12 10.61 6,494 100 100 100 100 100 100 50 15.45 14.04 16.16 16.02 16.62 15.96 72 49.72 67.48 45.00 44.59 63.26 75.32 300 13.08 14.81 19.96 20.02 16.83 11.19 345 6.12 6.74 8.24 8.24 5.40 3.33 5,706 31.08 10.98 26.80 27.15 14.52 10.17 6,423 100 100 100 100 100 100 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. 5 II. Findings from Reports by CRA Reporting Banks for 2003 A. Small Business Lending by CRA Reporting Banks and BHCs CRA data provide information on the location of loans made by a bank or a BHC during a certain time period, for example, from January 1 through December 31 of the year. This section provides a profile of the overall activities in small business lending by large banks and BHCs reporting under the CRA program in 2003.8 A comparison of the coverage of reporting institutions in the call reports (for all banks) and in the CRA reporting banks appears in Table E; these banks and bank holding companies accounted for 88 percent of total domestic assets and some 65 percent to 75 percent of small business lending in the U.S. banking industry. In 2003, a total of $248.0 billion in small business loans under $1 million were extended by 998 CRAreporting banks and bank holding companies, compared with $227.5 billion in 2002 (Table F) extended by 905 entities.9 The CRA data confirm the findings in the call report data of the importance of multibillion-dollar banks and bank holding companies in the market for the smallest loans, and also their declining share of the larger small business loans ($100,000-$1 million).10 B. Micro Business Lending by CRA Reporting Banks and BHCs Large banks and bank holding companies made 5.6 million micro business loans valued at $78 billion in 2003, compared with 5.3 million loans valued at $73 billion in 2002. Total domestic assets for these banks increased from $5.80 trillion for 905 entities in June 2003 to $6.25 trillion for 998 banks and bank holding companies. These banks accounted for 67.1 percent of the dollar amount and 73.6 percent of the number of micro business loans outstanding in June 2004, compared with 69.4 percent of the dollar amount and 73.1 percent of the number in June 2003 (Table E). 8 A total of 998 banks and BHCs with links to call reports were found to report their small business lending for 2003. However, they accounted for 88 percent of the total domestic assets of all banks in the United States. Information about the total assets of 31 banks and BHCs were not available from the call reports. 9 It is difficult to compare changes in lending over time using CRA data because of the changes in the bank coverage under CRA reporting. For example, total assets for the CRA reporting banks increased from $5.8 billion in June 2003 to $6..3 billion in June 2004: the increases could have come from 1) increased coverage of the banks filing reports as well as 2) the acquisition of small non-reporting banks by large banks/BHCs. In addition, only those banks whose call reports were identified and linked (to derive asset information) are included in these estimates. Total domestic assets of BHCs are used here. Details on CRA data consolidation for all members of a BHC were described in the 2000 edition of this report. 10 6 Table E. Comparison of Assets and Business Loans Outstanding for All Banks as Reported in Call Reports and by CRA Reporting Banks (billions of dollars) Loan Sizes Business Loans <$100,000 Business Loans $100,000-$250,000 Business Loans <250,000 Business Loans $250K-$1 Million Business Loans <$1 Million Total Business Loans Total Assets Number of Banks/BHCs Call Report Banks (CRBs) 2004 125.3 103.1 228.4 294.0 522.3 1,373.2 7,100.8 6,423 CRA-Covered Banks (CRA) 2004 84.0 75.9 159.9 225.7 385.6 1,184.4 6,247.3 998 CRA/CRBs (percent) 2004 67.1 73.6 70.0 76.8 73.8 86.5 88.0 CRA/CRBs (percent) 2003 69.4 73.1 71.0 76.2 73.9 87.0 87.8 CRA/CRBs percent) 2002 67.4 73.0 69.8 76.3 73.3 86.9 86.2 ** A smaller number of SBL (under $100,000) is partly caused by the exclusion of loans made by Fleet Financial Corporation in 2003 because the bank had ceased to exist by the time of the June 2004 report ( acquired by Bank of America) . Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. 7 Table F. Amount and Number of Loans made by CRA Reporting Banks in 2002 and 20031 (amounts in billions of dollars) Bank Asset Size Loan Sizes Amount/ Number More than $50 Billion Number Percent $10 Billion to $50 Billion Number Percent $1 Billion to $10 Billion Number Percent Less than $1 Billion Number Percent All CRA Banks Number Percent 2002 Number of Bank/BHC Under $100,000 Amount Number $100,000-$1 Million Amount Number Under $1 Million Amount Number Total Assets 2 2 22 37.25 2,862,815 58.26 164,040 95.51 3,026,855 3,863.79 649.77 51.11 54.08 37.68 36.16 41.98 52.67 66.59 56.68 40 13.37 883,409 34.61 100,080 47.98 983,489 934.73 204.69 18.34 16.69 22.38 22.06 21.09 17.11 16.11 17.86 249 15.36 1,323,199 38.63 116,050 53.99 1,439,249 685.46 195.10 21.07 25.00 24.98 25.58 23.73 25.04 11.81 17.02 594 6.91 223,755 23.14 73,444 30.05 297,199 317.96 96.76 9.48 4.23 14.96 16.19 13.21 5.17 5.48 8.44 905 72.88 5,293,178 154.64 453,614 227.53 5,746,792 ,801.94 1,146.31 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 Amount Amount Total Business Loans 2003 Number of Bank/BHC Under $100,000 Amount Number $100,000-$1 Million Amount Number Under $1 Million Amount Number Total Assets2 Total Business Loans 2 21 42.64 3,246,616 62.04 172,582 104.68 3,419,198 4,158.43 640.43 54.47 58.36 36.55 34.99 42.20 56.46 66.56 53.93 42 12.23 802,630 36.96 105,411 49.18 908,041 997.48 213.40 15.62 14.43 21.77 21.37 19.83 14.99 15.97 17.97 283 14.87 1,116,051 44.96 133,082 59.83 1,249,133 752.32 227.10 19.00 20.06 26.49 26.99 24.12 20.63 12.04 19.13 652 8.54 397,756 25.79 82,095 34.34 479,851 339.09 106.50 10.91 7.15 15.20 16.65 13.84 7.92 5.43 8.97 998 78.28 5,563,053 169.75 493,170 248.03 6,056,223 6,247.32 1,187.44 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 Amount Amount 1 For 905 and 998 banks/BHCs with balance sheet items identified from call reports respectively in June 2003 and June 2004. 2 As of June 2004. 3 As of June 2004. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2004 call reports (Consolidated Reports of Condition and Income for U.S. Banks prepared for the Office of Advocacy by James Kolari, A&M University, College Station Texas. 8 Part Two: Directory of Top-ranking U.S. Small and Micro Business Lenders Small business lending and borrowing are mostly local in nature: both the borrowers and the lending offices are located in the same community or in communities nearby. In an effort to provide information that will help small businesses shop more efficiently for credit and let banks know about their competitors in small business lending, the Office of Advocacy prepares a directory of small and micro business lenders. The business lending performance of individual banks and bank holding companies is ranked for the national market and in each state. Tables 1A through through 2B rank multibillion banks and bank holding companies in the national market, while Table 3A through Table 4B rank them in individual states. Information for all reporting banks (Table 3A) is available at the Advocacy website, www.sba.gov/advo/research/lending.html. Table 1A. Small Business Lending of Large Banks and BHCs in the U.S. Based on Call Report Data, June 2004 Table 1A ranks the small business lending levels of the 72 banks and bank holding companies with total domestic assets in excess of $10 billion each.11 Each bank is ranked from 1 to 70, with two banks not ranked, on each of four variables, which then are totaled and re-ranked from 1 to 70. The top five small business lenders in June 2004, based on call report data, are: American Express Centurion Bank; Regions Financial Corporation (3rd in 2003); BB&T Corporation (2nd in 2003); Synovus Financial Corp (4th in 2003); and First Citizens Bancshares (5th in 2003) The top five banks remain the same from the previous year. Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004 Table 1B ranks the micro business lending of the 72 banks and bank holding companies with total domestic assets in excess of $10 billion each.12 Each bank is ranked from 1 to 67 on each of four variables, which then are totaled and re-ranked from 1 to 67; five banks and bank holding companies are not ranked because of missing data. The top five lenders as of June 2004 are: American Express Centurion; Citigroup, Inc. (2nd in 2003); BNA Corporation (3rd in 2003); Wells Fargo (4th in 2003); and BB&T Corporation (5th in 2003).13 As discussed in the main text, two major credit card banks—American Express Centurion Bank (since March 2004) and Capital One Bank have organized Federal savings bank to conduct their small business credit card operation and, as a result, their submitted Call reports are not included in the call report filing for commercial banks—the focus of this statistical effort. Statistics for Capital One Bank are, therefore, not available in this ranking. 12 13 11 The four criteria used are the same as those for Table 1A. It is important to remind the readers that banks, including BHC subsidiaries, that participate in the U.S. Small Business Administration’s (SBA) preferred or certified lenders’ programs are active small business lenders. For details, www.sba.gov/financing/sbaloans. 9 Table 2A. Small Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Table 2A ranks large banks and bank holding companies’ small business lending using CRA data. Information from call reports was employed in combination with the CRA data to perform the fourvariable ranking. As in the previous studies, data covering the members of a BHC were first consolidated to generate estimates for the BHC owning company. Since CRA data provide locationspecific information for a bank’s small business lending, information on the number of states (and territories) in which the bank or BHC has lending operations is also provided. Because of the importance of small business credit card promotion by large banks and large BHCs, large credit card banks have been included in the ranking since 2002.14 The five top small business lenders for 2003, using CRA data, are American Express Centurion Bank; Regions Financial Corporation (2nd in 2002); BB&T (3rd in 2002); Synovus Financial Corporation (4th in 2002); and MBNA Corporation (6th in 2002). Table 2B. Micro Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Table 2B ranks large banks’ micro business lending using CRA data. Information from call reports was employed in combination with the CRA data to perform the four-variable ranking. As in the previous studies, data from the members of a BHC were first consolidated to generate estimates for the BHC owning company. CRA location-specific information on banks’ small business lending was the source for the data on the number of states in which the bank has substantial lending operations. Because of the importance of small business credit card promotion by large banks and BHCs, large credit card banks such as American Express and MBNA are included in the ranking since 2002.15 The five top small business lenders for 2003, using CRA data, are American Express Centurion Bank; MBNA Corporation (3rd in 2002); Citigroup, Inc. (2nd in 2002); Wells Fargo (4th in 2002); and BB&T Corporation (5th in 2002).16 Table 3A. Banks’ Small Business Lending by State Using Call Report Data, June 2004 Table 3A provides a list of the top banks lending to small businesses in individual states. The list includes the top 10 banks or the top 10 percent, whichever number is smaller. (Ties may increase the number.) The small business lending performance of a bank in a given state is measured on four criteria. The four rankings were summed to create a score for the small business lending activities of individual banks. A bank’s total score is the sum of the four individual decile rankings multiplied by 2.5. A complete ranking of all banks in each state is provided on the Advocacy website, www.sba.gov/advo/research/lending.html. Note again that because the call report data are keyed to the bank headquarters location rather than the location of the lending activity, a significant amount of lending activity by large banks will not appear in the states where the activity occurs. Beginning in March 2004, American Express began conducting small business lending operation under a separate Savings bank operation—American Express Savings Bank. Also, Capital One Bank has been conducting small business credit card operation under a savings bank charter since 2003. 15 16 14 See also footnote 11 about Capital One, another major small business credit card lender. See also footnote 11 about the importance of Capital One as a micro business lender. 10 Table 3B. Banks’ Micro Business Lending by State Using Call Report Data, June 2004 Table 3B provides a list of banks making micro business loans (loans under $100,000) in individual states. The list includes the top 10 banks or the top 10 percent, whichever number is smaller. (Ties may increase the number.) The micro business lending performance of a bank in a given state is measured on four criteria. The four rankings were summed to create a score for the micro business lending activities of individual banks. A bank’s total score is the sum of the four individual decile rankings multiplied by 2.5. Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 State lending information for large banks and BHCs is best captured in the CRA database. Table 4A provides a list of top small business lenders in a given state using CRA data. The list includes banks and BHCs with small business lending in a given state in excess of $50 million in 2003. Data for the members of a BHC were consolidated first to generate estimates for the owning BHCs. Consolidated estimates are then derived for each bank/BHC in each state. Rankings are based solely on the dollar amount of small business lending (loans under $1 million) in this table because of the difficulty of generating two ratio variables for these banks and BHCs by state. Clearly, large banks and BHCs have an important role in the small business loan markets in many states. Table 4B. Top Micro Business Lenders by State Using CRA Data, 2003 Table 4B provides a list of top micro business lenders in a given state using CRA data. The list includes banks and BHCs with micro business lending in a given state in excess of $10 million in 2003. Again, rankings are based solely on the dollar amount of micro business lending (loans under $100,000) in this table for the reasons discussed above. 11 Appendix: Definitions, Ranking Methodology, and Table Descriptions Definitions Call Report Data. Call reports, officially known as Consolidated Reports of Condition and Income, are quarterly reports filed by financial institutions with their appropriate bank regulators. The call reports provide detailed information on the current status of a financial institution—end-of-the-quarter balance sheet items (such as assets, loans, deposits, and net worth) and the income and expenses in the income statement. Section 122 of the Federal Deposit Insurance Corporation Improvement Act of 1991 requires financial institutions to report the number and amount of small business loans annually. This information is provided in the quarterly report issued each June. For this reason, call report data is compiled over the year running from July 2003 to June 2004. The call reports on which Tables 1 and 3 of this study are based provide various bank data, including the number and dollar amount of loans outstanding by loan size for business loans of less than $1 million. Asset size is that of the reporting bank, not the owning BHC. Community Reinvestment Act Data. The Community Reinvestment Act (CRA), enacted in 1977, is designed to encourage banks to meet the credit needs of the local communities from which they obtain deposited funds. In 1994 the federal banking supervisory agencies revised the regulations implementing the CRA. The revisions included a requirement that banks report data on small business lending by census tract. CRA data for small business loans became available for public use in 1997. To minimize the paperwork burden on small banks, only those above a certain threshold are required to provide this data. Hence, only banks with assets over $250 million or any member banks of a bank holding company (BHC) with assets over $1 billion provide this information. In effect, less than 20 percent of banks are required to file CRA reports, but these banks make some two-thirds of the loans to small businesses. The CRA data in this report contain information on lending to small businesses for the calendar year 2003. The lending information is classified by the borrower’s location, rather than the location of the bank headquarters, as is the case in the call reports. In addition, whereas call reports provide data on the number of loans outstanding as of June 30 or the stock of loans, CRA data show all the loans made in the calendar year, or the flow of loans. And whereas call reports provide information on all commercial banks, CRA data cover only the larger banks. For bank holding companies, only consolidated CRA information is reported. Total small business lending in the state by the BHC is then derived for the state lending statistics and listed under the name of the ultimate lending bank or BHC. To reiterate, the CRA data show: • • Loans made in a calendar year, not the outstanding loans as of June of the year as shown in the call reports. Data only for banks with more than $250 million in assets and all member banks of holding companies with more than $1 billion in assets (whereas the call reports cover all commercial banks). Call report and CRA data tell only a part of the story about lending to small business, namely the commercial banking part. Small businesses certainly have access to other sources of credit, such as their suppliers, finance companies, family and friends. Additionally, some lending information may not be reported in call reports or CRA data, or may not be discernible as small business financing. For example: 12 • • Banks may provide lines of credit to small firms. If the line of credit is not used, it will not be reported as a loan. Banks may issue consumer credit cards or other forms of consumer credit to small businesses for working capital (e.g., to buy office equipment). Banks may report these as either small business or consumer loans. Loans to small businesses are often made in the form of a second mortgage on the business owner’s home and/or personal lines of credit. Small business owners may use their personal credit cards to finance their businesses. • • Ranking Methodology When possible, four variables were used to create a total score for the small business lending activities of individual banks: (1) the ratio of small business loans to total assets, (2) the ratio of small business loans to total business loans, (3) the dollar value of small business loans, and (4) the number of small business loans. The total ranking summarizes the four individual scores. Small banks tend to score higher in some categories than larger banks, and vice versa. For example, smaller banks have a higher percentage of total assets in small business loans, but larger banks lead in the sheer number and value of small loans. Using two ratio variables and two value variables allows a more balanced measure of lending performance by banks of different sizes.17 For large banks and BHCs in the call reports (Tables 1A and 1B), simple rankings from 1 and up were performed for each of the four variables first, with “1” for the top ranking. The four individual rankings were summed and re-ranked from 1 and up again for the total rank. For banks using CRA data (Tables 2A and 2B), ratio information was retrieved from call report data and used in combination with information from the CRA to perform Advocacy’s four-variable scheme for ranking. Again, simple rankings were performed and summed to obtain total rankings. To rank lending by all banks in a state based on call report data (Tables 3A and 3B), a decile ranking is used instead of a simple ranking. This is justified because of a much larger number of banks in a given state.The decile ranking is a measure of where the individual bank falls in the distribution of all banks within a state for any given variable. Decile rankings range from 1 to 10. Banks in the top 10 percent of all banks in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Banks that do not lend to small businesses (loans under $1 million) receive a 0. Four top scores will sum to 40. To make the top score total 100 rather than 40, each score is multiplied by 2.5. For state lending using the CRA data (Tables 4A and 4B), banks were listed in order of the dollar amount of small business loans made in each state in the year. Large institutions therefore appear at the top. 17 With the exception of those financial holding companies that organize special credit lending institutions such as a federal savings bank or commercial bank to conduct business lending. For example, by organizing a special business lending savings bank, American Express Savings Bank will have even higher values for the two ratio criterion used in the ranking process. 13 Table Descriptions Table 1A. Small Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004 This table uses call report data to rank the small business lending of the large BHCs on the basis of four criteria that measure the small business lending emphasis in a bank’s loan portfolio. Small business loans (SBLs) are defined as loans under $1 million. 1. Overall Ranking (Total Rank). Summary small business lending rankings of BHCs with respect to loans under $1 million. A simple ranking of 1 and up is made for each criterion and the total rank derived from the sum of the four rankings from data found in columns 2-5. 2. Ratio of Small Business Loans to Total Assets (LSBL/TA). The ratio of the dollar value of small business loans under $1 million to total bank assets for each bank holding company. For the 72 large bank/BHCs, the ratios of small business loans to total assets ranged from near 0 percent to a high of 0.427 (for American Express Centurion). 3. Ratio of Small Business Loans to Total Business Loans (LSBL/TBL). For the 72 large banks and BHCs, the ratios of the value of small business lending to total business lending ranged from near 0 percent to 1.00 percent (for American Express Centurion). 4. Total Dollar Amount of Small Business Lending by the BHC (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million. 5. Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million. 6. Bank/BHC Asset Size Class (Bnk. Size). Asset size class of the bank/BHC: • • $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) 7. Total Dollar Amount of Micro Business Loans (SSBL$). Similar to column 4, but for loans of less than $100,000, in thousands of dollars. 8. Total Number of Micro Business Loans (SSBL#). Similar to column 5, but for loans of less than $100,000. 9. Total Dollar Amount of Large-Size Small Business Loans (LSBL(2)$ ). Similar to column 4, but for loans between $100,000 and $ 1million, in thousands of dollars. 10. Total Number of Large-Size Small Business Loans (LSBL(2)# ). Similar to column 5, but for loans between $100,000 and $1 million. 11. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Table 1B: Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004 This table uses call report data to rank the micro business lending of the large BHCs on the basis of four criteria that measure the micro business lending emphasis in a bank’s loan portfolio. Micro business loans (SSBLs) are defined as loans under $100,000. 14 1. Overall Ranking (Total Rank). Summary micro business lending rankings of banks and BHCs with respect to loans under $100,000. A simple ranking of 1 and up is made first and the total rank is derived from the sum of four rankings from data found in columns 2 through 5. 2. Ratio of Micro Business Loans to Total Assets (SSBL/TA). The ratio of the dollar value of micro business loans under $100,000 to total bank assets for each bank holding company. For the 72 large BHCs, the ratios of micro business loans to total assets ranged from near 0 percent to 0.427 (for American Express Centurion). 3. Ratio of Micro Business Loans to Total Business Loans (SSBL/TBL). For the 72 large BHCs, the ratios of the value of micro business lending to total business lending ranged from near 0 percent to 1.000 percent (for American Express Centurion because of the dominance of business credit cards and small credit lines in the bank’s business loans). 4. Total Dollar Amount of Micro Business Lending by the Bank/BHC (SSBL$). The total dollar amount (in thousands) of micro business loans of less than $100,000. 5. Total Number of Micro Business Loans (SSBL#). The number of micro business loans of less than $100,000. 6. Bank/BHC Asset Size Class (Bk. Size). Asset size class of the bank/BHC: • • $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) 7. Total Dollar Amount of Small Business Loans (LSBL$). Similar to column 4, but for loans of less than $1 million, in thousands of dollars. 8. Total Number of Small Business Loans (LSBL#). Similar to column 5, but for loans of less than $1 million. 9. Total Dollar Amount of Large-Size Small Business Loans (LSBL(2)$ ). Similar to column 4, but for loans between $100,000 and $1 million, in thousands of dollars. 10. Total Number of Large-SizeSmall Business Loans (LSBL(2)# ). Similar to column 5, but for loans between $100,000 and $1 million. 11. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Table 2A: Small Business Lending of Large Banks and BHCs Using CRA Data, 2003 Table 2A uses both CRA and call report data to rank-order the 63 largest banks and BHCs on the basis of four criteria that measure the small business lending performance for a bank. Two ratio variables were derived from the call reports while the two value variables are from the CRA data. 1. Total Rank. Summary “small business performance” rankings of BHCs with respect to loans under $1 million. A simple ranking of 1 through 63 for each of the four variables is performed first and the sum of the four scores is used to derive the total rank. The four criteria used are described in this table in columns 2 through 5. 2. The Ratio of Small Business Loans to Total Assets (LSBL/TA). This column shows the ratio of small business loans (<$1 million) to total assets for each bank. A high ratio indicates a bank’s willingness to place a large portion of its assets in small business lending. 15 3. The Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each bank. Banks that make business loans predominantly to small firms will rank high in this category 4. Total Dollar Amount of Small Business Lending by the Bank (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million. 5. Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million. 6. No. of States w/ Loans. The number of states (and territories) where the bank extended small business loans. 7. Bank/BHC Asset Size Class (Bk. Size). Asset size class of the bank/BHC: • • $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) 8. Total Dollar Amount of Micro Business Loans under $100,000 by the Bank (SSBL$). Similar to column 4, but for loans of less than $100,000, in thousands of dollars. 9. Total Number of Micro Business Loans under $100,000 by the BHC (SSBL#). Similar to column 5, but for loans of less than $100,000. Table 2B: Micro Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Table 2B uses both CRA and call report data to rank order 63 large BHCs on the basis of four criteria that measure the micro business lending performance for a BHC. Two ratio variables were derived from the call reports. 1. Total Rank. Summary “micro business performance” rankings of BHCs with respect to loans under $1 million. A simple ranking of 1 through 63 for each of the four variables is performed first and the sum of the four scores is used to derive the total rank. The four criteria used are described in this table as items 2 through 5. 2. The Ratio of Micro Business Loans to Total Assets (SSBL/TA). This column shows the ratio of micro business loans (<$100,000) to total assets for each bank. A high ratio indicates a bank’s willingness to place a large portion of its assets in small business lending. 3. The Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (SSBL/TBL). The ratio of micro business loans (<$100,000) to total business loans for each bank. Banks that make business loans predominantly to small firms will rank high in this category. 4. Total Dollar Amount of Micro Business Lending by the Bank (SSBL$). The total dollar amount (in thousands) of micro business loans of less than $100,000. 5. Total Number of Micro Business Loans (SSBL#). The number of micro business loans of less than $100,000. 6. No. States w/Loans. The number of states (territories) where the bank extended micro business loans. 16 7. Bank/BHC Asset Size Class (Bk. Size). Asset size class of the bank/BHC: • • $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) 8. Total Dollar Amount of Small Business Loans by the Bank (LSBL$). Similar to column 4, but for loans of less than $1 million, in thousands of dollars. 9. Total Number of Small Business Loans by the Bank (LSBL#). Similar to column 5, but for loans of less than $1 million. Table 3A. Banks’ Small Business Lending by State Using Call Report Data, June 2004 1. Total Score (Total Rank). The total rank found in the first column is the score of the commercial bank in the state in which it is listed. The number is the aggregate measure of small business lending activity based on the sum of the four individual decile scores provided in the expanded version of Table 3A found on Advocacy’s webpage, www.sba.gov/advo/research/lending.html. 2. The Ratio of Small Business Loans to Total Assets (LSBL/TA). This column shows the ratio of small business loans (<$1 million) to total assets for each bank. A high ratio indicates a bank’s willingness to place a large portion of its assets in small business lending. 3. The Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each bank. Banks that make business loans predominantly to small firms will rank high in this category. 4. Total Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of small business loans (<$1 million) outstanding as of June 30, 2004 from the bank. Larger banks will score well in this column and in column 5 because their size allows them to make more small loans than smaller banks, even if their demonstrated commitment to small business lending, as shown by the ratios in columns 2 and 3, is low. 5. Total Number of Small Business Loans (LSBL#). The total number of small business loans (<$1 million) outstanding for each bank. 6. Bank Asset Size (Bnk. Sz.). The asset size class of the reporting bank: • • • • • Under $100 million (<$100M) $100 million to under $500 million ($100M–$500M) $500 million to under $1 billion ($500M–$1B) $1 billion to under $10 billion ($1B–$10B) $10 billion and over (>$10B) 7. Total Score of Micro Business Loans (Total Rank). The total score of the banks based on their micro business lending. The total score is the sum of the four scores with respect to micro business loans of less than $100,000. A firm looking for a loan of less than $100,000 might want to seek out a bank that ranks high in this column (and/or from table 3B). 17 8. Dollar Amount of Small Business Loans (SSBL$). The dollar value (in thousands) of micro business loans of less than $100,000. 9. Number of Small Business Loans (SSBL#). The number of small business loans of less than $100,000 made by the bank. 10. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Table 3B. Banks’ Micro Business Lending by State Using Call Report Data, June 2004 1. Total Score (Total Rank). The total found in the first column is the score of the commercial bank in the state in which it is listed. The number is the aggregate measure of small business lending activity based on the sum of the four individual scores provided on the website. 2. The Ratio of Micro Business Loans to Total Assets (SSBL/TA). This column shows the ratio of micro business loans (<$100,000) to total assets for each bank. A high ratio indicates a bank’s willingness to place a large portion of its assets in small business lending. 3. The Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (SSBL/TBL). The ratio of micro business loans (<$100,000) to total business loans for each bank. Banks that make business loans predominantly to small firms will rank high in this category. 4. Total Dollar Amount of Micro Business Loans (SSBL$). The dollar value (in thousands) of micro business loans (<$100,000) outstanding from the bank. Larger banks will score well in this column and in column 5 because their size allows them to make many small loans, even if their commitment to micro business lending, as shown by the ratios in columns 2 and 3, is low. 5. Total Number of Micro Business Loans (SSBL#). The total number of micro business loans (<$100,000) outstanding for each bank. 6. Bank Asset Size (Bnk. Asset Sz.). The asset size class of the reporting bank: • • • • • Under $100 million (<$100M) $100 million to under $500 million ($100M–$500M) $500 million to under $1 billion ($500M–$1B) $1 billion to under $10 billion ($1B–$10B) $10 billion and over (>$10B) 7. Total Score of Small Business Loans (Total Rank). The total score of the banks based on their small business lending. The total score is the sum of the four scores with respect to small business loans of less than $1 million. A firm looking for a loan of less than $1 million might do well to seek out a bank that ranks high in this column (and/or from Table 3A). 8. Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of micro business loans of less than $1 million. 18 9. Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million made by the bank. 10. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Table 4A Top Small Business Lenders by State Using CRA Data, 2003 Table 4A is formatted differently from Table 3A because only CRA data are used. The table lists the bank name—the name of the owning bank or bank holding company—as well as the home state of the bank. Banks/BHCs are ranked on the basis of the dollar amount of small business loans (under $ 1 million) made in 2003. The table also provides the dollar amount and number of small business loans for micro loans under $100,000 and for large-sized loans between $100,000 and $1 million. Only banks with small business loan totals in excess of $50 million in a given state in 2003 are listed. 1. Amount of Small Business Loans (LSBL$). The dollar amount, in thousands, of loans under $1 million made in 2003. 2. Number of Small Business Loans (LSBL#). The number of loans of less than $1 million made. 3. Bank Asset Size (Bk Size): The total assets of the owning bank by size category: • • • • Under $1 billion (<$1B) $1 billion to under $10 billion ($1B-$10B) $10 billion to $50 billion ($10B-$50B) $50 billion and over (>$50B) 4. Dollar Amount of Micro Business Loans (SSBL$). The dollar amount, in thousands, of loans of less than $100,000. 5. Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000. 6. Dollar Amount of Large-Size Small Business Loans (LSBL(2)$ ). The dollar amount, in thousands, for loans between $100,000 and $ 1million. 7. Number of Large-Size Small Business Loans (LSBL(2)# ). The number of larger small business loans for loans between $100,000 and $1 million. Table 4B Top Micro Business Lenders by State Using CRA Data, 2003 Table 4B, similar to Table 4A, lists the bank name—the name of the owning bank or bank holding company—as well as the home state of the bank. Banks are ranked on the basis of the dollar amount of loans made in 2003. The table provides the dollar amount and number of micro business loans under $100,000, supplemented by larger loans between $100,000 and $1 million, and small business loans under $1 million. Only banks with micro business loan totals in excess of $10 million in a given state in 2003 are listed. 1. Amount of Micro Business Loans (SSBL$). The dollar amount, in thousands, of loans under $100,000 made in 2003. 19 2. Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000 million made. 3. Bank Asset Size (Bk. Size). The total assets of the owning bank by size category: • • • • Under $1 billion (<$1B) $1 billion to under $10 billion ($1B-$10B) $10 billion to $50 billion ($10B-$50B) $50 billion and over (>$50B) 4. Dollar Amount of Small Business Loans (LSBL$). The dollar amount, in thousands, of loans of less than $1 million. 5. Number of Small Business Loans (LSBL#): The number of loans of less than $1 million. 6. Dollar Amount of Large-Size Small Business Loans (LSBL(2)$ ). The dollar amount, in thousands, for loans between $100,000 and $1 million. 7. Number of Large-Size Small Business Loans (LSBL(2)# ). The number of larger small business loans for loans between $100,000 and $1 million. 20 Table 1A. Small Business Lending of Large Banks and BHCs in the U.S. Using Call Report, June 2004 Small Business Lending (<$1M) Bank Name HQ State Total Rank (1) 1 2 3 4 5 6 7 8 8 10 10 12 13 14 14 16 17 18 18 20 21 22 23 23 25 26 27 28 29 29 31 31 33 34 34 36 37 38 39 40 41 42 43 44 45 46 47 47 49 LSBL/TBL (2) 1.000 0.514 0.457 0.535 0.723 0.395 0.375 0.438 0.499 0.447 0.456 0.970 0.446 0.367 0.534 0.256 0.314 0.264 0.374 0.489 0.471 0.572 0.255 0.261 0.439 0.726 0.238 0.349 0.276 0.466 0.189 0.324 0.207 0.344 0.373 0.162 0.376 0.228 0.456 0.418 0.141 0.323 0.161 0.385 0.226 0.259 0.142 0.297 0.255 LSBL/TA (3) 0.427 0.142 0.097 0.189 0.194 0.060 0.133 0.032 0.192 0.082 0.112 0.045 0.155 0.076 0.138 0.060 0.107 0.090 0.088 0.149 0.089 0.145 0.037 0.052 0.087 0.129 0.054 0.077 0.089 0.132 0.033 0.083 0.056 0.076 0.111 0.020 0.077 0.014 0.113 0.076 0.077 0.057 0.037 0.056 0.045 0.058 0.036 0.063 0.071 LSBL$ (1,000) (4) 5,988,053 6,579,233 9,984,988 4,673,031 2,262,619 24,563,146 4,144,568 11,849,338 2,322,342 3,973,014 3,589,803 2,344,805 2,165,465 7,519,690 2,423,843 11,632,925 5,657,336 4,648,016 2,456,231 1,646,620 2,105,798 1,544,404 11,472,904 6,950,512 1,193,528 2,017,088 6,758,709 1,647,469 3,077,342 1,559,148 11,739,965 2,432,189 4,654,421 2,374,825 1,737,414 18,447,921 1,311,031 5,794,562 1,173,812 1,627,288 4,043,663 1,550,877 2,522,092 1,501,111 1,832,158 1,526,079 1,781,049 899,118 1,150,322 LSBL# (5) 1,195,374 69,953 180,933 40,463 56,849 567,860 44,470 3,794,650 22,516 68,429 35,708 812,212 27,830 51,191 17,734 365,081 40,036 58,267 51,301 19,937 22,925 20,095 782,149 212,423 87,928 6,596 130,667 69,360 22,026 12,508 72,585 21,123 60,147 21,398 16,761 205,440 25,251 270,102 8,719 12,737 22,510 22,507 36,877 13,564 24,734 18,714 23,790 10,044 7,901 Bnk. Size (6) $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B Micro-Business Lending (<$100k) SSBL$ (1,000) (7) 5,979,989 1,104,439 2,151,582 841,857 496,052 7,588,021 596,039 8,366,304 309,636 957,428 504,123 1,470,877 419,620 862,985 1,192,416 2,696,445 599,866 853,422 369,188 210,386 286,139 313,716 3,595,904 1,603,057 431,151 70,978 1,403,576 463,160 323,328 259,988 956,987 288,309 1,060,842 420,391 335,854 4,190,729 349,375 3,632,562 135,378 175,002 243,768 270,248 738,675 130,390 261,246 380,445 417,758 146,967 155,546 SSBL# (8) 1,195,018 41,423 139,531 25,753 49,506 502,818 30,855 3,770,493 13,324 56,121 21,644 808,598 20,417 26,205 13,080 326,669 20,858 41,208 43,679 10,946 15,077 14,590 748,557 189,607 83,820 1,812 109,340 62,932 10,159 8,188 32,363 11,493 44,362 13,578 12,191 148,218 19,819 260,395 4,243 6,650 7,412 16,472 28,761 7,454 18,599 14,689 18,565 6,682 4,874 Small Business Lending (100k-$1M) LSBL(2)$ (1,000) (9) 8,064 5,474,794 7,833,406 3,831,174 1,766,567 16,975,125 3,548,529 3,483,034 2,012,706 3,015,586 3,085,680 873,928 1,745,845 6,656,705 1,231,427 8,936,480 5,057,470 3,794,594 2,087,043 1,436,234 1,819,659 1,230,688 7,877,000 5,347,455 762,377 1,946,110 5,355,133 1,184,309 2,754,014 1,299,160 10,782,978 2,143,880 3,593,579 1,954,434 1,401,560 14,257,192 961,656 2,162,000 1,038,434 1,452,286 3,799,895 1,280,629 1,783,417 1,370,721 1,570,912 1,145,634 1,363,291 752,151 994,776 LSBL(2)# (10) 356 28,530 41,402 14,710 7,343 65,042 13,615 24,157 9,192 12,308 14,064 3,614 7,413 24,986 4,654 38,412 19,178 17,059 7,622 8,991 7,848 5,505 33,592 22,816 4,108 4,784 21,327 6,428 11,867 4,320 40,222 9,630 15,785 7,820 4,570 57,222 5,432 9,707 4,476 6,087 15,098 6,035 8,116 6,110 6,135 4,025 5,225 3,362 3,027 CRD/TA (11) 0.71 0 0.01 0.01 0.03 0.02 0 0.16 0 0.01 0 0.3 0 0.01 0 0.03 0 0 0.02 0 0 0.01 0.03 0.01 0.09 0 0 0 0 0 0 0 0 0 0 0.05 0 0.02 0.01 0 0 0.01 0 0 0.01 0 0 0.04 0 American Express Centurion B Regions Financial Corporatio BB&T Corporation Synovus Financial Corp. First Citizens Bancshares I Wells Fargo & Company Zions Bancorporation Citigroup Inc. Sky Financial Group Inc. Amsouth Bancorporation Union Planters Corporation MBNA Corporation Mercantile Bankshares Corpor Fifth Third Bancorp Colonial Bancgroup Inc. Th U.S. Bancorp Southtrust Corporation Manufacturers & Traders Tc Compass Bancshares Inc. Fulton Financial Corporation National Commerce Financial Bancorpsouth Inc. Bank One Corporation National City Corporation Lauritzen Corporation UBS Bk USA Suntrust Banks Inc. Hibernia Corporation Marshall & Ilsley Corporatio South Financial Group The Wachovia Corporation Banknorth Group Inc. Keycorp Huntington Bancshares Incorp. Associated Banc-Corp Bank of America Corporation Webster Financial Corporatio JP Morgan Chase & Co. Firstmerit Corporation RBC Centura Bk Comerica Incorporated First Horizon National Corpo PNC Financial Services Group Commerce Bancorp Inc. Bank of The West North Fork Bancorporation I Union Bk of CA Na Commerce Bancshares Inc. BOK Financial Corporation UT AL NC GA NC CA UT NY OH AL TN DE MD OH AL MN AL NY AL PA TN MS IL OH NE UT GA LA WI SC NC ME OH OH WI NC CT NY OH NC MI TN PA NJ CA NY CA MO OK Page 1 of 80 Table 1A. Small Business Lending of Large Banks and BHCs in the U.S. Using Call Report, June 2004 Small Business Lending (<$1M) Bank Name HQ State Total Rank (1) 50 51 52 53 53 55 55 57 58 58 60 61 62 63 63 65 66 67 68 69 70 NR NR LSBL/TBL (2) 0.279 0.094 0.144 0.342 1.000 0.193 0.197 0.245 1.000 0.600 0.112 0.156 0.181 0.157 0.354 0.162 0.235 0.150 0.004 0.059 0.002 0.000 LSBL/TA (3) 0.072 0.025 0.015 0.025 0.000 0.034 0.035 0.015 0.000 0.000 0.024 0.050 0.024 0.033 0.000 0.016 0.002 0.025 0.001 0.000 0.000 0.000 LSBL$ (1,000) (4) 757,104 2,605,243 1,545,608 1,044,298 6,293 1,459,865 1,165,347 1,080,099 386 1,696 1,603,264 659,612 762,432 547,084 3,218 519,558 25,778 298,006 10,352 5,514 5,000 0 LSBL# (5) 4,294 17,197 33,755 9,443 90 12,418 12,534 16,825 1 11 7,251 3,425 4,168 3,396 17 5,925 105 1,171 19 26 10 0 Bnk. Size (6) $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B Micro-Business Lending (<$100k) SSBL$ (1,000) (7) 40,995 272,925 222,003 157,412 2,736 210,840 126,965 357,326 254 68,181 51,250 56,282 46,589 196 59,516 1,308 7,923 256 SSBL# (8) 1,583 9,349 28,028 6,225 64 7,365 8,771 13,099 6 1,059 1,552 1,772 1,430 4 3,870 29 243 4 1 - Small Business Lending (100k-$1M) LSBL(2)$ (1,000) (9) 716,109 2,332,318 1,323,605 886,886 3,557 1,249,025 1,038,382 722,773 386 1,442 1,535,083 608,362 706,150 500,495 3,022 460,042 24,470 290,083 10,352 5,258 5,000 0 LSBL(2)# (10) 2,711 7,848 5,727 3,218 26 5,053 3,763 3,726 1 5 6,192 1,873 2,396 1,966 13 2,055 76 928 19 22 9 0 CRD/TA (11) 0 0 0.01 0 0.54 0.02 0 0 0 0.92 0 0 0 0 0 0 0 0 0 0 0 0.55 0 Valley National Bancorp Lasalle Bk Na HSBC Bk USA Charter One Financial Inc. Providian Nb Citizens Bk of MA Harris T&Sb Bank of New York Company In Countrywide Financial Corpor Discover Bk Merrill Lynch Bk USA City National Corporation Northern Trust Corporation Provident Financial Group I Investors Financial Services Mellon Financial Corporation Charles Schwab Corporation TCF Financial Corporation Fremont Inv & Loan State Street Corporation Deutsche Bk Tc Americas Capital One Bk Merrill Lynch B&Tc NJ IL NY OH NH MA IL NY CA DE UT CA IL OH MA PA CA MN CA MA NY VA NJ Source: U.S. Small Business Administration, Office of Advocacy, Office of Economic Research, from Call Report Data. Page 2 of 80 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004 Micro-Business Lending (<$100k) HQ State Total Rank (1) 1 2 3 4 5 6 6 8 9 10 11 11 13 14 15 16 17 18 19 20 21 22 23 23 25 25 27 28 29 30 30 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 Small Business Lending (<$1M) Small Business Lending (100k-$1M) Bank Name SSBL/TA SSBL/TBL (2) (3) 0.427 0.023 0.028 0.019 0.021 0.031 0.043 0.020 0.068 0.024 0.009 0.012 0.034 0.022 0.014 0.012 0.030 0.029 0.021 0.011 0.019 0.016 0.013 0.016 0.013 0.026 0.004 0.021 0.014 0.011 0.014 0.022 0.009 0.012 0.011 0.005 0.019 0.010 0.003 0.009 0.010 0.006 0.009 0.013 0.010 0.002 0.008 0.010 0.999 0.309 0.608 0.122 0.098 0.159 0.159 0.108 0.263 0.086 0.143 0.080 0.096 0.098 0.059 0.060 0.086 0.116 0.100 0.049 0.054 0.048 0.047 0.064 0.056 0.067 0.037 0.072 0.065 0.047 0.061 0.078 0.042 0.064 0.033 0.081 0.062 0.056 0.015 0.033 0.038 0.032 0.029 0.053 0.048 0.021 0.045 0.034 SSBL$ (1,000) (4) 5,979,989 8,366,304 1,470,877 7,588,021 2,151,582 431,151 496,052 957,428 1,192,416 1,104,439 3,632,562 3,595,904 841,857 463,160 2,696,445 1,603,057 419,620 313,716 349,375 1,403,576 596,039 853,422 1,060,842 504,123 369,188 309,636 4,190,729 335,854 380,445 738,675 420,391 259,988 862,985 286,139 599,866 357,326 210,386 270,248 956,987 417,758 288,309 261,246 323,328 135,378 146,967 222,003 175,002 155,546 SSBL# (5) 1,195,018 3,770,493 808,598 502,818 139,531 83,820 49,506 56,121 13,080 41,423 260,395 748,557 25,753 62,932 326,669 189,607 20,417 14,590 19,819 109,340 30,855 41,208 44,362 21,644 43,679 13,324 148,218 12,191 14,689 28,761 13,578 8,188 26,205 15,077 20,858 13,099 10,946 16,472 32,363 18,565 11,493 18,599 10,159 4,243 6,682 28,028 6,650 4,874 Bk. Size (6) $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B LSBL$ (1,000) (7) 5,988,053 11,849,338 2,344,805 24,563,146 9,984,988 1,193,528 2,262,619 3,973,014 2,423,843 6,579,233 5,794,562 11,472,904 4,673,031 1,647,469 11,632,925 6,950,512 2,165,465 1,544,404 1,311,031 6,758,709 4,144,568 4,648,016 4,654,421 3,589,803 2,456,231 2,322,342 18,447,921 1,737,414 1,526,079 2,522,092 2,374,825 1,559,148 7,519,690 2,105,798 5,657,336 1,080,099 1,646,620 1,550,877 11,739,965 1,781,049 2,432,189 1,832,158 3,077,342 1,173,812 899,118 1,545,608 1,627,288 1,150,322 LSBL# (8) 1,195,374 3,794,650 812,212 567,860 180,933 87,928 56,849 68,429 17,734 69,953 270,102 782,149 40,463 69,360 365,081 212,423 27,830 20,095 25,251 130,667 44,470 58,267 60,147 35,708 51,301 22,516 205,440 16,761 18,714 36,877 21,398 12,508 51,191 22,925 40,036 16,825 19,937 22,507 72,585 23,790 21,123 24,734 22,026 8,719 10,044 33,755 12,737 7,901 LSBL(2)$ (1,000) (9) 8,064 3,483,034 873,928 16,975,125 7,833,406 762,377 1,766,567 3,015,586 1,231,427 5,474,794 2,162,000 7,877,000 3,831,174 1,184,309 8,936,480 5,347,455 1,745,845 1,230,688 961,656 5,355,133 3,548,529 3,794,594 3,593,579 3,085,680 2,087,043 2,012,706 14,257,192 1,401,560 1,145,634 1,783,417 1,954,434 1,299,160 6,656,705 1,819,659 5,057,470 722,773 1,436,234 1,280,629 10,782,978 1,363,291 2,143,880 1,570,912 2,754,014 1,038,434 752,151 1,323,605 1,452,286 994,776 LSBL(2)# (10) 356 24,157 3,614 65,042 41,402 4,108 7,343 12,308 4,654 28,530 9,707 33,592 14,710 6,428 38,412 22,816 7,413 5,505 5,432 21,327 13,615 17,059 15,785 14,064 7,622 9,192 57,222 4,570 4,025 8,116 7,820 4,320 24,986 7,848 19,178 3,726 8,991 6,035 40,222 5,225 9,630 6,135 11,867 4,476 3,362 5,727 6,087 3,027 CRD/TA (11) 0.71 0.16 0.3 0.02 0.01 0.09 0.03 0.01 0 0 0.02 0.03 0.01 0 0.03 0.01 0 0.01 0 0 0 0 0 0 0.02 0 0.05 0 0 0 0 0 0.01 0 0 0 0 0.01 0 0 0 0.01 0 0.01 0.04 0.01 0 0 American Express Centurion B Citigroup Inc. MBNA Corporation Wells Fargo & Company BB&T Corporation Lauritzen Corporation First Citizens Bancshares Amsouth Bancorporation Colonial Bancgroup Inc. Th Regions Financial Corporation JP Morgan Chase & Co. Bank One Corporation Synovus Financial Corp. Hibernia Corporation U.S. Bancorp National City Corporation Mercantile Bankshares Corporation Bancorpsouth Inc. Webster Financial Corporatio Suntrust Banks Inc. Zions Bancorporation Manufacturers & Traders Tc Keycorp Union Planters Corporation Compass Bancshares Inc. Sky Financial Group Inc. Bank Of America Corporation Associated Banc-Corp North Fork Bancorporation Pnc Financial Services Group Huntington Bancshares Incorp South Financial Group The Fifth Third Bancorp National Commerce Financial Southtrust Corporation Bank of New York Company In Fulton Financial Corporation First Horizon National Corporation Wachovia Corporation Union Bk of CA Na Banknorth Group Inc. Bank of The West Marshall & Ilsley Corporatio Firstmerit Corporation Commerce Bancshares Inc. HSBC Bk USA RBC Centura Bk BOK Financial Corporation UT NY DE CA NC NE NC AL AL AL NY IL GA LA MN OH MD MS CT GA UT NY OH TN AL OH NC WI NY PA OH SC OH TN AL NY PA TN NC CA ME CA WI OH MO NY NC OK Page 3 of 80 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2004 Micro-Business Lending (<$100k) HQ State Total Rank (1) 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 NR NR NR NR NR Small Business Lending (<$1M) Small Business Lending (100k-$1M) Bank Name SSBL/TA SSBL/TBL (2) (3) 0.004 0.005 0.000 0.005 0.003 0.005 0.004 0.005 0.000 0.002 0.004 0.004 0.003 0.002 0.001 0.001 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.051 0.028 0.435 0.033 0.010 0.009 0.021 0.026 0.090 0.019 0.015 0.012 0.013 0.013 0.005 0.004 0.022 0.012 0.003 0.000 0.000 0.000 0.000 0.000 SSBL$ (1,000) (4) 157,412 210,840 2,736 130,390 272,925 243,768 126,965 70,978 254 59,516 40,995 51,250 46,589 56,282 68,181 7,923 196 1,308 256 - SSBL# (5) 6,225 7,365 64 7,454 9,349 7,412 8,771 1,812 6 3,870 1,583 1,552 1,430 1,772 1,059 243 4 29 4 1 - Bk. Size (6) $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B LSBL$ (1,000) (7) 1,044,298 1,459,865 6,293 1,501,111 2,605,243 4,043,663 1,165,347 2,017,088 1,696 519,558 757,104 659,612 547,084 762,432 1,603,264 298,006 3,218 25,778 5,514 386 5,000 10,352 LSBL# (8) 9,443 12,418 90 13,564 17,197 22,510 12,534 6,596 11 5,925 4,294 3,425 3,396 4,168 7,251 1,171 17 105 26 1 10 19 LSBL(2)$ (1,000) (9) 886,886 1,249,025 3,557 1,370,721 2,332,318 3,799,895 1,038,382 1,946,110 1,442 460,042 716,109 608,362 500,495 706,150 1,535,083 290,083 3,022 24,470 5,258 386 5,000 0 10,352 LSBL(2)# (10) 3,218 5,053 26 6,110 7,848 15,098 3,763 4,784 5 2,055 2,711 1,873 1,966 2,396 6,192 928 13 76 22 1 9 0 19 CRD/TA (11) 0 0.02 0.54 0 0 0 0 0 0.92 0 0 0 0 0 0 0 0 0 0 0 0.55 0 0 0 Charter One Financial Inc. Citizens Bk of MA Providian Nb Commerce Bancorp Inc. Lasalle Bk Na Comerica Incorporated Harris T&Sb UBS Bk USA Discover Bk Mellon Financial Corporation Valley National Bancorp City National Corporation Provident Financial Group Northern Trust Corporation Merrill Lynch Bk USA TCF Financial Corporation Investors Financial Services Charles Schwab Corporation State Street Corporation Countrywide Financial Corpor Capital One Bk Deutsche Bk Tc Americas Merrill Lynch B&Tc Fremont Inv & Loan OH MA NH NJ IL MI IL UT DE PA NJ CA OH IL UT MN MA CA MA CA VA NY NJ CA Source: U.S. Small Business Administration, Office of Advocacy, Office of Economic Research, from Call Report Data. Page 4 of 80 Table 2A. Small Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Small Business Lending (<$1M) Total Rank (1) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 19 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 40 40 40 44 45 46 47 No. of States w/loans (6) 56 43 44 33 52 22 52 48 47 34 54 52 39 31 42 19 23 34 51 21 51 30 48 28 46 12 50 35 19 40 52 52 23 20 44 10 36 23 41 46 9 42 43 17 15 14 25 Micro-Business Lending (<$100k) Bank Name HQ State LSBL/TA (2) 0.288 0.142 0.097 0.189 0.045 0.194 0.060 0.082 0.133 0.076 0.032 0.060 0.112 0.107 0.089 0.155 0.145 0.088 0.037 0.138 0.087 0.090 0.054 0.111 0.052 0.149 0.033 0.076 0.083 0.192 0.014 0.020 0.089 0.132 0.077 0.113 0.037 0.077 0.056 0.045 0.058 0.063 0.057 0.036 0.076 0.056 0.071 LSBL/TBL LSBL$ (1,000) (3) (4) 1.000 0.514 0.457 0.535 0.970 0.723 0.395 0.447 0.375 0.367 0.438 0.256 0.456 0.314 0.276 0.446 0.572 0.374 0.255 0.534 0.439 0.264 0.238 0.373 0.261 0.489 0.189 0.344 0.324 0.499 0.228 0.162 0.471 0.466 0.141 0.456 0.161 0.349 0.207 0.226 0.259 0.297 0.323 0.142 0.418 0.385 0.255 2,358,967 3,864,727 7,695,677 2,950,080 6,098,636 1,469,763 18,870,420 4,204,372 2,734,819 5,827,739 5,735,151 8,283,591 1,668,449 2,668,571 2,983,404 1,127,694 714,160 1,685,356 4,599,547 881,840 842,959 2,119,155 5,192,735 1,347,276 2,920,934 776,877 10,221,763 1,343,749 1,643,045 543,855 6,394,129 6,803,794 580,369 446,262 3,635,187 588,673 2,451,035 832,772 1,541,740 1,512,132 969,017 897,897 1,016,677 1,878,110 595,083 681,182 755,276 LSBL# (5) 506,133 35,635 58,257 24,710 790,950 16,285 525,828 44,366 16,918 28,498 977,789 134,654 11,646 15,919 15,914 8,578 9,700 13,194 310,233 6,488 22,301 13,689 48,613 8,688 31,260 4,766 70,935 15,656 11,475 3,799 182,078 146,892 5,848 3,737 12,319 2,790 28,464 6,951 12,393 14,262 10,218 8,454 7,304 27,432 3,547 4,169 4,076 Bk. Size (7) $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B SSBL$ (1,000) (8) 2,337,263 854,545 1,416,996 603,019 6,019,618 352,948 12,620,270 1,296,985 412,441 714,015 5,005,734 1,838,574 290,204 393,117 375,097 212,990 213,451 364,985 1,478,930 166,981 245,360 355,446 1,012,321 204,970 598,508 126,655 2,126,989 465,261 277,038 97,195 4,758,038 2,052,138 122,089 83,580 242,239 76,652 832,314 174,318 320,800 360,123 360,042 187,107 192,118 750,939 85,972 98,682 106,006 SSBL# (9) 506,018 26,241 40,907 17,476 790,580 12,799 505,176 35,674 10,679 14,277 975,622 117,001 7,567 9,305 8,827 5,852 8,010 9,524 302,033 4,317 20,616 8,804 36,740 5,496 24,349 2,844 50,153 13,213 7,509 2,461 175,863 134,763 4,434 2,625 4,371 1,391 24,064 4,899 9,042 11,427 8,603 6,458 4,941 24,470 2,153 2,545 2,283 American Express Centurion B Regions Financial Corporatio BB&T Corporation Synovus Financial Corp. MBNA Corporation First Citizens Bancshares I Wells Fargo & Company Amsouth Bancorporation Zions Bancorporation Fifth Third Bancorp Citigroup Inc. U.S. Bancorp Union Planters Corporation Southtrust Corporation Marshall & Ilsley Corporatio Mercantile Bankshares Corpor Bancorpsouth Inc. Compass Bancshares Inc. Bank One Corporation Colonial Bancgroup Inc. Th Lauritzen Corporation Manufacturers & Traders Tc Suntrust Banks Inc. Associated Banc-Corp National City Corporation Fulton Financial Corporation Wachovia Corporation Huntington Bancshares Incorp Banknorth Group Inc. Sky Financial Group Inc. J.P. Morgan Chase & Co. Bank of America Corporation National Commerce Financial South Financial Group The Comerica Incorporated Firstmerit Corporation PNC Financial Services Group Hibernia Corporation Keycorp Bank of The West North Fork Bancorporation I Commerce Bancshares Inc. First Tennessee National Cor Union Bk of CA Na RBC Centura Bk Commerce Bancorp Inc. BOK Financial Corporation UT AL NC GA DE NC CA AL UT OH NY MN TN AL WI MD MS AL IL AL NE NY GA WI OH PA NC OH ME OH NY NC TN SC MI OH PA LA OH CA NY MO TN CA NC NJ OK Page 5 of 80 Table 2A. Small Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Small Business Lending (<$1M) Total Rank (1) 48 48 48 51 52 53 54 55 56 57 58 59 60 60 62 63 No. of States w/loans (6) 32 23 10 34 25 26 1 11 28 12 25 19 10 4 47 2 Micro-Business Lending (<$100k) Bank Name HQ State LSBL/TA (2) 0.025 0.034 0.072 0.015 0.035 0.050 0.000 0.025 0.016 0.015 0.024 0.033 0.025 0.002 0.024 0.000 LSBL/TBL LSBL$ (1,000) (3) (4) 0.094 0.193 0.279 0.144 0.197 0.156 1.000 0.342 0.162 0.245 0.181 0.157 0.150 0.235 0.112 0.002 1,691,201 935,459 517,647 1,336,042 845,162 907,929 2,100 441,285 808,527 349,023 357,164 258,567 202,679 10,194 239,643 453 LSBL# (5) 9,899 8,316 2,019 13,610 6,039 3,565 27 2,798 6,779 6,008 1,574 1,057 806 19 910 2 Bk. Size (7) >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B SSBL$ (1,000) (8) 271,509 207,048 44,497 398,740 115,159 81,567 1,164 73,809 129,562 155,316 40,917 21,107 15,872 68 26,342 - SSBL# (9) 6,687 6,423 913 11,109 4,109 1,591 21 1,699 4,955 5,498 742 432 391 2 272 - Lasalle Bk Na Citizens Bk of MA Valley National Bancorp HSBC Bk USA Harris T&SB City National Corporation Providian Nb Charter One Financial Inc. Mellon Financial Corporation Bank Of New York Company In Northern Trust Corporation Provident Financial Group I TCF Financial Corporation Charles Schwab Corporation Merrill Lynch Bk USA Deutsche Bk TC Americas IL MA NJ NY IL CA NH OH PA NY IL OH MN CA UT NY Source: U.S. Small Business Administration, Office of Advocacy, Office of Economic Research, from CRA data. Page 6 of 80 Table 2B. Micro-Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Micro-Business Lending (<$100k) Bank Name HQ State Total Rank (1) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 15 15 18 19 19 21 22 23 23 25 26 27 28 29 30 31 32 33 34 35 36 37 37 39 40 41 42 42 44 45 45 47 48 SSBL/TA (2) 0.288 0.028 0.023 0.019 0.021 0.020 0.024 0.034 0.009 0.043 0.031 0.012 0.014 0.029 0.011 0.012 0.014 0.019 0.030 0.068 0.014 0.011 0.004 0.013 0.016 0.022 0.021 0.016 0.009 0.009 0.013 0.003 0.011 0.026 0.022 0.019 0.006 0.009 0.012 0.010 0.005 0.010 0.010 0.002 0.005 0.013 0.010 0.003 SSBL/TBL SSBL$ (1,000) (3) (4) 1.000 0.608 0.309 0.122 0.098 0.108 0.086 0.096 0.143 0.159 0.159 0.080 0.059 0.116 0.049 0.060 0.061 0.054 0.086 0.263 0.065 0.047 0.037 0.056 0.064 0.098 0.072 0.048 0.042 0.033 0.047 0.015 0.033 0.067 0.078 0.062 0.032 0.029 0.064 0.038 0.081 0.048 0.056 0.021 0.028 0.053 0.034 0.010 2,337,263 6,019,618 5,005,734 12,620,270 1,416,996 1,296,985 854,545 603,019 4,758,038 352,948 245,360 1,478,930 1,838,574 213,451 1,012,321 598,508 465,261 412,441 212,990 166,981 360,042 832,314 2,052,138 364,985 290,204 174,318 204,970 355,446 714,015 750,939 320,800 2,126,989 393,117 97,195 83,580 126,655 360,123 375,097 122,089 277,038 155,316 187,107 192,118 398,740 207,048 76,652 106,006 271,509 SSBL# (5) 506,018 790,580 975,622 505,176 40,907 35,674 26,241 17,476 175,863 12,799 20,616 302,033 117,001 8,010 36,740 24,349 13,213 10,679 5,852 4,317 8,603 24,064 134,763 9,524 7,567 4,899 5,496 8,804 14,277 24,470 9,042 50,153 9,305 2,461 2,625 2,844 11,427 8,827 4,434 7,509 5,498 6,458 4,941 11,109 6,423 1,391 2,283 6,687 No. of States w/loans (6) 56 52 54 52 44 48 43 33 52 22 51 51 52 23 48 46 35 47 19 21 9 36 52 34 39 23 28 30 34 17 41 50 31 40 20 12 46 42 23 19 12 42 43 34 23 10 25 32 Bk. Size (7) $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B Small Business Lending (<$1M) LSBL$ (1,000) (8) 2,358,967 6,098,636 5,735,151 18,870,420 7,695,677 4,204,372 3,864,727 2,950,080 6,394,129 1,469,763 842,959 4,599,547 8,283,591 714,160 5,192,735 2,920,934 1,343,749 2,734,819 1,127,694 881,840 969,017 2,451,035 6,803,794 1,685,356 1,668,449 832,772 1,347,276 2,119,155 5,827,739 1,878,110 1,541,740 10,221,763 2,668,571 543,855 446,262 776,877 1,512,132 2,983,404 580,369 1,643,045 349,023 897,897 1,016,677 1,336,042 935,459 588,673 755,276 1,691,201 LSBL# (9) 506,133 790,950 977,789 525,828 58,257 44,366 35,635 24,710 182,078 16,285 22,301 310,233 134,654 9,700 48,613 31,260 15,656 16,918 8,578 6,488 10,218 28,464 146,892 13,194 11,646 6,951 8,688 13,689 28,498 27,432 12,393 70,935 15,919 3,799 3,737 4,766 14,262 15,914 5,848 11,475 6,008 8,454 7,304 13,610 8,316 2,790 4,076 9,899 American Express Centurion B MBNA Corporation Citigroup Inc. Wells Fargo & Company BB&T Corporation Amsouth Bancorporation Regions Financial Corporation Synovus Financial Corp. J.P. Morgan Chase & Co. First Citizens Bancshares I Lauritzen Corporation Bank One Corporation U.S. Bancorp Bancorpsouth Inc. Suntrust Banks Inc. National City Corporation Huntington Bancshares Incorp Zions Bancorporation Mercantile Bankshares Corpor Colonial Bancgroup Inc. Th North Fork Bancorporation I PNC Financial Services Group Bank of America Corporation Compass Bancshares Inc. Union Planters Corporation Hibernia Corporation Associated Banc-Corp Manufacturers & Traders Tc Fifth Third Bancorp Union Bk of CA Na Keycorp Wachovia Corporation Southtrust Corporation Sky Financial Group Inc. South Financial Group The Fulton Financial Corporation Bank of The West Marshall & Ilsley Corporatio National Commerce Financial Banknorth Group Inc. Bank of New York Company In Commerce Bancshares Inc. First Tennessee National Corp. HSBC Bk USA Citizens Bk of MA Firstmerit Corporation BOK Financial Corporation Lasalle Bk Na UT DE NY CA NC AL AL GA NY NC NE IL MN MS GA OH OH UT MD AL NY PA NC AL TN LA WI NY OH CA OH NC AL OH SC PA CA WI TN ME NY MO TN NY MA OH OK IL Page 7 of 80 Table 2B. Micro-Business Lending of Large Banks and BHCs in the U.S. Using CRA Data, 2003 Micro-Business Lending (<$100k) Bank Name HQ State Total Rank (1) 49 50 51 52 53 53 55 56 57 58 59 60 61 62 63 SSBL/TA (2) 0.008 0.005 0.000 0.005 0.002 0.004 0.004 0.004 0.004 0.003 0.002 0.001 0.001 0.000 0.000 SSBL/TBL SSBL$ (1,000) (3) (4) 0.045 0.009 0.435 0.033 0.019 0.051 0.021 0.012 0.015 0.013 0.013 0.005 0.004 0.012 0.000 85,972 242,239 1,164 98,682 129,562 73,809 115,159 81,567 44,497 21,107 40,917 26,342 15,872 68 0 SSBL# (5) 2,153 4,371 21 2,545 4,955 1,699 4,109 1,591 913 432 742 272 391 2 0 No. of States w/loans (6) 15 44 1 14 28 11 25 26 10 19 25 47 10 4 2 Bk. Size (7) $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B Small Business Lending (<$1M) LSBL$ (1,000) (8) 595,083 3,635,187 2,100 681,182 808,527 441,285 845,162 907,929 517,647 258,567 357,164 239,643 202,679 10,194 453 LSBL# (9) 3,547 12,319 27 4,169 6,779 2,798 6,039 3,565 2,019 1,057 1,574 910 806 19 2 RBC Centura Bk Comerica Incorporated Providian Nb Commerce Bancorp Inc. Mellon Financial Corporation Charter One Financial Inc. Harris T&Sb City National Corporation Valley National Bancorp Provident Financial Group I Northern Trust Corporation Merrill Lynch Bk USA TCF Financial Corporation Charles Schwab Corporation Deutsche Bk Tc Americas NC MI NH NJ PA OH IL CA NJ OH IL UT MN CA NY Source: U.S. Small Business Administration, Office of Advocacy, Office of Economic Research, from CRA data. Page 8 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 483,740 397,351 43,459 139,812 81,367 82,958 33,284 34,730 100,182 22,843 31,651 32,707 85,080 82,577 71,619 19,675 94,390 54,360 51,981 46,703 57,933 63,246 60,582 45,668 36,664 27,236 134,447 699,303 473,173 84,395 115,571 44,708 66,423 53,252 131,031 97,912 53,925 93,677 28,518 36,632 30,179 Name City State Total Rank (1) 60.0 90.0 87.5 85.0 85.0 82.5 80.0 80.0 80.0 80.0 80.0 92.5 90.0 87.5 87.5 85.0 85.0 85.0 82.5 80.0 80.0 80.0 80.0 77.5 77.5 75.0 92.5 92.5 92.5 87.5 87.5 85.0 85.0 85.0 82.5 82.5 92.5 92.5 90.0 90.0 90.0 LSBL/TA (2) 0.225 0.311 0.28 0.266 0.388 0.153 0.236 0.294 0.312 0.35 0.297 0.315 0.285 0.251 0.366 0.312 0.298 0.252 0.287 0.289 0.218 0.466 0.454 0.305 0.499 0.443 0.538 0.501 0.493 0.461 0.521 0.542 0.431 0.456 0.427 0.383 0.504 0.354 0.351 0.467 0.348 LSBL/TBL (3) 0.725 0.999 1 1 1 1 1 1 0.581 1 1 1 1 1 0.995 1 0.827 1 0.86 1 0.998 1 0.717 0.872 0.935 1 0.905 0.718 0.733 1 0.773 0.927 0.806 0.999 0.561 0.913 1 1 1 1 1 LSBL# (5) 3,865 3,121 712 1,389 747 1,659 1,343 722 1,432 376 436 802 1,118 892 990 762 1,495 597 656 606 946 476 413 601 187 199 872 3,601 1,344 408 589 5,094 479 545 1,050 378 563 540 320 334 296 Bnk. Sz. (6) $1B-$10B $1B-$10B $100M-500M $500M-$1B $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M $1B-$10B $500M-$1B $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M Total Rank SSBL$ (1000) (7) (8) 65.0 65.0 97.5 80.0 67.5 97.5 97.5 95.0 80.0 67.5 60.0 97.5 77.5 95.0 80.0 87.5 82.5 60.0 10.0 92.5 80.0 67.5 57.5 95.0 57.5 57.5 97.5 95.0 47.5 85.0 65.0 100.0 87.5 87.5 95.0 72.5 75.0 65.0 80.0 77.5 72.5 60,388 52,144 43,459 34,331 15,702 82,958 33,284 34,730 32,853 7,404 7,687 32,707 20,058 82,577 17,538 13,188 26,209 8,939 46,703 18,259 12,983 3,504 10,878 2,793 2,101 19,778 59,795 5,652 6,784 4,908 17,363 6,289 4,670 19,551 5,698 5,945 6,949 5,191 5,110 4,610 SSBL# (9) 2,049 2,031 712 999 390 1,659 1,343 722 1,042 291 329 802 855 892 782 663 1,188 436 606 827 306 116 429 84 81 325 1,460 162 197 141 4,970 212 357 533 164 373 316 211 203 206 CRD/TA (10) 0.003 0 0.003 0 0 0 0 0 0 0 0 0 0.014 0 0 0 0.001 0 0 0 0.003 0.002 0 0.004 0 0.003 0 0 0 0 0 0 0.001 0 0 0.001 0.004 0 0 0 0 First Nb Alaska Bank First Nb Of Cent Alabama First Nb Of Jasper CB&T Bk Of Russell Cty Community Bk Farmers & Mrch Bk First Lowndes Bk Bank Of Tuscaloosa Covenant Bk First Cmrl Bk Cullman Bank Of Salem Community First Bk Cmnty Bk Union B&TC Peoples Bk First Cmnty Bk Simmons First Bk Jonesboro First Nb Commercial B&TC First NB&TC Of Mountain Home National Bk Of AR Sunrise Bk Arizona Sunstate Bk Commerce Bk Of AZ Canyon Cmnty Bk Na Community Cmrc Bk Nara Bk Na Sonoma Nb Canyon Nb National Bk Of CA Innovative Bk Coast Nb Cuyamaca Bk Na Saehan Bk Bay Cities Nb North Valley Bk First Nb Of Durango Front Range Bk Collegiate Peaks Bk Bank Of The San Juans Anchorage Birmingham Aliceville Jasper Pheonix City Blountsville Piedmont Fort Deposit Tuscaloosa Leeds Good Hope Salem Harrison Cabot Monticello Sheridan Batesville Jonesboro Hot Springs Monticello Mountain Home North Little Rock Phoenix Casa Grande Tucson Tucson Los Angeles Los Angeles Santa Rosa Palm Springs Los Angeles Oakland San Luis Obispo Santee Los Angeles Redondo Beach Thornton Durango Lakewood Buena Vista Durango AK AL AL AL AL AL AL AL AL AL AL AR AR AR AR AR AR AR AR AR AR AR AZ AZ AZ AZ CA CA CA CA CA CA CA CA CA CA CO CO CO CO CO Page 9 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 55,995 63,723 80,845 29,050 53,651 36,682 80,732 52,813 37,091 58,117 Name City State Total Rank (1) 90.0 87.5 87.5 85.0 85.0 85.0 77.5 75.0 75.0 62.5 95.0 80.0 80.0 80.0 100.0 92.5 92.5 90.0 90.0 87.5 87.5 87.5 87.5 87.5 100.0 95.0 95.0 92.5 90.0 87.5 87.5 87.5 87.5 85.0 85.0 85.0 57.5 97.5 95.0 LSBL/TA (2) 0.352 0.517 0.467 0.213 0.198 0.339 0.314 0.282 0.317 0.244 0.701 0.026 0.03 0.202 0.784 0.354 0.536 0.375 0.42 0.447 0.393 0.51 0.287 0.634 0.349 0.372 0.456 0.393 0.435 0.309 0.372 0.441 0.296 0.424 0.361 0.325 0.047 0.217 0.258 LSBL/TBL (3) 1 0.718 0.876 1 0.983 1 0.838 0.976 0.871 0.545 LSBL# (5) 196 679 552 503 677 329 449 407 507 400 812,194 139,274 216,000 731 61,292 643 583 626 318 487 1,174 589 420 260 1,362 988 1,030 949 680 885 1,351 485 497 485 536 548 14,549 635 673 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $1B-$10B >$10B >$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 35.0 82.5 70.0 90.0 82.5 67.5 65.0 97.5 85.0 62.5 97.5 92.5 92.5 70.0 100.0 85.0 85.0 85.0 55.0 95.0 92.5 77.5 55.0 35.0 82.5 87.5 80.0 100.0 97.5 97.5 92.5 80.0 55.0 97.5 90.0 82.5 67.5 100.0 97.5 1,948 9,264 6,483 9,122 10,151 4,542 8,005 13,267 6,449 3,802 1,470,877 1,111,562 528,904 9,005 149,687 9,069 13,328 9,457 4,265 9,490 19,945 11,464 6,049 2,284 22,702 21,250 29,127 75,928 50,868 47,713 25,536 22,530 7,955 35,759 19,946 9,881 115,250 42,970 58,080 SSBL# (9) 77 235 268 427 508 179 212 255 338 154 808,598 139,274 216,000 432 61,292 364 216 337 140 330 750 275 179 83 1,027 726 648 949 680 885 1,144 321 319 485 412 442 13,266 635 673 CRD/TA (10) 0 0.002 0 0.006 0 0 0 0 0 0MBNA 0 0.388 0.19 0 0.008 0.005 0 0 0 0 0 0 0 0 0 0 0 0.006 0.009 0 0 0 0 0.002 0 0 0.022 0 0 Bank Of Denver Premier Bk First Nb Of Arvada Farmers St Bk Of Calhan Colorado East B&TC Foothills Bk Connecticut Cmnty Bk Na First City Bk Valley Bk Adams Nb MBNA America DE Na Chase Manhattan Bk USA Na Bank One De Na Baltimore Tc Suntrust Bankcard Na First Cmnty Bk Fidelity Bk Of Florida Na Premier Bk Regent Bk Heritage Bk Of Florida Farmers & Mrch Bk First St Bk Intercredit Bk Na American Nb Georgia B&Tc First Cmnty Bk Of Tifton Commercial Bk Farmers & Mrch Bk Bank Of Dudley State Bk Of Cochran First Nb South Mountain Nb National Bk Of Walton Cty First Bk Of Coastal Ga Central Bk Of Ga Citizens Bk Of Effingham First Hawaiian Bk Decorah B&Tc Maquoketa St Bk Denver Denver Arvada Calhan Lamar Wheat Ridge Westport New Britain Bristol Washington Wilmington Newark Wilmington Selbyville Orlando Debary Merritt Island Tallahassee Davie Lutz Monticello Sarasota Miami Oakland Park Calhoun Tifton Thomasville Lakeland Dudley Cochran Alma Tucker Monroe Pembroke Ellaville Springfield Honolulu Decorah Maquoketa CO CO CO CO CO CO CT CT CT DC DE DE DE DE FL FL FL FL FL FL FL FL FL FL GA GA GA GA GA GA GA GA GA GA GA GA HI IA IA 0.97 2,332,814 1 1,111,562 1 528,904 0.689 85,342 1 1 0.875 0.962 1 1 0.678 0.778 1 1 1 0.982 0.997 1 1 1 0.864 0.984 1 1 1 1 0.234 1 1 149,687 72,763 109,760 78,238 71,398 45,710 121,462 118,255 108,430 90,207 130,389 86,294 189,319 75,928 50,868 47,713 77,639 109,499 71,159 35,759 54,706 36,938 444,399 42,970 58,080 Page 10 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 18,810 49,900 43,556 41,846 38,456 95,467 43,229 20,027 14,321 21,599 35,975 189,386 107,688 63,133 129,067 128,721 39,441 37,249 34,793 183,404 68,785 91,278 129,755 75,068 82,875 69,135 165,760 97,075 273,309 147,028 53,762 23,931 30,632 119,415 59,514 84,442 26,051 24,511 23,732 41,075 15,974 21,547 Name City State Total Rank (1) 95.0 92.5 90.0 90.0 90.0 87.5 87.5 85.0 85.0 85.0 85.0 87.5 95.0 92.5 92.5 92.5 90.0 90.0 90.0 90.0 87.5 87.5 87.5 87.5 85.0 82.5 80.0 77.5 77.5 77.5 75.0 75.0 75.0 75.0 75.0 75.0 95.0 92.5 90.0 90.0 87.5 85.0 LSBL/TA (2) 0.296 0.353 0.163 0.354 0.344 0.364 0.278 0.178 0.214 0.218 0.202 0.452 0.46 0.328 0.295 0.295 0.191 0.35 0.267 0.258 0.461 0.296 0.215 0.235 0.29 0.271 0.299 0.232 0.274 0.31 0.205 0.342 0.233 0.264 0.301 0.129 0.309 0.348 0.29 0.495 0.21 0.371 LSBL/TBL (3) 1 1 1 1 1 1 0.998 1 1 1 1 0.817 1 1 0.994 1 1 1 1 1 0.876 0.804 1 1 0.898 0.903 0.678 0.868 0.626 0.612 0.931 1 0.957 0.65 0.756 1 1 1 1 1 1 1 LSBL# (5) 673 398 550 667 408 1,307 701 451 286 379 726 2,270 413 956 964 591 667 555 605 1,196 7,953 3,904 875 834 954 2,064 1,284 1,268 1,780 1,064 799 311 1,065 1,199 660 901 359 284 348 177 356 431 Bnk. Sz. (6) <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $500M-$1B $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $500M-$1B <$100M <$100M <$100M <$100M <$100M <$100M Total Rank SSBL$ (1000) (7) (8) 57.5 70.0 100.0 95.0 95.0 87.5 87.5 100.0 97.5 72.5 62.5 80.0 37.5 97.5 75.0 50.0 100.0 100.0 100.0 72.5 95.0 95.0 75.0 80.0 85.0 87.5 70.0 67.5 67.5 62.5 95.0 90.0 87.5 85.0 62.5 57.5 70.0 65.0 95.0 32.5 95.0 95.0 3,805 8,939 43,556 41,846 38,456 33,807 18,791 20,027 14,321 6,515 7,286 33,439 3,544 63,133 17,228 7,317 39,441 37,249 34,793 20,149 34,390 71,083 16,669 18,432 23,604 18,566 26,870 17,204 40,786 20,027 27,696 23,931 13,270 37,638 10,049 13,784 6,365 5,281 23,732 2,430 15,974 21,547 SSBL# (9) 404 293 550 667 408 880 613 451 286 308 437 1,547 124 956 423 189 667 555 605 736 7,718 3,833 556 578 681 1,640 748 931 935 543 684 311 963 853 449 625 265 206 348 84 356 431 CRD/TA (10) 0 0 0.004 0.016 0.002 0.001 0.001 0.001 0.002 0 0 0.004 0 0.002 0 0 0.002 0 0 0 0 0 0 0 0.004 0.002 0 0.002 0 0 0.001 0 0.003 0 0 0 0 0 0.004 0.002 0 0 Pella St Bk First Nb Central St Bk Houghton St Bk Lee Cty B&T Na Midwestone B&Tc Raccoon Valley Bk Libertyville Svg Bk Fortress Bk Cresco Bank IA Midwestone Bk Farmers & Mrch St Bk Metropolitan B&Tc First Neighbor Bk Na Alpine Bk Il Archer Bk Peoples Nb Of Kewanee Peotone B&Tc Community St Bk Rock Falls Castle Bk Na Baytree NB&TC Northbrook B&TC Centrue Bk Jackson County Bk First St Bk Middlebury Heritage Cmnty Bk Community Bk Southern In First Farmers B&T Salin B&Tc Tower B&Tc Demotte St Bk State Bk Oxford First St Bk Farmers Bk Frankfort In Community Bk First Nb Of Valparaiso University Nb Bank Of The Prairie First Nb Of Wamego State Bk Of Ks Union St Bk First Nb Of Southern KS Pella Sioux City Muscatine Red Oak Fort Madison Oskaloosa Perry Fairfield Cresco Red Oak Burlington Meridian Chicago Toledo Rockford Chicago Kewanee Peotone Rock Falls De Kalb Lake Forest Northbrook Kankakee Seymour Middlebury Columbus New Albany Converse Indianapolis Fort Wayne De Motte Oxford Brazil Frankfort Noblesville Valparaiso Pittsburg Olathe Wamego Fredonia Everest Mount Hope IA IA IA IA IA IA IA IA IA IA IA ID IL IL IL IL IL IL IL IL IL IL IL IN IN IN IN IN IN IN IN IN IN IN IN IN KS KS KS KS KS KS Page 11 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 57,335 22,368 60,896 98,086 58,574 25,809 16,138 24,969 82,402 91,999 41,876 34,366 88,438 31,918 47,634 52,777 32,922 119,836 60,591 155,587 76,996 214,527 52,086 51,020 178,876 31,394 63,835 84,669 50,316 230,598 449,083 193,603 76,295 158,762 62,089 86,370 232,522 54,907 63,979 92,070 Name City State Total Rank (1) 85.0 82.5 82.5 82.5 82.5 82.5 82.5 82.5 97.5 95.0 92.5 92.5 92.5 90.0 85.0 85.0 82.5 82.5 82.5 92.5 87.5 87.5 85.0 85.0 82.5 80.0 80.0 80.0 77.5 85.0 80.0 77.5 87.5 87.5 82.5 82.5 75.0 75.0 75.0 75.0 LSBL/TA (2) 0.306 0.186 0.218 0.24 0.309 0.363 0.199 0.342 0.345 0.378 0.336 0.298 0.373 0.208 0.21 0.27 0.2 0.272 0.344 0.358 0.215 0.404 0.401 0.272 0.45 0.27 0.355 0.469 0.408 0.286 0.168 0.34 0.406 0.402 0.376 0.33 0.268 0.544 0.449 0.405 LSBL/TBL (3) 1 1 0.899 0.836 0.705 0.982 1 1 1 1 1 1 1 1 1 0.979 1 0.8 0.872 1 1 0.947 1 1 0.864 1 0.855 0.778 0.993 0.665 0.713 0.539 1 0.989 1 0.918 0.573 1 0.816 0.907 LSBL# (5) 466 340 1,536 1,557 1,024 352 201 218 1,148 522 1,043 614 1,028 962 543 915 925 1,067 633 779 1,538 1,775 596 723 1,180 568 767 2,024 526 2,160 2,148 1,410 860 822 592 846 2,898 374 502 916 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 60.0 92.5 85.0 82.5 77.5 77.5 62.5 57.5 100.0 40.0 100.0 85.0 80.0 100.0 97.5 82.5 97.5 87.5 70.0 45.0 100.0 70.0 75.0 75.0 52.5 92.5 72.5 72.5 60.0 95.0 77.5 77.5 95.0 80.0 80.0 75.0 82.5 62.5 37.5 67.5 7,143 22,368 25,342 39,914 16,023 7,297 5,175 4,657 82,402 6,981 41,876 13,950 19,930 31,918 47,634 13,444 32,922 38,941 12,834 11,550 76,996 30,920 12,586 15,416 15,678 31,394 14,364 15,492 9,009 37,541 47,719 17,151 17,495 19,905 10,369 11,994 42,283 8,424 5,523 18,091 SSBL# (9) 309 340 1,366 1,291 772 267 169 167 1,148 260 1,043 499 819 962 543 721 925 737 411 487 1,538 1,312 459 554 469 568 576 1,230 359 1,274 874 653 639 463 428 520 2,021 199 208 607 CRD/TA (10) 0 0 0 0.001 0 0 0.005 0 0 0 0 0 0 0.004 0 0 0 0.001 0.004 0.003 0 0.002 0 0 0.003 0.007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Douglas Cty Bk First St Bk Girard Nb Community Nb First Cmnty Bk Community Nb First Nb In Belleville First Nb Of Wellington Peoples B&TC Heritage Bk Bank Of Columbia First United Bk South Central Bk Peoples Bk Of Fleming Cty First & Farmers Bk Inc Peoples Exch Bk First Commonwealth Bk Independence Bk Of KY Citizens Bk Of Northern KY Central Progressive Bk Jeff Davis B&Tc First Guaranty Bk First Nb Of LA Citizens Nb Na Gulf Coast B&TC City Svg B&TC Community Bk Resource Bk Coastal Cmrc Bk Enterprise B&TC Rockland TC Bank Of Western MA Peoples Bk Of Kent Cty MD Community Bk Of Tri-Cty Bank Of The Eastern Shore Saint Michaels Bk Peninsula Bk Regal B&TC Bay Nb First Nb Of Bar Harbor Lawrence Norton Girard Chanute Kansas City Topeka Belleville Wellington Hazard Erlanger Columbia Madisonville Glasgow Flemingsburg Albany Beattyville Prestonsburg Owensboro Newport Lacombe Jennings Hammond Crowley Bossier City New Orleans De Ridder Raceland Mandeville Houma Lowell Rockland Springfield Chestertown Waldorf Cambridge Saint Michaels Princess Anne Owings Mills Baltimore Bar Harbor KS KS KS KS KS KS KS KS KY KY KY KY KY KY KY KY KY KY KY LA LA LA LA LA LA LA LA LA LA MA MA MA MD MD MD MD MD MD MD ME Page 12 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 217,002 71,743 84,399 65,633 96,518 50,031 66,622 36,665 105,290 134,193 39,165 80,427 109,597 62,624 42,091 55,244 67,615 25,249 34,282 65,882 42,651 59,411 155,351 103,156 44,425 49,837 35,448 28,249 47,202 28,837 21,690 56,325 252,253 95,080 89,104 47,575 40,334 46,538 63,401 35,233 43,158 55,618 Name City State Total Rank (1) 95.0 85.0 85.0 77.5 77.5 77.5 77.5 75.0 75.0 75.0 95.0 95.0 95.0 95.0 92.5 90.0 90.0 87.5 87.5 87.5 87.5 95.0 92.5 92.5 87.5 85.0 85.0 85.0 85.0 82.5 82.5 82.5 95.0 95.0 87.5 87.5 85.0 85.0 82.5 82.5 80.0 80.0 LSBL/TA (2) 0.464 0.353 0.486 0.319 0.427 0.51 0.415 0.305 0.194 0.371 0.45 0.35 0.567 0.42 0.355 0.484 0.544 0.352 0.261 0.363 0.417 0.372 0.291 0.487 0.32 0.253 0.567 0.301 0.502 0.23 0.251 0.434 0.394 0.324 0.288 0.231 0.302 0.335 0.211 0.426 0.309 0.317 LSBL/TBL (3) 1 1 0.888 0.868 0.722 0.984 0.892 1 0.945 0.703 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0.994 1 1 1 1 1 1 1 1 1 0.998 LSBL# (5) 720 744 795 848 942 440 587 675 1,332 794 533 871 617 370 681 486 400 328 562 594 204 993 1,412 585 451 1,196 292 329 208 542 445 539 12,352 1,194 7,265 1,385 1,076 844 811 735 919 938 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $500M-$1B $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M <$100M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 27.5 97.5 77.5 80.0 77.5 75.0 72.5 97.5 82.5 50.0 100.0 90.0 65.0 40.0 100.0 85.0 57.5 85.0 82.5 72.5 30.0 100.0 72.5 55.0 82.5 90.0 65.0 60.0 42.5 97.5 97.5 70.0 97.5 97.5 92.5 92.5 92.5 92.5 92.5 90.0 90.0 62.5 5,500 71,743 14,445 14,265 17,971 10,926 11,667 36,665 26,412 11,595 39,165 31,680 10,647 3,787 42,091 12,456 6,175 11,459 9,974 10,002 3,180 59,411 25,197 10,223 16,897 22,474 6,749 6,440 5,173 28,837 21,690 10,557 252,253 95,080 89,104 47,575 40,334 46,538 63,401 35,233 43,158 13,414 SSBL# (9) 196 744 457 612 571 295 341 675 952 341 533 663 307 213 681 330 236 246 447 437 112 993 1,011 319 375 1,084 219 217 84 542 445 364 12,352 1,194 7,265 1,385 1,076 844 811 735 919 785 CRD/TA (10) 0 0.003 0 0 0 0 0 0.003 0.003 0 0 0.001 0 0 0.001 0 0 0 0.002 0 0.001 0.001 0 0 0 0 0 0 0 0 0 0 0.002 0.001 0 0 0 0 0 0.002 0.006 0 Warren Bk First Nb&Tc Iron Mountain Portage Cmrc Bk Firstbank-West Branch Capital Nb Select Bk Northern Michigan B&T Peninsula Bk Of Ishpeming Isabella B&T United Bk MI Home St Bk First Nb Of Walker Republic Bk Prior Lake St Bk Heritage Bk Na Franklin Nb Of Minneapolis Americana Cmnty Bk Lakes St Bk First Nb Of Milaca Border St Bk Glenwood St Bk First MO St Bk First St Cmnty Bk Bremen B&TC Bank Of Crocker First Nb Branson Bk Bank Of Grain Valley Village Bk O'Bannon Bkg Co Southern Missouri Bk Central Bk Of Kansas City State B&Tc First St Bk Merchants & Marine Bk First Nb Of Pontotoc Bank Of Holly Springs Pike Cty Nb Bank Of New Albany Omnibank Farmers & Merchants Bk United Ms Bk Warren Iron Mountain Portage West Branch Lansing Grand Rapids Escanaba Ishpeming Mount Pleasant Grand Rapids Litchfield Walker Duluth Prior Lake Spicer Minneapolis Sleepy Eye Pequot Lakes Milaca Greenbush Glenwood Poplar Bluff Farmington Saint Louis Waynesville Mountain View Branson Grain Valley Springfield Buffalo Marshfield Kansas City Cleveland Waynesboro Pascagoula Pontotoc Holly Springs Mccomb New Albany Mantee Baldwyn Natchez MI MI MI MI MI MI MI MI MI MI MN MN MN MN MN MN MN MN MN MN MN MO MO MO MO MO MO MO MO MO MO MO MS MS MS MS MS MS MS MS MS MS Page 13 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 32,833 41,780 25,193 22,124 83,966 63,510 35,079 72,375 101,878 302,149 189,833 132,485 314,857 213,055 42,805 31,427 51,843 20,319 16,137 13,632 14,506 28,521 63,877 15,379 36,741 25,045 12,953 21,301 29,031 15,073 27,460 48,515 11,388 33,956 55,807 21,129 53,526 122,969 255,085 84,045 100,053 Name City State Total Rank (1) 85.0 82.5 77.5 77.5 77.5 77.5 75.0 85.0 85.0 85.0 82.5 82.5 77.5 75.0 95.0 90.0 90.0 85.0 85.0 77.5 77.5 75.0 75.0 75.0 75.0 92.5 90.0 90.0 90.0 87.5 87.5 87.5 87.5 85.0 85.0 85.0 85.0 85.0 77.5 77.5 77.5 LSBL/TA (2) 0.54 0.262 0.359 0.446 0.285 0.412 0.248 0.47 0.357 0.354 0.415 0.428 0.329 0.244 0.23 0.377 0.53 0.212 0.173 0.181 0.244 0.222 0.231 0.238 0.224 0.271 0.254 0.268 0.221 0.218 0.276 0.257 0.338 0.14 0.228 0.227 0.423 0.279 0.243 0.385 0.276 LSBL/TBL (3) 1 1 1 1 0.765 0.895 1 1 1 0.987 0.974 1 0.686 0.741 1 1 1 1 1 1 1 0.894 0.733 1 0.869 1 1 1 1 1 1 1 1 1 0.995 1 0.978 0.71 0.611 0.723 0.733 LSBL# (5) 410 446 535 273 1,031 592 542 1,158 1,105 1,428 1,007 891 3,327 2,806 684 468 368 326 469 261 191 490 681 220 405 353 733 330 314 218 306 696 176 446 798 358 646 2,568 2,715 494 501 Bnk. Sz. (6) <$100M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M <$100M <$100M <$100M <$100M <$100M <$100M $100M-500M $100M-500M <$100M $100M-500M <$100M <$100M <$100M $100M-500M <$100M <$100M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 95.0 50.0 87.5 75.0 60.0 57.5 60.0 92.5 80.0 52.5 60.0 47.5 80.0 85.0 77.5 87.5 75.0 97.5 97.5 57.5 55.0 70.0 60.0 57.5 55.0 95.0 95.0 95.0 95.0 95.0 92.5 90.0 70.0 100.0 87.5 75.0 87.5 90.0 92.5 80.0 40.0 32,833 7,993 16,775 10,281 16,493 10,780 9,100 72,375 19,073 22,828 18,364 11,812 56,169 45,978 12,740 17,648 14,732 20,319 16,137 3,798 3,714 7,875 12,028 4,264 6,570 25,045 12,953 21,301 29,031 15,073 27,460 31,430 3,657 33,956 24,219 6,950 12,762 15,193 31,617 8,091 4,083 SSBL# (9) 410 304 495 216 697 423 409 1,158 793 859 570 528 2,223 2,026 505 406 240 326 469 206 140 363 467 162 260 353 733 330 314 218 306 631 132 446 649 281 449 695 1,561 216 129 CRD/TA (10) 0.001 0 0 0 0 0 0.003 0 0 0 0 0 0 0.002 0 0 0 0 0 0 0.001 0.002 0.004 0 0.005 0 0.003 0 0 0 0 0.019 0 0 0.003 0 0 0.002 0.001 0 0 First Citizens Bk Of Butte Flathead Bk Of Bigfork First Madison Valley Bk First Citizens Bk Na Yellowstone Bk Bitterroot Valley Bk First St Bk Surrey B&T American Cmnty Bk Southern Cmnty B&TC Bank Of Nc Crescent St Bk Bank Of Granite Yadkin Valley B&TC Dakota Cmnty Bk United Valley Bk Kirkwood B&TC Dacotah Bk Valley City First United Bk Northland Fncl First St Bk Stutsman County St Bk Security St Bk Of ND Goose River Bk American St B&Tc Of Dickinso Dakota Cty St Bk Commercial St Bk Gothenburg St B&TC First Nb Otoe Cty B&TC First B&TC York St B&TC Centennial Bk Midwest Bank Na Elkhorn Valley B&TC Saline St Bk First Colebrook Bk Skylands Cmnty Bk Bank Two River Comm Bk Bayonne Cmnty Bk Butte Bigfork Ennis Columbia Falls Laurel Lolo Thompson Falls Mount Airy Monroe Winston-Salem Thomasville Cary Granite Falls Elkin Hebron Cavalier Bismarck Valley City Park River Steele Buxton Jamestown Hannaford Mayville Dickinson South Sioux City Wausa Gothenburg Sidney Nebraska City Cozad York Omaha Pierce Norfolk Wilber Colebrook Hackettstown Woodbury Middletown Bayonne MT MT MT MT MT MT MT NC NC NC NC NC NC NC ND ND ND ND ND ND ND ND ND ND ND NE NE NE NE NE NE NE NE NE NE NE NH NJ NJ NJ NJ Page 14 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 46,571 99,599 82,571 58,410 45,901 92,874 106,776 65,945 82,653 23,715 25,629 102,842 57,967 84,068 49,911 54,046 32,829 Name City State Total Rank (1) 75.0 75.0 72.5 72.5 72.5 72.5 72.5 72.5 72.5 80.0 77.5 75.0 72.5 72.5 72.5 72.5 72.5 90.0 80.0 77.5 90.0 85.0 82.5 82.5 82.5 82.5 80.0 80.0 80.0 80.0 87.5 87.5 80.0 80.0 80.0 80.0 80.0 77.5 77.5 77.5 77.5 LSBL/TA (2) 0.426 0.436 0.254 0.428 0.393 0.359 0.222 0.32 0.391 0.359 0.323 0.26 0.227 0.244 0.352 0.341 0.432 0.462 0.066 0.25 0.312 0.239 0.215 0.197 0.303 0.397 0.232 0.216 0.625 0.441 0.242 0.519 0.278 0.243 0.356 0.558 0.498 0.205 0.25 0.451 0.339 LSBL/TBL (3) 0.959 0.627 0.941 0.872 1 0.685 0.685 1 0.709 1 1 0.64 0.659 0.669 0.824 0.712 0.935 LSBL# (5) 411 572 425 333 257 453 612 254 376 468 405 1,140 2,903 1,133 345 501 217 364 1,466,978 1,098 1,080 2,386 748 2,519 1,636 912 2,341 2,132 475 251 1,308 444 1,166 410 950 526 348 1,493 913 578 1,021 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M >$10B $100M-500M $500M-$1B $500M-$1B $100M-500M $1B-$10B $500M-$1B $100M-500M $500M-$1B $500M-$1B <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $500M-$1B $100M-500M $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 87.5 70.0 77.5 77.5 75.0 62.5 62.5 60.0 47.5 97.5 77.5 67.5 92.5 77.5 62.5 60.0 30.0 80.0 100.0 62.5 80.0 95.0 85.0 85.0 82.5 75.0 87.5 87.5 80.0 60.0 75.0 47.5 95.0 75.0 70.0 57.5 55.0 72.5 70.0 62.5 62.5 6,409 7,224 9,979 5,837 5,178 5,877 6,960 4,100 3,801 23,715 6,698 17,742 21,649 20,715 8,640 7,945 2,955 6,289 1,275,581 5,297 24,970 42,857 14,710 53,121 38,041 17,938 41,897 37,210 9,746 6,260 13,348 3,766 40,675 8,317 18,820 5,659 5,540 27,892 15,083 8,825 16,471 SSBL# (9) 251 207 129 163 122 168 242 99 92 468 291 720 2,678 845 209 311 84 188 1,466,978 228 679 1,757 598 1,862 1,045 535 1,691 1,431 282 139 367 223 956 299 556 268 204 851 638 283 536 CRD/TA (10) 0 0 0 0 0 0 0 0 0 0.012 0 0.003 0 0 0 0 0 0 0.783 0 0.003 0 0.006 0 0.001 0 0 0 0 0 0 0 0.003 0.003 0.006 0.002 0.006 0 0.006 0 0 Cornerstone Bk Broadway Nb 1st Constitution Bk Advantage Bk Shore Cmnty Bk Bergen Cmrl Bk Somerset Valley Bk Allaire Cmnty Bk Interstate Net Bk American Heritage Bk Bank Of The Rio Grande Na New Mexico B&TC Western Cmrc Bk First Nb Community Bk International Bk Sunrise Bk Albuquerque Heritage Bk Of NV Citibank NV Na Business Bk Of Nevada Adirondack TC National Bk Of Geneva Steuben TC Suffolk Cty Nb Woori Amer Bk Great Eastern Bk Canandaigua NB&TC Wyoming Cty Bk Capital Bk&TC Community Capital Bk Citizens Svg Bk Buckeye Cmnty Bk Sutton Bk Kingston Nb Heartland Bk Western Reserve Bk First Nb Lorain Nb Old Ft Bkg Co Independence Bk Commerce Nb Moorestown Fort Lee Cranbury Branchburg Toms River Paramus Somerville Wall Township Cherry Hill Clovis Las Cruces Albuquerque Carlsbad Artesia Santa Fe Raton Albuquerque Reno Las Vegas Las Vegas Saratoga Springs Geneva Hornell Riverhead New York New York Canandaigua Warsaw Albany Brooklyn Martins Ferry Lorain Attica Kingston Gahanna Medina Bellevue Lorain Old Fort Independence Columbus NJ NJ NJ NJ NJ NJ NJ NJ NJ NM NM NM NM NM NM NM NM NV NV NV NY NY NY NY NY NY NY NY NY NY OH OH OH OH OH OH OH OH OH OH OH 1 82,268 1 1,275,581 0.52 76,785 0.984 0.825 1 0.698 0.649 0.693 0.628 0.767 0.977 1 1 1 0.832 1 0.818 0.933 1 0.755 0.784 0.881 0.721 183,708 164,212 62,538 279,916 200,259 117,452 212,314 167,052 52,616 64,428 65,607 42,258 73,248 30,887 128,527 64,227 48,587 155,202 77,789 67,731 139,275 Page 15 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 71,898 58,200 39,206 42,205 60,688 203,214 23,720 19,878 21,609 24,468 25,529 25,739 98,798 63,643 160,248 66,994 79,737 42,909 163,784 133,800 61,126 383,903 128,560 235,626 912,503 47,495 39,908 199,527 95,075 63,250 16,655 120,558 169,416 66,199 78,893 71,295 72,663 104,401 17,619 19,536 11,693 Name City State Total Rank (1) 97.5 92.5 90.0 90.0 87.5 87.5 85.0 85.0 82.5 82.5 82.5 82.5 82.5 82.5 75.0 75.0 70.0 70.0 90.0 82.5 82.5 82.5 82.5 80.0 80.0 77.5 77.5 77.5 77.5 77.5 62.5 95.0 95.0 82.5 75.0 75.0 75.0 75.0 87.5 82.5 80.0 LSBL/TA (2) 0.566 0.321 0.309 0.457 0.26 0.34 0.275 0.283 0.216 0.229 0.198 0.216 0.436 0.372 0.348 0.363 0.29 0.53 0.265 0.259 0.285 0.248 0.426 0.199 0.222 0.194 0.305 0.233 0.316 0.201 0.369 0.427 0.425 0.516 0.283 0.364 0.292 0.344 0.345 0.221 0.266 LSBL/TBL (3) 1 1 1 1 1 1 1 1 1 1 1 1 0.849 0.942 0.617 0.802 0.786 0.999 0.866 0.713 1 0.654 0.735 0.713 0.651 1 1 0.481 0.681 1 0.832 1 1 0.983 0.991 0.85 1 0.825 1 1 1 LSBL# (5) 582 445 582 310 900 1,382 362 443 738 639 518 325 1,090 606 1,401 517 836 213 2,956 3,245 781 4,569 1,059 2,065 8,347 976 787 2,168 942 462 98 1,858 1,784 932 1,332 788 671 816 207 334 149 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M <$100M $100M-500M $500M-$1B <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $500M-$1B $500M-$1B $100M-500M $1B-$10B $100M-500M $1B-$10B $1B-$10B $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M Total Rank SSBL$ (1000) (7) (8) 35.0 65.0 72.5 42.5 95.0 65.0 97.5 70.0 97.5 97.5 97.5 95.0 75.0 60.0 72.5 60.0 90.0 55.0 90.0 97.5 95.0 82.5 77.5 77.5 72.5 92.5 87.5 85.0 80.0 65.0 42.5 87.5 80.0 90.0 90.0 62.5 60.0 50.0 92.5 90.0 55.0 2,396 10,286 10,160 4,256 60,688 24,598 23,720 5,597 21,609 24,468 25,529 25,739 18,069 9,106 18,108 6,394 16,016 3,788 36,224 73,535 61,126 76,630 23,300 44,899 122,323 20,066 14,404 50,447 20,508 11,369 594 47,358 37,487 36,460 40,589 14,921 15,404 14,075 17,619 19,536 2,441 SSBL# (9) 408 312 473 171 900 952 362 374 738 639 518 325 690 405 741 257 559 113 2,524 2,715 781 2,780 631 1,263 5,011 838 650 1,619 608 305 32 1,644 1,370 774 1,176 561 423 483 207 334 116 CRD/TA (10) 0 0 0 0 0 0 0.008 0 0 0 0 0 0 0 0 0 0 0 0 0.002 0 0 0 0 0 0 0 0 0 0.002 0 0 0.004 0 0.001 0 0 0 0.001 0.001 0 Bank Of The Lakes Na First Nb In Durant First B&TC Bank Of Nichols Hills First NB&TC Spiritbank First NB&TC First Nb Of OK Firstbank Pauls Valley Nb Community St Bk First Nb&TC Security Bk Pioneer B&TC Pacific Continental Bk Mbank Community Bk Town Ctr Bk Leesport Bk Community B&TC Old Forge Bk Bank Of Lancaster Cty Na Legacy Bk Commerce Bk Harrisburg Na National Penn Bk Mercer Cty St Bk Elderton St Bk First Nat Cmnty Bk Iron & Glass Bk Allegheny Valley Bk Freedom Nb Horry Cty St Bk Arthur St Bk Sumter Nb Enterprise Bk Of SC Beach First Nb Peoples Nb Southcoast Cmnty Bk Peoples St Bk Merchants St Bk Minnwest Bk Sioux Falls Owasso Durant Wagoner Oklahoma City Chickasha Tulsa Weatherford Ponca City Antlers Pauls Valley Poteau Miami Pawnee Ponca City Eugene Gresham Joseph Portland Wyomissing Clarks Summit Old Forge Strasburg Harrisburg Camp Hill Boyertown Sandy Lake Elderton Dunmore Pittsburgh Pittsburgh Greenville Loris Union Sumter Ehrhardt Myrtle Beach Easley Mt Pleasant De Smet Freeman Sioux Falls OK OK OK OK OK OK OK OK OK OK OK OK OK OK OR OR OR OR PA PA PA PA PA PA PA PA PA PA PA PA RI SC SC SC SC SC SC SC SD SD SD Page 16 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) Name City State Total Rank (1) 77.5 75.0 75.0 75.0 75.0 75.0 75.0 100.0 92.5 92.5 87.5 87.5 85.0 85.0 82.5 80.0 80.0 80.0 80.0 80.0 100.0 95.0 92.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 92.5 92.5 90.0 90.0 82.5 90.0 87.5 82.5 82.5 80.0 LSBL/TA (2) 0.463 0.216 0.196 0.275 0.336 0.16 0.253 0.681 0.457 0.367 0.414 0.337 0.31 0.342 0.433 0.167 0.33 0.237 0.328 0.293 0.506 0.355 0.335 0.389 0.441 0.358 0.28 0.353 0.369 0.47 0.256 0.536 0.611 0.84 0.978 0.555 0.847 0.483 0.423 0.255 0.371 0.195 LSBL/TBL (3) LSBL# (5) 1,393,045 2,526 1,349 204 538 171 244 1,501 544 580 627 714 527 835 430 2,307 547 1,571 287 804 2,971 688 674 758 1,055 607 873 770 1,333 1,792 449 508 626,056 336,934 340,466 149,892 5,986 590 951 1,549 822 1,718 Bnk. Sz. (6) $1B-$10B $500M-$1B $500M-$1B <$100M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B <$100M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $500M-$1B $100M-500M $500M-$1B $1B-$10B <$100M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B Total Rank SSBL$ (1000) (7) (8) 92.5 77.5 70.0 67.5 65.0 60.0 50.0 95.0 67.5 57.5 97.5 57.5 97.5 85.0 52.5 97.5 90.0 75.0 62.5 50.0 75.0 62.5 62.5 97.5 85.0 82.5 82.5 77.5 72.5 72.5 67.5 65.0 97.5 95.0 97.5 97.5 92.5 67.5 92.5 92.5 77.5 97.5 2,107,645 47,634 28,819 3,935 8,862 3,294 3,802 43,306 10,042 9,613 57,701 9,576 36,348 15,844 7,196 73,463 23,033 28,704 4,906 13,599 32,480 11,156 13,649 38,950 20,512 12,195 21,743 13,249 21,107 36,053 9,352 11,419 329,273 302,335 507,523 574,000 20,876 10,347 19,300 26,808 8,313 40,305 SSBL# (9) 1,388,392 2,064 971 157 341 150 142 1,163 332 344 627 476 527 634 278 2,307 430 1,024 209 358 2,033 493 394 758 812 465 662 627 879 1,318 348 350 626,046 336,934 340,462 149,892 5,986 357 700 1,139 592 1,380 CRD/TA (10) 0.074 0.003 0 0.004 0.007 0 0.003 0.002 0 0 0 0 0 0 0 0 0 0.001 0 0 0 0 0 0 0 0.004 0 0 0 0 0.002 0.006 0 0 0 0 0 0 0 0 0.004 0.002 Citibank USA Na Dacotah Bk First Nb In Sioux Falls Bankstar Financial First Amer B&TC Farmers St Bk Security Bk Tennessee Cmrc Bk Southern Heritage Bk Primetrust Bk First Bk Of TN First South Bk Traders Nb First Nb First Cmnty Bk Of East Tenne Citizens Bk American City Bk Fsgbank Na Bank Of Lincoln Cty Pinnacle Nb Republic Nb Pointbank Community B&T First Nb First St Bk Blanco Nb Union St Bk Texas Star Bk Community Bk First Cmnty Bk Na Newfirst Nb Wallis St Bk Pitney Bowes Bk Associates Cap Bk Universal FC Advanta Bk Corp Volvo Cmrl Cr Corp UT Rockingham Heritage Bk Bank Of The James New Peoples Bk Bank Of Fincastle Highlands Union Bk Sioux Falls Aberdeen Sioux Falls Elkton Madison Marion Madison Franklin Cleveland Nashville Spring City Bolivar Tullahoma Oneida Rogersville Carthage Tullahoma Chattanooga Fayetteville Nashville Houston Pilot Point Waco George West Mesquite Blanco Florence Van Alstyne Granbury Houston El Campo Wallis Salt Lake City Salt Lake City Salt Lake City Draper Salt Lake City Harrisonburg Lynchburg Honaker Fincastle Abingdon SD SD SD SD SD SD SD TN TN TN TN TN TN TN TN TN TN TN TN TN TX TX TX TX TX TX TX TX TX TX TX TX UT UT UT UT UT VA VA VA VA VA 0.581 2,366,555 0.683 173,403 0.702 153,122 1 12,421 0.677 49,690 1 10,612 0.795 32,362 1 1 1 1 0.991 1 0.983 1 1 0.933 0.717 1 0.728 1 1 1 1 0.959 1 1 1 0.925 0.933 1 1 1 1 1 1 1 1 0.916 0.768 0.986 0.832 136,123 65,501 91,239 57,701 84,420 36,348 68,482 84,561 73,463 47,360 155,720 25,642 171,414 239,776 75,556 88,140 38,950 77,207 40,824 71,047 53,447 124,212 255,267 39,754 78,263 331,205 302,335 508,064 574,000 20,876 95,435 68,145 100,520 51,599 106,772 Page 17 of 80 3A. Banks' Small Business Lending by State Using Call Report Data, June 2004 Small Business Lending (<$1M) Micro-Business Lending (<$100k) LSBL$ (1000) (4) 75,158 100,902 107,257 41,543 59,273 130,670 130,321 106,614 154,053 56,626 181,469 153,749 71,345 39,068 81,469 86,781 32,298 155,638 186,163 135,774 86,235 110,434 51,866 66,522 39,354 45,201 40,405 82,456 157,249 68,286 40,916 48,443 655,546 16,739 35,476 63,169 56,630 27,053 Name City State Total Rank (1) 80.0 80.0 80.0 77.5 77.5 77.5 77.5 75.0 80.0 77.5 77.5 72.5 72.5 72.5 70.0 70.0 70.0 90.0 90.0 85.0 85.0 85.0 85.0 85.0 82.5 82.5 82.5 87.5 82.5 82.5 80.0 80.0 77.5 77.5 77.5 75.0 75.0 75.0 LSBL/TA (2) 0.198 0.297 0.309 0.208 0.287 0.207 0.217 0.348 0.364 0.504 0.338 0.243 0.347 0.354 0.291 0.334 0.574 0.382 0.481 0.396 0.382 0.289 0.537 0.721 0.279 0.277 0.239 0.436 0.394 0.364 0.203 0.275 0.189 0.274 0.284 0.19 0.271 0.189 LSBL/TBL (3) 0.898 0.677 0.658 1 0.797 0.623 0.617 0.899 0.773 0.877 0.638 0.749 0.767 1 0.736 0.755 1 0.982 0.983 0.776 0.824 0.876 1 1 1 1 1 0.931 0.71 1 1 0.848 0.828 1 0.998 0.885 0.814 1 LSBL# (5) 1,272 855 804 1,437 752 1,599 1,255 1,085 1,331 444 3,441 1,756 484 436 808 595 210 1,847 1,463 1,334 879 1,217 422 237 592 581 448 816 929 437 495 664 5,521 390 543 921 763 425 Bnk. Sz. (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $1B-$10B <$100M $100M-500M $100M-500M $100M-500M $100M-500M Total Rank SSBL$ (1000) (7) (8) 82.5 70.0 62.5 92.5 82.5 82.5 75.0 70.0 85.0 75.0 72.5 87.5 72.5 72.5 72.5 62.5 55.0 80.0 77.5 90.0 80.0 77.5 62.5 22.5 100.0 97.5 82.5 80.0 62.5 40.0 97.5 85.0 70.0 97.5 80.0 95.0 72.5 72.5 15,357 15,783 12,457 17,192 13,082 28,240 22,590 21,230 20,388 6,248 20,139 26,454 8,334 4,947 10,522 8,704 3,102 28,395 24,593 44,466 18,574 19,931 7,689 3,275 39,354 45,201 13,567 14,856 19,583 6,960 40,916 15,654 148,092 16,739 10,394 43,984 11,736 7,496 SSBL# (9) 1,013 530 452 1,251 506 1,206 813 688 798 242 1,863 1,148 311 257 548 305 105 1,501 891 875 640 836 205 99 592 581 325 534 521 257 495 471 3,926 390 422 811 499 339 CRD/TA (10) 0.003 0 0.002 0 0.006 0 0 0 0.003 0.004 0.002 0.003 0.004 0.001 0.001 0.004 0 0.001 0.002 0.002 0.005 0.001 0.001 0.003 0.002 0.002 0.002 0 0 0 0.006 0.003 0 0 0.004 0.004 0.01 0 Southside Bk Chesapeake Bk Valley Bk Bank Of Northumberland Bank Of Botetourt American NB&TC First B&TC Factory Point Nb Of Manchest Bank Of The Pacific Coastal Cmnty Bk Kitsap Bk Whidbey Island Bk Charter Bk First Heritage Bk Viking Cmnty Bk Cowlitz Bk Washington St Bk Na First Nb River Valley St Bk First Bk Fncl Centre Community St Bk Mid-Wisconsin Bk Hometown Bk Franklin St Bk Royal Bk Reedsburg Bk First Citizens St Bk First Sentry Bk Centra Bk First Nb Poca Valley Bk Bruceton Bk Wesbanco Bk Bank Of Star Valley First Nb Of Buffalo Hilltop Nb First NB&TC First St Bk Tappahannock Kilmarnock Roanoke Heathsville Buchanan Danville Lebanon Manchester Center Aberdeen Everett Port Orchard Oak Harbor Bellevue Snohomish Seattle Longview Federal Way Waupaca Rothschild Oconomowoc Union Grove Medford Saint Cloud Franklin Elroy Reedsburg Whitewater Huntington Morgantown Ronceverte Walton Bruceton Mills Wheeling Afton Buffalo Casper Powell Wheatland VA VA VA VA VA VA VA VT WA WA WA WA WA WA WA WA WA WI WI WI WI WI WI WI WI WI WI WV WV WV WV WV WV WY WY WY WY WY Source: U.S. Small Businesss Administration, Office of Advocacy, Office of Economic Research, from the Call Report collected by the Federal Reserve. Page 18 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 60,388 43,459 82,958 33,284 33,645 34,730 38,593 27,183 21,203 11,346 28,921 32,707 82,577 28,302 46,703 18,406 25,838 14,497 22,932 28,880 13,188 23,003 11,000 22,987 10,984 25,922 21,968 10,938 10,878 4,986 3,303 6,077 17,363 78,274 19,778 47,486 59,795 19,551 113,298 31,442 14,188 9,763 21,629 Small Business Lending (<$1M) Bank Name State Total Rank (1) 65.0 97.5 97.5 97.5 97.5 95.0 92.5 90.0 87.5 87.5 87.5 97.5 95.0 95.0 92.5 92.5 90.0 90.0 90.0 90.0 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 95.0 87.5 82.5 80.0 100.0 100.0 97.5 97.5 95.0 95.0 95.0 95.0 95.0 92.5 92.5 SSBL/TA (2) 0.028 0.28 0.153 0.236 0.21 0.294 0.119 0.354 0.279 0.191 0.13 0.315 0.251 0.123 0.289 0.202 0.298 0.388 0.237 0.154 0.209 0.332 0.319 0.162 0.243 0.151 0.185 0.098 0.073 0.073 0.06 0.039 0.21 0.066 0.079 0.031 0.043 0.064 0.037 0.034 0.035 0.049 0.031 SSBL/TBL (3) 0.091 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0.67 1 1 1 1 1 1 1 0.208 0.196 0.203 0.085 0.36 0.102 0.133 0.109 0.061 0.084 0.06 0.099 0.128 0.121 0.068 SSBL# (5) 2,049 712 1,659 1,343 632 722 994 440 487 483 530 802 892 946 606 580 356 426 372 796 663 311 360 705 407 364 397 600 429 121 114 175 4,970 2,118 325 2,566 1,460 533 3,208 1,110 555 275 1,084 Bnk. Asset Sz. (6) $1B-$10B $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M <$100M $100M-500M <$100M <$100M <$100M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M <$100M $1B-$10B $100M-500M $1B-$10B $1B-$10B $100M-500M $1B-$10B $500M-$1B $100M-500M $100M-500M $500M-$1B Total Rank (7) 60.0 87.5 82.5 80.0 77.5 80.0 67.5 77.5 67.5 65.0 57.5 92.5 87.5 65.0 80.0 70.0 75.0 75.0 72.5 70.0 85.0 77.5 70.0 67.5 67.5 65.0 62.5 55.0 77.5 57.5 52.5 72.5 85.0 80.0 92.5 80.0 92.5 82.5 80.0 72.5 65.0 72.5 70.0 LSBL$ (1000) (8) 483,740 43,459 82,958 33,284 33,645 34,730 38,593 27,183 21,203 11,346 28,921 32,707 82,577 28,302 46,703 18,406 25,838 14,497 22,932 28,880 19,675 23,003 11,000 22,987 10,984 25,922 21,968 10,938 45,668 22,714 15,792 54,175 44,708 350,174 134,447 309,942 699,303 131,031 905,612 180,327 64,906 60,198 145,953 LSBL# (9) 3,865 712 1,659 1,343 632 722 994 440 487 483 530 802 892 946 606 580 356 426 372 796 762 311 360 705 407 364 397 600 601 190 172 418 5,094 2,980 872 3,665 3,601 1,050 6,312 1,800 794 457 1,560 CRD/TA (10) 0.003 0.003 0 0 0 0 0 0 0 0 0 0 0 0.002 0 0 0 0 0 0.003 0 0 0 0 0 0 0 0.006 0.004 0.001 0 0 0 0.001 0 0 0 0 0.001 0.011 0.004 0.001 0.001 First Nb Alaska First Nb of Cent Alabama Community Bk Farmers & Mrch Bk Small Town Bk First Lowndes Bk Traders & Farmers Bk Camden Nb Town-Country Nb Alabama Tr Bk Na First Nb Bank of Salem Cmnty Bk First Nb of East Arkansas Commercial B&TC Fordyce B&TC First Nb Homebank of AR Bank of Paragould Diamond State Bk Peoples Bk Southern St Bk Stephens Security Bk Union Bk of Mena First St Bk of Dequeen Bank of Mountain View Bank of Pocahontas Bank of Cave City Sunstate Bk Horizon Cmty Bk First St Bk Bank of Tucson Innovative Bk Center Bk Community Cmrc Bk TRI Cty Bk Nara Bk Na Saehan Bk Hanmi Bk Bank of The Sierra Plumas Bk Santa Lucia Bk Bank of Marin AK AL AL AL AL AL AL AL AL AL AL AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AR AZ AZ AZ AZ CA CA CA CA CA CA CA CA CA CA CA Page 19 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 13,027 47,159 6,340 19,856 13,754 9,924 9,122 10,126 7,260 9,051 9,683 6,177 7,881 8,161 13,267 6,449 3,802 1,470,877 1,111,562 528,904 149,687 13,968 9,485 17,031 9,490 12,064 19,677 96,327 18,359 19,945 39,006 26,816 11,946 16,416 9,368 75,928 50,868 47,713 35,759 21,610 35,678 31,389 Small Business Lending (<$1M) Bank Name Butte Cmnty Bk Mid-State B&TC Murphy Bk Pine River Valley Bk First Nat Bk Dolores St Bk Farmers St Bk of Calhan Community Bk of Rockies Montrosebank First Nb of Lake City & Cree Fowler St Bk Valley St Bk Paonia St Bk First Nb of Hugo First City Bk Valley Bk Adams Nb Mbna America DE Na Chase Manhattan Bk USA Na Bank One DE Na Suntrust Bankcard Na Columbia Cty Bk Drummond Cmnty Bk First Nb of Wauchula Heritage Bk of Florida Highlands Indep Bk Coquina Bk Capital City Bk United S Bk Farmers & Mrch Bk Bank of Tampa Citrus & Chem Bk First Nb of Alachua Wauchula St Bk Perkins St Bk Farmers & Mrch Bk Bank of Dudley State Bk of Cochran First Bk of Coastal GA Glennville Bk Citizens Bk of Swainsboro Rossville Bk State CA CA CA CO CO CO CO CO CO CO CO CO CO CO CT CT DC DE DE DE FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL GA GA GA GA GA GA GA Total Rank (1) 92.5 92.5 92.5 97.5 92.5 92.5 90.0 90.0 90.0 90.0 90.0 87.5 87.5 87.5 97.5 85.0 62.5 97.5 92.5 92.5 100.0 97.5 97.5 97.5 95.0 95.0 95.0 95.0 95.0 92.5 92.5 92.5 92.5 92.5 92.5 100.0 97.5 97.5 97.5 97.5 95.0 95.0 SSBL/TA (2) 0.032 0.021 0.065 0.188 0.184 0.117 0.067 0.056 0.07 0.289 0.202 0.06 0.172 0.154 0.071 0.055 0.016 0.442 0.026 0.03 0.784 0.1 0.077 0.211 0.093 0.059 0.172 0.048 0.059 0.064 0.056 0.041 0.051 0.042 0.059 0.393 0.435 0.309 0.424 0.199 0.421 0.338 SSBL/TBL (3) 0.113 0.069 1 1 0.341 1 0.314 0.291 0.24 1 1 0.351 1 1 0.245 0.151 0.036 0.611 1 1 1 0.193 0.377 1 0.208 0.242 0.329 0.17 0.166 0.111 0.128 0.186 0.189 0.19 0.236 1 1 1 1 1 1 1 SSBL# (5) 416 2,524 323 266 197 219 427 454 446 175 187 312 143 130 255 338 154 808,598 139,274 216,000 61,292 521 518 358 330 556 275 4,192 566 750 1,128 1,026 517 767 429 949 680 885 485 936 480 709 Bnk. Asset Sz. (6) $100M-500M $1B-$10B <$100M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $1B-$10B >$10B >$10B $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M <$100M <$100M Total Rank (7) 70.0 65.0 50.0 72.5 82.5 60.0 85.0 75.0 70.0 70.0 67.5 65.0 60.0 55.0 75.0 75.0 62.5 95.0 80.0 80.0 100.0 85.0 67.5 62.5 87.5 80.0 80.0 75.0 72.5 87.5 82.5 82.5 77.5 75.0 62.5 92.5 90.0 87.5 85.0 67.5 82.5 82.5 LSBL$ (1000) (8) 81,985 245,140 6,340 19,856 37,564 9,924 29,050 31,729 21,240 9,051 9,683 16,920 7,881 8,161 52,813 37,091 58,117 2,332,814 1,111,562 528,904 149,687 57,138 23,794 17,031 45,710 48,971 49,460 379,616 66,971 121,462 205,828 122,946 53,719 68,043 30,400 75,928 50,868 47,713 35,759 21,610 35,678 31,389 LSBL# (9) 677 3,388 323 266 307 219 503 563 541 175 187 365 143 130 407 507 400 812,194 139,274 216,000 61,292 723 594 358 487 732 387 5,449 811 1,174 1,834 1,457 713 991 529 949 680 885 485 936 480 709 CRD/TA (10) 0.001 0 0 0 0 0 0.006 0 0 0 0 0.003 0.004 0 0 0 0 0 0.388 0.19 0.008 0 0 0 0 0 0 0.011 0 0 0.005 0.002 0 0 0 0.006 0.009 0 0.002 0 0 0 Page 20 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 27,017 30,296 27,839 21,137 115,250 42,970 43,556 20,027 58,080 14,321 23,051 12,902 41,846 38,456 18,780 14,161 33,439 39,441 37,249 34,793 31,438 63,133 25,899 18,665 20,785 18,773 12,143 27,696 28,790 23,931 18,566 13,270 14,277 16,728 19,575 23,604 37,638 13,306 23,732 15,974 21,547 10,638 Small Business Lending (<$1M) Bank Name Community Bkg Co of Fitzgera Citizens Bk Washington Cty Claxton Bk Citizens Cmnty Bk First Hawaiian Bk Decorah B&TC Central St Bk Libertyville Svg Bk Maquoketa St Bk Fortress Bk Cresco Cresco Union Svg Bk Community First Bk Houghton St Bk Lee Cty B&T Na Blue Grass Svg Bk Farmers T&SB Farmers & Mrch St Bk Peoples Nb of Kewanee Peotone B&Tc Community St Bk Rock Falls Germantown T&Sb First Neighbor Bk Na Trustbank First Nb Pana Peoples B&T Anna Nb State Bk Arthur Demotte St Bk Friendship St Bk State Bk Oxford Heritage Cmnty Bk First St Bk Farmers & Mrch Bk Fowler St Bk FCN Bk Na First St Bk Middlebury Farmers Bk Frankfort IN Bank of Wolcott First Nb of Wamego Union St Bk First Nb of Southern KS Farmers St Bk State GA GA GA GA HI IA IA IA IA IA IA IA IA IA IA IA ID IL IL IL IL IL IL IL IL IL IL IN IN IN IN IN IN IN IN IN IN IN KS KS KS KS Total Rank (1) 95.0 95.0 95.0 95.0 67.5 100.0 100.0 100.0 97.5 97.5 97.5 97.5 95.0 95.0 95.0 95.0 80.0 100.0 100.0 100.0 100.0 97.5 97.5 97.5 97.5 97.5 97.5 95.0 95.0 90.0 87.5 87.5 87.5 87.5 87.5 85.0 85.0 85.0 95.0 95.0 95.0 95.0 SSBL/TA (2) 0.339 0.209 0.278 0.227 0.012 0.217 0.163 0.178 0.258 0.214 0.114 0.119 0.354 0.344 0.131 0.122 0.08 0.191 0.35 0.267 0.12 0.328 0.212 0.199 0.185 0.158 0.161 0.106 0.16 0.342 0.073 0.101 0.221 0.14 0.083 0.082 0.083 0.204 0.29 0.21 0.371 0.162 SSBL/TBL (3) 1 1 1 1 0.061 1 1 1 1 1 1 1 1 1 1 1 0.144 1 1 1 1 1 1 1 1 1 1 0.48 1 1 0.243 0.414 1 1 1 0.256 0.205 1 1 1 1 1 SSBL# (5) 464 581 369 503 13,266 635 550 451 673 286 1,155 518 667 408 286 314 1,547 667 555 605 478 956 612 389 400 334 432 684 426 311 1,640 963 328 381 330 681 853 273 348 356 431 263 Bnk. Asset Sz. (6) <$100M $100M-500M $100M-500M <$100M $1B-$10B $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M <$100M <$100M Total Rank (7) 75.0 70.0 70.0 67.5 57.5 97.5 90.0 85.0 95.0 85.0 82.5 75.0 90.0 90.0 75.0 72.5 87.5 90.0 90.0 90.0 77.5 92.5 80.0 80.0 77.5 75.0 72.5 75.0 70.0 75.0 82.5 75.0 62.5 60.0 52.5 85.0 75.0 62.5 90.0 87.5 85.0 75.0 LSBL$ (1000) (8) 27,017 30,296 27,839 21,137 444,399 42,970 43,556 20,027 58,080 14,321 23,051 12,902 41,846 38,456 18,780 14,161 189,386 39,441 37,249 34,793 31,438 63,133 25,899 18,665 20,785 18,773 12,143 53,762 28,790 23,931 69,135 30,632 14,277 16,728 19,575 82,875 119,415 13,306 23,732 15,974 21,547 10,638 LSBL# (9) 464 581 369 503 14,549 635 550 451 673 286 1,155 518 667 408 286 314 2,270 667 555 605 478 956 612 389 400 334 432 799 426 311 2,064 1,065 328 381 330 954 1,199 273 348 356 431 263 CRD/TA (10) 0 0.002 0 0 0.022 0 0.004 0.001 0 0.002 0.001 0.003 0.016 0.002 0 0 0.004 0.002 0 0 0 0.002 0.004 0 0.003 0 0 0.001 0.007 0 0.002 0.003 0 0.008 0 0.004 0 0.004 0.004 0 0 0 Page 21 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 22,368 13,023 13,850 6,200 9,685 5,929 12,349 82,402 41,876 31,918 26,140 47,634 32,922 25,521 25,057 22,968 28,262 16,414 15,046 76,996 31,394 18,605 21,364 19,455 21,036 19,150 24,518 15,624 10,485 37,541 6,235 14,961 6,662 17,495 17,483 13,281 42,283 19,588 19,905 10,369 18,145 51,522 12,418 Small Business Lending (<$1M) Bank Name First St Bk United Nb St Marys St Bk Kansas St Bk Citizens St Bk Baldwin St Bk Guaranty St B&TC Peoples B&TC Bank of Columbia Peoples Bk of Fleming Cty Bank of Edmonson Cty First & Farmers Bk Inc First Commonwealth Bk First Nb of Columbia Kentucky Bkg Centers State B&TC Farmers Bk Farmers Bk Bank of Cadiz & TC Jeff Davis B&TC City Svg B&TC Feliciana B&TC Gibsland B&TC Franklin St B&TC Southern Heritage Bk Delta Bk Guaranty Bk Vermilion B&TC Citizens B&Tc of Vivian LA Enterprise B&Tc Millbury Nb Westbank Northmark Bk Peoples Bk of Kent Cty MD Bankannapolis Provident St Bk Peninsula Bk NBRS Fncl Community Bk of Tri-Cty Bank of The Eastern Shore County Bkg&Tc Farmers & Mechanics Bk Hebron Svg Bk State KS KS KS KS KS KS KS KY KY KY KY KY KY KY KY KY KY KY KY LA LA LA LA LA LA LA LA LA LA MA MA MA MA MD MD MD MD MD MD MD MD MD MD Total Rank (1) 92.5 92.5 92.5 92.5 92.5 92.5 92.5 100.0 100.0 100.0 100.0 97.5 97.5 97.5 95.0 95.0 92.5 92.5 92.5 100.0 92.5 92.5 92.5 92.5 92.5 92.5 87.5 85.0 82.5 95.0 85.0 80.0 80.0 95.0 87.5 87.5 82.5 82.5 80.0 80.0 80.0 80.0 80.0 SSBL/TA (2) 0.186 0.199 0.217 0.16 0.132 0.121 0.128 0.345 0.336 0.208 0.172 0.21 0.2 0.145 0.206 0.19 0.31 0.216 0.173 0.215 0.27 0.265 0.236 0.199 0.13 0.152 0.293 0.24 0.138 0.047 0.098 0.02 0.026 0.093 0.065 0.085 0.049 0.164 0.05 0.063 0.044 0.035 0.049 SSBL/TBL (3) 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0.108 0.229 0.092 0.121 0.229 0.189 0.266 0.104 0.339 0.124 0.167 0.13 0.142 0.181 SSBL# (5) 340 330 275 527 347 1,253 213 1,148 1,043 962 750 543 925 765 600 637 373 599 325 1,538 568 542 521 529 537 727 392 295 407 1,274 262 777 325 639 434 379 2,021 216 463 428 709 2,681 418 Bnk. Asset Sz. (6) $100M-500M <$100M <$100M <$100M <$100M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M $100M-500M <$100M <$100M <$100M $500M-$1B <$100M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $1B-$10B $100M-500M Total Rank (7) 82.5 77.5 77.5 75.0 75.0 75.0 75.0 97.5 92.5 90.0 77.5 85.0 82.5 75.0 80.0 77.5 77.5 75.0 67.5 87.5 80.0 75.0 72.5 70.0 67.5 67.5 70.0 67.5 55.0 85.0 67.5 70.0 62.5 87.5 72.5 70.0 75.0 52.5 87.5 82.5 72.5 65.0 62.5 LSBL$ (1000) (8) 22,368 13,023 13,850 6,200 9,685 5,929 12,349 82,402 41,876 31,918 26,140 47,634 32,922 25,521 25,057 22,968 28,262 16,414 15,046 76,996 31,394 18,605 21,364 19,455 21,036 19,150 24,518 15,624 10,485 230,598 26,382 107,593 42,033 76,295 74,134 48,080 232,522 41,296 158,762 62,089 95,005 192,031 53,754 LSBL# (9) 340 330 275 527 347 1,253 213 1,148 1,043 962 750 543 925 765 600 637 373 599 325 1,538 568 542 521 529 537 727 392 295 407 2,160 359 1,275 500 860 626 535 2,898 302 822 592 1,068 3,366 593 CRD/TA (10) 0 0.002 0 0 0 0 0 0 0 0.004 0 0 0 0 0 0 0.002 0 0 0 0.007 0 0 0 0.003 0 0 0.009 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Page 22 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 67,403 71,743 36,665 128,316 36,085 37,923 24,848 15,230 31,355 12,130 18,539 39,165 42,091 14,821 31,820 31,207 21,857 15,468 17,764 12,362 14,407 23,768 11,458 12,177 13,651 12,921 59,411 28,361 29,408 28,837 21,690 29,747 23,187 18,529 16,748 15,760 24,149 19,284 252,253 95,080 89,104 47,575 40,334 46,538 Small Business Lending (<$1M) Bank Name Franklin Svg Bk First Nb&Tc Iron Mountain Peninsula Bk of Ishpeming Independent Bk Hillsdale Cty Nb Independent Bk West MI First Nb Amer Michigan Heritage Bk Peoples St Bk of Munising Huron Nb Signature Bk Home St Bk Heritage Bk Na Kasson St Bk State Bk of Park Rapids Wadena St Bk Eagle Bk First Nb Pine River St Bk First St Bk of Le Center Prinsburg St Bk Lake Region Bk Paragon Bk State Bk of Mcgregor Citizens St Bk of Hayfield Farmers & Merchants St Bk First MO St Bk Century Bk of The Ozarks Community St Bk O'bannon Bkg Co Southern Missouri Bk Perry St Bk First Nb Peoples Community Bk Community Bk of The Ozarks Security Bk of Sw MO Union Svg Bk Saint Clair Cty St Bk State B&TC First St Bk Merchants & Marine Bk First Nb of Pontotoc Bank of Holly Springs Pike Cty Nb State ME MI MI MI MI MI MI MI MI MI MI MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MO MO MO MO MO MO MO MO MO MO MO MO MS MS MS MS MS MS Total Rank (1) 92.5 97.5 97.5 97.5 95.0 95.0 90.0 90.0 90.0 90.0 87.5 100.0 100.0 100.0 97.5 97.5 97.5 97.5 97.5 97.5 95.0 95.0 95.0 95.0 95.0 95.0 100.0 100.0 100.0 97.5 97.5 97.5 97.5 95.0 92.5 92.5 92.5 92.5 97.5 97.5 92.5 92.5 92.5 92.5 SSBL/TA (2) 0.233 0.353 0.305 0.102 0.141 0.079 0.063 0.097 0.312 0.262 0.077 0.45 0.355 0.243 0.364 0.33 0.258 0.244 0.238 0.206 0.384 0.281 0.282 0.286 0.285 0.26 0.372 0.19 0.187 0.23 0.251 0.225 0.194 0.282 0.238 0.271 0.225 0.208 0.394 0.324 0.288 0.231 0.302 0.335 SSBL/TBL (3) 1 1 1 0.424 0.515 0.348 0.388 0.226 1 1 0.291 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 SSBL# (5) 1,215 744 675 26,486 645 872 1,150 563 337 371 812 533 681 408 428 424 367 475 381 271 227 341 286 260 336 357 993 620 673 542 445 712 527 352 419 391 449 385 12,352 1,194 7,265 1,385 1,076 844 Bnk. Asset Sz. (6) $100M-500M $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M <$100M $100M-500M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M <$100M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M Total Rank (7) 67.5 85.0 75.0 72.5 72.5 62.5 72.5 72.5 65.0 60.0 67.5 95.0 92.5 80.0 82.5 82.5 82.5 75.0 75.0 70.0 77.5 75.0 75.0 72.5 70.0 70.0 95.0 80.0 77.5 82.5 82.5 80.0 80.0 77.5 80.0 77.5 75.0 70.0 95.0 95.0 87.5 87.5 85.0 85.0 LSBL$ (1000) (8) 67,403 71,743 36,665 261,185 66,695 83,009 62,562 54,029 31,355 12,130 57,205 39,165 42,091 14,821 31,820 31,207 21,857 15,468 17,764 12,362 14,407 23,768 11,458 12,177 13,651 12,921 59,411 28,361 29,408 28,837 21,690 29,747 23,187 18,529 16,748 15,760 24,149 19,284 252,253 95,080 89,104 47,575 40,334 46,538 LSBL# (9) 1,215 744 675 27,286 786 1,083 1,401 692 337 371 988 533 681 408 428 424 367 475 381 271 227 341 286 260 336 357 993 620 673 542 445 712 527 352 419 391 449 385 12,352 1,194 7,265 1,385 1,076 844 CRD/TA (10) 0 0.003 0.003 0 0 0 0 0 0.002 0 0 0 0.001 0 0.004 0 0 0 0 0 0 0 0 0.004 0 0 0.001 0 0 0 0 0 0 0.002 0 0 0 0 0.002 0.001 0 0 0 0 Page 23 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 63,401 35,233 43,158 33,873 32,833 16,775 24,412 27,560 9,428 4,911 8,641 13,053 94,454 72,375 45,978 496,052 19,073 56,169 48,272 67,050 20,319 16,137 17,648 544,844 7,699 11,117 5,994 5,628 4,932 7,036 33,956 25,045 12,953 21,301 29,031 15,073 19,902 27,460 7,168 7,686 12,762 31,617 Small Business Lending (<$1M) Bank Name Bank of New Albany Omnibank Farmers & Merchants Bk Mechanics Bk First Citizens Bk of Butte First Madison Valley Bk Citizens St Bk First Citizens Bk of Billing First Boulder Valley Bk Lake County Bk Little Horn St Bk United Bk Na Four Oaks B&TC Surrey B&T Yadkin Valley B&TC First-Citizens B&TC American Cmnty Bk Bank of Granite Capital Bk First Bk Dacotah Bk Valley City First United Bk United Valley Bk U S Bk Na ND Sargent County Bk Security First Bk of ND State Bk of Bottineau Drayton St Bk Security St Bk Lakeside St Bk Midwest Bank Na Dakota Cty St Bk Commercial St Bk Gothenburg St B&TC First Nb Otoe Cty B&Tc Farmers & Mrch Bk First B&TC Community Bk First Nb In Ord First Colebrook Bk Bank State MS MS MS MS MT MT MT MT MT MT MT MT NC NC NC NC NC NC NC NC ND ND ND ND ND ND ND ND ND ND NE NE NE NE NE NE NE NE NE NE NH NJ Total Rank (1) 92.5 90.0 90.0 90.0 95.0 87.5 87.5 85.0 85.0 85.0 82.5 82.5 95.0 92.5 85.0 85.0 80.0 80.0 80.0 80.0 97.5 97.5 87.5 87.5 85.0 82.5 82.5 82.5 80.0 80.0 100.0 95.0 95.0 95.0 95.0 95.0 95.0 92.5 92.5 92.5 87.5 92.5 SSBL/TA (2) 0.211 0.426 0.309 0.256 0.54 0.239 0.355 0.158 0.397 0.181 0.134 0.253 0.246 0.47 0.053 0.043 0.067 0.059 0.055 0.043 0.212 0.173 0.211 0.159 0.124 0.156 0.148 0.153 0.127 0.144 0.14 0.271 0.254 0.268 0.221 0.218 0.096 0.276 0.162 0.102 0.101 0.03 SSBL/TBL (3) 1 1 1 1 1 0.666 1 0.422 1 1 0.534 1 1 1 0.16 0.159 0.187 0.122 0.118 0.146 1 1 0.562 0.372 1 0.463 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0.233 0.076 SSBL# (5) 811 735 919 791 410 495 263 824 242 928 825 236 848 1,158 2,026 49,506 793 2,223 1,494 2,920 326 469 406 154,565 173 200 143 170 168 124 446 353 733 330 314 218 391 306 161 291 449 1,561 Bnk. Asset Sz. (6) $100M-500M <$100M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M <$100M <$100M <$100M <$100M $100M-500M $100M-500M $500M-$1B >$10B $100M-500M $500M-$1B $500M-$1B $1B-$10B <$100M <$100M <$100M $1B-$10B <$100M <$100M <$100M <$100M <$100M <$100M $100M-500M <$100M <$100M <$100M $100M-500M <$100M $100M-500M <$100M <$100M <$100M $100M-500M $1B-$10B Total Rank (7) 82.5 82.5 80.0 72.5 85.0 77.5 72.5 72.5 70.0 65.0 72.5 55.0 72.5 85.0 75.0 70.0 85.0 77.5 70.0 62.5 85.0 85.0 90.0 72.5 67.5 72.5 67.5 60.0 62.5 60.0 85.0 92.5 90.0 90.0 90.0 87.5 72.5 87.5 77.5 75.0 85.0 77.5 LSBL$ (1000) (8) 63,401 35,233 43,158 33,873 32,833 25,193 24,412 49,685 9,428 4,911 16,182 13,053 94,454 72,375 213,055 2,262,619 101,878 314,857 250,021 310,754 20,319 16,137 31,427 683,518 7,699 22,194 5,994 5,628 4,932 7,036 33,956 25,045 12,953 21,301 29,031 15,073 19,902 27,460 7,168 7,686 53,526 255,085 LSBL# (9) 811 735 919 791 410 535 263 981 242 928 862 236 848 1,158 2,806 56,849 1,105 3,327 2,207 3,954 326 469 468 155,979 173 260 143 170 168 124 446 353 733 330 314 218 391 306 161 291 646 2,715 CRD/TA (10) 0 0.002 0.006 0.002 0.001 0 0 0.005 0 0 0.009 0 0.005 0 0.002 0.017 0 0 0 0.003 0 0 0 0.084 0 0.003 0.008 0.002 0.007 0 0 0 0.003 0 0 0 0 0 0 0 0 0.001 Page 24 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 15,193 8,442 13,224 6,409 7,761 19,950 15,135 23,715 21,649 16,970 16,993 16,608 1,275,581 11,394 5,817 27,125 42,857 21,058 41,897 37,210 22,176 8,907 17,466 14,710 53,121 22,283 19,035 8,311 40,675 54,665 41,708 20,568 10,569 21,193 11,077 9,841 11,698 10,324 23,720 21,609 24,468 25,529 60,688 Small Business Lending (<$1M) Bank Name Skylands Cmnty Bk Harvest Cmnty Bk Newfield Nb Cornerstone Bk 1st Colonial Nb Minotola Nb Union Ctr Nb American Heritage Bk Western Cmrc Bk Portales Nb First Nb In Las Vegas Western Bk Citibank Nv Na First Nb of Ely Bank of Cmrc Bankwest of Nevada National Bk of Geneva Cattaraugus Cty Bk Canandaigua Nb&Tc Wyoming Cty Bk Solvay Bk First Nb of Groton National Bk of Coxsackie Steuben TC Suffolk Cty Nb Bank of Castile Bath Nb Savannah Bk Na Sutton Bk Farmers & Mrch St Bk First-Knox Nb Savings Bk First Nb Merchants Nb Hicksville Bk First Nb Greenville Nb Farmers Svg Bk First Nb&Tc Firstbank Pauls Valley Nb Community St Bk First Nb&Tc State NJ NJ NJ NJ NJ NJ NJ NM NM NM NM NM NV NV NV NV NY NY NY NY NY NY NY NY NY NY NY NY OH OH OH OH OH OH OH OH OH OH OK OK OK OK OK Total Rank (1) 90.0 90.0 90.0 87.5 87.5 85.0 85.0 97.5 92.5 90.0 90.0 87.5 100.0 95.0 82.5 82.5 95.0 90.0 87.5 87.5 87.5 87.5 87.5 85.0 85.0 85.0 85.0 85.0 95.0 92.5 87.5 87.5 85.0 82.5 82.5 82.5 80.0 80.0 97.5 97.5 97.5 97.5 95.0 SSBL/TA (2) 0.034 0.1 0.032 0.059 0.062 0.034 0.016 0.359 0.085 0.166 0.163 0.224 0.066 0.228 0.041 0.018 0.062 0.175 0.046 0.048 0.051 0.092 0.117 0.051 0.037 0.046 0.041 0.091 0.155 0.077 0.056 0.102 0.07 0.06 0.08 0.242 0.042 0.049 0.275 0.216 0.229 0.198 0.26 SSBL/TBL (3) 0.088 0.239 0.111 0.132 0.213 0.064 0.117 1 0.246 1 1 1 1 1 0.071 0.064 0.215 1 0.124 0.171 0.23 1 1 0.235 0.133 0.158 0.183 0.338 0.462 0.308 0.28 1 0.378 0.279 0.375 1 0.423 1 1 1 1 1 1 SSBL# (5) 695 269 448 251 245 657 680 468 2,678 404 274 259 1,466,978 379 257 934 1,757 300 1,691 1,431 1,003 362 276 598 1,862 818 666 289 956 1,436 2,216 215 416 1,038 386 149 624 279 362 738 639 518 900 Bnk. Asset Sz. (6) $100M-500M <$100M $100M-500M $100M-500M $100M-500M $500M-$1B $500M-$1B <$100M $100M-500M $100M-500M $100M-500M <$100M >$10B <$100M $100M-500M $1B-$10B $500M-$1B $100M-500M $500M-$1B $500M-$1B $100M-500M <$100M $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M <$100M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M Total Rank (7) 85.0 70.0 65.0 75.0 62.5 70.0 50.0 80.0 72.5 62.5 55.0 60.0 80.0 67.5 75.0 70.0 85.0 65.0 80.0 80.0 77.5 57.5 55.0 82.5 82.5 77.5 67.5 67.5 80.0 65.0 75.0 55.0 60.0 72.5 67.5 60.0 57.5 50.0 85.0 82.5 82.5 82.5 87.5 LSBL$ (1000) (8) 122,969 35,366 79,871 46,571 34,531 156,562 68,905 23,715 57,967 16,970 16,993 16,608 1,275,581 11,394 44,800 203,926 164,212 21,058 212,314 167,052 86,261 8,907 17,466 62,538 279,916 103,916 73,287 24,491 73,248 97,909 124,146 20,568 24,509 69,640 28,593 9,841 25,612 10,324 23,720 21,609 24,468 25,529 60,688 LSBL# (9) 2,568 402 717 411 365 1,181 904 468 2,903 404 274 259 1,466,978 379 398 1,622 2,386 300 2,341 2,132 1,405 362 276 748 2,519 1,192 982 366 1,166 1,692 2,729 215 498 1,256 484 149 727 279 362 738 639 518 900 CRD/TA (10) 0.002 0 0.001 0 0 0.001 0 0.012 0 0 0.004 0 0.783 0 0 0 0 0 0 0 0.004 0.004 0 0.006 0 0.003 0 0 0.003 0.004 0.006 0.001 0.004 0 0 0.008 0.005 0 0.008 0 0 0 0 Page 25 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 25,739 22,360 23,332 11,258 12,444 17,459 20,284 13,785 8,322 19,306 12,013 16,016 31,643 33,227 73,535 61,126 20,066 67,155 36,224 29,627 14,404 15,907 22,251 50,447 91,044 25,161 34,114 15,378 2,352,819 63,475 60,252 36,460 40,589 76,518 47,358 26,570 17,619 2,107,645 19,536 12,354 22,858 24,927 5,427 Small Business Lending (<$1M) Bank Name First Nb&Tc Welch St Bk Bank of Western OK First St Bk First St Bk Porter Bank of Cushing & TC Liberty Nat Bk Payne Cty Bk American Exch Bk Mcclain Bk Na First B&TC Community Bk Columbia River Bk Premierwest Bk Community B&TC Old Forge Bk Mercer Cty St Bk County Nb Leesport Bk CSB Bk Elderton St Bk Peoples St Bk of Wyalusing Hamlin B&TC First Nat Cmnty Bk Community Bks First Citizens Nb Bank of Hanover & TC Community St Bk of Orbisonia Fleet Na Bk Anderson Bros Bk Palmetto St Bk Sumter Nb Enterprise Bk of SC Conway Nb Horry Cty St Bk Citizens Bk Peoples St Bk Citibank Usa Na Merchants St Bk First St Bk of Roscoe First Fidelity Bk First Nb SED Security St Bk State OK OK OK OK OK OK OK OK OK OK OK OR OR OR PA PA PA PA PA PA PA PA PA PA PA PA PA PA RI SC SC SC SC SC SC SC SD SD SD SD SD SD SD Total Rank (1) 95.0 95.0 92.5 90.0 90.0 90.0 90.0 90.0 90.0 90.0 90.0 90.0 90.0 80.0 97.5 95.0 92.5 92.5 90.0 90.0 87.5 87.5 87.5 85.0 85.0 85.0 85.0 85.0 80.0 95.0 92.5 90.0 90.0 90.0 87.5 87.5 92.5 92.5 90.0 87.5 87.5 82.5 82.5 SSBL/TA (2) 0.216 0.176 0.169 0.307 0.387 0.24 0.183 0.165 0.137 0.134 0.143 0.058 0.047 0.043 0.142 0.285 0.082 0.098 0.059 0.145 0.11 0.095 0.059 0.059 0.047 0.051 0.05 0.089 0.012 0.26 0.267 0.284 0.146 0.116 0.168 0.125 0.345 0.412 0.221 0.22 0.107 0.061 0.173 SSBL/TBL (3) 1 1 1 1 1 1 1 1 1 1 1 0.158 0.129 0.09 0.392 1 0.422 0.24 0.192 0.368 0.361 0.388 1 0.122 0.146 0.272 0.172 1 0.078 1 1 0.542 0.51 0.461 0.393 0.43 1 0.517 1 1 1 0.388 1 SSBL# (5) 325 442 653 345 278 350 516 370 480 315 416 559 1,073 949 2,715 781 838 1,447 2,524 608 650 722 549 1,619 2,222 798 1,632 353 81,223 1,160 800 774 1,176 2,574 1,644 1,422 207 1,388,392 334 200 573 4,610 122 Bnk. Asset Sz. (6) $100M-500M $100M-500M $100M-500M <$100M <$100M <$100M $100M-500M <$100M <$100M $100M-500M <$100M $100M-500M $500M-$1B $500M-$1B $500M-$1B $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $100M-500M $500M-$1B $100M-500M >$10B $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M <$100M $1B-$10B <$100M <$100M $100M-500M $100M-500M <$100M Total Rank (7) 82.5 77.5 72.5 80.0 80.0 75.0 72.5 70.0 70.0 67.5 65.0 70.0 55.0 65.0 82.5 82.5 77.5 75.0 90.0 75.0 77.5 72.5 50.0 77.5 75.0 72.5 72.5 47.5 55.0 72.5 72.5 82.5 75.0 70.0 95.0 67.5 87.5 77.5 82.5 72.5 67.5 67.5 67.5 LSBL$ (1000) (8) 25,739 22,360 23,332 11,258 12,444 17,459 20,284 13,785 8,322 19,306 12,013 79,737 122,440 203,438 133,800 61,126 47,495 162,348 163,784 64,765 39,908 37,919 22,251 199,527 348,801 83,109 129,618 15,378 5,219,371 63,475 60,252 66,199 78,893 145,711 120,558 57,502 17,619 2,366,555 19,536 12,354 22,858 50,187 5,427 LSBL# (9) 325 442 653 345 278 350 516 370 480 315 416 836 1,431 1,638 3,245 781 976 1,915 2,956 751 787 833 549 2,168 3,240 1,079 2,098 353 94,839 1,160 800 932 1,332 2,867 1,858 1,589 207 1,393,045 334 200 573 4,800 122 CRD/TA (10) 0 0.001 0 0 0 0 0 0 0 0 0 0 0.007 0.001 0.002 0 0 0.004 0 0 0 0.003 0 0 0.002 0.004 0 0 0.031 0.003 0.002 0 0.001 0.003 0 0 0.001 0.074 0.001 0 0 0.123 0 Page 26 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 5,832 33,660 57,701 36,348 73,463 31,940 43,306 26,209 30,951 18,355 26,258 21,462 38,950 24,877 26,634 25,104 24,693 24,930 53,758 28,488 36,086 329,273 507,523 574,000 302,335 20,876 871,256 40,305 43,578 31,828 20,822 19,300 26,808 17,192 27,056 18,381 12,171 44,453 26,454 49,372 20,388 9,553 Small Business Lending (<$1M) Bank Name Peoples St Bk Hardin County Bk First Bk of TN Traders Nb Citizens Bk First Nb of Lafollette Tennessee Cmrc Bk Peoples Bk Peoples Nb of Lafollette Peoples B&Tc Pickett Cty Macon B&TC Peoples St Bk First Nb Peoples Bk First Nb First St Bk First St Bk East TX Nb First Nb of Albany Breckenri Round Top St Bk City Nb Pitney Bowes Bk Universal Fc Advanta Bk Corp Associates Cap Bk Volvo Cmrl Cr Corp UT GE Cap Fncl Highlands Union Bk Grayson Nb Powell Valley Nb First & Citizens Bk Bank of The James New Peoples Bk Bank of Northumberland Peoples Cmnty Bk Benchmark Cmnty Bk Bank of Charlotte Cty Peoples Tc of St Albans Whidbey Island Bk Americanwest Bk Bank of The Pacific Bank of Fairfield State SD TN TN TN TN TN TN TN TN TN TN TX TX TX TX TX TX TX TX TX TX UT UT UT UT UT UT VA VA VA VA VA VA VA VA VA VA VT WA WA WA WA Total Rank (1) 82.5 100.0 97.5 97.5 97.5 97.5 95.0 95.0 95.0 95.0 95.0 100.0 97.5 97.5 97.5 97.5 97.5 97.5 95.0 95.0 95.0 97.5 97.5 97.5 95.0 92.5 92.5 97.5 97.5 95.0 95.0 92.5 92.5 92.5 92.5 90.0 90.0 95.0 87.5 87.5 85.0 85.0 SSBL/TA (2) 0.169 0.161 0.414 0.31 0.167 0.187 0.217 0.27 0.283 0.228 0.122 0.189 0.389 0.275 0.241 0.314 0.196 0.228 0.245 0.218 0.151 0.607 0.977 0.555 0.84 0.847 0.538 0.074 0.165 0.148 0.245 0.12 0.068 0.086 0.269 0.065 0.114 0.22 0.042 0.045 0.048 0.092 SSBL/TBL (3) 1 1 1 1 1 1 0.318 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0.994 0.999 1 1 1 0.729 0.314 1 0.412 1 0.259 0.205 0.414 1 0.26 0.501 1 0.129 0.112 0.102 0.416 SSBL# (5) 115 4,011 627 527 2,307 6,375 1,163 535 356 530 555 725 758 446 580 487 670 461 1,045 531 960 626,046 340,462 149,892 336,934 5,986 1,191,149 1,380 650 701 649 700 1,139 1,251 354 866 550 836 1,148 1,863 798 207 Bnk. Asset Sz. (6) <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M <$100M $100M-500M $100M-500M $100M-500M <$100M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $500M-$1B $1B-$10B $100M-500M <$100M $1B-$10B $500M-$1B $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $100M-500M $100M-500M Total Rank (7) 62.5 77.5 87.5 85.0 80.0 75.0 100.0 77.5 77.5 77.5 65.0 80.0 87.5 85.0 85.0 82.5 82.5 82.5 85.0 80.0 77.5 92.5 90.0 90.0 92.5 82.5 80.0 80.0 70.0 75.0 70.0 87.5 82.5 77.5 67.5 72.5 60.0 65.0 72.5 67.5 80.0 40.0 LSBL$ (1000) (8) 5,832 33,660 57,701 36,348 73,463 31,940 136,123 26,209 30,951 18,355 26,258 21,462 38,950 24,877 26,634 25,104 24,693 24,930 53,758 28,488 36,086 331,205 508,064 574,000 302,335 20,876 891,072 106,772 43,578 58,837 20,822 68,145 100,520 41,543 27,056 57,930 22,124 44,453 153,749 243,602 154,053 19,005 LSBL# (9) 115 4,011 627 527 2,307 6,375 1,501 535 356 530 555 725 758 446 580 487 670 461 1,045 531 960 626,056 340,466 149,892 336,934 5,986 1,191,966 1,718 650 824 649 951 1,549 1,437 354 1,073 605 836 1,756 2,760 1,331 267 CRD/TA (10) 0 0 0 0 0 0 0.002 0 0 0 0 0 0 0.002 0 0 0 0 0 0.002 0 0 0 0 0 0 0.136 0.002 0 0 0.003 0 0 0 0 0 0 0 0.003 0.004 0.003 0.015 Page 27 of 80 3B. Banks' Micro Business Lending by State Using Call Report Data, June 2004 Micro-Business Lending (<$100k) SSBL$ (1000) (4) 4,690 4,930 6,248 11,660 6,749 39,354 37,645 45,201 23,499 32,895 28,962 21,257 118,183 13,746 20,808 19,065 40,916 23,563 16,515 20,275 14,858 15,654 16,739 43,984 15,930 16,779 Small Business Lending (<$1M) Bank Name Twin River Nb State Nb Coastal Cmnty Bk Baker Boyer Nb Islanders Bk Royal Bk Northern St Bk Reedsburg Bk Timberwood Bk Premier Cmnty Bk Laona St Bk Peoples St Bk of Bloomer First Nb Manitowoc River Falls St Bk Shell Lake St Bk Badger St Bk Poca Valley Bk Community Bk of Parkersburg Calhoun Cty Bk Union Bk Bank of Mingo Bruceton Bk Bank of Star Valley Hilltop Nb Bank of Cmrc Rawlins Nb State WA WA WA WA WA WI WI WI WI WI WI WI WI WI WI WI WV WV WV WV WV WV WY WY WY WY Total Rank (1) 80.0 77.5 75.0 75.0 75.0 100.0 100.0 97.5 97.5 97.5 95.0 95.0 92.5 92.5 92.5 92.5 97.5 95.0 92.5 90.0 87.5 85.0 97.5 95.0 95.0 87.5 SSBL/TA (2) 0.091 0.086 0.056 0.031 0.042 0.279 0.257 0.277 0.412 0.22 0.283 0.218 0.195 0.186 0.177 0.232 0.203 0.131 0.192 0.281 0.147 0.089 0.274 0.132 0.249 0.143 SSBL/TBL (3) 0.273 0.166 0.097 0.112 0.213 1 1 1 1 1 1 1 0.576 1 1 1 1 1 1 1 1 0.274 1 0.616 1 0.345 SSBL# (5) 177 185 242 506 278 592 598 581 411 511 506 511 1,693 440 375 299 495 522 479 469 311 471 390 811 306 313 Bnk. Asset Sz. (6) <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $500M-$1B <$100M $100M-500M <$100M $100M-500M $100M-500M <$100M <$100M $100M-500M $100M-500M <$100M $100M-500M <$100M $100M-500M Total Rank (7) 55.0 67.5 77.5 57.5 40.0 82.5 80.0 82.5 80.0 75.0 75.0 67.5 80.0 65.0 65.0 62.5 80.0 67.5 67.5 75.0 55.0 80.0 77.5 75.0 67.5 65.0 LSBL$ (1000) (8) 17,165 26,523 56,626 67,815 22,704 39,354 37,645 45,201 23,499 32,895 28,962 21,257 158,589 13,746 20,808 19,065 40,916 23,563 16,515 20,275 14,858 48,443 16,739 63,169 15,930 32,793 LSBL# (9) 254 324 444 764 353 592 598 581 411 511 506 511 2,103 440 375 299 495 522 479 469 311 664 390 921 306 407 CRD/TA (10) 0 0.007 0.004 0.006 0.001 0.002 0.001 0.002 0 0.001 0.001 0 0.001 0.002 0.001 0.001 0.006 0.008 0 0 0 0.003 0 0.004 0 0 Source: U.S. Small Businesss Administration, Office of Advocacy, Office of Economic Research, from the Call Report collected by the Federal Reserve. Page 28 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) LSBL# (2) Bk. Size (3) SSBL$ (1,000) (4) SSBL# (5) LSBL (2) $ (1,000) (6) LSBL(2) # (7) Alabama Regions Financial Corporation Amsouth Bancorporation Southtrust Corporation Synovus Financial Corp. Compass Bancshares Inc. Colonial Bancgroup Inc. Th Aliant Financial Corporation Alabama National Bancorporat Whitney Holding Corporation MBNA Corporation Banc Corporation The Union Planters Corporation Auburn National Bancorporati Suntrust Banks Inc. Bancorpsouth Inc. Alaska First Nb Alaska Wells Fargo & Company Northrim Bancorp Inc. Keycorp Arizona Wells Fargo & Company Zions Bancorporation Marshall & Ilsley Corporatio Capitol Bancorp Ltd. Bank One Corporation Compass Bancshares Inc. Bank Of America Corporation MBNA Corporation Citigroup Inc. Northern Trust Corporation Cobiz Inc. Comerica Incorporated First National Bank Holding American Express Centurion B Arkansas Regions Financial Corporatio Arvest Bank Group Inc. Simmons First National Corpo Bank Of The Ozarks Inc Bancorpsouth Inc. U.S. Bancorp First Bank Corp Summit Bancorp Inc. AL AL AL GA AL AL AL AL LA DE AL TN AL GA MS AK CA AK OH CA UT WI MI IL AL NC DE NY IL CO MI AZ UT AL AR AR AR MS MN AR AR 1,108,707 1,002,170 833,431 611,572 477,441 341,901 188,573 180,665 126,074 113,447 85,475 66,934 65,664 54,650 52,145 382,148 224,852 107,888 74,565 884,667 417,163 285,466 255,035 232,324 196,808 194,576 117,671 85,925 81,508 67,023 60,519 54,183 51,963 557,483 498,491 223,813 134,654 114,059 102,305 95,386 94,341 10,253 11,259 5,076 4,969 3,457 3,371 1,423 1,767 828 18,114 988 347 592 527 579 3,362 3,626 757 378 26,043 2,230 1,431 1,335 11,597 1,385 5,433 10,503 16,648 380 285 126 233 15,187 6,500 4,546 2,949 2,043 1,571 1,207 1,071 1,068 $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B <$1B $1B-$10B $1B-$10B >$50B $1B-$10B $10B-$50B <$1B >$50B $10B-$50B $1B-$10B >$50B <$1B >$50B >$50B $10B-$50B $10B-$50B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B $1B-$10B >$50B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B >$50B $1B-$10B <$1B 243,674 331,765 125,113 126,982 91,387 84,199 38,491 43,469 19,736 110,307 24,235 8,169 13,752 10,863 13,327 85,328 88,587 23,679 9,544 568,476 46,159 33,227 32,409 94,769 37,888 73,214 116,643 84,517 11,382 7,444 673 4,869 51,813 148,443 107,711 67,204 43,575 33,996 25,127 21,863 25,809 7,594 9,169 2,958 3,419 2,329 2,514 791 1,352 509 18,104 761 189 423 383 452 2,341 3,221 493 213 24,990 1,246 783 653 11,200 974 5,113 10,498 16,640 191 129 11 97 15,186 5,140 3,330 2,402 1,710 1,316 969 799 837 865,033 670,405 708,318 484,590 386,054 257,702 150,082 137,196 106,338 3,140 61,240 58,765 51,912 43,787 38,818 296,820 136,265 84,209 65,021 316,191 371,004 252,239 222,626 137,555 158,920 121,362 1,028 1,408 70,126 59,579 59,846 49,314 150 409,040 390,780 156,609 91,079 80,063 77,178 73,523 68,532 2,659 2,090 2,118 1,550 1,128 857 632 415 319 10 227 158 169 144 127 1,021 405 264 165 1,053 984 648 682 397 411 320 5 8 189 156 115 136 1 1,360 1,216 547 333 255 238 272 231 Page 29 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 88,473 74,600 58,966 53,949 50,560 7,257,419 1,791,634 1,633,509 908,995 884,037 876,787 870,573 862,207 804,872 781,828 575,875 450,578 386,943 384,394 378,623 292,771 274,889 265,686 254,301 236,901 236,292 229,838 228,356 225,544 203,374 198,478 186,655 180,280 173,644 172,749 166,630 165,987 163,504 160,540 158,160 154,519 152,821 149,260 138,418 LSBL# (2) 1,854 749 898 607 452 219,084 27,115 38,490 2,542 3,462 11,205 88,873 6,947 3,862 151,809 1,861 123,986 2,135 44,618 3,233 705 1,248 1,368 546 10,090 1,206 916 1,702 892 971 1,017 425 518 937 623 673 565 861 662 712 41,240 1,122 22,531 491 Bk. Size (3) $1B-$10B $10B-$50B >$50B $1B-$10B <$1B >$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B SSBL$ (1,000) (4) 40,288 17,072 9,891 13,259 12,253 5,020,378 743,741 593,011 38,234 79,385 138,438 868,093 203,010 119,250 775,549 38,683 447,651 64,831 384,394 52,856 7,367 35,630 38,014 3,389 214,647 33,047 22,137 40,396 21,332 22,739 28,961 1,686 10,732 27,261 12,916 14,752 12,981 25,444 15,765 18,320 151,629 23,459 149,260 11,224 SSBL# (5) 1,674 566 794 469 333 211,677 24,318 36,013 658 1,546 9,394 88,860 5,389 2,145 151,783 625 123,968 1,160 44,618 2,379 103 612 740 57 9,989 652 409 1,207 380 507 501 22 170 539 225 287 196 506 246 361 41,230 593 22,531 173 LSBL (2) $ (1,000) (6) 48,185 57,528 49,075 40,690 38,307 2,237,041 1,047,893 1,040,498 870,761 804,652 738,349 2,480 659,197 685,622 6,279 537,192 2,927 322,112 0 325,767 285,404 239,259 227,672 250,912 22,254 203,245 207,701 187,960 204,212 180,635 169,517 184,969 169,548 146,383 159,833 151,878 153,006 138,060 144,775 139,840 2,890 129,362 0 127,194 LSBL(2) # (7) 180 183 104 138 119 7,407 2,797 2,477 1,884 1,916 1,811 13 1,558 1,717 26 1,236 18 975 0 854 602 636 628 489 101 554 507 495 512 464 516 403 348 398 398 386 369 355 416 351 10 529 0 318 First Security Bancorp Union Planters Corporation Bank Of America Corporation Home Bancshares Inc. Pulaski Investment Corporati California Wells Fargo & Company Union Bk Of CA Na Bank Of America Corporation Comerica Incorporated City National Corporation U.S. Bancorp MBNA Corporation Bank Of The West Zions Bancorporation Citigroup Inc. Greater Bay Bancorp American Express Centurion B Westamerica Bancorporation Advanta Bk Corp Mellon Financial Corporation UCBH Holdings Inc. Eggemeyer Advisory Corp. CVB Financial Corp. East West Bancorp Inc. J.P. Morgan Chase & Co. Hanmi Financial Corporation Community Bk Pacific Capital Bancorp First Banks Inc. Farmers & Mrch Bk Pacific Union Bank Signature Bk Cathay general Bancorp Mid-State Bancshares Wilshire St Bk California Community Financi Heritage Commerce Corp Center Financial Corporation Nara Bancorp Inc. Central Coast Bancorp GE Cap Fncl Sierra Bancorp Pitney Bowes Bk Fremont Bancorporation AR TN NC AR AR CA CA NC MI CA MN DE CA UT NY CA UT CA UT PA CA CA CA CA NY CA CA CA MO CA CA NY CA CA CA CA CA CA CA CA UT CA UT CA Page 30 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 124,934 123,937 123,691 121,754 121,180 120,394 110,713 103,294 94,616 93,410 91,149 87,846 86,954 86,819 85,108 82,145 78,759 78,704 77,786 77,388 69,316 68,999 68,846 68,776 68,135 67,336 63,873 62,569 61,571 60,487 54,772 53,652 53,097 890,293 333,610 305,251 258,835 225,124 198,571 196,461 189,515 153,575 139,319 136,242 LSBL# (2) 244 728 333 378 32,218 420 567 565 272 986 434 403 11,190 388 556 294 340 711 170 377 239 341 311 342 484 354 273 337 485 154 241 74 259 23,761 2,369 6,622 1,346 1,278 1,522 2,248 1,929 10,990 1,193 14,580 Bk. Size (3) $1B-$10B $1B-$10B <$1B <$1B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B <$1B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B >$50B >$50B >$50B SSBL$ (1,000) (4) 2,020 20,704 3,207 8,402 110,328 8,156 12,820 15,018 5,224 33,211 10,755 9,661 80,590 9,955 16,615 5,631 7,895 20,855 2,077 11,415 7,235 11,473 7,065 9,231 13,222 10,565 5,886 9,003 9,649 2,070 5,249 0 5,719 515,566 59,704 75,575 33,478 33,689 36,978 34,411 35,080 60,396 29,272 135,532 SSBL# (5) 28 493 68 125 32,191 151 300 314 79 788 192 200 11,181 185 370 105 154 527 33 180 109 187 116 178 312 194 121 180 341 25 114 0 126 22,538 1,535 5,982 704 741 1,033 1,789 1,492 10,748 883 14,576 LSBL (2) $ (1,000) (6) 122,914 103,233 120,484 113,352 10,852 112,238 97,893 88,276 89,392 60,199 80,394 78,185 6,364 76,864 68,493 76,514 70,864 57,849 75,709 65,973 62,081 57,526 61,781 59,545 54,913 56,771 57,987 53,566 51,922 58,417 49,523 53,652 47,378 374,727 273,906 229,676 225,357 191,435 161,593 162,050 154,435 93,179 110,047 710 LSBL(2) # (7) 216 235 265 253 27 269 267 251 193 198 242 203 9 203 186 189 186 184 137 197 130 154 195 164 172 160 152 157 144 129 127 74 133 1,223 834 640 642 537 489 459 437 242 310 4 Silicon Valley Bancshares Mechanics Bk Northern Empire Bancshares First Regional Bancorp Bank One Corporation Popular Inc. Valley Indep Bk First Northern Community Ban Manufacturers Bk Trico Bancshares Capital Corp Of The West Montecito Bancorp Fleetboston Financial Corpor FBOP Corporation Bank Of Marin Community Bancorp Inc. RCB Corporation Exchange Bk Wachovia Corporation USDB Bancorp First Republic Bk BWC Financial Corp. Pacific Mercantile Bancorp 1867 Western Financial Corpo San Joaquin Bk Redding Bancorp Business Bancorp Humboldt Bancorp Farmers & Merchants Bancorp Far East Nb Foothill Independent Bancorp Affinity Bk Community Valley Bancorp Colorado Wells Fargo & Company Zions Bancorporation U.S. Bancorp Cobiz Inc. Guaranty Corporation Community First Bankshares Firstbank Holding Company Lauritzen Corporation Bank One Corporation Keycorp MBNA Corporation CA CA CA CA IL PR CA CA CA CA CA CA MA IL CA CA CA CA NC CA NV CA CA CA CA CA CA CA CA CA CA CA CA CA UT MN CO CO ND CO NE IL OH DE Page 31 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 133,321 125,070 96,910 91,085 90,622 87,730 86,700 72,192 69,736 54,001 285,619 274,744 222,612 120,403 94,792 81,056 64,855 61,657 209,068 98,242 97,028 50,920 100,811 77,020 51,631 2,004,243 1,729,171 1,356,890 1,021,023 735,273 400,751 373,712 360,392 351,724 325,833 309,506 215,199 214,543 206,371 199,749 198,227 LSBL# (2) 800 1,166 590 613 1,200 17,694 574 805 7,880 2,336 2,277 9,836 5,971 659 471 14,146 1,996 9,772 1,126 697 1,063 369 456 581 419 16,526 20,030 14,954 24,636 4,305 57,351 2,579 81,864 11,227 1,836 2,195 37,131 1,930 23,566 1,490 1,022 Bk. Size (3) <$1B $1B-$10B $1B-$10B <$1B $1B-$10B >$50B $10B-$50B <$1B $1B-$10B >$50B >$50B $1B-$10B >$50B $10B-$50B $1B-$10B >$50B >$50B >$50B $1B-$10B >$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $1B-$10B $10B-$50B $10B-$50B $1B-$10B <$1B $10B-$50B SSBL$ (1,000) (4) 20,128 25,679 17,112 13,996 24,407 86,144 15,665 20,943 69,736 51,682 73,876 152,865 160,439 15,440 12,452 77,731 62,026 61,210 29,438 21,738 29,467 8,685 12,207 19,135 8,226 531,665 435,590 435,376 337,528 103,638 389,389 66,078 359,143 327,208 50,832 51,664 212,421 44,679 206,371 43,064 28,047 SSBL# (5) 485 864 364 390 982 17,689 386 604 7,880 2,327 1,699 9,510 5,729 384 212 14,138 1,970 9,770 584 490 872 246 232 439 308 12,669 16,281 12,274 22,746 2,458 57,298 1,641 81,859 11,076 1,057 1,429 37,116 1,437 23,566 1,007 528 LSBL (2) $ (1,000) (6) 113,193 99,391 79,798 77,089 66,215 1,586 71,035 51,249 0 2,319 211,743 121,879 62,173 104,963 82,340 3,325 2,829 447 179,630 76,504 67,561 42,235 88,604 57,885 43,405 1,472,578 1,293,581 921,514 683,495 631,635 11,362 307,634 1,249 24,516 275,001 257,842 2,778 169,864 0 156,685 170,180 LSBL(2) # (7) 315 302 226 223 218 5 188 201 0 9 578 326 242 275 259 8 26 2 542 207 191 123 224 142 111 3,857 3,749 2,680 1,890 1,847 53 938 5 151 779 766 15 493 0 483 494 Citywide Banks Of Colorado Pinnacle Bancorp Inc. Sturm Financial Group Inc. Front Range Capital Corporat Alpine Banks Of Colorado Citigroup Inc. Compass Bancshares Inc. Centennial Bank Holdings In Advanta Bk Corp J.P. Morgan Chase & Co. Connecticut Wachovia Corporation Fleetboston Financial Corpor J.P. Morgan Chase & Co. Banknorth Group Inc. Hudson United Bancorp Citigroup Inc. Wells Fargo & Company MBNA Corporation Delaware Wilmington Trust Corporation Wachovia Corporation PNC Financial Services Group Mercantile Bankshares Corpor District of Columbia BB&T Corporation Wachovia Corporation Suntrust Banks Inc. Florida Wachovia Corporation Suntrust Banks Inc. Amsouth Bancorporation Bank Of America Corporation Southtrust Corporation MBNA Corporation Synovus Financial Corp. Citigroup Inc. Wells Fargo & Company Colonial Bancgroup Inc. Th F.N.B. Corporation American Express Centurion B Mellon Financial Corporation Advanta Bk Corp Tampa Banking Company The Union Planters Corporation CO NE CO CO CO NY AL CO UT NY NC MA NY ME NJ NY CA DE DE NC PA MD NC NC GA NC GA AL NC AL DE GA NY CA AL FL UT PA UT FL TN Page 32 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 191,655 177,524 146,921 143,685 127,859 117,600 112,667 112,651 108,713 102,228 100,702 89,393 87,106 83,055 81,134 79,216 77,586 75,291 71,997 71,081 71,015 69,503 67,213 66,904 65,316 61,653 61,450 59,909 56,280 55,025 54,196 52,281 50,338 1,408,002 1,334,559 988,923 929,944 804,516 366,062 306,475 278,579 265,119 203,651 149,696 LSBL# (2) 1,287 1,378 6,929 39,988 708 528 1,707 759 369 402 452 607 431 559 936 215 504 17,854 324 11,884 728 7,666 312 375 574 2,824 519 299 524 433 335 321 2,393 12,154 10,291 6,762 6,176 7,031 6,855 1,749 3,545 2,060 30,402 1,894 Bk. Size (3) $10B-$50B $10B-$50B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B >$50B $10B-$50B $1B-$10B $1B-$10B <$1B $1B-$10B >$50B $1B-$10B >$50B $10B-$50B <$1B <$1B $1B-$10B >$50B <$1B $1B-$10B <$1B $10B-$50B <$1B <$1B $1B-$10B <$1B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B SSBL$ (1,000) (4) 33,058 37,311 132,201 141,477 17,734 12,584 42,293 20,370 8,195 9,023 9,970 16,318 11,716 18,612 22,531 2,359 9,385 53,897 8,175 71,081 21,489 59,719 6,536 10,582 17,139 29,338 12,350 7,706 12,902 10,395 8,015 7,277 22,887 287,193 208,657 160,546 174,726 168,819 97,864 41,111 75,165 43,837 198,298 44,415 SSBL# (5) 797 980 6,859 39,982 365 251 1,467 477 158 165 227 396 219 385 730 37 306 17,805 145 11,884 543 7,641 161 222 442 2,705 380 158 385 307 193 176 2,322 8,748 7,102 4,553 4,249 5,020 6,103 1,010 2,807 1,404 30,375 1,523 LSBL (2) $ (1,000) (6) 158,597 140,213 14,720 2,208 110,125 105,016 70,374 92,281 100,518 93,205 90,732 73,075 75,390 64,443 58,603 76,857 68,201 21,394 63,822 0 49,526 9,784 60,677 56,322 48,177 32,315 49,100 52,203 43,378 44,630 46,181 45,004 27,451 1,120,809 1,125,902 828,377 755,218 635,697 268,198 265,364 203,414 221,282 5,353 105,281 LSBL(2) # (7) 490 398 70 6 343 277 240 282 211 237 225 211 212 174 206 178 198 49 179 0 185 25 151 153 132 119 139 141 139 126 142 145 71 3,406 3,189 2,209 1,927 2,011 752 739 738 656 27 371 Regions Financial Corporatio Compass Bancshares Inc. J.P. Morgan Chase & Co. GE Cap Fncl Gold Banc Corporation Inc. Florida Banks Inc. Capital City Bank Group Inc CNB Florida Bancshares Inc. City National Bancshares In Fifth Third Bancorp Republic Bancshares Inc. Alabama National Bancorporat Commercebank Na Transatlantic Bk Riverside Banking Company Comerica Incorporated Southern Community Bancorp Bank One Corporation Northern Trust Corporation Pitney Bowes Bk Citrus & Chemical Bancorpora Fleetboston Financial Corpor BB&T Corporation Tib Financial Corp. Ocean Bankshares Inc. Totalbank South Financial Group The Commercial Bankshares Inc. Florida Community Banks Inc Seacoast Banking Corporation Prosperity Banking Company Whitney Holding Corporation U.S. Bancorp Georgia Synovus Financial Corp. Suntrust Banks Inc. BB&T Corporation Wachovia Corporation Regions Financial Corporatio Bank Of America Corporation Southtrust Corporation United Community Banks Inc. Main Street Banks Inc. MBNA Corporation ABC Bancorp AL AL NY UT KS FL FL FL FL OH FL AL FL FL FL MI FL IL IL UT FL MA NC FL FL FL SC FL FL FL FL LA MN GA GA NC NC AL NC AL GA GA DE GA Page 33 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 131,258 120,926 109,104 107,773 103,099 85,397 81,566 74,734 74,601 73,052 71,663 69,356 68,618 67,258 66,994 66,940 64,021 63,265 62,329 61,975 56,916 52,853 52,783 52,151 51,539 314,018 160,924 158,131 126,108 98,044 295,503 258,705 129,195 120,267 115,592 86,110 83,454 72,223 61,000 859,846 790,827 681,387 LSBL# (2) 1,715 26,486 3,595 1,092 15,181 1,047 825 814 311 2,920 8,132 508 1,242 434 385 1,062 17,763 747 394 430 947 476 741 317 602 4,877 1,278 701 966 736 7,083 2,789 717 876 1,181 865 551 1,163 776 5,675 5,737 20,425 Bk. Size (3) <$1B >$50B >$50B <$1B $10B-$50B <$1B <$1B $10B-$50B <$1B >$50B $1B-$10B $1B-$10B <$1B $10B-$50B <$1B <$1B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B >$50B $1B-$10B <$1B <$1B $10B-$50B >$50B <$1B <$1B >$50B $10B-$50B >$50B SSBL$ (1,000) (4) 42,267 118,682 104,093 21,019 102,602 24,683 18,942 21,289 8,893 69,287 71,663 13,169 29,906 10,516 7,530 23,546 63,386 13,230 11,399 11,470 18,073 12,879 17,047 5,711 14,129 100,893 37,453 17,733 34,392 20,276 149,388 45,728 15,309 22,025 23,400 20,873 14,578 28,879 20,421 165,220 108,162 136,790 SSBL# (5) 1,320 26,477 3,557 816 15,177 835 614 648 151 2,900 8,132 367 1,090 256 166 894 17,760 600 249 291 801 327 616 202 487 4,287 949 347 702 509 6,606 2,206 411 480 844 636 359 953 617 4,147 3,938 19,131 LSBL (2) $ (1,000) (6) 88,991 2,244 5,011 86,754 497 60,714 62,624 53,445 65,708 3,765 0 56,187 38,712 56,742 59,464 43,394 635 50,035 50,930 50,505 38,843 39,974 35,736 46,440 37,410 213,125 123,471 140,398 91,716 77,768 146,115 212,977 113,886 98,242 92,192 65,237 68,876 43,344 40,579 694,626 682,665 544,597 LSBL(2) # (7) 395 9 38 276 4 212 211 166 160 20 0 141 152 178 219 168 3 147 145 139 146 149 125 115 115 590 329 354 264 227 477 583 306 396 337 229 192 210 159 1,528 1,799 1,294 Community Bankshares Inc. Citigroup Inc. Wells Fargo & Company The Brand Banking Company American Express Centurion B DBT Holding Company Georgia Bank Financial Corpo Amsouth Bancorporation Summit Bank Corporation J.P. Morgan Chase & Co. Advanta Bk Corp Fidelity Southern Corporatio Queensborough Company The Colonial Bancgroup Inc. Th Savannah Bancorp Inc. The United Bank Corporation GE Cap Fncl WGNB Corp. ABS Investors Llc Security Bank Corporation Mid State Banks Inc. Flag Financial Corporation Farmers & Mrch Bk Henry County Bancshares Inc Crescent Banking Company Hawaii Bank Of The West Bank Of Hawaii Corporation Central Pacific Financial Co CB Bancshares Inc. Hawaii National Bancshares Idaho Wells Fargo & Company U.S. Bancorp W.T.B. Financial Corporation Idaho Independent Bk F & M Holding Company Zions Bancorporation Keycorp Bank Of Cmrc D. L. Evans Bancorp Illinois Lasalle Bk Na Harris T&Sb Bank One Corporation GA NY CA GA UT GA GA AL GA NY UT GA GA AL GA GA UT GA GA GA GA GA GA GA GA CA HI HI HI HI CA MN WA ID ID UT OH ID ID IL IL IL Page 34 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 595,738 595,400 466,510 387,502 323,759 257,928 253,442 245,920 231,043 212,108 202,568 199,019 198,482 197,856 184,766 182,245 154,878 152,100 149,059 143,970 140,655 139,942 136,820 128,476 124,564 120,760 118,939 113,848 110,090 107,106 106,241 99,008 94,733 92,862 91,917 86,624 86,542 83,031 82,596 77,845 76,692 74,491 71,766 71,109 70,534 LSBL# (2) 2,727 3,596 1,976 6,128 1,449 1,280 7,637 43,621 1,151 1,458 27,548 1,730 786 727 1,997 885 775 783 1,111 593 637 1,210 616 1,053 1,531 13,606 822 4,681 567 755 409 480 372 703 370 473 1,021 702 821 1,293 624 19,447 434 816 724 Bk. Size (3) >$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B >$50B $10B-$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B $10B-$50B <$1B $1B-$10B <$1B <$1B $1B-$10B SSBL$ (1,000) (4) 65,595 90,046 43,400 106,476 31,112 31,239 211,974 244,955 28,370 32,419 200,426 41,383 16,679 14,622 37,519 17,976 18,760 15,325 26,902 12,429 15,784 32,601 15,688 25,537 36,929 120,760 19,175 108,162 14,048 17,940 9,747 10,994 8,465 18,902 7,855 12,410 26,858 15,785 18,702 19,819 19,020 74,491 9,664 19,629 19,137 SSBL# (5) 1,258 2,153 854 5,285 618 649 7,468 43,617 582 934 27,537 1,286 326 287 1,536 457 386 345 735 275 314 885 306 761 1,232 13,606 508 4,652 283 513 158 233 149 470 159 272 806 505 609 1,107 437 19,447 253 640 567 LSBL (2) $ (1,000) (6) 530,143 505,354 423,110 281,026 292,647 226,689 41,468 965 202,673 179,689 2,142 157,636 181,803 183,234 147,247 164,269 136,118 136,775 122,157 131,541 124,871 107,341 121,132 102,939 87,635 0 99,764 5,686 96,042 89,166 96,494 88,014 86,268 73,960 84,062 74,214 59,684 67,246 63,894 58,026 57,672 0 62,102 51,480 51,397 LSBL(2) # (7) 1,469 1,443 1,122 843 831 631 169 4 569 524 11 444 460 440 461 428 389 438 376 318 323 325 310 292 299 0 314 29 284 242 251 247 223 233 211 201 215 197 212 186 187 0 181 176 157 Fifth Third Bancorp First Midwest Bancorp Inc. MB Financial Inc U.S. Bancorp West Suburban Bancorp Inc. Amcore Financial Inc. Wells Fargo & Company Citigroup Inc. Wintrust Financial Corporati Old Second Bancorp Inc. MBNA Corporation First Banks Inc. American Chartered Bancorp First American Bank Corporat National City Corporation Associated Banc-Corp Standard Bancshares Inc. Metropolitan Bank Group Inc Union Planters Corporation CIB Marine Bancshares Inc. Northern Trust Corporation Banc Ed Corp. The Taylor Capital Group Inc. Main Street Trust Inc. First Mid-Illinois Bancshare Advanta Bk Corp Midwest Banc Holdings Inc. J.P. Morgan Chase & Co. FBOP Corporation Commerce Bancshares Inc. Privatebancorp Inc. Popular Inc. BB&T Bancshares Corp. West Pointe Bancorp Inc. Bridgeview Bancorp Inc. Peotone Bancorp Inc. Banterra Corp Home State Bancorp Inc. Princeton National Bancorp Lauritzen Corporation Great Lakes Financial Resour GE Cap Fncl Marine Bancorp Inc. Heartland Bancorp Inc. Old National Bancorp OH IL IL MN IL IL CA NY IL IL DE MO IL IL OH WI IL IL TN WI IL IL IL IL IL UT IL NY IL MO IL PR IL IL IL IL IL IL IL NE IL UT IL IL IN Page 35 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 70,398 69,895 68,753 67,081 65,793 63,531 62,431 61,983 61,347 60,623 59,454 59,213 58,208 58,113 673,470 426,989 361,417 329,458 271,296 234,626 227,419 221,617 196,010 177,203 164,806 163,098 151,772 123,473 103,820 97,975 94,556 92,389 90,150 81,877 80,425 76,954 72,079 71,897 70,925 67,850 65,403 64,609 62,431 61,589 LSBL# (2) 13,330 800 410 506 327 550 483 397 385 510 324 242 220 1,349 3,635 3,366 3,865 8,983 2,625 1,179 1,645 1,488 4,625 1,091 1,270 775 1,698 17,814 636 1,112 476 961 720 17,983 351 586 446 933 625 797 402 452 6,598 390 Bk. Size (3) $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B $10B-$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B <$1B $1B-$10B $10B-$50B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B <$1B <$1B >$50B <$1B $1B-$10B <$1B $10B-$50B >$50B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B SSBL$ (1,000) (4) 70,133 18,133 10,188 13,731 7,130 14,450 12,778 10,387 9,533 13,414 7,729 5,168 4,254 13,647 95,131 88,038 72,393 65,213 69,843 29,809 42,209 36,790 120,828 28,711 31,297 21,073 44,575 122,031 14,269 29,518 11,384 18,586 18,071 81,664 7,816 16,651 13,692 27,452 15,678 19,145 9,945 13,672 62,306 10,891 SSBL# (5) 13,328 633 241 332 159 377 334 236 249 359 172 82 92 1,250 2,008 2,371 3,034 8,264 1,961 594 1,024 933 4,368 674 826 371 1,298 17,805 374 886 246 710 504 17,981 157 377 265 820 484 638 244 295 6,597 262 LSBL (2) $ (1,000) (6) 265 51,762 58,565 53,350 58,663 49,081 49,653 51,596 51,814 47,209 51,725 54,045 53,954 44,466 578,339 338,951 289,024 264,245 201,453 204,817 185,210 184,827 75,182 148,492 133,509 142,025 107,197 1,442 89,551 68,457 83,172 73,803 72,079 213 72,609 60,303 58,387 44,445 55,247 48,705 55,458 50,937 125 50,698 LSBL(2) # (7) 2 167 169 174 168 173 149 161 136 151 152 160 128 99 1,627 995 831 719 664 585 621 555 257 417 444 404 400 9 262 226 230 251 216 2 194 209 181 113 141 159 158 157 1 128 American Express Centurion B Hometown Community Bancorp Charter One Financial Inc. Heartland Financial Usa Inc Marquette National Corporati First Busey Corporation Mid Illinois Bancorp Inc. Itasca Bancorp Inc. Spring Bancorp Inc. Midland States Bancorp Inc. Palos Bancshares Inc. Foster Bankshares Inc. Marshall & Ilsley Corporatio Bank Of America Corporation Indiana Fifth Third Bancorp Old National Bancorp National City Corporation Bank One Corporation First Merchants Corporation Salin Bancshares Inc. 1st Source Corporation Union Planters Corporation Wells Fargo & Company Lakeland Financial Corporati Star Financial Group Inc. Irwin Financial Corporation First Financial Bancorp MBNA Corporation Hasten Bancshares First Financial Corporation Tower Financial Corporation First Farmers Financial Corp Monroe Bancorp Citigroup Inc. National Bank Of Indianapoli First Bancshares Inc. Community Bank Shares Of Ind Huntington Bancshares Incorp Keycorp Mainsource Financial Group Mercantile Bancorp Inc. Bank Calumet Inc. Advanta Bk Corp First Indiana Corporation UT IL OH IA IL IL IL IL IL IL IL IL WI NC OH IN OH IL IN IN IN TN CA IN IN IN OH DE IN IN IN IN IN NY IN IN IN OH OH IN IN IN UT IN Page 36 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 55,954 53,980 53,561 51,687 457,761 343,833 129,480 109,249 107,356 101,701 99,889 93,172 65,843 63,375 60,660 58,952 58,042 53,500 52,621 52,264 253,288 211,632 165,699 134,033 116,576 113,959 97,613 88,149 83,882 80,649 80,203 66,706 63,947 58,460 55,457 54,532 52,504 50,866 468,152 413,362 297,034 221,172 LSBL# (2) 1,407 371 401 523 5,202 6,305 712 964 799 356 1,288 755 495 580 8,463 588 1,920 430 341 740 1,932 1,886 1,664 1,035 1,295 1,309 1,377 800 723 636 476 7,629 410 1,041 976 340 464 842 2,268 2,969 2,927 2,944 Bk. Size (3) >$50B <$1B <$1B <$1B >$50B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B >$50B <$1B <$1B <$1B $10B-$50B <$1B $1B-$10B $10B-$50B >$50B $1B-$10B <$1B <$1B >$50B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B $1B-$10B <$1B <$1B <$1B $1B-$10B <$1B >$50B >$50B >$50B >$50B SSBL$ (1,000) (4) 20,050 10,169 10,383 13,918 104,306 141,171 15,414 23,603 17,216 6,126 29,934 13,942 12,966 14,980 60,360 13,121 33,656 11,497 8,101 14,689 37,919 43,179 29,927 20,874 28,250 22,285 19,099 21,126 17,893 23,101 8,630 65,786 10,119 20,884 19,639 8,714 10,595 18,389 54,908 69,065 55,948 55,411 SSBL# (5) 1,290 239 276 380 4,142 5,673 384 698 542 131 1,033 533 331 420 8,461 432 1,840 293 201 627 1,333 1,420 1,293 757 1,071 1,001 1,170 590 503 448 282 7,625 266 904 845 206 349 729 1,107 2,026 2,278 2,423 LSBL (2) $ (1,000) (6) 35,904 43,811 43,178 37,769 353,455 202,662 114,066 85,646 90,140 95,575 69,955 79,230 52,877 48,395 300 45,831 24,386 42,003 44,520 37,575 215,369 168,453 135,772 113,159 88,326 91,674 78,514 67,023 65,989 57,548 71,573 920 53,828 37,576 35,818 45,818 41,909 32,477 413,244 344,297 241,086 165,761 LSBL(2) # (7) 117 132 125 143 1,060 632 328 266 257 225 255 222 164 160 2 156 80 137 140 113 599 466 371 278 224 308 207 210 220 188 194 4 144 137 131 134 115 113 1,161 943 649 521 U.S. Bancorp First Mutual Of Richmond In Grabill Bancorp Farmers Bancorp Frankfort Iowa U.S. Bancorp Wells Fargo & Company Heartland Financial Usa Inc West Bancorporation Inc. First American Bank Group L Btc Financial Corporation Hills Bancorporation QCR Holdings Inc. Amtrust Inc. ISB Financial Corp. MBNA Corporation Iowa First Bancshares Corp. Neighbor Insurance Agency I Van Diest Investment Company Union Planters Corporation Fidelity Ban Corporation Kansas Intrust Financial Corporatio Commerce Bancshares Inc. U.S. Bancorp UMB Financial Corporation Whitcorp Financial Company Commerce Financial Corporati Bank Of America Corporation Sunflower Banks Inc. Valley View Bancshares Inc. Hillcrest Bancshares Inc. Emprise Financial Corporatio MBNA Corporation First Olathe Bancshares Inc Central Of Kansas Inc. Community Bancorp Inc. Blue Valley Ban Corp. Gold Banc Corporation Inc. Kaw Valley Bancorp Inc. Kentucky Fifth Third Bancorp BB&T Corporation National City Corporation U.S. Bancorp MN IN IN IN MN CA IA IA IA IA IA IL IA IA DE IA IA IA TN IA KS MO MN MO KS KS NC KS KS KS KS DE KS KS KS KS KS KS OH NC OH MN Page 37 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 147,626 143,489 140,903 137,908 122,007 121,209 86,785 86,761 81,570 78,453 73,686 72,900 70,203 65,665 57,568 826,385 635,571 399,552 345,771 281,166 226,339 103,979 92,489 81,923 80,234 74,299 66,557 64,409 56,129 55,113 54,033 53,522 51,858 378,261 83,580 80,119 66,019 65,477 55,810 881,808 435,300 335,050 LSBL# (2) 1,043 1,622 4,687 775 1,381 823 1,512 654 923 931 531 736 711 491 8,700 5,433 5,100 3,742 8,267 2,335 2,400 817 12,544 997 925 738 705 959 770 11,462 364 381 600 2,775 842 680 745 1,642 730 6,848 2,468 3,076 Bk. Size (3) $1B-$10B >$50B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B $1B-$10B <$1B $10B-$50B >$50B $1B-$10B $10B-$50B $10B-$50B >$50B $10B-$50B $1B-$10B <$1B >$50B <$1B $1B-$10B <$1B $10B-$50B <$1B <$1B >$50B $10B-$50B <$1B <$1B $10B-$50B <$1B $1B-$10B >$50B $1B-$10B <$1B $10B-$50B >$50B >$50B SSBL$ (1,000) (4) 27,024 45,364 29,443 17,521 35,058 22,839 29,319 15,698 17,942 19,007 11,401 18,705 17,788 14,032 57,102 137,722 125,510 92,819 69,368 64,057 54,672 19,478 91,952 22,483 25,379 19,475 17,547 22,823 18,114 55,113 9,427 9,773 12,719 71,447 22,120 19,466 20,620 29,282 18,274 176,897 57,150 103,453 SSBL# (5) 677 1,331 4,394 389 1,067 526 1,298 392 733 716 252 535 540 342 8,697 3,383 3,536 2,786 7,510 1,651 1,800 536 12,542 784 740 549 537 806 650 11,462 228 250 483 1,836 620 490 610 1,547 592 4,744 1,467 2,425 LSBL (2) $ (1,000) (6) 120,602 98,125 111,460 120,387 86,949 98,370 57,466 71,063 63,628 59,446 62,285 54,195 52,415 51,633 466 688,663 510,061 306,733 276,403 217,109 171,667 84,501 537 59,440 54,855 54,824 49,010 41,586 38,015 0 44,606 43,749 39,139 306,814 61,460 60,653 45,399 36,195 37,536 704,911 378,150 231,597 LSBL(2) # (7) 366 291 293 386 314 297 214 262 190 215 279 201 171 149 3 2,050 1,564 956 757 684 600 281 2 213 185 189 168 153 120 0 136 131 117 939 222 190 135 95 138 2,104 1,001 651 Central Bancshares Inc. PNC Financial Services Group Bank One Corporation Republic Bancorp Inc. Community Trust Bancorp Inc Bank Of Kentucky Financial C Whitaker Bank Corporation Of S. Y. Bancorp Inc. Traditional Bancorporation Farmers Capital Bank Corpora Lea M. Mcmullan Trust Old National Bancorp First Southern Bancorp Inc. Union Planters Corporation MBNA Corporation Louisiana Whitney Holding Corporation Hibernia Corporation Regions Financial Corporatio Bank One Corporation Amsouth Bancorporation Hancock Holding Company Parish National Bank MBNA Corporation Sabine Bancshares Inc. Iberiabank Corporation First Guaranty Bk Bancorpsouth Inc. Cameron Bancshares Inc. Midsouth Bancorp Inc. Citigroup Inc. Union Planters Corporation Firstrust Corporation CTB Financial Corporation Maine Banknorth Group Inc. Camden National Corporation Chittenden Corporation Keycorp Fleetboston Financial Corpor Katahdin Bankshares Corporat Maryland Mercantile Bankshares Corpor BB&T Corporation Wachovia Corporation KY PA IL KY KY KY KY KY KY KY KY IN KY TN DE LA LA AL IL AL MS LA DE LA LA LA MS LA LA NY TN LA LA ME ME VT OH MA ME MD NC NC Page 38 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 329,949 286,079 250,725 176,353 146,719 127,810 96,396 94,435 88,322 76,235 60,778 56,023 50,660 680,248 464,841 392,952 142,813 141,952 140,839 133,177 116,491 106,590 79,620 79,120 78,331 75,844 63,266 56,712 56,154 1,963,286 1,924,826 711,498 689,000 677,546 618,666 485,341 396,639 386,040 353,215 344,495 227,294 194,844 158,480 LSBL# (2) 5,013 3,240 1,717 863 1,008 19,804 376 2,825 18,815 897 2,589 6,319 182 5,333 2,897 13,674 893 1,135 21,836 25,063 3,719 4,321 570 1,149 13,269 8,406 618 388 206 7,301 9,832 3,927 3,347 6,639 14,183 3,127 2,589 1,654 4,014 3,058 6,972 27,618 628 Bk. Size (3) >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B >$50B >$50B <$1B >$50B $1B-$10B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $1B-$10B <$1B >$50B >$50B >$50B >$50B <$1B $1B-$10B $10B-$50B $1B-$10B $10B-$50B <$1B $1B-$10B >$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B >$50B >$50B $1B-$10B SSBL$ (1,000) (4) 78,857 63,905 44,117 19,985 26,713 126,255 9,000 89,589 88,113 20,501 57,200 56,023 3,037 132,989 67,602 214,564 21,792 29,992 140,053 131,296 110,688 100,465 15,312 30,902 77,659 75,844 11,370 9,268 4,124 161,932 249,121 102,489 78,901 122,584 107,381 80,047 72,405 37,609 123,853 77,144 190,023 192,653 12,265 SSBL# (5) 4,305 2,617 1,103 419 671 19,796 179 2,786 18,813 727 2,576 6,319 52 3,986 1,804 13,237 530 770 21,833 25,058 3,672 4,300 370 986 13,266 8,406 476 241 77 2,860 5,082 2,451 1,695 4,995 12,835 1,855 1,595 729 3,388 2,086 6,841 27,606 219 LSBL (2) $ (1,000) (6) 251,092 222,174 206,608 156,368 120,006 1,555 87,396 4,846 209 55,734 3,578 0 47,623 547,259 397,239 178,388 121,021 111,960 786 1,881 5,803 6,125 64,308 48,218 672 0 51,896 47,444 52,030 1,801,354 1,675,705 609,009 610,099 554,962 511,285 405,294 324,234 348,431 229,362 267,351 37,271 2,191 146,215 LSBL(2) # (7) 708 623 614 444 337 8 197 39 2 170 13 0 130 1,347 1,093 437 363 365 3 5 47 21 200 163 3 0 142 147 129 4,441 4,750 1,476 1,652 1,644 1,348 1,272 994 925 626 972 131 12 409 Bank Of America Corporation Suntrust Banks Inc. Manufacturers & Traders Tc Sandy Spring Bancorp Inc. Susquehanna Bancshares Inc. MBNA Corporation Provident Bankshares Corpora Wells Fargo & Company Citigroup Inc. Shore Bancshares Inc. J.P. Morgan Chase & Co. Advanta Bk Corp First Mariner Bancorp Massachusetts Citizens Bk Of Ma Banknorth Group Inc. Fleetboston Financial Corpor Chittenden Corporation CCBT Financial Companies In MBNA Corporation Citigroup Inc. Wells Fargo & Company J.P. Morgan Chase & Co. Enterprise Bancorp Inc. Independent Bank Corp. American Express Centurion B Advanta Bk Corp Mellon Financial Corporation Westbank Corporation Boston Private Financial Hol Michigan Comerica Incorporated Fifth Third Bancorp Lasalle Bk Na Citizens Banking Corporation National City Corporation Bank One Corporation Capitol Bancorp Ltd. Macatawa Bank Corporation Mercantile Bank Corporation Huntington Bancshares Incorp Chemical Financial Corporati Wells Fargo & Company MBNA Corporation Republic Bancorp Inc. NC GA NY MD PA DE MD CA NY MD NY UT MD MA ME MA VT MA DE NY CA NY MA MA UT UT PA MA MA MI OH IL MI OH IL MI MI MI OH MI CA DE MI Page 39 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 138,335 137,469 119,653 99,375 96,832 84,721 81,747 80,481 78,912 71,633 64,339 61,172 59,238 55,706 53,931 50,802 925,198 744,220 454,148 311,281 286,723 126,959 114,728 113,158 109,166 93,977 90,427 90,076 90,076 70,966 61,495 54,984 54,715 51,751 513,538 340,024 331,826 202,832 197,896 175,120 170,756 154,907 116,719 LSBL# (2) 1,310 29,584 609 338 10,917 688 709 412 480 7,079 16,942 368 401 539 275 2,780 18,807 16,512 3,240 1,873 1,058 695 535 1,185 653 12,516 578 1,085 618 3,042 11,400 5,915 452 208 5,861 5,100 3,893 2,339 1,751 2,536 2,258 2,643 2,239 Bk. Size (3) $1B-$10B >$50B <$1B $10B-$50B $1B-$10B <$1B <$1B $1B-$10B $10B-$50B >$50B $1B-$10B <$1B <$1B $1B-$10B <$1B >$50B >$50B >$50B $1B-$10B $10B-$50B $10B-$50B <$1B <$1B $1B-$10B <$1B >$50B <$1B $1B-$10B <$1B >$50B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B SSBL$ (1,000) (4) 37,935 137,469 14,674 5,367 96,832 16,837 19,554 9,591 12,440 56,147 63,139 10,992 8,964 12,793 6,761 49,352 403,766 182,513 84,008 49,037 22,432 13,465 13,887 29,945 14,770 93,862 15,037 24,518 16,656 70,966 61,134 54,984 10,735 3,549 147,250 108,635 113,159 55,839 45,377 59,733 53,218 49,163 43,818 SSBL# (5) 921 29,584 322 114 10,917 471 486 174 306 7,029 16,939 232 240 395 138 2,776 17,216 15,039 2,109 1,135 440 310 292 899 389 12,515 345 858 398 3,042 11,397 5,915 326 78 4,751 4,308 3,216 1,821 1,286 2,119 1,829 2,280 1,971 LSBL (2) $ (1,000) (6) 100,400 0 104,979 94,008 0 67,884 62,193 70,890 66,472 15,486 1,200 50,180 50,274 42,913 47,170 1,450 521,432 561,707 370,140 262,244 264,291 113,494 100,841 83,213 94,396 115 75,390 65,558 73,420 0 361 0 43,980 48,202 366,288 231,389 218,667 146,993 152,519 115,387 117,538 105,744 72,901 LSBL(2) # (7) 389 0 287 224 0 217 223 238 174 50 3 136 161 144 137 4 1,591 1,473 1,131 738 618 385 243 286 264 1 233 227 220 0 3 0 126 130 1,110 792 677 518 465 417 429 363 268 Independent Bank Corporation Citigroup Inc. O.A.K. Financial Corporation TCF Financial Corporation Advanta Bk Corp FNBH Bancorp Inc. IBT Bancorp Inc. Irwin Financial Corporation Charter One Financial Inc. U.S. Bancorp GE Cap Fncl United Community Financial C Fentura Financial Inc. MBT Financial Corp. PSB Group Inc. J.P. Morgan Chase & Co. Minnesota Wells Fargo & Company U.S. Bancorp Otto Bremer Foundation Associated Banc-Corp Marshall & Ilsley Corporatio Premier Bk Fidelity Bancshares Inc. Klein Financial Inc. Alliance Financial Services MBNA Corporation Western Bancshares Inc. Community First Bankshares First National Financial Ser J.P. Morgan Chase & Co. Citigroup Inc. Advanta Bk Corp Stearns Financial Services Excel Bank Corporation Mississippi Trustmark Corporation Bancorpsouth Inc. Amsouth Bancorporation Peoples Holding Company The Union Planters Corporation Community Bancshares Of Miss Hancock Holding Company Bancplus Corporation First M & F Corporation MI NY MI MN UT MI MI IN OH MN UT MI MI MI MI NY CA MN MN WI WI MN MN MN MN DE MN ND MN NY NY UT MN MN MS MS AL MS TN MS MS MS MS Page 40 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 113,493 97,328 80,132 69,833 68,707 62,996 62,072 57,050 721,413 702,449 557,968 253,746 232,039 207,016 202,451 181,775 177,194 135,474 113,311 107,811 92,916 91,186 87,964 67,648 67,068 65,759 60,847 60,716 59,892 59,155 55,251 54,914 50,470 217,703 158,080 123,227 88,370 79,602 75,201 59,255 347,715 199,995 LSBL# (2) 2,387 2,100 1,460 843 1,398 609 1,321 370 7,641 7,929 5,152 1,984 3,130 1,425 845 1,491 851 963 690 14,551 624 18,263 748 950 2,287 434 379 6,542 441 533 377 416 302 2,658 1,622 3,000 1,076 731 1,119 814 4,002 3,446 Bk. Size (3) <$1B $1B-$10B <$1B <$1B <$1B <$1B <$1B >$50B >$50B $1B-$10B $10B-$50B <$1B >$50B $10B-$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B $1B-$10B >$50B $1B-$10B $1B-$10B >$50B <$1B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B <$1B $1B-$10B $1B-$10B >$50B <$1B <$1B >$50B <$1B $10B-$50B $1B-$10B SSBL$ (1,000) (4) 50,300 38,106 28,776 18,330 24,485 13,110 28,609 9,866 167,427 182,269 118,826 50,248 44,565 33,978 20,116 31,016 21,642 24,031 17,164 107,253 14,360 90,187 17,854 19,564 63,766 10,323 9,663 60,716 10,413 14,887 9,179 10,029 7,492 67,407 41,615 65,694 24,942 17,639 14,778 19,443 76,679 66,033 SSBL# (5) 2,132 1,893 1,278 664 1,241 447 1,190 233 5,916 6,185 3,907 1,399 2,671 943 386 1,094 433 621 411 14,548 406 18,260 513 792 2,267 275 225 6,542 294 346 240 287 190 2,142 1,205 2,821 849 533 962 671 3,240 2,967 LSBL (2) $ (1,000) (6) 63,193 59,222 51,356 51,503 44,222 49,886 33,463 47,184 553,986 520,180 439,142 203,498 187,474 173,038 182,335 150,759 155,552 111,443 96,147 558 78,556 999 70,110 48,084 3,302 55,436 51,184 0 49,479 44,268 46,072 44,885 42,978 150,296 116,465 57,533 63,428 61,963 60,423 39,812 271,036 133,962 LSBL(2) # (7) 255 207 182 179 157 162 131 137 1,725 1,744 1,245 585 459 482 459 397 418 342 279 3 218 3 235 158 20 159 154 0 147 187 137 129 112 516 417 179 227 198 157 143 762 479 Citizens Holding Company NBC Capital Corporation State Bank & Trust Company E Citizens National Banc Corp. Bankfirst Capital Corporatio Peoples Financial Corporatio Planters Holding Company Southtrust Corporation Missouri U.S. Bancorp Central Bancompany Commerce Bancshares Inc. Allegiant Bancorp Inc. Bank Of America Corporation Union Planters Corporation Marshall & Ilsley Corporatio UMB Financial Corporation Enterprise Financial Service First Banks Inc. Montgomery Bancorporation I MBNA Corporation Great Southern Bancorp Inc. Citigroup Inc. Valley View Bancshares Inc. Dickinson Financial Corporat Wells Fargo & Company Cardinal Bancorp Inc. Trustcorp Financial Inc Advanta Bk Corp Arvest Bank Group Inc. Exchange National Bancshares Unity Bancshares L.L.C. Southern Bancshares Corp. Jefferson County Bancshares Montana First Interstate Bancsystem Glacier Bancorp Inc. Wells Fargo & Company Stockman Financial Corporati Mountain West Financial Corp U.S. Bancorp Inter-Mountain Bancorp. Inc Nebraska Lauritzen Corporation Pinnacle Bancorp Inc. MS MS MS MS MS MS MS AL MN MO MO MO NC TN WI MO MO MO MO DE MO NY KS MO CA MO MO UT AR MO MO MO MO MT MT CA MT MT MN MT NE NE Page 41 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 187,686 173,553 131,250 88,069 73,135 70,356 56,894 282,226 261,369 164,881 111,502 101,207 75,744 73,003 69,458 54,852 53,096 50,691 381,542 131,313 68,908 1,384,712 646,417 523,316 413,682 409,404 342,859 177,684 166,341 162,443 161,251 156,601 146,557 113,570 105,599 105,303 104,269 95,750 88,756 84,390 63,755 61,370 LSBL# (2) 4,173 2,190 1,008 738 667 478 781 1,791 9,836 919 1,319 372 2,246 408 296 234 375 115 2,747 879 2,088 10,929 9,098 17,979 13,204 2,623 1,536 27,967 1,006 29,444 792 4,627 807 22,370 11,709 8,769 560 545 429 427 454 1,275 Bk. Size (3) >$50B >$50B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B $10B-$50B >$50B $1B-$10B >$50B <$1B >$50B $1B-$10B <$1B $10B-$50B $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B >$50B >$50B $1B-$10B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $1B-$10B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B SSBL$ (1,000) (4) 83,895 33,643 24,460 24,994 15,120 12,736 19,163 41,308 178,571 27,732 16,685 7,504 28,320 11,389 5,969 5,762 9,996 844 62,808 22,535 31,634 352,403 273,095 272,379 338,042 62,606 37,609 173,398 26,477 139,957 19,428 149,270 21,832 112,970 105,599 69,853 12,596 14,564 8,960 11,643 14,188 36,471 SSBL# (5) 3,849 1,830 667 547 475 312 658 1,160 9,580 548 1,098 149 2,125 214 135 112 261 11 1,780 542 2,000 8,155 8,080 17,340 12,873 1,640 798 27,950 584 29,382 362 4,570 485 22,367 11,709 8,633 301 297 204 238 311 1,197 LSBL (2) $ (1,000) (6) 103,791 139,910 106,790 63,075 58,015 57,620 37,731 240,918 82,798 137,149 94,817 93,703 47,424 61,614 63,489 49,090 43,100 49,847 318,734 108,778 37,274 1,032,309 373,322 250,937 75,640 346,798 305,250 4,286 139,864 22,486 141,823 7,331 124,725 600 0 35,450 91,673 81,186 79,796 72,747 49,567 24,899 LSBL(2) # (7) 324 360 341 191 192 166 123 631 256 371 221 223 121 194 161 122 114 104 967 337 88 2,774 1,018 639 331 983 738 17 422 62 430 57 322 3 0 136 259 248 225 189 143 78 Wells Fargo & Company U.S. Bancorp Great Western Bancorporation Farmers & Merchants Investme American National Corporatio Security National Corporatio Hometown Banc Corp Nevada Zions Bancorporation Wells Fargo & Company Western Alliance Bancorporat U.S. Bancorp Silver State Bancorp Bank Of America Corporation Capitol Bancorp Ltd. Community Bancorp Colonial Bancgroup Inc. Th Bank Of The West Trustmark Corporation New Hampshire Banknorth Group Inc. Chittenden Corporation Fleetboston Financial Corpor New Jersey Wachovia Corporation PNC Financial Services Group Fleetboston Financial Corpor J.P. Morgan Chase & Co. Commerce Bancorp Inc. Valley National Bancorp MBNA Corporation Fulton Financial Corporation Citigroup Inc. Yardville National Bancorp Wells Fargo & Company Sun Bancorp Inc American Express Centurion B Advanta Bk Corp Atlantic Bk Of Ny United National Bancorp Lakeland Bancorp Inc. Amboy Bancorporation Hudson United Bancorp Minotola Nb Bank Of New York Company In CA MN NE NE NE NE NE UT CA NV MN NV NC MI NV AL CA MS ME VT MA NC PA MA NY NJ NJ DE PA NY NJ CA NJ UT UT NY NJ NJ NJ NJ NJ NY Page 42 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 61,340 52,509 50,478 292,625 196,278 130,765 82,506 80,663 66,870 59,762 56,078 2,718,914 1,247,309 1,242,198 1,219,705 928,776 637,219 322,367 282,755 273,850 228,995 228,810 228,754 227,212 207,744 194,901 191,885 175,001 161,693 136,352 116,486 106,590 101,370 100,813 98,991 94,973 88,465 80,882 77,316 72,965 71,591 71,010 70,782 LSBL# (2) 239 170 248 7,373 1,467 884 382 534 1,271 375 556 59,736 76,102 7,786 12,239 9,880 22,208 9,589 42,163 4,562 1,652 2,579 40,396 854 1,898 22,132 2,149 1,117 427 6,906 1,115 478 882 591 577 452 1,445 848 10,123 867 311 18,416 514 Bk. Size (3) $1B-$10B <$1B $1B-$10B >$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B >$50B <$1B <$1B >$50B >$50B >$50B >$50B $10B-$50B $1B-$10B >$50B >$50B >$50B >$50B $1B-$10B $10B-$50B $1B-$10B >$50B $1B-$10B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B SSBL$ (1,000) (4) 5,402 2,944 9,380 179,355 32,359 23,441 11,149 12,511 19,901 9,681 15,633 1,786,669 581,626 197,961 369,597 350,549 380,514 303,600 280,016 115,116 50,205 72,026 225,365 17,348 48,917 194,901 57,481 29,245 5,822 60,429 29,980 7,593 22,524 15,998 12,236 14,170 37,631 20,615 77,316 20,989 7,464 70,835 15,410 SSBL# (5) 101 50 131 6,992 1,001 564 204 326 1,136 236 405 56,089 74,163 4,979 9,965 8,336 21,578 9,450 42,149 4,153 1,235 2,066 40,377 328 1,435 22,132 1,699 668 100 6,666 832 163 650 357 366 214 1,231 648 10,123 718 166 18,415 358 LSBL (2) $ (1,000) (6) 55,938 49,565 41,098 113,270 163,919 107,324 71,357 68,152 46,969 50,081 40,445 932,245 665,683 1,044,237 850,108 578,227 256,705 18,767 2,739 158,734 178,790 156,784 3,389 209,864 158,827 0 134,404 145,756 155,871 75,923 86,506 98,997 78,846 84,815 86,755 80,803 50,834 60,267 0 51,976 64,127 175 55,372 LSBL(2) # (7) 138 120 117 381 466 320 178 208 135 139 151 3,647 1,939 2,807 2,274 1,544 630 139 14 409 417 513 19 526 463 0 450 449 327 240 283 315 232 234 211 238 214 200 0 149 145 1 156 Susquehanna Bancshares Inc. Unity Bancorp Inc. Interchange Financial Servic New Mexico Wells Fargo & Company First State Bancorporation Heartland Financial Usa Inc BOK Financial Corporation Trinity Capital Corporation Bank Of America Corporation New Mexico Banquest Corporat First Artesia Bancshares In New York J.P. Morgan Chase & Co. Citigroup Inc. Manufacturers & Traders Tc HSBC Bk USA North Fork Bancorporation I Fleetboston Financial Corpor Wells Fargo & Company MBNA Corporation Bank Of New York Company In Wachovia Corporation Financial Institutions Inc. American Express Centurion B State Bancorp Inc. Keycorp Advanta Bk Corp NBT Bancorp Inc. Charter One Financial Inc. Valley National Bancorp Atlantic Bk Of Ny Tompkins Trustco Inc. Popular Inc. Banknorth Group Inc. BSB Bancorp Inc. Commerce Bancorp Inc. Nara Bancorp Inc. Community Bank System Inc. Canandaigua National Corpora Pitney Bowes Bk Arrow Financial Corporation Hudson Valley Holding Corp. GE Cap Fncl Suffolk Bancorp PA NJ NJ CA NM IA OK NM NC NM NM NY NY NY NY NY MA CA DE NY NC NY UT NY OH UT NY OH NJ NY NY PR ME NY NJ CA NY NY UT NY NY UT NY Page 43 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 65,069 57,673 55,970 55,747 52,808 52,537 50,325 3,065,316 1,510,933 1,268,873 431,410 403,348 348,636 276,563 204,342 188,121 166,355 143,747 132,020 130,203 126,470 118,252 117,121 114,714 109,627 91,560 84,568 79,795 75,970 73,232 68,882 66,997 65,503 65,399 63,389 56,750 55,852 54,157 51,353 155,051 147,871 105,208 83,490 LSBL# (2) 315 724 641 320 337 359 216 25,289 8,711 14,260 2,859 4,179 5,121 32,198 1,788 1,199 2,120 1,619 960 1,055 1,439 981 24,840 745 853 3,070 534 689 463 414 451 19,451 7,195 631 2,673 922 500 579 678 2,326 961 921 1,019 Bk. Size (3) $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $1B-$10B >$50B $1B-$10B <$1B $1B-$10B <$1B <$1B <$1B >$50B <$1B <$1B >$50B $1B-$10B <$1B $10B-$50B <$1B <$1B $1B-$10B $1B-$10B <$1B >$50B <$1B <$1B <$1B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B SSBL$ (1,000) (4) 6,796 17,822 20,206 9,262 8,720 8,815 5,245 630,901 233,169 308,011 70,076 86,059 67,521 264,259 42,219 30,028 47,947 38,003 24,308 31,937 33,127 24,060 115,658 16,409 19,381 87,317 14,015 19,733 11,325 10,481 10,852 66,997 65,503 14,809 59,024 19,894 12,510 15,004 16,401 54,962 24,838 22,521 22,919 SSBL# (5) 158 567 518 193 221 250 116 18,401 5,503 11,255 1,822 3,190 4,412 32,151 1,235 739 1,708 1,250 621 746 1,112 670 24,832 319 563 3,038 309 490 284 181 273 19,451 7,195 449 2,659 799 367 444 556 2,013 631 676 787 LSBL (2) $ (1,000) (6) 58,273 39,851 35,764 46,485 44,088 43,722 45,080 2,434,415 1,277,764 960,862 361,334 317,289 281,115 12,304 162,123 158,093 118,408 105,744 107,712 98,266 93,343 94,192 1,463 98,305 90,246 4,243 70,553 60,062 64,645 62,751 58,030 0 0 50,590 4,365 36,856 43,342 39,153 34,952 100,089 123,033 82,687 60,571 LSBL(2) # (7) 157 157 123 127 116 109 100 6,888 3,208 3,005 1,037 989 709 47 553 460 412 369 339 309 327 311 8 426 290 32 225 199 179 233 178 0 0 182 14 123 133 135 122 313 330 245 232 U.S.B. Holding Co. Inc. Adirondack Tc Solvay Bank Corp. First Of Long Island Corpora Chemung Financial Corporatio Bridge Bancorp Inc. Smithtown Bancorp Inc. North Carolina BB&T Corporation Wachovia Corporation First Citizens Bancshares I RBC Centura Bk National Commerce Financial Bank Of America Corporation MBNA Corporation Fidelity Bancshares (N.C.) Southtrust Corporation First Bancorp Southern Bancshares (N.C.) First Charter Corporation LSB Bancshares Inc. Bank Of Granite Corporation Yadkin Valley B&TC Citigroup Inc. FNB Financial Services Corpo ECB Bancorp Inc. Wells Fargo & Company Southern Community Financial FNB Corp. Regions Financial Corporatio First South Bancorp Inc. Capital Bank Corporation GE Cap Fncl Advanta Bk Corp First Nb Of Shelby J.P. Morgan Chase & Co. Four Oaks Fincorp Inc. High Point Bank Corporation Peoples Bancorp Of North Car United Community Banks Inc. North Dakota Wells Fargo & Company State Bankshares Inc. Otto Bremer Foundation Watford City Bancshares Inc NY NY NY NY NY NY NY NC NC NC NC TN NC DE NC AL NC NC NC NC NC NC NY NC NC CA NC NC AL NC NC UT UT NC NY NC NC NC GA CA ND MN ND Page 44 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 83,039 56,880 1,975,948 902,011 746,871 599,968 574,318 569,240 477,590 373,562 323,970 191,983 191,943 182,119 168,694 156,969 142,350 128,483 113,870 110,262 101,284 99,667 98,161 93,464 87,632 61,322 55,898 55,552 54,506 53,793 52,298 51,464 360,129 328,793 291,593 179,224 156,453 130,338 122,053 78,017 77,154 64,421 62,992 LSBL# (2) 506 1,517 9,313 9,986 8,220 8,399 2,745 16,767 4,475 2,557 2,857 24,569 6,124 743 896 33,439 1,330 1,038 721 778 618 10,639 4,709 457 23,391 451 814 389 8,362 295 396 781 1,761 4,640 3,778 1,177 917 1,026 694 1,257 714 7,734 885 Bk. Size (3) <$1B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $1B-$10B $10B-$50B >$50B >$50B >$50B $10B-$50B $1B-$10B >$50B >$50B $1B-$10B <$1B $1B-$10B $10B-$50B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B $10B-$50B $1B-$10B <$1B <$1B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B >$50B <$1B SSBL$ (1,000) (4) 13,120 13,721 233,445 182,267 245,248 133,783 75,705 128,945 116,611 66,474 79,034 189,212 180,371 14,643 20,121 156,266 36,062 23,486 17,732 18,784 16,012 99,667 92,633 13,130 86,772 10,597 19,847 9,986 53,331 7,402 10,375 18,715 42,338 99,339 85,379 30,228 26,873 21,943 15,966 28,429 16,974 64,421 19,733 SSBL# (5) 318 1,414 4,531 7,904 6,811 7,054 1,375 15,558 3,278 1,623 2,150 24,555 6,047 303 447 33,434 1,048 709 405 512 353 10,639 4,690 221 23,389 300 689 244 8,357 161 275 676 868 3,877 3,104 742 543 673 405 1,083 524 7,734 736 LSBL (2) $ (1,000) (6) 69,919 43,159 1,742,503 719,744 501,623 466,185 498,613 440,295 360,979 307,088 244,936 2,771 11,572 167,476 148,573 703 106,288 104,997 96,138 91,478 85,272 0 5,528 80,334 860 50,725 36,051 45,566 1,175 46,391 41,923 32,749 317,791 229,454 206,214 148,996 129,580 108,395 106,087 49,588 60,180 0 43,259 LSBL(2) # (7) 188 103 4,782 2,082 1,409 1,345 1,370 1,209 1,197 934 707 14 77 440 449 5 282 329 316 266 265 0 19 236 2 151 125 145 5 134 121 105 893 763 674 435 374 353 289 174 190 0 149 Alerus Financial Corporation U.S. Bancorp Ohio Fifth Third Bancorp National City Corporation Huntington Bancshares Incorp U.S. Bancorp Firstmerit Corporation Bank One Corporation Park National Corporation Sky Financial Group Inc. Keycorp MBNA Corporation Wells Fargo & Company Provident Financial Group I Unizan Financial Corp. Citigroup Inc. PNC Financial Services Group First Financial Bancorp Oak Hill Financial Inc. First Merchants Corporation Charter One Financial Inc. Advanta Bk Corp J.P. Morgan Chase & Co. Second Bancorp Incorporated GE Cap Fncl Wayne Bancorp Inc. Killbuck Bancshares Inc. Peoples Bancorp Inc. American Express Centurion B F.N.B. Corporation Citizens Nb Farmers & Merchants Bancorp Oklahoma BOK Financial Corporation Bancfirst Corporation Arvest Bank Group Inc. One Rich Hill Mining L.L.C. Southwest Bancorp Inc. Gold Banc Corporation Inc. Local Financial Corporation Durant Bancorp Inc. Americrest Bancshares Inc. MBNA Corporation Spirit Bankcorp Inc. ND MN OH OH OH MN OH IL OH OH OH DE CA OH OH NY PA OH OH IN OH UT NY OH UT OH OH OH UT FL OH OH OK OK AR TX OK KS OK OK OK DE OK Page 45 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 61,206 60,429 51,809 634,574 564,920 487,459 148,234 140,303 120,828 119,860 117,088 97,398 95,835 80,021 78,522 59,111 50,459 1,480,885 1,325,384 550,180 549,578 416,220 394,608 267,617 255,471 229,615 200,049 183,783 178,873 163,700 154,766 143,994 129,896 119,948 117,129 115,560 114,021 106,834 103,404 101,683 85,969 81,985 79,854 LSBL# (2) 13,169 642 1,207 7,282 15,664 2,974 1,136 797 3,031 818 975 827 681 8,557 578 11,046 389 9,960 14,722 3,879 3,324 2,882 5,082 43,786 2,128 2,075 1,008 1,679 6,573 34,566 878 4,716 674 13,062 833 681 739 4,546 685 760 731 754 21,528 Bk. Size (3) >$50B <$1B >$50B >$50B >$50B $1B-$10B >$50B $1B-$10B >$50B $10B-$50B <$1B <$1B <$1B >$50B <$1B >$50B <$1B >$50B >$50B >$50B $10B-$50B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B >$50B $1B-$10B $10B-$50B $1B-$10B <$1B $1B-$10B SSBL$ (1,000) (4) 61,056 15,520 15,586 91,944 372,653 72,230 29,222 19,303 41,142 18,919 22,742 22,912 19,028 80,021 15,761 58,260 10,843 297,456 431,298 107,269 88,162 69,797 114,764 261,154 47,190 57,171 26,031 48,250 103,074 163,344 21,758 137,878 16,026 119,948 21,010 17,044 19,758 100,206 17,394 16,070 19,920 23,904 78,484 SSBL# (5) 13,168 500 1,119 5,900 15,057 1,680 829 428 2,835 585 684 583 421 8,557 391 11,043 252 6,916 12,278 2,575 1,987 1,975 4,083 43,759 1,533 1,498 514 1,237 6,411 34,564 490 4,672 336 13,062 549 395 455 4,523 425 529 512 606 21,525 LSBL (2) $ (1,000) (6) 150 44,909 36,223 542,630 192,267 415,229 119,012 121,000 79,686 100,941 94,346 74,486 76,807 0 62,761 851 39,616 1,183,429 894,086 442,911 461,416 346,423 279,844 6,463 208,281 172,444 174,018 135,533 75,799 356 133,008 6,116 113,870 0 96,119 98,516 94,263 6,628 86,010 85,613 66,049 58,081 1,370 LSBL(2) # (7) 1 142 88 1,382 607 1,294 307 369 196 233 291 244 260 0 187 3 137 3,044 2,444 1,304 1,337 907 999 27 595 577 494 442 162 2 388 44 338 0 284 286 284 23 260 231 219 148 3 Citigroup Inc. First Fidelity Bancorp Inc. Bank Of America Corporation Oregon U.S. Bancorp Wells Fargo & Company Umpqua Holdings Corporation Keycorp West Coast Bancorp Bank Of America Corporation Bank Of The West Cascade Bancorp Columbia Bancorp Pacific Continental Corporat MBNA Corporation Premierwest Bancorp Citigroup Inc. Liberty Financial Group Inc Pennsylvania Wachovia Corporation PNC Financial Services Group Manufacturers & Traders Tc Fulton Financial Corporation Susquehanna Bancshares Inc. National City Corporation MBNA Corporation S & T Bancorp Inc. F.N.B. Corporation National Penn Bancshares In First Commonwealth Financial Fleetboston Financial Corpor Citigroup Inc. Commerce Bancorp Inc. Wells Fargo & Company Pennsylvania Commerce Bancor Advanta Bk Corp Sky Financial Group Inc. Univest Corporation Of Penns Community Banks Inc. J.P. Morgan Chase & Co. Sterling Financial Corporati Mellon Financial Corporation Pennrock Financial Services First National Community Ban GE Cap Fncl NY OK NC MN CA OR OH OR NC CA OR OR OR DE OR NY OR NC PA NY PA PA OH DE PA FL PA PA MA NY NJ CA PA UT OH PA PA NY PA PA PA PA UT Page 46 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 75,333 70,688 67,912 67,886 64,927 61,947 56,188 56,144 50,722 186,480 104,989 104,471 63,758 816,937 611,110 455,394 338,096 281,026 266,902 231,730 171,522 139,506 119,193 105,178 88,076 72,574 58,107 56,865 262,772 140,084 139,730 115,430 104,829 1,036,095 881,586 694,871 302,031 248,409 191,358 182,590 166,267 LSBL# (2) 304 652 217 526 12,143 345 525 328 238 2,393 2,051 663 442 7,058 3,071 4,382 2,845 3,352 3,150 2,035 3,090 1,051 628 1,527 12,696 235 444 588 3,805 1,277 1,064 1,871 1,018 10,536 5,968 5,184 2,182 2,196 1,441 2,094 3,390 Bk. Size (3) $1B-$10B <$1B $1B-$10B <$1B $10B-$50B <$1B $1B-$10B <$1B $10B-$50B $1B-$10B $1B-$10B $1B-$10B >$50B >$50B $10B-$50B $10B-$50B $1B-$10B >$50B $1B-$10B <$1B $10B-$50B >$50B <$1B >$50B $10B-$50B <$1B <$1B >$50B >$50B <$1B $1B-$10B $1B-$10B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $1B-$10B $1B-$10B SSBL$ (1,000) (4) 4,449 19,158 4,410 16,448 64,291 8,183 13,830 8,024 5,297 59,375 36,053 20,594 11,310 166,738 71,509 106,786 63,573 77,908 51,351 54,379 68,472 25,822 13,287 35,710 86,555 4,501 10,850 13,027 90,679 19,724 26,123 38,116 24,796 319,593 158,772 102,087 53,332 49,531 32,846 47,998 48,915 SSBL# (5) 67 471 70 371 12,140 181 374 194 110 2,017 1,865 394 272 5,197 1,687 3,290 2,004 2,633 2,579 1,425 2,693 694 329 1,276 12,689 91 274 426 3,277 945 749 1,604 751 8,416 3,883 3,532 1,441 1,598 990 1,637 3,001 LSBL (2) $ (1,000) (6) 70,884 51,530 63,502 51,438 636 53,764 42,358 48,120 45,425 127,105 68,936 83,877 52,448 650,199 539,601 348,608 274,523 203,118 215,551 177,351 103,050 113,684 105,906 69,468 1,521 68,073 47,257 43,838 172,093 120,360 113,607 77,314 80,033 716,502 722,814 592,784 248,699 198,878 158,512 134,592 117,352 LSBL(2) # (7) 237 181 147 155 3 164 151 134 128 376 186 269 170 1,861 1,384 1,092 841 719 571 610 397 357 299 251 7 144 170 162 528 332 315 267 267 2,120 2,085 1,652 741 598 451 457 389 Harleysville National Corpor Cnb Financial Corporation Wilmington Trust Corporation QNB Corp. American Express Centurion B First Chester County Corpora Omega Financial Corporation First Heritage Bk Bryn Mawr Bank Corporation Rhode Island Citizens Bk Of MA Fleetboston Financial Corpor Bancorp Rhode Island Inc. Washington Trust Bancorp In South Carolina BB&T Corporation Wachovia Corporation Synovus Financial Corp. South Financial Group The First Citizens Bancorporatio Bank Of America Corporation First National Corporation CNB Corporation Regions Financial Corporatio Southtrust Corporation Palmetto Bancshares Inc. MBNA Corporation RBC Centura Bk Summit Financial Corporation Community Capital Corporatio South Dakota Wells Fargo & Company U.S. Bancorp Minnehaha Banshares Inc. Dacotah Banks Inc. Great Western Bancorporation Tennessee Amsouth Bancorporation First Tennessee National Cor Suntrust Banks Inc. Union Planters Corporation Regions Financial Corporatio BB&T Corporation Greene County Bancshares In First South Bancorp Inc. PA PA DE PA UT PA PA PA PA MA MA RI RI NC NC GA SC SC NC SC SC AL AL SC DE NC SC SC CA MN SD SD NE AL TN GA TN AL NC TN TN Page 47 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 145,956 111,558 86,470 83,843 83,683 81,694 81,519 78,648 74,644 74,155 69,280 67,729 65,617 61,019 60,619 58,681 57,534 53,902 51,333 1,782,384 1,281,854 871,563 671,548 527,124 492,469 476,612 459,376 415,586 407,712 332,281 321,983 289,421 255,358 243,875 242,832 225,061 220,986 213,115 213,115 177,689 176,656 172,868 157,763 147,312 LSBL# (2) 2,151 2,316 12,171 994 794 2,557 386 15,641 439 1,082 898 483 763 551 494 479 514 377 710 47,051 25,148 4,767 5,825 12,151 4,212 46,370 23,142 4,744 79,726 1,438 3,220 2,856 2,622 1,527 1,519 1,485 2,795 24,105 2,883 46,703 1,680 3,682 2,730 1,376 Bk. Size (3) >$50B >$50B >$50B $10B-$50B <$1B >$50B >$50B >$50B $10B-$50B <$1B <$1B <$1B <$1B $10B-$50B <$1B $1B-$10B <$1B <$1B <$1B >$50B >$50B $1B-$10B $10B-$50B >$50B $1B-$10B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B $10B-$50B $1B-$10B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B SSBL$ (1,000) (4) 34,461 30,790 85,405 23,261 19,033 74,831 8,651 75,995 11,843 25,888 21,782 9,914 23,786 12,868 11,846 12,683 12,051 8,299 16,334 1,203,816 822,782 118,974 168,144 173,147 99,837 474,582 149,720 113,954 405,041 33,331 77,570 75,482 72,103 43,430 39,936 42,970 68,060 213,115 65,733 174,734 44,393 74,726 51,926 33,162 SSBL# (5) 1,879 2,058 12,167 792 559 2,522 181 15,635 253 925 726 310 596 407 343 317 371 221 616 45,137 23,583 2,518 4,460 11,208 3,006 46,355 22,293 3,823 79,712 703 2,409 2,184 2,019 963 997 949 2,238 24,105 2,383 46,693 1,246 3,356 2,395 1,008 LSBL (2) $ (1,000) (6) 111,495 80,768 1,065 60,582 64,650 6,863 72,868 2,653 62,801 48,267 47,498 57,815 41,831 48,151 48,773 45,998 45,483 45,603 34,999 578,568 459,072 752,589 503,404 353,977 392,632 2,030 309,656 301,632 2,671 298,950 244,413 213,939 183,255 200,445 202,896 182,091 152,926 0 147,382 2,955 132,263 98,142 105,837 114,150 LSBL(2) # (7) 272 258 4 202 235 35 205 6 186 157 172 173 167 144 151 162 143 156 94 1,914 1,565 2,249 1,365 943 1,206 15 849 921 14 735 811 672 603 564 522 536 557 0 500 10 434 326 335 368 Bank Of America Corporation U.S. Bancorp MBNA Corporation Bancorpsouth Inc. Citizens National Bancorp I Wells Fargo & Company Southtrust Corporation Citigroup Inc. Synovus Financial Corp. F&M Financial Corporation First Citizens Bancshares I Cnb Bancshares Inc. Cavalry Bancorp Inc. National Commerce Financial First Farmers And Merchants Trustmark Corporation First Nb Of The Cumberlands Wilson Bank Holding Company First Pulaski National Corpo Texas Wells Fargo & Company J.P. Morgan Chase & Co. Cullen/Frost Bankers Inc. Compass Bancshares Inc. Bank Of America Corporation Sterling Bancshares Inc. MBNA Corporation Bank One Corporation Texas Regional Bancshares I Citigroup Inc. Comerica Incorporated International Bancshares Cor Regions Financial Corporatio Maedgen & White Ltd. Southtrust Corporation Southwest Bancorporation Of BOK Financial Corporation Incus Co. Ltd. Advanta Bk Corp First Financial Bankshares GE Cap Fncl Hibernia Corporation Amarillo National Bancorp I American State Financial Cor Woodforest Financial Group NC MN DE MS TN CA AL NY GA TN TN TN TN TN TN MS TN TN TN CA NY TX AL NC TX DE IL TX NY MI TX AL TX AL TX OK XX UT TX UT LA TX TX TX Page 48 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 146,333 139,023 137,552 136,223 134,311 127,354 120,463 116,718 111,837 109,246 107,880 105,676 102,590 101,040 99,727 95,649 95,255 94,895 92,978 91,712 90,529 89,213 88,898 87,456 85,460 84,000 83,196 80,101 79,464 76,811 72,366 71,070 68,376 68,313 67,005 64,035 62,821 54,673 53,475 543,252 408,512 96,013 95,546 90,894 LSBL# (2) 1,242 1,501 1,569 24,438 1,775 1,245 717 1,181 1,328 885 994 937 1,577 486 545 1,102 1,047 558 1,123 826 680 869 1,246 555 12,798 1,283 1,190 772 527 2,672 563 713 560 476 413 983 937 512 1,234 4,778 11,196 1,388 630 874 Bk. Size (3) <$1B $1B-$10B $1B-$10B $10B-$50B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B <$1B <$1B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B $10B-$50B >$50B <$1B <$1B <$1B <$1B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B $10B-$50B >$50B >$50B <$1B <$1B SSBL$ (1,000) (4) 32,996 36,694 39,812 134,946 43,236 34,285 19,414 28,684 33,882 24,962 24,579 23,995 35,825 11,402 13,657 23,081 22,562 13,356 25,837 17,991 18,532 22,325 28,054 14,325 85,460 29,753 25,307 22,612 13,774 30,375 16,791 18,310 17,196 13,435 11,234 25,513 20,786 11,156 23,197 105,298 229,145 17,473 13,996 15,061 SSBL# (5) 862 1,170 1,243 24,430 1,430 943 422 888 1,085 643 729 700 1,351 240 313 876 811 355 894 535 452 674 1,046 327 12,798 1,099 996 590 324 2,535 383 546 395 324 267 848 793 381 1,110 3,528 10,680 1,183 390 604 LSBL (2) $ (1,000) (6) 113,337 102,329 97,740 1,277 91,075 93,069 101,049 88,034 77,955 84,284 83,301 81,681 66,765 89,638 86,070 72,568 72,693 81,539 67,141 73,721 71,997 66,888 60,844 73,131 0 54,247 57,889 57,489 65,690 46,436 55,575 52,760 51,180 54,878 55,771 38,522 42,035 43,517 30,278 437,954 179,367 78,540 81,550 75,833 LSBL(2) # (7) 380 331 326 8 345 302 295 293 243 242 265 237 226 246 232 226 236 203 229 291 228 195 200 228 0 184 194 182 203 137 180 167 165 152 146 135 144 131 124 1,250 516 205 240 270 Republic Bancshares Of Texas Eggemeyer Advisory Corp. First National Bank Group I American Express Centurion B Overton Financial Corporatio Prosperity Bancshares Inc. Whitney Holding Corporation Southside Bancshares Incorp American Nb TX Broadway Bancshares Inc. Summit Bancshares Inc. First Community Capital Corp Jane Austin Chapman Limited Metrocorp Bancshares Inc. Texas Capital Bancshares In South Plains Financial Inc. Central Community Corporatio WNB Bancshares Inc. Americo Bancshares Inc. Commerce National Financial INB Financial Corporation Mow/Rpw Ii Ltd. Security Holding Company Central Bancorp Inc. Pitney Bowes Bk Guaranty Bancshares Inc. Texas United Bancshares Inc American Bank Holding Corpor Colonial Bancgroup Inc. Th U.S. Bancorp West Financial Inc. Jefferson Bancshares Inc. Legacy Texas Group Inc. Inwood Bancshares Inc. SNB Bancshares Inc. Firstperryton Bancorp Inc. Doss Ltd. North American Bancshares I National United Bancshares Utah Zions Bancorporation Wells Fargo & Company U.S. Bancorp BOU Bancorp Inc. People S Utah Bancorp TX CA TX UT TX TX LA TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX UT TX TX TX AL MN TX TX TX TX TX TX TX TX TX UT CA MN UT UT Page 49 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 62,227 59,159 53,748 1,147,818 989,523 869,701 316,942 178,791 168,158 155,486 129,872 129,746 102,030 100,020 83,505 82,748 77,993 77,087 75,820 73,119 67,130 65,653 64,151 60,557 58,292 56,851 56,742 181,734 170,180 50,201 860,551 650,639 530,374 385,974 343,243 273,534 241,610 203,751 128,004 110,747 106,917 105,276 LSBL# (2) 431 364 2,522 8,350 6,349 7,652 4,645 1,620 1,275 23,498 891 1,067 20,415 3,136 451 912 588 553 343 386 895 472 7,126 654 482 13,563 2,333 1,468 1,398 510 7,813 15,207 9,841 2,434 2,162 1,991 1,447 1,282 998 11,388 498 1,069 Bk. Size (3) >$50B <$1B >$50B >$50B >$50B >$50B >$50B $10B-$50B $1B-$10B >$50B $1B-$10B $10B-$50B >$50B >$50B <$1B $1B-$10B <$1B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B $10B-$50B >$50B $10B-$50B $1B-$10B $1B-$10B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B >$50B $10B-$50B <$1B SSBL$ (1,000) (4) 9,855 8,017 14,508 209,220 180,040 151,695 70,857 37,779 32,640 148,752 18,238 21,864 100,437 94,494 12,316 21,159 15,521 15,103 8,401 10,733 20,153 11,258 64,151 16,440 13,457 56,131 51,921 36,601 38,963 10,391 108,725 354,083 140,635 60,308 52,474 49,190 39,722 31,275 24,339 110,498 10,003 26,334 SSBL# (5) 300 206 2,413 5,732 4,288 5,643 4,021 1,188 861 23,467 581 725 20,409 3,094 248 705 396 359 177 205 734 300 7,126 516 333 13,559 2,317 1,044 974 380 5,948 14,340 8,891 1,486 1,292 1,385 877 792 613 11,387 240 809 LSBL (2) $ (1,000) (6) 52,372 51,142 39,240 938,598 809,483 718,006 246,085 141,012 135,518 6,734 111,634 107,882 1,593 5,526 71,189 61,589 62,472 61,984 67,419 62,386 46,977 54,395 0 44,117 44,835 720 4,821 145,133 131,217 39,810 751,826 296,556 389,739 325,666 290,769 224,344 201,888 172,476 103,665 249 96,914 78,942 LSBL(2) # (7) 131 158 109 2,618 2,061 2,009 624 432 414 31 310 342 6 42 203 207 192 194 166 181 161 172 0 138 149 4 16 424 424 130 1,865 867 950 948 870 606 570 490 385 1 258 260 Keycorp Barnes Bancorporation Bank One Corporation Virginia BB&T Corporation Wachovia Corporation Suntrust Banks Inc. Bank Of America Corporation First Citizens Bancshares I Union Bankshares Corporation MBNA Corporation Virginia Financial Group In Mercantile Bankshares Corpor Citigroup Inc. Wells Fargo & Company Resource Bankshares Corporat Townebank Old Point Financial Corporat Southtrust Corporation United Bankshares Inc. Virginia Commerce Bancorp I FNB Corporation Burke & Herbert B&Tc Advanta Bk Corp American National Bankshares C&F Financial Corporation American Express Centurion B J.P. Morgan Chase & Co. Vermont Banknorth Group Inc. Chittenden Corporation Merchants Bk Washington U.S. Bancorp Wells Fargo & Company Bank Of America Corporation W.T.B. Financial Corporation Frontier Financial Corporati Keycorp Banner Corporation Columbia Banking System Inc Americanwest Bancorporation MBNA Corporation Zions Bancorporation Washington Banking Company OH UT IL NC NC GA NC NC VA DE VA MD NY CA VA VA VA AL WV VA VA VA UT VA VA UT NY ME VT VT MN CA NC WA WA OH WA WA WA DE UT WA Page 50 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 91,552 89,350 88,969 75,258 74,397 57,974 57,875 57,873 51,515 348,945 187,797 117,080 85,807 76,317 63,469 2,077,505 814,947 603,411 370,027 275,899 254,153 193,238 164,229 140,244 137,279 132,601 130,912 122,283 120,337 102,067 95,161 94,195 93,941 90,021 83,327 82,760 78,298 69,171 67,421 62,408 60,780 60,592 59,400 LSBL# (2) 538 576 16,889 559 343 531 6,555 21,857 480 2,553 1,985 1,461 950 1,959 396 12,125 5,743 8,523 1,730 7,415 5,613 1,332 1,330 1,075 1,214 733 1,142 1,210 779 459 540 755 701 676 1,799 859 11,643 434 13,159 592 6,488 459 511 Bk. Size (3) <$1B <$1B >$50B <$1B $1B-$10B <$1B $1B-$10B $10B-$50B <$1B >$50B $1B-$10B $1B-$10B $10B-$50B >$50B $1B-$10B $10B-$50B $10B-$50B >$50B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B <$1B <$1B <$1B <$1B <$1B $1B-$10B <$1B $1B-$10B <$1B <$1B $1B-$10B <$1B <$1B >$50B <$1B >$50B <$1B $1B-$10B <$1B <$1B SSBL$ (1,000) (4) 12,296 13,383 88,537 13,958 7,363 10,369 57,875 57,665 10,996 59,317 49,548 35,138 28,121 14,577 11,430 291,366 133,899 117,985 39,327 46,952 129,121 31,872 35,522 25,611 30,035 18,374 28,172 30,408 19,032 10,002 13,728 17,238 19,441 19,283 32,191 20,266 78,188 9,374 66,480 13,016 60,780 11,413 13,102 SSBL# (5) 298 324 16,886 379 162 380 6,555 21,856 358 1,821 1,530 1,200 782 1,781 252 7,046 3,802 7,205 840 6,862 5,199 828 861 658 843 417 837 897 495 202 295 489 486 457 1,598 656 11,642 239 13,156 419 6,488 292 354 LSBL (2) $ (1,000) (6) 79,256 75,967 432 61,300 67,034 47,605 0 208 40,519 289,628 138,249 81,942 57,686 61,740 52,039 1,786,139 681,048 485,426 330,700 228,947 125,032 161,366 128,707 114,633 107,244 114,227 102,740 91,875 101,305 92,065 81,433 76,957 74,500 70,738 51,136 62,494 110 59,797 941 49,392 0 49,179 46,298 LSBL(2) # (7) 240 252 3 180 181 151 0 1 122 732 455 261 168 178 144 5,079 1,941 1,318 890 553 414 504 469 417 371 316 305 313 284 257 245 266 215 219 201 203 1 195 3 173 0 167 157 City Bk Olympic Bancorp Inc. Citigroup Inc. Venture Financial Group Inc Cascade Financial Corporatio Skagit St Bk Advanta Bk Corp American Express Centurion B Cashmere Valley Bk West Virginia BB&T Corporation United Bankshares Inc. Wesbanco Inc. Huntington Bancshares Incorp Bank One Corporation City Holding Company Wisconsin Marshall & Ilsley Corporatio Associated Banc-Corp U.S. Bancorp Johnson Financial Group Inc Bank One Corporation Wells Fargo & Company Baylake Corp. Citizens Banking Corporation First Banking Center Inc. River Valley Bancorporation First Business Financial Ser First Manitowoc Bancorp Inc NEB Corporation State Financial Services Cor Bankmanagers Corp. Heartland Financial Usa Inc Tri City Bankshares Corporat Waukesha St Bk Amcore Financial Inc. Waupaca Bancorporation Inc. S.B.C.P. Bancorp Inc. MBNA Corporation Oconomowoc Bancshares Inc. Citigroup Inc. Citizens Bank Holding Inc. Advanta Bk Corp Community Banc-Corp Of Shebo Sword Financial Corporation WA WA NY WA WA WA UT UT WA NC WV WV OH IL WV WI WI MN WI IL CA WI MI WI WI WI WI WI WI WI IA WI WI IL WI WI DE WI NY WI UT WI WI Page 51 of 80 Table 4A. Top Small Business Lenders by State Using CRA Data, 2003 Small Business Lending (<$1M) Micro-Business Lending (<$100k) Small Business Lending ($100k-$1M) State Bank Name HQ State LSBL$ (1,000) (1) 53,557 123,968 68,746 66,670 64,829 LSBL# (2) 2,390 1,791 999 453 1,444 Bk. Size (3) >$50B $1B-$10B $1B-$10B <$1B >$50B SSBL$ (1,000) (4) 51,157 43,015 22,942 11,391 33,151 SSBL# (5) 2,387 1,488 814 299 1,343 LSBL (2) $ (1,000) (6) 2,400 80,953 45,804 55,279 31,678 LSBL(2) # (7) 3 303 185 154 101 J.P. Morgan Chase & Co. Wyoming First Interstate Bancsystem Community First Bankshares United Bancorporation Of Wyo Wells Fargo & Company NY MT ND WY CA Note: Small businesses seeking loans should also consider banks that participate in SBA loan programs. To locate an SBA certified lender near you, call 1-800-8-ASK-SBA or check SBA's website at: http://www.sba.gov. Source: U.S. Small Businesss Administration, Office of Advocacy, Office of Economic Research, from the Call Report collected by the Federal Reserve. Page 52 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) SSBL # (2) Bk. Size (3) LSBL $ (1,000) (4) LSBL # (5) LSBL(2)$ (1,000) (6) LSBL(2)# (7) Alabama Amsouth Bancorporation Regions Financial Corporatio Synovus Financial Corp. Southtrust Corporation MBNA Corporation Compass Bancshares Inc. Colonial Bancgroup Inc. Th Citigroup Inc. Alabama National Bancorporat Aliant Financial Corporation Wells Fargo & Company Advanta Bk Corp GE Cap Fncl Banc Corporation The American Express Centurion B Whitney Holding Corporation Community Bancshares Inc. United Security Bancshares West Alabama Capital Corp. Auburn National Bancorporati Pitney Bowes Bk Bancorpsouth Inc. Bancindependent Incorporated Suntrust Banks Inc. AL AL GA AL DE AL AL NY AL AL CA UT UT AL UT LA AL AL AL AL UT MS AL GA CA AK AK NC DE CA DE IL NY NC UT UT UT NY AL WI MI UT UT NY 331,765 243,674 126,982 125,113 110,307 91,387 84,199 49,429 43,469 38,491 37,695 29,712 29,521 24,235 23,976 19,736 17,771 16,736 14,226 13,752 13,485 13,327 11,651 10,863 88,587 85,328 23,679 16,444 12,269 568,476 116,643 94,769 84,517 73,214 51,813 47,244 46,159 39,039 37,888 33,227 32,409 30,522 17,144 16,233 9,169 7,594 3,419 2,958 18,104 2,329 2,514 10,509 1,352 791 1,330 3,276 8,413 761 3,958 509 740 719 627 423 2,153 452 424 383 3,221 2,341 493 1,627 1,179 24,990 10,498 11,200 16,640 5,113 15,186 5,537 1,246 1,426 974 783 653 8,049 2,883 2,569 $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $1B-$10B <$1B >$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B <$1B <$1B <$1B <$1B <$1B $10B-$50B <$1B >$50B >$50B $1B-$10B <$1B >$50B >$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B $1B-$10B $10B-$50B >$50B $10B-$50B $10B-$50B $1B-$10B $1B-$10B <$1B $1B-$10B 1,002,170 1,108,707 611,572 833,431 113,447 477,441 341,901 49,749 180,665 188,573 38,665 29,712 29,521 85,475 23,976 126,074 35,428 37,817 41,602 65,664 13,485 52,145 39,422 54,650 224,852 382,148 107,888 19,905 12,269 884,667 117,671 232,324 85,925 194,576 51,963 47,244 417,163 42,823 196,808 285,466 255,035 30,522 17,144 20,241 11,259 10,253 4,969 5,076 18,114 3,457 3,371 10,511 1,767 1,423 1,339 3,276 8,413 988 3,958 828 819 808 741 592 2,153 579 522 527 3,626 3,362 757 1,635 1,179 26,043 10,503 11,597 16,648 5,433 15,187 5,537 2,230 1,444 1,385 1,431 1,335 8,049 2,883 2,590 670,405 865,033 484,590 708,318 3,140 386,054 257,702 320 137,196 150,082 970 0 0 61,240 0 106,338 17,657 21,081 27,376 51,912 0 38,818 27,771 43,787 136,265 296,820 84,209 3,461 0 316,191 1,028 137,555 1,408 121,362 150 0 371,004 3,784 158,920 252,239 222,626 0 0 4,008 2,090 2,659 1,550 2,118 10 1,128 857 2 415 632 9 0 0 227 0 319 79 89 114 169 0 127 98 144 405 1,021 264 8 0 1,053 5 397 8 320 1 0 984 18 411 648 682 0 0 21 Alaska Wells Fargo & Company First Nb Alaska Northrim Bancorp Inc. Bank Of America Corporation MBNA Corporation Arizona Wells Fargo & Company MBNA Corporation Bank One Corporation Citigroup Inc. Bank Of America Corporation American Express Centurion B Advanta Bk Corp Zions Bancorporation J.P. Morgan Chase & Co. Compass Bancshares Inc. Marshall & Ilsley Corporatio Capitol Bancorp Ltd. GE Cap Fncl Pitney Bowes Bk Atlantic Bk Of Ny Page 53 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 11,382 148,443 107,711 67,204 45,334 43,575 40,288 35,906 33,996 28,982 25,809 25,127 24,221 21,863 17,072 16,924 15,817 13,370 13,259 12,253 11,816 11,266 10,708 10,466 5,020,378 868,093 775,549 743,741 593,011 447,651 384,394 214,647 203,010 151,629 149,260 138,438 119,250 110,328 80,590 79,385 64,831 52,856 40,396 38,683 38,234 SSBL # (2) 191 5,140 3,330 2,402 7,996 1,710 1,674 7,367 1,316 1,083 837 969 2,634 799 566 806 786 3,879 469 333 2,078 331 365 338 211,677 88,860 151,783 24,318 36,013 123,968 44,618 9,989 5,389 41,230 22,531 9,394 2,145 32,191 11,181 1,546 1,160 2,379 1,207 625 658 Bk. Size (3) $10B-$50B $10B-$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B <$1B >$50B $1B-$10B $1B-$10B $10B-$50B <$1B >$50B $1B-$10B $1B-$10B <$1B $10B-$50B $1B-$10B <$1B <$1B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B $1B-$10B >$50B $10B-$50B $1B-$10B <$1B >$50B $10B-$50B >$50B $1B-$10B $10B-$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B >$50B LSBL $ (1,000) (4) 81,508 557,483 498,491 223,813 45,534 134,654 88,473 35,906 114,059 30,838 94,341 102,305 24,221 95,386 74,600 43,965 15,817 13,370 53,949 50,560 11,816 34,721 17,956 49,550 7,257,419 870,573 781,828 1,791,634 1,633,509 450,578 384,394 236,901 862,207 154,519 149,260 876,787 804,872 121,180 86,954 884,037 386,943 378,623 228,356 575,875 908,995 LSBL # (5) 380 6,500 4,546 2,949 7,997 2,043 1,854 7,367 1,571 1,095 1,068 1,207 2,634 1,071 749 904 786 3,879 607 452 2,078 399 399 454 219,084 88,873 151,809 27,115 38,490 123,986 44,618 10,090 6,947 41,240 22,531 11,205 3,862 32,218 11,190 3,462 2,135 3,233 1,702 1,861 2,542 LSBL(2)$ (1,000) (6) 70,126 409,040 390,780 156,609 200 91,079 48,185 0 80,063 1,856 68,532 77,178 0 73,523 57,528 27,041 0 0 40,690 38,307 0 23,455 7,248 39,084 2,237,041 2,480 6,279 1,047,893 1,040,498 2,927 0 22,254 659,197 2,890 0 738,349 685,622 10,852 6,364 804,652 322,112 325,767 187,960 537,192 870,761 LSBL(2)# (7) 189 1,360 1,216 547 1 333 180 0 255 12 231 238 0 272 183 98 0 0 138 119 0 68 34 116 7,407 13 26 2,797 2,477 18 0 101 1,558 10 0 1,811 1,717 27 9 1,916 975 854 495 1,236 1,884 Northern Trust Corporation IL AL AR AR DE AR AR NY MS CA AR MN UT AR TN AR NY UT AR AR UT AR AR AR CA DE NY CA NC UT UT NY CA UT UT MN UT IL MA CA CA PA CA CA MI Arkansas Regions Financial Corporation Arvest Bank Group Inc. Simmons First National Corpo MBNA Corporation Bank Of The Ozarks Inc First Security Bancorp Citigroup Inc. Bancorpsouth Inc. Wells Fargo & Company Summit Bancorp Inc. U.S. Bancorp Advanta Bk Corp First Bank Corp Union Planters Corporation First Paragould Bankshares J.P. Morgan Chase & Co. GE Cap Fncl Home Bancshares Inc. Pulaski Investment Corporati American Express Centurion B Rogers Bancshares Inc. Citizens Bancshares Of Bates Arkansas National Bancshares California Wells Fargo & Company MBNA Corporation Citigroup Inc. Union Bk Of CA Na Bank Of America Corporation American Express Centurion B Advanta Bk Corp J.P. Morgan Chase & Co. Bank Of The West GE Cap Fncl Pitney Bowes Bk U.S. Bancorp Zions Bancorporation Bank One Corporation Fleetboston Financial Corporation City National Corporation Westamerica Bancorporation Mellon Financial Corporation Pacific Capital Bancorp Greater Bay Bancorp Comerica Incorporated Page 54 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 38,014 35,630 33,211 33,047 32,402 28,961 27,261 25,444 23,459 22,739 22,137 21,332 20,855 20,704 18,320 16,615 15,765 15,018 14,752 13,222 12,981 12,916 12,820 11,494 11,473 11,415 11,224 10,755 10,732 10,565 515,566 135,532 86,144 75,575 69,736 60,396 59,704 51,682 39,736 37,086 36,978 35,080 34,411 33,689 33,478 29,272 SSBL # (2) 740 612 788 652 4,633 501 539 506 593 507 409 380 527 493 361 370 246 314 287 312 196 225 300 360 187 180 173 192 170 194 22,538 14,576 17,689 5,982 7,880 10,748 1,535 2,327 9,251 9,715 1,033 1,492 1,789 741 704 883 Bk. Size (3) $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B >$50B >$50B >$50B $1B-$10B >$50B $10B-$50B >$50B $10B-$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B >$50B LSBL $ (1,000) (4) 265,686 274,889 93,410 236,292 38,373 198,478 173,644 163,504 152,821 203,374 229,838 225,544 78,704 123,937 158,160 85,108 160,540 103,294 166,630 68,135 165,987 172,749 110,713 46,538 68,999 77,388 138,418 91,149 180,280 67,336 890,293 136,242 87,730 305,251 69,736 153,575 333,610 54,001 40,003 37,086 198,571 189,515 196,461 225,124 258,835 139,319 LSBL # (5) 1,368 1,248 986 1,206 4,654 1,017 937 861 1,122 971 916 892 711 728 712 556 662 565 673 484 565 623 567 466 341 377 491 434 518 354 23,761 14,580 17,694 6,622 7,880 10,990 2,369 2,336 9,253 9,715 1,522 1,929 2,248 1,278 1,346 1,193 LSBL(2)$ (1,000) (6) 227,672 239,259 60,199 203,245 5,971 169,517 146,383 138,060 129,362 180,635 207,701 204,212 57,849 103,233 139,840 68,493 144,775 88,276 151,878 54,913 153,006 159,833 97,893 35,044 57,526 65,973 127,194 80,394 169,548 56,771 374,727 710 1,586 229,676 0 93,179 273,906 2,319 267 0 161,593 154,435 162,050 191,435 225,357 110,047 LSBL(2)# (7) 628 636 198 554 21 516 398 355 529 464 507 512 184 235 351 186 416 251 386 172 369 398 267 106 154 197 318 242 348 160 1,223 4 5 640 0 242 834 9 2 0 489 437 459 537 642 310 CVB Financial Corp. Eggemeyer Advisory Corp. Trico Bancshares Hanmi Financial Corporation Lauritzen Corporation Pacific Union Bank Mid-State Bancshares Center Financial Corporation Sierra Bancorp Farmers & Mrch Bk Community Bk First Banks Inc. Exchange Bk Mechanics Bk Central Coast Bancorp Bank Of Marin Nara Bancorp Inc. First Northern Community Ban California Community Financial San Joaquin Bk Heritage Commerce Corp Wilshire St Bk Valley Indep Bk Savings Bk Of Mendocino Cty BWC Financial Corp. USDB Bancorp Fremont Bancorporation Capital Corp Of The West Cathay General Bancorp Redding Bancorp CA CA CA CA NE CA CA CA CA CA CA MO CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA CA DE NY MN UT IL UT NY UT UT ND NE CO CO CO OH Colorado Wells Fargo & Company MBNA Corporation Citigroup Inc. U.S. Bancorp Advanta Bk Corp Bank One Corporation Zions Bancorporation J.P. Morgan Chase & Co. American Express Centurion B GE Cap Fncl Community First Bankshares Lauritzen Corporation Firstbank Holding Company Guaranty Corporation Cobiz Inc. Keycorp Page 55 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 25,679 24,407 20,943 20,128 19,397 17,112 15,665 14,129 13,996 160,439 152,865 77,731 73,876 62,026 61,210 42,405 40,336 19,991 16,710 15,440 13,121 12,452 29,467 29,438 26,632 21,738 18,629 12,214 11,084 10,074 19,135 16,173 13,434 12,401 12,207 10,722 531,665 435,590 435,376 389,389 359,143 337,528 327,208 SSBL # (2) 864 982 604 485 2,898 364 386 2,061 390 5,729 9,510 14,138 1,699 1,970 9,770 4,633 7,926 2,317 4,636 384 4,516 212 872 584 4,090 490 702 2,599 363 274 439 3,094 1,689 368 232 519 12,669 16,281 12,274 57,298 81,859 22,746 11,076 Bk. Size (3) $1B-$10B $1B-$10B <$1B <$1B <$1B $1B-$10B $10B-$50B $1B-$10B <$1B >$50B $1B-$10B >$50B >$50B >$50B >$50B $1B-$10B $10B-$50B <$1B $1B-$10B $10B-$50B >$50B $1B-$10B >$50B $1B-$10B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B LSBL $ (1,000) (4) 125,070 90,622 72,192 133,321 19,397 96,910 86,700 14,129 91,085 222,612 274,744 81,056 285,619 64,855 61,657 42,405 40,561 19,991 16,710 120,403 13,289 94,792 97,028 209,068 27,231 98,242 21,029 12,214 11,189 44,657 77,020 16,366 13,884 13,429 100,811 49,896 2,004,243 1,729,171 1,356,890 400,751 360,392 1,021,023 351,724 LSBL # (5) 1,166 1,200 805 800 2,898 590 574 2,061 613 5,971 9,836 14,146 2,277 1,996 9,772 4,633 7,927 2,317 4,636 659 4,517 471 1,063 1,126 4,093 697 709 2,599 364 392 581 3,095 1,691 373 456 616 16,526 20,030 14,954 57,351 81,864 24,636 11,227 LSBL(2)$ (1,000) (6) 99,391 66,215 51,249 113,193 0 79,798 71,035 0 77,089 62,173 121,879 3,325 211,743 2,829 447 0 225 0 0 104,963 168 82,340 67,561 179,630 599 76,504 2,400 0 105 34,583 57,885 193 450 1,028 88,604 39,174 1,472,578 1,293,581 921,514 11,362 1,249 683,495 24,516 LSBL(2)# (7) 302 218 201 315 0 226 188 0 223 242 326 8 578 26 2 0 1 0 0 275 1 259 191 542 3 207 7 0 1 118 142 1 2 5 224 97 3,857 3,749 2,680 53 5 1,890 151 Pinnacle Bancorp Inc. Alpine Banks Of Colorado Centennial Bank Holdings In Citywide Banks Of Colorado Pitney Bowes Bk Sturm Financial Group Inc. Compass Bancshares Inc. Fleetboston Financial Corporation Front Range Capital Corporation NE CO CO CO UT CO AL MA CO NY MA NY NC CA DE UT UT UT UT ME IL NJ PA DE DE NC NY NY CA MA NC NY DE CA NC NC NC GA AL DE NY NC CA Connecticut J.P. Morgan Chase & Co. Fleetboston Financial Corporation Citigroup Inc. Wachovia Corporation Wells Fargo & Company MBNA Corporation Advanta Bk Corp American Express Centurion B Pitney Bowes Bk GE Cap Fncl Banknorth Group Inc. Bank One Corporation Hudson United Bancorp Delaware PNC Financial Services Group Wilmington Trust Corporation MBNA Corporation Wachovia Corporation J.P. Morgan Chase & Co. Citigroup Inc. Wells Fargo & Company Citizens Bk Of MA District of Columbia Wachovia Corporation Citigroup Inc. MBNA Corporation Wells Fargo & Company BB&T Corporation Bank Of America Corporation Florida Wachovia Corporation Suntrust Banks Inc. Amsouth Bancorporation MBNA Corporation Citigroup Inc. Bank Of America Corporation Wells Fargo & Company Page 56 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 212,421 206,371 141,477 132,201 103,638 71,081 66,078 59,719 53,897 51,664 50,832 44,679 43,064 42,293 37,311 33,058 29,338 28,047 22,887 22,531 21,489 20,370 18,612 17,734 17,139 16,318 12,902 12,613 12,584 12,350 11,716 10,625 10,582 10,395 287,193 208,657 198,298 174,726 168,819 160,546 118,682 104,093 102,602 97,864 75,165 71,663 SSBL # (2) 37,116 23,566 39,982 6,859 2,458 11,884 1,641 7,641 17,805 1,429 1,057 1,437 1,007 1,467 980 797 2,705 528 2,322 730 543 477 385 365 442 396 385 314 251 380 219 386 222 307 8,748 7,102 30,375 4,249 5,020 4,553 26,477 3,557 15,177 6,103 2,807 8,132 Bk. Size (3) $10B-$50B $1B-$10B $1B-$10B >$50B >$50B <$1B $10B-$50B $1B-$10B >$50B $1B-$10B $10B-$50B $10B-$50B <$1B $1B-$10B $10B-$50B $10B-$50B <$1B $10B-$50B >$50B $1B-$10B <$1B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B $1B-$10B $10B-$50B $1B-$10B $10B-$50B <$1B $1B-$10B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B LSBL $ (1,000) (4) 215,199 206,371 143,685 146,921 735,273 71,081 373,712 69,503 75,291 309,506 325,833 214,543 199,749 112,667 177,524 191,655 61,653 198,227 50,338 81,134 71,015 112,651 83,055 127,859 65,316 89,393 56,280 41,256 117,600 61,450 87,106 18,373 66,904 55,025 1,408,002 1,334,559 203,651 929,944 804,516 988,923 120,926 109,104 103,099 366,062 278,579 71,663 LSBL # (5) 37,131 23,566 39,988 6,929 4,305 11,884 2,579 7,666 17,854 2,195 1,836 1,930 1,490 1,707 1,378 1,287 2,824 1,022 2,393 936 728 759 559 708 574 607 524 399 528 519 431 409 375 433 12,154 10,291 30,402 6,176 7,031 6,762 26,486 3,595 15,181 6,855 3,545 8,132 LSBL(2)$ (1,000) (6) 2,778 0 2,208 14,720 631,635 0 307,634 9,784 21,394 257,842 275,001 169,864 156,685 70,374 140,213 158,597 32,315 170,180 27,451 58,603 49,526 92,281 64,443 110,125 48,177 73,075 43,378 28,643 105,016 49,100 75,390 7,748 56,322 44,630 1,120,809 1,125,902 5,353 755,218 635,697 828,377 2,244 5,011 497 268,198 203,414 0 LSBL(2)# (7) 15 0 6 70 1,847 0 938 25 49 766 779 493 483 240 398 490 119 494 71 206 185 282 174 343 132 211 139 85 277 139 212 23 153 126 3,406 3,189 27 1,927 2,011 2,209 9 38 4 752 738 0 American Express Centurion B Advanta Bk Corp GE Cap Fncl J.P. Morgan Chase & Co. Southtrust Corporation Pitney Bowes Bk Synovus Financial Corp. Fleetboston Financial Corporation Bank One Corporation F.N.B. Corporation Colonial Bancgroup Inc. Th Mellon Financial Corporation Tampa Banking Company The Capital City Bank Group Inc Compass Bancshares Inc. Regions Financial Corporation Totalbank Union Planters Corporation U.S. Bancorp Riverside Banking Company Citrus & Chemical Bancorporation CNB Florida Bancshares Inc. Transatlantic Bk Gold Banc Corporation Inc. Ocean Bankshares Inc. Alabama National Bancorporation Florida Community Banks Inc HSBC Bk USA Florida Banks Inc. South Financial Group The Commercebank Na Huntington Bancshares Incorp Tib Financial Corp. Seacoast Banking Corporation UT UT UT NY AL UT GA MA IL FL AL PA FL FL AL AL FL TN MN FL FL FL FL KS FL AL FL NY FL SC FL OH FL FL GA GA DE NC AL NC NY CA UT NC GA UT Georgia Synovus Financial Corp. Suntrust Banks Inc. MBNA Corporation Wachovia Corporation Regions Financial Corporation BB&T Corporation Citigroup Inc. Wells Fargo & Company American Express Centurion B Bank Of America Corporation United Community Banks Inc. Advanta Bk Corp Page 57 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 69,287 63,386 44,415 43,837 42,267 41,111 34,084 29,906 24,683 23,546 21,289 21,019 19,009 18,942 18,073 17,047 15,770 15,475 14,129 13,944 13,899 13,230 13,169 12,879 11,470 11,399 10,516 10,153 10,028 100,893 37,453 34,392 29,488 28,636 21,990 20,276 20,222 17,733 14,529 149,388 45,728 35,816 28,879 23,400 22,025 SSBL # (2) 2,900 17,760 1,523 1,404 1,320 1,010 5,253 1,090 835 894 648 816 6,603 614 801 616 2,238 1,113 487 618 471 600 367 327 291 249 256 387 397 4,287 949 702 2,969 934 8,072 509 3,487 347 1,632 6,606 2,206 3,705 953 844 480 Bk. Size (3) >$50B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B <$1B <$1B <$1B <$1B $10B-$50B <$1B >$50B <$1B <$1B <$1B $1B-$10B >$50B <$1B <$1B <$1B <$1B $1B-$10B <$1B <$1B <$1B $10B-$50B <$1B $1B-$10B $10B-$50B $1B-$10B $1B-$10B >$50B >$50B $10B-$50B <$1B >$50B $1B-$10B $1B-$10B >$50B >$50B >$50B <$1B <$1B <$1B LSBL $ (1,000) (4) 73,052 64,021 149,696 265,119 131,258 306,475 34,084 68,618 85,397 66,940 74,734 107,773 20,968 81,566 56,916 52,783 18,191 23,832 51,539 45,857 36,410 63,265 69,356 52,853 61,975 62,329 67,258 34,029 34,138 314,018 160,924 126,108 29,488 30,288 21,990 98,044 20,222 158,131 14,529 295,503 258,705 35,956 72,223 115,592 120,267 LSBL # (5) 2,920 17,763 1,894 2,060 1,715 1,749 5,253 1,242 1,047 1,062 814 1,092 6,611 825 947 741 2,243 1,142 602 731 546 747 508 476 430 394 434 460 477 4,877 1,278 966 2,969 948 8,072 736 3,487 701 1,632 7,083 2,789 3,706 1,163 1,181 876 LSBL(2)$ (1,000) (6) 3,765 635 105,281 221,282 88,991 265,364 0 38,712 60,714 43,394 53,445 86,754 1,959 62,624 38,843 35,736 2,421 8,357 37,410 31,913 22,511 50,035 56,187 39,974 50,505 50,930 56,742 23,876 24,110 213,125 123,471 91,716 0 1,652 0 77,768 0 140,398 0 146,115 212,977 140 43,344 92,192 98,242 LSBL(2)# (7) 20 3 371 656 395 739 0 152 212 168 166 276 8 211 146 125 5 29 115 113 75 147 141 149 139 145 178 73 80 590 329 264 0 14 0 227 0 354 0 477 583 1 210 337 396 J.P. Morgan Chase & Co. GE Cap Fncl ABC Bancorp Main Street Banks Inc. Community Bankshares Inc. Southtrust Corporation Pitney Bowes Bk Queensborough Company The DBT Holding Company United Bank Corporation Amsouth Bancorporation The Brand Banking Company Bank One Corporation Georgia Bank Financial Corporation Mid State Banks Inc. Farmers & Mrch Bk Fleetboston Financial Corportion U.S. Bancorp Crescent Banking Company Pinnacle Financial Corporation Southeastern Banking Corporation WGNB Corp. Fidelity Southern Corporatio Flag Financial Corporation Security Bank Corporation ABS Investors Llc Colonial Bancgroup Inc. Th PAB Bankshares Inc. Capital City Bank Group Inc NY UT GA GA GA AL UT GA GA GA AL GA IL GA GA GA MA MN GA GA GA GA GA GA GA GA AL GA FL CA HI HI DE CA UT HI NY HI UT CA MN DE ID ID ID Hawaii Bank Of The West Bank Of Hawaii Corporation CB Bancshares Inc. MBNA Corporation Wells Fargo & Company American Express Centurion B Hawaii National Bancshares Citigroup Inc. Central Pacific Financial Co Advanta Bk Corp Idaho Wells Fargo & Company U.S. Bancorp MBNA Corporation Bank Of Cmrc F & M Holding Company Idaho Independent Bk Page 58 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 20,873 20,421 18,364 16,951 15,951 15,309 14,578 12,956 244,955 211,974 200,426 165,220 136,790 120,760 108,162 108,162 106,476 90,046 74,491 70,133 65,595 49,565 43,400 41,383 37,519 36,929 32,601 32,419 31,239 31,112 28,370 26,902 26,858 25,537 21,280 19,819 19,629 19,175 19,137 19,020 18,902 18,760 18,702 18,133 17,976 17,940 SSBL # (2) 636 617 683 1,822 3,331 411 359 3,922 43,617 7,468 27,537 4,147 19,131 13,606 4,652 3,938 5,285 2,153 19,447 13,328 1,258 6,975 854 1,286 1,536 1,232 885 934 649 618 582 735 806 761 3,067 1,107 640 508 567 437 470 386 609 633 457 513 Bk. Size (3) $10B-$50B <$1B <$1B $1B-$10B >$50B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $1B-$10B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B $10B-$50B >$50B <$1B $1B-$10B $1B-$10B >$50B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B <$1B $1B-$10B $1B-$10B $10B-$50B <$1B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B <$1B $1B-$10B $10B-$50B $10B-$50B LSBL $ (1,000) (4) 86,110 61,000 47,338 16,951 15,951 129,195 83,454 12,956 245,920 253,442 202,568 859,846 681,387 120,760 113,848 790,827 387,502 595,400 74,491 70,398 595,738 49,565 466,510 199,019 184,766 124,564 139,942 212,108 257,928 323,759 231,043 149,059 86,542 128,476 21,465 77,845 71,109 118,939 70,534 76,692 92,862 154,878 82,596 69,895 182,245 107,106 LSBL # (5) 865 776 777 1,822 3,331 717 551 3,922 43,621 7,637 27,548 5,675 20,425 13,606 4,681 5,737 6,128 3,596 19,447 13,330 2,727 6,975 1,976 1,730 1,997 1,531 1,210 1,458 1,280 1,449 1,151 1,111 1,021 1,053 3,068 1,293 816 822 724 624 703 775 821 800 885 755 LSBL(2)$ (1,000) (6) 65,237 40,579 28,974 0 0 113,886 68,876 0 965 41,468 2,142 694,626 544,597 0 5,686 682,665 281,026 505,354 0 265 530,143 0 423,110 157,636 147,247 87,635 107,341 179,689 226,689 292,647 202,673 122,157 59,684 102,939 185 58,026 51,480 99,764 51,397 57,672 73,960 136,118 63,894 51,762 164,269 89,166 LSBL(2)# (7) 229 159 94 0 0 306 192 0 4 169 11 1,528 1,294 0 29 1,799 843 1,443 0 2 1,469 0 1,122 444 461 299 325 524 631 831 569 376 215 292 1 186 176 314 157 187 233 389 212 167 428 242 Zions Bancorporation D. L. Evans Bancorp Farmers Bancorporation Inc. Advanta Bk Corp Citigroup Inc. W.T.B. Financial Corporation Keycorp American Express Centurion B UT ID ID UT NY WA OH UT NY CA DE IL IL UT NY IL MN IL UT UT OH UT IL MO OH IL IL IL IL IL IL TN IL IL MA NE IL IL IN IL IL IL IL IL WI MO Illinois Citigroup Inc. Wells Fargo & Company MBNA Corporation Lasalle Bk Na Bank One Corporation Advanta Bk Corp J.P. Morgan Chase & Co. Harris T&Sb U.S. Bancorp First Midwest Bancorp Inc. GE Cap Fncl American Express Centurion B Fifth Third Bancorp Pitney Bowes Bk MB Financial Inc First Banks Inc. National City Corporation First Mid-Illinois Bancshare Banc Ed Corp. The Old Second Bancorp Inc. Amcore Financial Inc. West Suburban Bancorp Inc. Wintrust Financial Corporation Union Planters Corporation Banterra Corp Main Street Trust Inc. Fleetboston Financial Corporation Lauritzen Corporation Heartland Bancorp Inc. Midwest Banc Holdings Inc. Old National Bancorp Great Lakes Financial Resour West Pointe Bancorp Inc. Standard Bancshares Inc. Princeton National Bancorp Hometown Community Bancorp Associated Banc-Corp Commerce Bancshares Inc. Page 59 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 16,679 15,785 15,784 15,688 15,325 14,622 14,450 14,048 13,731 13,647 13,442 13,414 12,778 12,429 12,410 11,459 10,994 10,962 10,387 10,188 122,031 120,828 95,131 88,038 81,664 72,393 69,843 65,213 62,306 44,575 42,209 38,912 36,790 31,297 29,809 29,518 28,711 27,452 26,766 21,073 20,050 19,780 19,709 19,145 18,586 18,071 SSBL # (2) 326 505 314 306 345 287 377 283 332 1,250 507 359 334 275 272 337 233 422 236 241 17,805 4,368 2,008 2,371 17,981 3,034 1,961 8,264 6,597 1,298 1,024 10,587 933 826 594 886 674 820 1,414 371 1,290 2,664 3,725 638 710 504 Bk. Size (3) $1B-$10B <$1B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B <$1B <$1B <$1B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B <$1B $10B-$50B >$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $1B-$10B <$1B $1B-$10B $1B-$10B $10B-$50B >$50B $1B-$10B >$50B <$1B $10B-$50B $1B-$10B <$1B <$1B LSBL $ (1,000) (4) 198,482 83,031 140,655 136,820 152,100 197,856 63,531 110,090 67,081 58,113 40,464 60,623 62,431 143,970 86,624 39,645 99,008 40,639 61,983 68,753 123,473 196,010 673,470 426,989 81,877 361,417 271,296 329,458 62,431 151,772 227,419 38,912 221,617 164,806 234,626 97,975 177,203 71,897 27,641 163,098 55,954 19,780 19,709 67,850 92,389 90,150 LSBL # (5) 786 702 637 616 783 727 550 567 506 1,349 610 510 483 593 473 435 480 509 397 410 17,814 4,625 3,635 3,366 17,983 3,865 2,625 8,983 6,598 1,698 1,645 10,587 1,488 1,270 1,179 1,112 1,091 933 1,418 775 1,407 2,664 3,725 797 961 720 LSBL(2)$ (1,000) (6) 181,803 67,246 124,871 121,132 136,775 183,234 49,081 96,042 53,350 44,466 27,022 47,209 49,653 131,541 74,214 28,186 88,014 29,677 51,596 58,565 1,442 75,182 578,339 338,951 213 289,024 201,453 264,245 125 107,197 185,210 0 184,827 133,509 204,817 68,457 148,492 44,445 875 142,025 35,904 0 0 48,705 73,803 72,079 LSBL(2)# (7) 460 197 323 310 438 440 173 284 174 99 103 151 149 318 201 98 247 87 161 169 9 257 1,627 995 2 831 664 719 1 400 621 0 555 444 585 226 417 113 4 404 117 0 0 159 251 216 American Chartered Bancorp Home State Bancorp Inc. Northern Trust Corporation Taylor Capital Group Inc. Metropolitan Bank Group Inc First American Bank Corporation First Busey Corporation FBOP Corporation Heartland Financial USA Inc Bank Of America Corporation Market Street Bancshares In Midland States Bancorp Inc. Mid Illinois Bancorp Inc. Cib Marine Bancshares Inc. Peotone Bancorp Inc. Unionbancorp Inc. Popular Inc. Blackhawk Bancorporation In Itasca Bancorp Inc. Charter One Financial Inc. IL IL IL IL IL IL IL IL IA NC IL IL IL WI IL IL PR IL IL OH DE CA OH IN NY OH IN IL UT OH IN UT TN IN IN IN IN OH NY IN MN UT UT IN IN IN Indiana MBNA Corporation Wells Fargo & Company Fifth Third Bancorp Old National Bancorp Citigroup Inc. National City Corporation First Merchants Corporation Bank One Corporation Advanta Bk Corp First Financial Bancorp 1st Source Corporation GE Cap Fncl Union Planters Corporation Star Financial Group Inc. Salin Bancshares Inc. First Financial Corporation Lakeland Financial Corporation Huntington Bancshares Incorp J.P. Morgan Chase & Co. Irwin Financial Corporation U.S. Bancorp Pitney Bowes Bk American Express Centurion B Mainsource Financial Group First Farmers Financial Corp Monroe Bancorp Page 60 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 16,651 15,678 14,269 13,918 13,692 13,672 11,384 10,891 10,737 10,383 10,194 10,169 10,126 141,171 104,306 60,360 46,340 36,379 33,656 29,934 23,603 20,295 17,273 17,216 16,479 15,414 14,980 14,689 14,237 13,942 13,121 12,966 12,959 11,497 65,786 43,179 42,001 37,919 34,398 32,166 29,927 28,250 23,101 22,285 21,126 SSBL # (2) 377 484 374 380 265 295 246 262 387 276 1,539 239 298 5,673 4,142 8,461 9,292 3,545 1,840 1,033 698 985 4,241 542 1,024 384 420 627 638 533 432 331 647 293 7,625 1,420 8,553 1,333 3,556 1,165 1,293 1,071 448 1,001 590 Bk. Size (3) $1B-$10B >$50B $1B-$10B <$1B <$1B $1B-$10B <$1B $1B-$10B <$1B <$1B $1B-$10B <$1B $1B-$10B >$50B >$50B >$50B >$50B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B >$50B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B <$1B <$1B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B >$50B >$50B <$1B $1B-$10B <$1B $1B-$10B LSBL $ (1,000) (4) 76,954 70,925 103,820 51,687 72,079 64,609 94,556 61,589 40,756 53,561 10,194 53,980 36,052 343,833 457,761 60,660 46,340 36,379 58,042 99,889 109,249 42,067 17,273 107,356 17,229 129,480 63,375 52,264 32,718 93,172 58,952 65,843 49,748 53,500 66,706 211,632 44,943 253,288 34,398 35,215 165,699 116,576 80,649 113,959 88,149 LSBL # (5) 586 625 636 523 446 452 476 390 489 401 1,539 371 380 6,305 5,202 8,463 9,292 3,545 1,920 1,288 964 1,075 4,241 799 1,026 712 580 740 706 755 588 495 774 430 7,629 1,886 8,564 1,932 3,556 1,179 1,664 1,295 636 1,309 800 LSBL(2)$ (1,000) (6) 60,303 55,247 89,551 37,769 58,387 50,937 83,172 50,698 30,019 43,178 0 43,811 25,926 202,662 353,455 300 0 0 24,386 69,955 85,646 21,772 0 90,140 750 114,066 48,395 37,575 18,481 79,230 45,831 52,877 36,789 42,003 920 168,453 2,942 215,369 0 3,049 135,772 88,326 57,548 91,674 67,023 LSBL(2)# (7) 209 141 262 143 181 157 230 128 102 125 0 132 82 632 1,060 2 0 0 80 255 266 90 0 257 2 328 160 113 68 222 156 164 127 137 4 466 11 599 0 14 371 224 188 308 210 First Bancshares Inc. Keycorp Hasten Bancshares Farmers Bancorp Frankfort Community Bank Shares Of Ind Bank Calumet Inc. Tower Financial Corporation First Indiana Corporation Fina Bancorp Inc. Grabill Bancorp Fleetboston Financial Corporation First Mutual Of Richmond In Integra Bank Corporation IN OH IN IN IN IN IN IN IN IN MA IN IN CA MN DE NY UT IA IA IA IA UT IA NY IA IA IA IA IL IA IA IA IA DE MO NY KS UT CA MN KS KS KS KS Iowa Wells Fargo & Company U.S. Bancorp MBNA Corporation Citigroup Inc. Advanta Bk Corp Neighbor Insurance Agency I Hills Bancorporation West Bancorporation Inc. First Citizens Financial Corporation GE Cap Fncl First American Bank Group L J.P. Morgan Chase & Co. Heartland Financial USA Inc ISB Financial Corp. Fidelity Ban Corporation Ida Grove Bancshares Inc. QCR Holdings Inc. Iowa First Bancshares Corp. Amtrust Inc. Lincoln Bancorp Van Diest Investment Company Kansas MBNA Corporation Commerce Bancshares Inc. Citigroup Inc. Intrust Financial Corporation Advanta Bk Corp Wells Fargo & Company U.S. Bancorp Whitcorp Financial Company Hillcrest Bancshares Inc. Commerce Financial Corporation Sunflower Banks Inc. Page 61 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 20,884 20,874 19,639 19,099 18,653 18,389 17,893 16,628 12,231 11,685 11,388 10,660 10,595 10,119 69,065 57,102 55,948 55,411 54,908 45,732 45,364 35,058 33,458 33,413 29,443 29,319 28,583 27,024 22,839 19,007 18,705 18,298 17,942 17,788 17,521 17,015 16,549 15,698 14,032 13,247 12,190 11,401 10,219 10,109 137,722 SSBL # (2) 904 757 845 1,170 4,799 729 503 786 494 2,242 1,470 460 349 266 2,026 8,697 2,278 2,423 1,107 9,387 1,331 1,067 3,568 1,159 4,394 1,298 7,891 677 526 716 535 2,655 733 540 389 565 868 392 342 1,791 294 252 389 304 3,383 Bk. Size (3) <$1B $1B-$10B <$1B >$50B $1B-$10B <$1B $1B-$10B >$50B <$1B $10B-$50B <$1B <$1B $1B-$10B $1B-$10B >$50B >$50B >$50B >$50B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B $10B-$50B <$1B <$1B $1B-$10B $10B-$50B >$50B $1B-$10B $10B-$50B <$1B <$1B <$1B <$1B <$1B $1B-$10B LSBL $ (1,000) (4) 58,460 134,033 55,457 97,613 18,653 50,866 83,882 16,978 48,083 11,832 11,388 21,210 52,504 63,947 413,362 57,568 297,034 221,172 468,152 46,082 143,489 122,007 33,458 35,198 140,903 86,785 28,583 147,626 121,209 78,453 72,900 18,548 81,570 70,203 137,908 42,648 16,924 86,761 65,665 13,247 43,291 73,686 25,945 30,477 826,385 LSBL # (5) 1,041 1,035 976 1,377 4,799 842 723 787 607 2,243 1,470 501 464 410 2,969 8,700 2,927 2,944 2,268 9,388 1,622 1,381 3,568 1,175 4,687 1,512 7,891 1,043 823 931 736 2,656 923 711 775 635 870 654 491 1,791 412 531 447 381 5,433 LSBL(2)$ (1,000) (6) 37,576 113,159 35,818 78,514 0 32,477 65,989 350 35,852 147 0 10,550 41,909 53,828 344,297 466 241,086 165,761 413,244 350 98,125 86,949 0 1,785 111,460 57,466 0 120,602 98,370 59,446 54,195 250 63,628 52,415 120,387 25,633 375 71,063 51,633 0 31,101 62,285 15,726 20,368 688,663 LSBL(2)# (7) 137 278 131 207 0 113 220 1 113 1 0 41 115 144 943 3 649 521 1,161 1 291 314 0 16 293 214 0 366 297 215 201 1 190 171 386 70 2 262 149 0 118 279 58 77 2,050 Central Of Kansas Inc. UMB Financial Corporation Community Bancorp Inc. Bank Of America Corporation GE Cap Fncl Kaw Valley Bancorp Inc. Valley View Bancshares Inc. J.P. Morgan Chase & Co. Manhattan Banking Corporation American Express Centurion B Pitney Bowes Bk Farmers Enterprises Inc. Gold Banc Corporation Inc. First Olathe Bancshares Inc KS MO KS NC UT KS KS NY KS UT UT KS KS KS NC DE OH MN OH NY PA KY UT CA IL KY UT KY KY KY IN UT KY KY KY OH NY KY TN UT KY KY KY KY LA Kentucky Bb&T Corporation MBNA Corporation National City Corporation U.S. Bancorp Fifth Third Bancorp Citigroup Inc. PNC Financial Services Group Community Trust Bancorp Inc Advanta Bk Corp Wells Fargo & Company Bank One Corporation Whitaker Bank Corporation Of GE Cap Fncl Central Bancshares Inc. Bank Of Kentucky Financial C Farmers Capital Bank Corporation Old National Bancorp American Express Centurion B Traditional Bancorporation First Southern Bancorp Inc. Republic Bancorp Inc. Huntington Bancshares Incorp J.P. Morgan Chase & Co. S. Y. Bancorp Inc. Union Planters Corporation Pitney Bowes Bk Paducah Bank Shares Inc. Lea M. Mcmullan Trust Kentucky Bancshares Inc. Independence Bancshares Inc Louisiana Whitney Holding Corporation Page 62 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 125,510 92,819 91,952 69,368 64,057 55,113 54,672 41,037 34,537 32,769 25,379 22,912 22,823 22,483 19,478 19,475 19,458 18,114 17,547 16,287 16,111 12,719 12,073 11,309 71,447 40,928 29,282 22,120 21,063 20,620 19,466 18,274 17,876 14,308 12,962 12,721 176,897 126,255 103,453 89,589 88,113 78,857 63,905 57,200 57,150 SSBL # (2) 3,536 2,786 12,542 7,510 1,651 11,462 1,800 1,466 3,795 9,127 740 4,057 806 784 536 549 935 650 537 2,340 664 483 743 457 1,836 6,753 1,547 620 734 610 490 592 3,723 1,634 457 497 4,744 19,796 2,425 2,786 18,813 4,305 2,617 2,576 1,467 Bk. Size (3) $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B <$1B <$1B <$1B <$1B <$1B <$1B $10B-$50B <$1B <$1B <$1B >$50B <$1B $10B-$50B >$50B $1B-$10B <$1B >$50B >$50B $1B-$10B <$1B >$50B $1B-$10B <$1B <$1B $10B-$50B >$50B >$50B >$50B >$50B >$50B >$50B >$50B >$50B LSBL $ (1,000) (4) 635,571 399,552 92,489 345,771 281,166 55,113 226,339 42,810 34,537 32,769 80,234 22,912 64,409 81,923 103,979 74,299 42,123 56,129 66,557 16,287 39,653 51,858 14,275 45,204 378,261 41,634 65,477 83,580 21,707 66,019 80,119 55,810 17,876 14,308 32,528 45,671 881,808 127,810 335,050 94,435 88,322 329,949 286,079 60,778 435,300 LSBL # (5) 5,100 3,742 12,544 8,267 2,335 11,462 2,400 1,482 3,795 9,127 925 4,057 959 997 817 738 1,018 770 705 2,340 751 600 749 577 2,775 6,757 1,642 842 740 745 680 730 3,723 1,634 549 617 6,848 19,804 3,076 2,825 18,815 5,013 3,240 2,589 2,468 LSBL(2)$ (1,000) (6) 510,061 306,733 537 276,403 217,109 0 171,667 1,773 0 0 54,855 0 41,586 59,440 84,501 54,824 22,665 38,015 49,010 0 23,542 39,139 2,202 33,895 306,814 706 36,195 61,460 644 45,399 60,653 37,536 0 0 19,566 32,950 704,911 1,555 231,597 4,846 209 251,092 222,174 3,578 378,150 LSBL(2)# (7) 1,564 956 2 757 684 0 600 16 0 0 185 0 153 213 281 189 83 120 168 0 87 117 6 120 939 4 95 222 6 135 190 138 0 0 92 120 2,104 8 651 39 2 708 623 13 1,001 Hibernia Corporation Regions Financial Corporation MBNA Corporation Bank One Corporation Amsouth Bancorporation Citigroup Inc. Hancock Holding Company Wells Fargo & Company Advanta Bk Corp GE Cap Fncl Iberiabank Corporation American Express Centurion B Cameron Bancshares Inc. Sabine Bancshares Inc. Parish National Bank First Guaranty Bk Evangeline Bancshares Inc. Midsouth Bancorp Inc. Bancorpsouth Inc. Pitney Bowes Bk Jeff Davis Bancshares Inc. CTB Financial Corporation J.P. Morgan Chase & Co. One American Corp. LA AL DE IL AL NY MS CA UT UT LA UT LA LA LA LA LA LA MS UT LA LA NY LA ME DE MA ME CA OH VT ME NY UT ME ME MD DE NC CA NY NC GA NY NC Maine Banknorth Group Inc. MBNA Corporation Fleetboston Financial Corporation Camden National Corporation Wells Fargo & Company Keycorp Chittenden Corporation Katahdin Bankshares Corporation Citigroup Inc. Advanta Bk Corp FSB Bancorp MHC First National Lincoln Corpo Maryland Mercantile Bankshares Corpor MBNA Corporation Wachovia Corporation Wells Fargo & Company Citigroup Inc. Bank Of America Corporation Suntrust Banks Inc. J.P. Morgan Chase & Co. BB&T Corporation Page 63 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 56,023 44,117 43,313 29,652 26,713 20,501 20,272 19,985 19,745 16,661 11,523 214,564 140,053 132,989 131,296 110,688 100,465 77,659 75,844 67,602 34,012 30,902 29,992 26,692 21,792 20,823 19,850 15,312 13,649 11,370 249,121 192,653 190,023 161,932 137,469 123,853 122,584 107,381 102,489 96,832 80,047 78,901 77,144 72,405 63,139 SSBL # (2) 6,319 1,103 9,619 8,238 671 727 3,008 419 6,521 1,496 1,802 13,237 21,833 3,986 25,058 3,672 4,300 13,266 8,406 1,804 4,003 986 770 6,675 530 3,555 6,786 370 1,407 476 5,082 27,606 6,841 2,860 29,584 3,388 4,995 12,835 2,451 10,917 1,855 1,695 2,086 1,595 16,939 Bk. Size (3) $1B-$10B >$50B $10B-$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B $1B-$10B $10B-$50B <$1B $1B-$10B <$1B $1B-$10B $1B-$10B $1B-$10B >$50B <$1B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B LSBL $ (1,000) (4) 56,023 250,725 43,443 30,402 146,719 76,235 20,272 176,353 19,895 24,517 12,523 392,952 140,839 680,248 133,177 116,491 106,590 78,331 75,844 464,841 34,012 79,120 141,952 27,517 142,813 30,487 22,410 79,620 20,329 63,266 1,924,826 194,844 227,294 1,963,286 137,469 353,215 677,546 618,666 711,498 96,832 485,341 689,000 344,495 396,639 64,339 LSBL # (5) 6,319 1,717 9,620 8,239 1,008 897 3,008 863 6,522 1,527 1,803 13,674 21,836 5,333 25,063 3,719 4,321 13,269 8,406 2,897 4,003 1,149 1,135 6,678 893 3,596 6,791 570 1,425 618 9,832 27,618 6,972 7,301 29,584 4,014 6,639 14,183 3,927 10,917 3,127 3,347 3,058 2,589 16,942 LSBL(2)$ (1,000) (6) 0 206,608 130 750 120,006 55,734 0 156,368 150 7,856 1,000 178,388 786 547,259 1,881 5,803 6,125 672 0 397,239 0 48,218 111,960 825 121,021 9,664 2,560 64,308 6,680 51,896 1,675,705 2,191 37,271 1,801,354 0 229,362 554,962 511,285 609,009 0 405,294 610,099 267,351 324,234 1,200 LSBL(2)# (7) 0 614 1 1 337 170 0 444 1 31 1 437 3 1,347 5 47 21 3 0 1,093 0 163 365 3 363 41 5 200 18 142 4,750 12 131 4,441 0 626 1,644 1,348 1,476 0 1,272 1,652 972 994 3 Advanta Bk Corp Manufacturers & Traders Tc American Express Centurion B GE Cap Fncl Susquehanna Bancshares Inc. Shore Bancshares Inc. Pitney Bowes Bk Sandy Spring Bancorp Inc. Bank One Corporation U.S. Bancorp Fleetboston Financial Corporation UT NY UT UT PA MD UT MD IL MN MA MA DE MA NY CA NY UT UT ME UT MA MA UT VT NY IL MA MN PA OH DE CA MI NY OH OH IL IL UT MI MI MI MI UT Massachusetts Fleetboston Financial Corporation MBNA Corporation Citizens Bk Of MA Citigroup Inc. Wells Fargo & Company J.P. Morgan Chase & Co. American Express Centurion B Advanta Bk Corp Banknorth Group Inc. Pitney Bowes Bk Independent Bank Corp. CCBT Financial Companies In GE Cap Fncl Chittenden Corporation Atlantic Bk Of NY Bank One Corporation Enterprise Bancorp Inc. U.S. Bancorp Mellon Financial Corporation Michigan Fifth Third Bancorp MBNA Corporation Wells Fargo & Company Comerica Incorporated Citigroup Inc. Huntington Bancshares Incorp National City Corporation Bank One Corporation Lasalle Bk Na Advanta Bk Corp Capitol Bancorp Ltd. Citizens Banking Corporation Chemical Financial Corporation Macatawa Bank Corporation GE Cap Fncl Page 64 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 56,147 49,352 45,561 37,935 37,609 37,258 19,831 19,554 16,837 14,674 13,007 12,793 12,440 12,265 10,992 403,766 182,513 93,862 84,008 70,966 61,134 54,984 49,037 30,402 29,945 24,518 22,432 18,747 17,271 16,656 15,037 14,770 14,679 13,887 13,465 13,104 11,003 10,735 147,250 113,159 108,635 59,733 55,839 53,218 50,300 SSBL # (2) 7,029 2,776 10,154 921 729 4,954 2,826 486 471 322 342 395 306 219 232 17,216 15,039 12,515 2,109 3,042 11,397 5,915 1,135 7,005 899 858 440 2,603 3,456 398 345 389 5,030 292 310 535 1,642 326 4,751 3,216 4,308 2,119 1,821 1,829 2,132 Bk. Size (3) >$50B >$50B $10B-$50B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B <$1B <$1B <$1B $1B-$10B $10B-$50B $1B-$10B <$1B >$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B <$1B $10B-$50B <$1B <$1B <$1B >$50B <$1B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B LSBL $ (1,000) (4) 71,633 50,802 46,093 138,335 386,040 37,258 21,331 81,747 84,721 119,653 44,500 55,706 78,912 158,480 61,172 925,198 744,220 93,977 454,148 70,966 61,495 54,984 311,281 30,402 113,158 90,076 286,723 18,747 17,271 90,076 90,427 109,166 16,170 114,728 126,959 37,336 12,003 54,715 513,538 331,826 340,024 175,120 202,832 170,756 113,493 LSBL # (5) 7,079 2,780 10,156 1,310 1,654 4,954 2,828 709 688 609 454 539 480 628 368 18,807 16,512 12,516 3,240 3,042 11,400 5,915 1,873 7,005 1,185 1,085 1,058 2,603 3,456 618 578 653 5,034 535 695 605 1,643 452 5,861 3,893 5,100 2,536 2,339 2,258 2,387 LSBL(2)$ (1,000) (6) 15,486 1,450 532 100,400 348,431 0 1,500 62,193 67,884 104,979 31,493 42,913 66,472 146,215 50,180 521,432 561,707 115 370,140 0 361 0 262,244 0 83,213 65,558 264,291 0 0 73,420 75,390 94,396 1,491 100,841 113,494 24,232 1,000 43,980 366,288 218,667 231,389 115,387 146,993 117,538 63,193 LSBL(2)# (7) 50 4 2 389 925 0 2 223 217 287 112 144 174 409 136 1,591 1,473 1 1,131 0 3 0 738 0 286 227 618 0 0 220 233 264 4 243 385 70 1 126 1,110 677 792 417 518 429 255 U.S. Bancorp J.P. Morgan Chase & Co. American Express Centurion B Independent Bank Corporation Mercantile Bank Corporation Pitney Bowes Bk Fleetboston Financial Corporation IBT Bancorp Inc. FNBH Bancorp Inc. O.A.K. Financial Corporation Southern Michigan Bancorp I MBT Financial Corp. Charter One Financial Inc. Republic Bancorp Inc. United Community Financial C MN NY UT MI MI UT MA MI MI MI MI MI OH MI MI CA MN DE MN NY NY UT WI UT MN ND WI UT UT MN MN MN IL MN MN MN MA MN MS AL MS MS MS MS MS Minnesota Wells Fargo & Company U.S. Bancorp MBNA Corporation Otto Bremer Foundation J.P. Morgan Chase & Co. Citigroup Inc. Advanta Bk Corp Associated Banc-Corp GE Cap Fncl Klein Financial Inc. Community First Bankshares Marshall & Ilsley Corporatio Pitney Bowes Bk American Express Centurion B First National Financial Ser Western Bancshares Inc. Alliance Financial Services Bank One Corporation Fidelity Bancshares Inc. Premier Bk First National Bank Of Bemid Fleetboston Financial Corporation Stearns Financial Services Mississippi Trustmark Corporation Amsouth Bancorporation Bancorpsouth Inc. Community Bancshares Of Miss Peoples Holding Company The Hancock Holding Company Citizens Holding Company Page 65 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 49,163 45,377 44,196 43,818 38,106 28,776 28,609 24,485 23,434 22,170 18,330 17,922 17,494 14,678 14,137 13,110 11,846 10,289 182,269 167,427 118,826 107,253 90,187 63,766 60,716 50,248 47,926 44,565 38,947 33,978 31,016 24,031 21,983 21,642 21,371 20,116 20,086 19,564 17,854 17,164 14,887 14,360 14,297 13,980 13,920 13,503 SSBL # (2) 2,280 1,286 5,975 1,971 1,893 1,278 1,190 1,241 4,993 742 664 1,938 728 4,068 643 447 411 328 6,185 5,916 3,907 14,548 18,260 2,267 6,542 1,399 2,159 2,671 10,620 943 1,094 621 4,431 433 744 386 2,743 792 513 411 346 406 461 4,702 597 524 Bk. Size (3) $1B-$10B $10B-$50B >$50B $1B-$10B $1B-$10B <$1B <$1B <$1B >$50B >$50B <$1B $1B-$10B <$1B $1B-$10B <$1B <$1B <$1B <$1B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B $1B-$10B <$1B >$50B >$50B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B <$1B $10B-$50B <$1B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B <$1B >$50B <$1B $1B-$10B LSBL $ (1,000) (4) 154,907 197,896 44,300 116,719 97,328 80,132 62,072 68,707 23,630 22,521 69,833 17,922 44,282 14,678 36,396 62,996 31,754 35,087 702,449 721,413 557,968 107,811 91,186 67,068 60,716 253,746 49,128 232,039 39,397 207,016 181,775 135,474 22,133 177,194 42,842 202,451 20,086 67,648 87,964 113,311 59,155 92,916 43,074 14,365 44,871 41,277 LSBL # (5) 2,643 1,751 5,976 2,239 2,100 1,460 1,321 1,398 4,994 745 843 1,938 820 4,068 728 609 495 424 7,929 7,641 5,152 14,551 18,263 2,287 6,542 1,984 2,164 3,130 10,621 1,425 1,491 963 4,432 851 830 845 2,743 950 748 690 533 624 573 4,703 692 627 LSBL(2)$ (1,000) (6) 105,744 152,519 104 72,901 59,222 51,356 33,463 44,222 196 351 51,503 0 26,788 0 22,259 49,886 19,908 24,798 520,180 553,986 439,142 558 999 3,302 0 203,498 1,202 187,474 450 173,038 150,759 111,443 150 155,552 21,471 182,335 0 48,084 70,110 96,147 44,268 78,556 28,777 385 30,951 27,774 LSBL(2)# (7) 363 465 1 268 207 182 131 157 1 3 179 0 92 0 85 162 84 96 1,744 1,725 1,245 3 3 20 0 585 5 459 1 482 397 342 1 418 86 459 0 158 235 279 187 218 112 1 95 103 Bancplus Corporation Union Planters Corporation MBNA Corporation First M & F Corporation NBC Capital Corporation State Bank & Trust Company E Planters Holding Company Bankfirst Capital Corporation Citigroup Inc. Wells Fargo & Company Citizens National Banc Corp. Advanta Bk Corp Merchants & Marine Bk GE Cap Fncl First State Corporation Peoples Financial Corporation Bank Of New Albany Britton & Koontz Capital Corporation MS TN DE MS MS MS MS MS NY CA MS UT MS UT MS MS MS MS MO MN MO DE NY CA UT MO NY NC UT TN MO MO UT MO MO WI UT MO KS MO MO MO MO IL MO MO Missouri Central Bancompany U.S. Bancorp Commerce Bancshares Inc. MBNA Corporation Citigroup Inc. Wells Fargo & Company Advanta Bk Corp Allegiant Bancorp Inc. J.P. Morgan Chase & Co. Bank Of America Corporation GE Cap Fncl Union Planters Corporation UMB Financial Corporation First Banks Inc. American Express Centurion B Enterprise Financial Service Southwest Missouri Bancorpor Marshall & Ilsley Corporation Pitney Bowes Bk Dickinson Financial Corporation Valley View Bancshares Inc. Montgomery Bancorporation I Exchange National Bancshares Great Southern Bancorp Inc. First State Bancshares Inc. Bank One Corporation Liberty Bancshares Inc Citizens Bancshares Co. Page 66 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 13,031 12,440 12,189 11,944 10,413 10,323 10,029 67,407 65,694 41,615 33,719 24,942 19,443 17,639 15,595 15,188 14,778 14,619 12,360 83,895 76,679 66,033 38,635 33,643 24,994 24,460 23,164 23,133 19,163 17,723 15,120 12,736 11,662 11,385 11,304 10,325 10,113 178,571 41,308 34,799 30,209 28,320 27,732 21,950 SSBL # (2) 519 829 1,729 476 294 275 287 2,142 2,821 1,205 4,255 849 671 533 4,370 1,594 962 3,027 482 3,849 3,240 2,967 5,000 1,830 547 667 5,124 2,264 658 697 475 312 433 639 2,752 479 485 9,580 1,160 7,363 4,131 2,125 548 5,765 Bk. Size (3) <$1B <$1B $1B-$10B <$1B $1B-$10B <$1B <$1B $1B-$10B >$50B $1B-$10B >$50B <$1B <$1B <$1B $10B-$50B $1B-$10B >$50B >$50B <$1B >$50B $10B-$50B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B <$1B <$1B $1B-$10B <$1B <$1B >$50B $1B-$10B <$1B <$1B >$50B $10B-$50B >$50B >$50B >$50B $1B-$10B $10B-$50B LSBL $ (1,000) (4) 47,761 25,866 13,803 36,686 59,892 65,759 54,914 217,703 123,227 158,080 33,719 88,370 59,255 79,602 16,403 15,188 75,201 14,619 44,605 187,686 347,715 199,995 38,759 173,553 88,069 131,250 23,401 23,133 56,894 34,230 73,135 70,356 32,391 11,385 11,304 31,959 43,430 261,369 282,226 35,042 30,363 75,744 164,881 22,885 LSBL # (5) 642 886 1,731 559 441 434 416 2,658 3,000 1,622 4,255 1,076 814 731 4,373 1,594 1,119 3,027 594 4,173 4,002 3,446 5,001 2,190 738 1,008 5,126 2,264 781 772 667 478 503 639 2,752 553 576 9,836 1,791 7,365 4,132 2,246 919 5,767 LSBL(2)$ (1,000) (6) 34,730 13,426 1,614 24,742 49,479 55,436 44,885 150,296 57,533 116,465 0 63,428 39,812 61,963 808 0 60,423 0 32,245 103,791 271,036 133,962 124 139,910 63,075 106,790 237 0 37,731 16,507 58,015 57,620 20,729 0 0 21,634 33,317 82,798 240,918 243 154 47,424 137,149 935 LSBL(2)# (7) 123 57 2 83 147 159 129 516 179 417 0 227 143 198 3 0 157 0 112 324 762 479 1 360 191 341 2 0 123 75 192 166 70 0 0 74 91 256 631 2 1 121 371 2 Nodaway Valley Bancshares I Wood & Huston Bancorporation Fleetboston Financial Corporation Mid-Missouri Bancshares Inc Arvest Bank Group Inc. Cardinal Bancorp Inc. Southern Bancshares Corp. MO MO MA MO AR MO MO MT CA MT DE MT MT MT UT UT MN NY MT CA NE NE DE MN NE NE NY UT NE NE NE NE NE NY UT SD NE CA UT NY DE NC NV UT Montana First Interstate Bancsystem Wells Fargo & Company Glacier Bancorp Inc. MBNA Corporation Stockman Financial Corporation Inter-Mountain Bancorp. Inc Mountain West Financial Corp American Express Centurion B Advanta Bk Corp U.S. Bancorp Citigroup Inc. Rocky Mountain Bancorporation Nebraska Wells Fargo & Company Lauritzen Corporation Pinnacle Bancorp Inc. MBNA Corporation U.S. Bancorp Farmers & Merchants Investme Great Western Bancorporation Citigroup Inc. Advanta Bk Corp Hometown Banc Corp United Nebraska Financial Co American National Corporatio Security National Corporatio Adbanc Inc. J.P. Morgan Chase & Co. GE Cap Fncl Stockmens Financial Corporation First York Ban Corp. Nevada Wells Fargo & Company Zions Bancorporation Citigroup Inc. MBNA Corporation Bank Of America Corporation Western Alliance Bancorporation American Express Centurion B Page 67 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 21,421 18,210 16,685 13,275 11,389 62,808 43,862 34,486 31,634 28,068 22,535 18,409 16,334 12,609 10,478 352,403 338,042 273,095 272,379 173,398 149,270 139,957 112,970 105,599 69,853 62,606 45,808 41,352 37,609 36,471 26,477 25,882 21,832 19,428 18,175 15,569 14,564 14,188 12,596 11,643 179,355 45,474 32,359 30,309 SSBL # (2) 2,568 662 1,098 3,702 214 1,780 1,441 6,041 2,000 5,722 542 2,188 773 1,922 629 8,155 12,873 8,080 17,340 27,950 4,570 29,382 22,367 11,709 8,633 1,640 12,218 5,425 798 1,197 584 8,745 485 362 1,821 550 297 311 301 238 6,992 4,927 1,001 5,797 Bk. Size (3) $1B-$10B >$50B >$50B $1B-$10B $1B-$10B $10B-$50B >$50B >$50B $1B-$10B >$50B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B >$50B >$50B >$50B $1B-$10B >$50B >$50B >$50B $10B-$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B <$1B $10B-$50B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B >$50B <$1B $1B-$10B <$1B <$1B $1B-$10B >$50B >$50B $1B-$10B >$50B LSBL $ (1,000) (4) 21,421 18,934 111,502 13,275 73,003 381,542 45,216 34,486 68,908 28,068 131,313 18,409 16,609 12,734 11,159 1,384,712 413,682 646,417 523,316 177,684 156,601 162,443 113,570 105,599 105,303 409,404 46,183 41,352 342,859 61,370 166,341 28,410 146,557 161,251 27,344 24,666 95,750 63,755 104,269 84,390 292,625 45,687 196,278 30,509 LSBL # (5) 2,568 666 1,319 3,702 408 2,747 1,452 6,041 2,088 5,722 879 2,188 775 1,923 635 10,929 13,204 9,098 17,979 27,967 4,627 29,444 22,370 11,709 8,769 2,623 12,220 5,425 1,536 1,275 1,006 8,751 807 792 1,857 580 545 454 560 427 7,373 4,929 1,467 5,798 LSBL(2)$ (1,000) (6) 0 724 94,817 0 61,614 318,734 1,354 0 37,274 0 108,778 0 275 125 681 1,032,309 75,640 373,322 250,937 4,286 7,331 22,486 600 0 35,450 346,798 375 0 305,250 24,899 139,864 2,528 124,725 141,823 9,169 9,097 81,186 49,567 91,673 72,747 113,270 213 163,919 200 LSBL(2)# (7) 0 4 221 0 194 967 11 0 88 0 337 0 2 1 6 2,774 331 1,018 639 17 57 62 3 0 136 983 2 0 738 78 422 6 322 430 36 30 248 143 259 189 381 2 466 1 Advanta Bk Corp J.P. Morgan Chase & Co. U.S. Bancorp GE Cap Fncl Capitol Bancorp Ltd. UT NY MN UT MI ME CA DE MA NY VT UT NY UT MN NC NY PA MA DE CA NY UT UT NY NJ UT UT NJ NY PA IL NJ NJ MN NJ NJ NJ NJ NJ CA DE NM NY New Hampshire Banknorth Group Inc. Wells Fargo & Company MBNA Corporation Fleetboston Financial Corpor Citigroup Inc. Chittenden Corporation Advanta Bk Corp J.P. Morgan Chase & Co. American Express Centurion B U.S. Bancorp New Jersey Wachovia Corporation J.P. Morgan Chase & Co. PNC Financial Services Group Fleetboston Financial Corporation MBNA Corporation Wells Fargo & Company Citigroup Inc. American Express Centurion B Advanta Bk Corp Atlantic Bk Of Ny Commerce Bancorp Inc. GE Cap Fncl Pitney Bowes Bk Valley National Bancorp Bank Of New York Company In Fulton Financial Corporation Bank One Corporation Sun Bancorp Inc Yardville National Bancorp U.S. Bancorp Trust Co Of NJ Lakeland Bancorp Inc. Minotola Nb United National Bancorp Hudson United Bancorp New Mexico Wells Fargo & Company MBNA Corporation First State Bancorporation Citigroup Inc. Page 68 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 23,441 19,901 18,954 15,633 14,217 12,511 12,414 11,149 10,756 10,756 1,786,669 581,626 380,514 369,597 350,549 303,600 280,016 225,365 197,961 194,901 115,116 77,316 72,026 70,835 60,429 57,481 50,205 48,917 43,324 37,631 29,980 29,245 22,524 20,989 20,615 20,206 17,822 17,348 15,998 15,410 14,170 12,564 12,307 12,236 10,319 10,122 SSBL # (2) 564 1,136 2,152 405 391 326 3,128 204 2,977 245 56,089 74,163 21,578 9,965 8,336 9,450 42,149 40,377 4,979 22,132 4,153 10,123 2,066 18,415 6,666 1,699 1,235 1,435 14,104 1,231 832 668 650 718 648 518 567 328 357 358 214 1,431 1,331 366 316 213 Bk. Size (3) $1B-$10B >$50B $1B-$10B <$1B <$1B $1B-$10B $10B-$50B $10B-$50B $1B-$10B $1B-$10B >$50B >$50B $1B-$10B >$50B $10B-$50B >$50B >$50B $10B-$50B >$50B $1B-$10B >$50B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B >$50B >$50B $1B-$10B $1B-$10B $10B-$50B $10B-$50B $1B-$10B <$1B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B >$50B $10B-$50B <$1B $1B-$10B LSBL $ (1,000) (4) 130,765 66,870 18,954 56,078 43,326 80,663 12,614 82,506 10,869 35,817 2,718,914 1,247,309 637,219 1,219,705 928,776 322,367 282,755 228,754 1,242,198 194,901 273,850 77,316 228,810 71,010 136,352 191,885 228,995 207,744 46,339 88,465 116,486 175,001 101,370 72,965 80,882 55,970 57,673 227,212 100,813 70,782 94,973 17,866 31,467 98,991 40,854 43,011 LSBL # (5) 884 1,271 2,152 556 508 534 3,129 382 2,978 368 59,736 76,102 22,208 12,239 9,880 9,589 42,163 40,396 7,786 22,132 4,562 10,123 2,579 18,416 6,906 2,149 1,652 1,898 14,112 1,445 1,115 1,117 882 867 848 641 724 854 591 514 452 1,445 1,370 577 423 323 LSBL(2)$ (1,000) (6) 107,324 46,969 0 40,445 29,109 68,152 200 71,357 113 25,061 932,245 665,683 256,705 850,108 578,227 18,767 2,739 3,389 1,044,237 0 158,734 0 156,784 175 75,923 134,404 178,790 158,827 3,015 50,834 86,506 145,756 78,846 51,976 60,267 35,764 39,851 209,864 84,815 55,372 80,803 5,302 19,160 86,755 30,535 32,889 LSBL(2)# (7) 320 135 0 151 117 208 1 178 1 123 3,647 1,939 630 2,274 1,544 139 14 19 2,807 0 409 0 513 1 240 450 417 463 8 214 283 449 232 149 200 123 157 526 234 156 238 14 39 211 107 110 Heartland Financial Usa Inc Bank Of America Corporation Advanta Bk Corp First Artesia Bancshares In Employee Stock Bonus Trust F Trinity Capital Corporation American Express Centurion B BOK Financial Corporation GE Cap Fncl Community First Bankshares IA NC UT NM NM NM UT OK UT ND NY NY MA NY NY CA DE UT NY UT NY UT NY UT NY NY NC OH IL NY NY OH ME NY NY NY NY NY NY NY CA MN NC NJ NY NY New York J.P. Morgan Chase & Co. Citigroup Inc. Fleetboston Financial Corporation HSBC Bk USA North Fork Bancorporation I Wells Fargo & Company MBNA Corporation American Express Centurion B Manufacturers & Traders Tc Advanta Bk Corp Bank Of New York Company In Pitney Bowes Bk Financial Institutions Inc. GE Cap Fncl Atlantic Bk Of NY NBT Bancorp Inc. Wachovia Corporation Keycorp Bank One Corporation Community Bank System Inc. Tompkins Trustco Inc. Charter One Financial Inc. Banknorth Group Inc. Arrow Financial Corporation Canandaigua National Corporation Solvay Bank Corp. Adirondack Tc State Bancorp Inc. BSB Bancorp Inc. Suffolk Bancorp Nara Bancorp Inc. U.S. Bancorp Bank Of America Corporation Commerce Bancorp Inc. Alliance Financial Corporation Signature Bk Page 69 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) SSBL # (2) Bk. Size (3) LSBL $ (1,000) (4) LSBL # (5) LSBL(2)$ (1,000) (6) LSBL(2)# (7) North Carolina BB&T Corporation First Citizens Bancshares I MBNA Corporation Wachovia Corporation Citigroup Inc. Wells Fargo & Company National Commerce Financial RBC Centura Bk Bank Of America Corporation GE Cap Fncl Advanta Bk Corp J.P. Morgan Chase & Co. First Bancorp Fidelity Bancshares (N.C.) Southern Bancshares (N.C.) American Express Centurion B Pitney Bowes Bk Bank Of Granite Corporation LSB Bancshares Inc. Southtrust Corporation First Charter Corporation Yadkin Valley B&TC Four Oaks Fincorp Inc. FNB Corp. ECB Bancorp Inc. Bank One Corporation FNB Financial Services Corpo United Community Banks Inc. Fleetboston Financial Corporation Peoples Bancorp Of North Carolina First Nb Of Shelby Southern Community Financial High Point Bank Corporation U.S. Bancorp Regions Financial Corporation Capital Bank Corporation First South Bancorp Inc. NC NC DE NC NY CA TN NC NC UT UT NY NC NC NC UT UT NC NC AL NC NC NC NC NC IL NC GA MA NC NC NC NC MN AL NC NC CA ND ND MN DE ND MN ND 630,901 308,011 264,259 233,169 115,658 87,317 86,059 70,076 67,521 66,997 65,503 59,024 47,947 42,219 38,003 37,597 35,000 33,127 31,937 30,028 24,308 24,060 19,894 19,733 19,381 17,028 16,409 16,401 15,375 15,004 14,809 14,015 12,510 12,466 11,325 10,852 10,481 54,962 24,838 22,919 22,521 17,450 13,841 13,721 13,120 18,401 11,255 32,151 5,503 24,832 3,038 3,190 1,822 4,412 19,451 7,195 2,659 1,708 1,235 1,250 7,048 4,869 1,112 746 739 621 670 799 490 563 5,873 319 556 2,140 444 449 309 367 974 284 273 181 2,013 631 787 676 2,062 507 1,414 318 >$50B $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B $10B-$50B <$1B <$1B <$1B >$50B $1B-$10B <$1B <$1B <$1B <$1B >$50B <$1B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B <$1B >$50B $10B-$50B <$1B <$1B >$50B $1B-$10B <$1B $1B-$10B >$50B <$1B >$50B <$1B 3,065,316 1,268,873 276,563 1,510,933 117,121 91,560 403,348 431,410 348,636 66,997 65,503 63,389 166,355 204,342 143,747 37,797 35,000 126,470 130,203 188,121 132,020 118,252 56,750 79,795 109,627 22,827 114,714 51,353 16,095 54,157 65,399 84,568 55,852 19,961 75,970 68,882 73,232 155,051 147,871 83,490 105,208 17,450 44,430 56,880 83,039 25,289 14,260 32,198 8,711 24,840 3,070 4,179 2,859 5,121 19,451 7,195 2,673 2,120 1,788 1,619 7,049 4,869 1,439 1,055 1,199 960 981 922 689 853 5,887 745 678 2,141 579 631 534 500 1,003 463 451 414 2,326 961 1,019 921 2,062 606 1,517 506 2,434,415 960,862 12,304 1,277,764 1,463 4,243 317,289 361,334 281,115 0 0 4,365 118,408 162,123 105,744 200 0 93,343 98,266 158,093 107,712 94,192 36,856 60,062 90,246 5,799 98,305 34,952 720 39,153 50,590 70,553 43,342 7,495 64,645 58,030 62,751 100,089 123,033 60,571 82,687 0 30,589 43,159 69,919 6,888 3,005 47 3,208 8 32 989 1,037 709 0 0 14 412 553 369 1 0 327 309 460 339 311 123 199 290 14 426 122 1 135 182 225 133 29 179 178 233 313 330 232 245 0 99 103 188 North Dakota Wells Fargo & Company State Bankshares Inc. Watford City Bancshares Inc Otto Bremer Foundation MBNA Corporation First Southwest Bancorporation U.S. Bancorp Alerus Financial Corporation Page 70 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) SSBL # (2) Bk. Size (3) LSBL $ (1,000) (4) LSBL # (5) LSBL(2)$ (1,000) (6) LSBL(2)# (7) Ohio Huntington Bancshares Incorp Fifth Third Bancorp MBNA Corporation National City Corporation Wells Fargo & Company Citigroup Inc. U.S. Bancorp Bank One Corporation Park National Corporation Advanta Bk Corp J.P. Morgan Chase & Co. GE Cap Fncl Keycorp Firstmerit Corporation Sky Financial Group Inc. American Express Centurion B Pitney Bowes Bk PNC Financial Services Group First Financial Bancorp Unizan Financial Corp. Killbuck Bancshares Inc. Fleetboston Financial Corporation First Merchants Corporation Farmers & Merchants Bancorp Oak Hill Financial Inc. Charter One Financial Inc. Provident Financial Group I Second Bancorp Incorporated NB&T Financial Group Inc. E Wayne Bancorp Inc. Citizens Nb Wesbanco Inc. OH OH DE OH CA NY MN IL OH UT NY UT OH OH OH UT UT PA OH OH OH MA IN OH OH OH OH OH OH OH OH WV OK AR DE NY OK CA UT TX NY OK OK UT KS 245,248 233,445 189,212 182,267 180,371 156,266 133,783 128,945 116,611 99,667 92,633 86,772 79,034 75,705 66,474 53,331 41,299 36,062 23,486 20,121 19,847 19,655 18,784 18,715 17,732 16,012 14,643 13,130 12,240 10,597 10,375 10,095 99,339 85,379 64,421 61,056 42,338 41,460 35,431 30,228 29,984 28,429 26,873 25,242 21,943 6,811 4,531 24,555 7,904 6,047 33,434 7,054 15,558 3,278 10,639 4,690 23,389 2,150 1,375 1,623 8,357 5,579 1,048 709 447 689 2,757 512 676 405 353 303 221 366 300 275 365 3,877 3,104 7,734 13,168 868 1,482 3,850 742 1,300 1,083 543 7,009 673 $10B-$50B >$50B >$50B >$50B >$50B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B >$50B $10B-$50B $10B-$50B $10B-$50B <$1B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B <$1B $10B-$50B $10B-$50B $1B-$10B <$1B <$1B <$1B $1B-$10B $1B-$10B $1B-$10B >$50B >$50B $10B-$50B >$50B $1B-$10B $1B-$10B >$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B 746,871 1,975,948 191,983 902,011 191,943 156,969 599,968 569,240 477,590 99,667 98,161 87,632 323,970 574,318 373,562 54,506 41,299 142,350 128,483 168,694 55,898 21,505 110,262 51,464 113,870 101,284 182,119 93,464 33,058 61,322 52,298 42,157 328,793 291,593 64,421 61,206 360,129 45,086 35,431 179,224 32,409 78,017 156,453 25,242 130,338 8,220 9,313 24,569 9,986 6,124 33,439 8,399 16,767 4,475 10,639 4,709 23,391 2,857 2,745 2,557 8,362 5,579 1,330 1,038 896 814 2,760 778 781 721 618 743 457 444 451 396 462 4,640 3,778 7,734 13,169 1,761 1,501 3,850 1,177 1,306 1,257 917 7,009 1,026 501,623 1,742,503 2,771 719,744 11,572 703 466,185 440,295 360,979 0 5,528 860 244,936 498,613 307,088 1,175 0 106,288 104,997 148,573 36,051 1,850 91,478 32,749 96,138 85,272 167,476 80,334 20,818 50,725 41,923 32,062 229,454 206,214 0 150 317,791 3,626 0 148,996 2,425 49,588 129,580 0 108,395 1,409 4,782 14 2,082 77 5 1,345 1,209 1,197 0 19 2 707 1,370 934 5 0 282 329 449 125 3 266 105 316 265 440 236 78 151 121 97 763 674 0 1 893 19 0 435 6 174 374 0 353 Oklahoma Bancfirst Corporation Arvest Bank Group Inc. MBNA Corporation Citigroup Inc. BOK Financial Corporation Wells Fargo & Company Advanta Bk Corp One Rich Hill Mining L.L.C. J.P. Morgan Chase & Co. Durant Bancorp Inc. Southwest Bancorp Inc. GE Cap Fncl Gold Banc Corporation Inc. Page 71 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 21,173 19,733 16,974 15,966 15,586 15,520 14,388 12,798 12,693 11,687 11,659 11,447 10,729 372,653 91,944 80,021 72,230 58,260 42,926 41,142 34,227 29,222 22,912 22,742 19,303 19,028 18,919 18,142 15,761 14,060 13,712 12,057 10,843 10,488 431,298 297,456 261,154 163,344 137,878 119,948 114,764 107,269 103,074 100,206 88,162 SSBL # (2) 3,708 736 524 405 1,119 500 2,550 656 397 524 488 1,670 426 15,057 5,900 8,557 1,680 11,043 4,754 2,835 12,511 829 583 684 428 421 585 890 391 4,345 1,900 3,135 252 1,504 12,278 6,916 43,759 34,564 4,672 13,062 4,083 2,575 6,411 4,523 1,987 Bk. Size (3) >$50B <$1B <$1B <$1B >$50B <$1B $10B-$50B <$1B <$1B <$1B <$1B <$1B <$1B >$50B >$50B >$50B $1B-$10B >$50B $1B-$10B >$50B $10B-$50B >$50B <$1B <$1B $1B-$10B <$1B $10B-$50B >$50B <$1B >$50B <$1B $1B-$10B <$1B $1B-$10B >$50B >$50B >$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B >$50B $10B-$50B LSBL $ (1,000) (4) 40,681 62,992 77,154 122,053 51,809 60,429 14,388 21,097 27,595 27,784 35,594 11,447 43,927 564,920 634,574 80,021 487,459 59,111 42,926 120,828 34,880 148,234 97,398 117,088 140,303 95,835 119,860 19,186 78,522 15,766 13,712 12,277 50,459 10,488 1,325,384 1,480,885 267,617 163,700 143,994 119,948 394,608 550,180 178,873 106,834 549,578 LSBL # (5) 3,770 885 714 694 1,207 642 2,550 700 462 589 571 1,670 526 15,664 7,282 8,557 2,974 11,046 4,754 3,031 12,514 1,136 827 975 797 681 818 895 578 4,348 1,900 3,136 389 1,504 14,722 9,960 43,786 34,566 4,716 13,062 5,082 3,879 6,573 4,546 3,324 LSBL(2)$ (1,000) (6) 19,508 43,259 60,180 106,087 36,223 44,909 0 8,299 14,902 16,097 23,935 0 33,198 192,267 542,630 0 415,229 851 0 79,686 653 119,012 74,486 94,346 121,000 76,807 100,941 1,044 62,761 1,706 0 220 39,616 0 894,086 1,183,429 6,463 356 6,116 0 279,844 442,911 75,799 6,628 461,416 LSBL(2)# (7) 62 149 190 289 88 142 0 44 65 65 83 0 100 607 1,382 0 1,294 3 0 196 3 307 244 291 369 260 233 5 187 3 0 1 137 0 2,444 3,044 27 2 44 0 999 1,304 162 23 1,337 Bank One Corporation Spirit Bankcorp Inc. Americrest Bancshares Inc. Local Financial Corporation Bank Of America Corporation First Fidelity Bancorp Inc. American Express Centurion B American Bancorporation Inc Central Service Corporation Landrum Company RCB Holding Company Inc. Pitney Bowes Bk Midstate Bancorp Inc. IL OK OK OK NC OK UT OK OK MO OK UT OK CA MN DE OR NY UT NC UT OH OR OR OR OR CA NY OR IL UT UT OR MA PA NC DE NY CA UT OH NY MA NY PA Oregon Wells Fargo & Company U.S. Bancorp MBNA Corporation Umpqua Holdings Corporation Citigroup Inc. Advanta Bk Corp Bank Of America Corporation American Express Centurion B Keycorp Columbia Bancorp Cascade Bancorp West Coast Bancorp Pacific Continental Corporation Bank Of The West J.P. Morgan Chase & Co. Premierwest Bancorp Bank One Corporation Pitney Bowes Bk GE Cap Fncl Liberty Financial Group Inc Fleetboston Financial Corporation Pennsylvania PNC Financial Services Group Wachovia Corporation MBNA Corporation Citigroup Inc. Wells Fargo & Company Advanta Bk Corp National City Corporation Manufacturers & Traders Tc Fleetboston Financial Corporation J.P. Morgan Chase & Co. Fulton Financial Corporation Page 72 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 78,484 69,797 64,291 57,171 48,250 47,190 43,469 31,617 26,031 23,904 21,962 21,758 21,010 19,920 19,758 19,158 18,522 17,394 17,256 17,044 16,669 16,448 16,070 16,026 15,385 14,680 13,830 13,809 12,728 10,486 10,450 10,256 59,375 36,053 20,594 18,601 18,127 18,001 11,310 10,962 166,738 106,786 86,555 77,908 71,509 SSBL # (2) 21,525 1,975 12,140 1,498 1,237 1,533 5,485 10,287 514 606 1,612 490 549 512 455 471 534 425 1,681 395 574 371 529 336 519 1,576 374 382 468 264 304 269 2,017 1,865 394 627 2,918 3,655 272 1,262 5,197 3,290 12,689 2,633 1,687 Bk. Size (3) $1B-$10B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B >$50B $1B-$10B <$1B >$50B $10B-$50B $10B-$50B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B >$50B $1B-$10B <$1B <$1B $10B-$50B $1B-$10B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B $1B-$10B <$1B $10B-$50B $1B-$10B $1B-$10B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B $1B-$10B >$50B LSBL $ (1,000) (4) 79,854 416,220 64,927 229,615 183,783 255,471 43,469 35,847 200,049 81,985 33,090 154,766 117,129 85,969 114,021 70,688 39,481 103,404 30,729 115,560 41,050 67,886 101,683 129,896 42,623 22,538 56,188 46,250 42,352 49,631 35,094 36,763 186,480 104,989 104,471 19,655 18,250 18,001 63,758 10,962 816,937 455,394 88,076 281,026 611,110 LSBL # (5) 21,528 2,882 12,143 2,075 1,679 2,128 5,485 10,296 1,008 754 1,661 878 833 731 739 652 624 685 1,710 681 667 526 760 674 627 1,612 525 491 554 408 395 379 2,393 2,051 663 636 2,919 3,655 442 1,262 7,058 4,382 12,696 3,352 3,071 LSBL(2)$ (1,000) (6) 1,370 346,423 636 172,444 135,533 208,281 0 4,230 174,018 58,081 11,128 133,008 96,119 66,049 94,263 51,530 20,959 86,010 13,473 98,516 24,381 51,438 85,613 113,870 27,238 7,858 42,358 32,441 29,624 39,145 24,644 26,507 127,105 68,936 83,877 1,054 123 0 52,448 0 650,199 348,608 1,521 203,118 539,601 LSBL(2)# (7) 3 907 3 577 442 595 0 9 494 148 49 388 284 219 284 181 90 260 29 286 93 155 231 338 108 36 151 109 86 144 91 110 376 186 269 9 1 0 170 0 1,861 1,092 7 719 1,384 GE Cap Fncl Susquehanna Bancshares Inc. American Express Centurion B F.N.B. Corporation First Commonwealth Financial S & T Bancorp Inc. Pitney Bowes Bk Bank One Corporation National Penn Bancshares In First National Community Ban U.S. Bancorp Commerce Bancorp Inc. Sky Financial Group Inc. Pennrock Financial Services Community Banks Inc. CNB Financial Corporation Citizens And Northern Corporation Sterling Financial Corporation Bank Of America Corporation Univest Corporation Of Penns Penns Woods Bancorp Inc. QNB Corp. Mellon Financial Corporation Pennsylvania Commerce Bancor Hibshman Trust For Ephrata N Atlantic Bk Of NY Omega Financial Corporation Fidelity D& D Bancorp Inc. Dimeco Inc Mid Penn Bancorp Inc. NBT Bancorp Inc. Honat Bancorp Inc. UT PA UT FL PA PA UT IL PA PA MN NJ OH PA PA PA PA PA NC PA PA PA PA PA PA NY PA PA PA PA NY PA MA MA RI CA DE NY RI UT NC GA DE SC NC Rhode Island Citizens Bk Of MA Fleetboston Financial Corporation Bancorp Rhode Island Inc. Wells Fargo & Company MBNA Corporation Citigroup Inc. Washington Trust Bancorp In Advanta Bk Corp South Carolina BB&T Corporation Synovus Financial Corp. MBNA Corporation First Citizens Bancorporation Wachovia Corporation Page 73 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 68,472 63,573 54,379 51,351 42,726 35,710 34,895 27,562 26,691 25,822 23,150 22,288 16,049 13,287 13,027 11,732 10,850 90,679 38,116 26,123 24,796 19,724 17,521 15,604 14,049 13,384 12,256 11,959 11,458 11,245 10,887 10,387 319,593 158,772 102,087 85,405 75,995 74,831 53,332 49,531 48,915 47,998 40,749 38,623 34,461 SSBL # (2) 2,693 2,004 1,425 2,579 9,910 1,276 1,207 8,097 2,966 694 3,824 1,149 2,258 329 426 705 274 3,277 1,604 749 751 945 1,964 699 508 491 451 379 1,163 379 398 361 8,416 3,883 3,532 12,167 15,635 2,522 1,441 1,598 3,001 1,637 11,709 4,359 1,879 Bk. Size (3) <$1B $10B-$50B $1B-$10B >$50B >$50B <$1B >$50B $1B-$10B $1B-$10B $10B-$50B $10B-$50B <$1B <$1B >$50B <$1B >$50B <$1B >$50B $1B-$10B <$1B $1B-$10B >$50B >$50B <$1B <$1B <$1B <$1B <$1B $1B-$10B <$1B $1B-$10B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B >$50B LSBL $ (1,000) (4) 171,522 338,096 231,730 266,902 42,726 105,178 36,421 27,562 26,691 139,506 23,405 48,883 16,049 119,193 56,865 11,732 58,107 262,772 115,430 139,730 104,829 140,084 17,521 37,649 45,485 43,498 36,960 43,324 11,458 35,756 22,368 32,753 1,036,095 881,586 694,871 86,470 78,648 81,694 302,031 248,409 166,267 182,590 41,228 38,623 145,956 LSBL # (5) 3,090 2,845 2,035 3,150 9,910 1,527 1,220 8,097 2,966 1,051 3,825 1,264 2,258 628 588 705 444 3,805 1,871 1,064 1,018 1,277 1,964 774 624 599 540 474 1,163 459 442 431 10,536 5,968 5,184 12,171 15,641 2,557 2,182 2,196 3,390 2,094 11,710 4,359 2,151 LSBL(2)$ (1,000) (6) 103,050 274,523 177,351 215,551 0 69,468 1,526 0 0 113,684 255 26,595 0 105,906 43,838 0 47,257 172,093 77,314 113,607 80,033 120,360 0 22,045 31,436 30,114 24,704 31,365 0 24,511 11,481 22,366 716,502 722,814 592,784 1,065 2,653 6,863 248,699 198,878 117,352 134,592 479 0 111,495 LSBL(2)# (7) 397 841 610 571 0 251 13 0 0 357 1 115 0 299 162 0 170 528 267 315 267 332 0 75 116 108 89 95 0 80 44 70 2,120 2,085 1,652 4 6 35 741 598 389 457 1 0 272 CNB Corporation South Financial Group The First National Corporation Bank Of America Corporation Citigroup Inc. Palmetto Bancshares Inc. Wells Fargo & Company GE Cap Fncl Advanta Bk Corp Regions Financial Corporation American Express Centurion B Enterprise Bk Of SC Pitney Bowes Bk Southtrust Corporation Community Capital Corporation J.P. Morgan Chase & Co. Summit Financial Corporation SC SC SC NC NY SC CA UT UT AL UT SC UT AL SC NY SC CA SD SD NE MN DE SD SD SD SD SD UT SD ND NE AL TN GA DE NY CA TN AL TN TN UT UT NC South Dakota Wells Fargo & Company Dacotah Banks Inc. Minnehaha Banshares Inc. Great Western Bancorporation U.S. Bancorp Mbna Corporation Hopkins Financial Corporation South Dakota Bancshares Inc First Western Bancorp Inc. First Dakota Financial Corporation United National Corporation Advanta Bk Corp Fishback Financial Corporation Community First Bankshares Lauritzen Corporation Tennessee Amsouth Bancorporation First Tennessee National Cor Suntrust Banks Inc. MBNA Corporation Citigroup Inc. Wells Fargo & Company Union Planters Corporation Regions Financial Corporation First South Bancorp Inc. Greene County Bancshares In GE Cap Fncl Advanta Bk Corp Bank Of America Corporation Page 74 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 32,846 30,790 28,226 25,888 23,786 23,261 21,782 20,275 19,033 16,425 16,334 12,868 12,683 12,265 12,051 11,846 11,843 11,356 11,290 10,660 1,203,816 822,782 474,582 405,041 213,115 174,734 173,147 168,144 149,720 134,946 118,974 113,954 99,837 85,460 77,570 75,482 74,726 72,103 68,060 65,733 51,926 44,393 43,430 43,236 42,998 42,970 SSBL # (2) 990 2,058 5,368 925 596 792 726 2,844 559 1,606 616 407 317 429 371 343 253 392 753 287 45,137 23,583 46,355 79,712 24,105 46,693 11,208 4,460 22,293 24,430 2,518 3,823 3,006 12,798 2,409 2,184 3,356 2,019 2,238 2,383 2,395 1,246 963 1,430 6,347 949 Bk. Size (3) >$50B >$50B $10B-$50B <$1B <$1B $10B-$50B <$1B <$1B <$1B <$1B <$1B $10B-$50B $1B-$10B <$1B <$1B <$1B $10B-$50B >$50B >$50B <$1B >$50B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B $10B-$50B >$50B $10B-$50B $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $10B-$50B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $1B-$10B $10B-$50B >$50B <$1B $1B-$10B $10B-$50B LSBL $ (1,000) (4) 191,358 111,558 28,832 74,155 65,617 83,843 69,280 20,275 83,683 31,061 51,333 61,019 58,681 42,456 57,534 60,619 74,644 48,666 11,790 49,967 1,782,384 1,281,854 476,612 407,712 213,115 177,689 527,124 671,548 459,376 136,223 871,563 415,586 492,469 85,460 321,983 289,421 172,868 255,358 220,986 213,115 157,763 176,656 243,875 134,311 47,116 225,061 LSBL # (5) 1,441 2,316 5,372 1,082 763 994 898 2,844 794 1,661 710 551 479 547 514 494 439 502 754 407 47,051 25,148 46,370 79,726 24,105 46,703 12,151 5,825 23,142 24,438 4,767 4,744 4,212 12,798 3,220 2,856 3,682 2,622 2,795 2,883 2,730 1,680 1,527 1,775 6,353 1,485 LSBL(2)$ (1,000) (6) 158,512 80,768 606 48,267 41,831 60,582 47,498 0 64,650 14,636 34,999 48,151 45,998 30,191 45,483 48,773 62,801 37,310 500 39,307 578,568 459,072 2,030 2,671 0 2,955 353,977 503,404 309,656 1,277 752,589 301,632 392,632 0 244,413 213,939 98,142 183,255 152,926 147,382 105,837 132,263 200,445 91,075 4,118 182,091 LSBL(2)# (7) 451 258 4 157 167 202 172 0 235 55 94 144 162 118 143 151 186 110 1 120 1,914 1,565 15 14 0 10 943 1,365 849 8 2,249 921 1,206 0 811 672 326 603 557 500 335 434 564 345 6 536 BB&T Corporation U.S. Bancorp American Express Centurion B F&M Financial Corporation Cavalry Bancorp Inc. Bancorpsouth Inc. First Citizens Bancshares I Pitney Bowes Bk Citizens National Bancorp I Robertson Holding Company L First Pulaski National Corporation National Commerce Financial Trustmark Corporation First Volunteer Corporation First Nb Of The Cumberlands First Farmers And Merchants Synovus Financial Corp. Franklin Financial Corporation J.P. Morgan Chase & Co. Banctenn Corporation NC MN UT TN TN MS TN UT TN TN TN TN MS TN TN TN GA TN NY TN CA NY DE NY UT UT NC AL IL UT TX TX TX UT TX AL TX TX XX TX TX LA AL TX MA OK Texas Wells Fargo & Company J.P. Morgan Chase & Co. MBNA Corporation Citigroup Inc. Advanta Bk Corp GE Cap Fncl Bank Of America Corporation Compass Bancshares Inc. Bank One Corporation American Express Centurion B Cullen/Frost Bankers Inc. Texas Regional Bancshares I Sterling Bancshares Inc. Pitney Bowes Bk International Bancshares Corporation Regions Financial Corporation Amarillo National Bancorp I Maedgen & White Ltd. Incus Co. Ltd. First Financial Bankshares American State Financial Corporation Hibernia Corporation Southtrust Corporation Overton Financial Corporatio Fleetboston Financial Corporation BOK Financial Corporation Page 75 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 39,936 39,812 36,694 35,825 34,285 33,882 33,331 33,162 32,996 30,375 29,753 28,684 28,054 25,837 25,513 25,307 24,962 24,579 23,995 23,197 23,081 22,612 22,562 22,325 20,786 19,414 19,266 18,919 18,532 18,310 17,991 17,196 16,791 14,714 14,704 14,400 14,325 13,902 13,774 13,657 13,554 13,435 13,356 13,112 11,402 11,234 11,156 10,707 SSBL # (2) 997 1,243 1,170 1,351 943 1,085 703 1,008 862 2,535 1,099 888 1,046 894 848 996 643 729 700 1,110 876 590 811 674 793 422 561 3,209 452 546 535 395 383 568 547 468 327 1,181 324 313 379 324 355 475 240 267 381 382 Bk. Size (3) $1B-$10B $1B-$10B $1B-$10B <$1B $1B-$10B $1B-$10B >$50B $1B-$10B <$1B >$50B <$1B $1B-$10B <$1B <$1B <$1B <$1B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B <$1B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B <$1B <$1B <$1B <$1B <$1B $10B-$50B <$1B <$1B <$1B $10B-$50B $1B-$10B <$1B <$1B <$1B <$1B <$1B $1B-$10B $1B-$10B <$1B LSBL $ (1,000) (4) 242,832 137,552 139,023 102,590 127,354 111,837 332,281 147,312 146,333 76,811 84,000 116,718 88,898 92,978 64,035 83,196 109,246 107,880 105,676 53,475 95,649 80,101 95,255 89,213 62,821 120,463 39,380 19,767 90,529 71,070 91,712 68,376 72,366 42,678 46,688 45,031 87,456 31,880 79,464 99,727 43,523 68,313 94,895 36,387 101,040 67,005 54,673 47,139 LSBL # (5) 1,519 1,569 1,501 1,577 1,245 1,328 1,438 1,376 1,242 2,672 1,283 1,181 1,246 1,123 983 1,190 885 994 937 1,234 1,102 772 1,047 869 937 717 645 3,215 680 713 826 560 563 672 668 582 555 1,244 527 545 483 476 558 554 486 413 512 502 LSBL(2)$ (1,000) (6) 202,896 97,740 102,329 66,765 93,069 77,955 298,950 114,150 113,337 46,436 54,247 88,034 60,844 67,141 38,522 57,889 84,284 83,301 81,681 30,278 72,568 57,489 72,693 66,888 42,035 101,049 20,114 848 71,997 52,760 73,721 51,180 55,575 27,964 31,984 30,631 73,131 17,978 65,690 86,070 29,969 54,878 81,539 23,275 89,638 55,771 43,517 36,432 LSBL(2)# (7) 522 326 331 226 302 243 735 368 380 137 184 293 200 229 135 194 242 265 237 124 226 182 236 195 144 295 84 6 228 167 291 165 180 104 121 114 228 63 203 232 104 152 203 79 246 146 131 120 Southwest Bancorporation Of First National Bank Group I Eggemeyer Advisory Corp. Jane Austin Chapman Limited Prosperity Bancshares Inc. American Nb TX Comerica Incorporated Woodforest Financial Group Republic Bancshares Of Texas U.S. Bancorp Guaranty Bancshares Inc. Southside Bancshares Incorp Security Holding Company Americo Bancshares Inc. Firstperryton Bancorp Inc. Texas United Bancshares Inc Broadway Bancshares Inc. Summit Bancshares Inc. First Community Capital Corp National United Bancshares South Plains Financial Inc. American Bank Holding Corporation Central Community Corporation Mow/Rpw Ii Ltd. Doss Ltd. Whitney Holding Corporation Lone Star National Bancshare Atlantic Bk Of NY INB Financial Corporation Jefferson Bancshares Inc. Commerce National Financial Legacy Texas Group Inc. West Financial Inc. Herring Bancorp Inc. Bancorpsouth Inc. Extraco Corporation Central Bancorp Inc. Texas Security First Bancsha Colonial Bancgroup Inc. Th Texas Capital Bancshares In North Dallas B&Tc Inwood Bancshares Inc. WNB Bancshares Inc. Diboll State Bancshares Inc Metrocorp Bancshares Inc. SNB Bancshares Inc. North American Bancshares I Community Bankers Inc. TX TX CA TX TX TX MI TX TX MN TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX LA TX NY TX TX TX TX TX TX MS TX TX TX AL TX TX TX TX TX TX TX TX TX Page 76 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 10,354 229,145 105,298 43,974 36,931 23,903 21,986 17,473 15,061 14,508 14,096 13,996 13,772 11,651 38,963 36,601 16,252 13,440 12,164 10,890 10,391 209,220 180,040 151,695 148,752 100,437 94,494 70,857 64,151 56,131 51,921 41,885 37,779 32,640 26,820 21,864 21,159 20,153 19,627 18,238 16,440 16,306 15,521 15,103 SSBL # (2) 351 10,680 3,528 4,008 5,906 5,149 2,546 1,183 604 2,413 468 390 3,553 494 974 1,044 2,436 479 2,299 1,184 380 5,732 4,288 5,643 23,467 20,409 3,094 4,021 7,126 13,559 2,317 11,928 1,188 861 3,752 725 705 734 6,289 581 516 577 396 359 Bk. Size (3) <$1B >$50B $10B-$50B >$50B $10B-$50B >$50B $1B-$10B >$50B <$1B >$50B <$1B <$1B $1B-$10B >$50B $1B-$10B $10B-$50B >$50B >$50B >$50B $1B-$10B $1B-$10B >$50B >$50B >$50B >$50B >$50B >$50B >$50B $1B-$10B $10B-$50B >$50B $1B-$10B $10B-$50B $1B-$10B <$1B $10B-$50B $1B-$10B $1B-$10B >$50B $1B-$10B <$1B <$1B <$1B >$50B LSBL $ (1,000) (4) 40,563 408,512 543,252 44,124 37,218 24,403 21,986 96,013 90,894 53,748 49,288 95,546 13,772 11,971 170,180 181,734 16,365 14,070 12,164 10,890 50,201 1,147,818 989,523 869,701 155,486 102,030 100,020 316,942 64,151 56,851 56,742 42,985 178,791 168,158 26,820 129,746 82,748 67,130 20,676 129,872 60,557 47,420 77,993 77,087 LSBL # (5) 430 11,196 4,778 4,009 5,908 5,150 2,546 1,388 874 2,522 596 630 3,553 496 1,398 1,468 2,437 485 2,299 1,184 510 8,350 6,349 7,652 23,498 20,415 3,136 4,645 7,126 13,563 2,333 11,930 1,620 1,275 3,752 1,067 912 895 6,292 891 654 689 588 553 LSBL(2)$ (1,000) (6) 30,209 179,367 437,954 150 287 500 0 78,540 75,833 39,240 35,192 81,550 0 320 131,217 145,133 113 630 0 0 39,810 938,598 809,483 718,006 6,734 1,593 5,526 246,085 0 720 4,821 1,100 141,012 135,518 0 107,882 61,589 46,977 1,049 111,634 44,117 31,114 62,472 61,984 LSBL(2)# (7) 79 516 1,250 1 2 1 0 205 270 109 128 240 0 2 424 424 1 6 0 0 130 2,618 2,061 2,009 31 6 42 624 0 4 16 2 432 414 0 342 207 161 3 310 138 112 192 194 CU Bank Shares Inc. TX CA UT DE UT NY UT MN UT IL UT UT UT NY VT ME DE CA NY UT VT NC NC GA DE NY CA NC UT UT NY UT NC VA UT MD VA VA IL VA VA VA VA AL Utah Wells Fargo & Company Zions Bancorporation MBNA Corporation American Express Centurion B Citigroup Inc. Advanta Bk Corp U.S. Bancorp People S Utah Bancorp Bank One Corporation Southern Utah Bancorporation BOU Bancorp Inc. GE Cap Fncl J.P. Morgan Chase & Co. Vermont Chittenden Corporation Banknorth Group Inc. MBNA Corporation Wells Fargo & Company Citigroup Inc. Advanta Bk Corp Merchants Bk Virginia BB&T Corporation Wachovia Corporation Suntrust Banks Inc. MBNA Corporation Citigroup Inc. Wells Fargo & Company Bank Of America Corporation Advanta Bk Corp American Express Centurion B J.P. Morgan Chase & Co. GE Cap Fncl First Citizens Bancshares I Union Bankshares Corporation Pitney Bowes Bk Mercantile Bankshares Corporation Townebank FNB Corporation Bank One Corporation Virginia Financial Group In American National Bankshares Highlands Bankshares Inc. Old Point Financial Corporation Southtrust Corporation Page 77 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 14,219 13,457 12,556 12,316 11,258 10,733 354,083 140,635 110,498 108,725 88,537 60,308 57,875 57,665 52,474 49,190 39,722 31,275 26,334 25,958 24,339 23,180 21,735 15,635 13,958 13,383 12,296 12,077 10,996 10,369 10,003 59,317 49,548 35,138 28,121 20,565 19,436 14,595 14,577 14,312 11,931 11,589 11,430 291,366 SSBL # (2) 480 333 1,881 248 300 205 14,340 8,891 11,387 5,948 16,886 1,486 6,555 21,856 1,292 1,385 877 792 809 3,374 613 6,330 1,132 5,213 379 324 298 1,715 358 380 240 1,821 1,530 1,200 782 2,898 707 507 1,781 2,957 1,284 3,150 252 7,046 Bk. Size (3) <$1B <$1B $1B-$10B <$1B $1B-$10B $1B-$10B >$50B >$50B >$50B >$50B >$50B $1B-$10B $1B-$10B $10B-$50B $1B-$10B >$50B $1B-$10B $1B-$10B <$1B <$1B $1B-$10B $1B-$10B >$50B >$50B <$1B <$1B <$1B $1B-$10B <$1B <$1B $10B-$50B >$50B $1B-$10B $1B-$10B $10B-$50B >$50B $1B-$10B >$50B >$50B >$50B $1B-$10B $1B-$10B $1B-$10B $10B-$50B LSBL $ (1,000) (4) 37,228 58,292 14,388 83,505 65,653 73,119 650,639 530,374 110,747 860,551 88,969 385,974 57,875 57,873 343,243 273,534 241,610 203,751 105,276 25,958 128,004 23,680 22,337 16,528 75,258 89,350 91,552 12,258 51,515 57,974 106,917 348,945 187,797 117,080 85,807 20,565 49,309 14,700 76,317 14,312 11,931 11,589 63,469 2,077,505 LSBL # (5) 575 482 1,886 451 472 386 15,207 9,841 11,388 7,813 16,889 2,434 6,555 21,857 2,162 1,991 1,447 1,282 1,069 3,374 998 6,331 1,136 5,216 559 576 538 1,716 480 531 498 2,553 1,985 1,461 950 2,898 818 508 1,959 2,957 1,284 3,150 396 12,125 LSBL(2)$ (1,000) (6) 23,009 44,835 1,832 71,189 54,395 62,386 296,556 389,739 249 751,826 432 325,666 0 208 290,769 224,344 201,888 172,476 78,942 0 103,665 500 602 893 61,300 75,967 79,256 181 40,519 47,605 96,914 289,628 138,249 81,942 57,686 0 29,873 105 61,740 0 0 0 52,039 1,786,139 LSBL(2)# (7) 95 149 5 203 172 181 867 950 1 1,865 3 948 0 1 870 606 570 490 260 0 385 1 4 3 180 252 240 1 122 151 258 732 455 261 168 0 111 1 178 0 0 0 144 5,079 First Bancorp Inc. C&F Financial Corporation Fleetboston Financial Corporation Resource Bankshares Corporation Burke & Herbert B&TC Virginia Commerce Bancorp I VA VA MA VA VA VA CA NC DE MN NY WA UT UT WA OH WA WA WA UT WA UT NY IL WA WA WA MA WA WA UT NC WV WV OH DE VA CA IL NY UT UT WV WI Washington Wells Fargo & Company Bank Of America Corporation MBNA Corporation U.S. Bancorp Citigroup Inc. W.T.B. Financial Corporation Advanta Bk Corp American Express Centurion B Frontier Financial Corporation Keycorp Banner Corporation Columbia Banking System Inc Washington Banking Company Pitney Bowes Bk Americanwest Bancorporation GE Cap Fncl J.P. Morgan Chase & Co. Bank One Corporation Venture Financial Group Inc Olympic Bancorp Inc. City Bk Fleetboston Financial Corporation Cashmere Valley Bk Skagit St Bk Zions Bancorporation West Virginia BB&T Corporation United Bankshares Inc. Wesbanco Inc. Huntington Bancshares Incorp MBNA Corporation First Community Bancshares Wells Fargo & Company Bank One Corporation Citigroup Inc. Advanta Bk Corp GE Cap Fncl City Holding Company Wisconsin Marshall & Ilsley Corporation Page 78 of 80 4B. Top Micro-Business Lenders by State Using CRA Data, 2003 Micro-Business Lending (<$100k) Small Business Lending (<$1M) Small Business Lending ($100k-$1M) State Bank Name HQ State SSBL $ (1,000) (1) 133,899 129,121 117,985 78,188 66,480 60,780 51,157 46,952 39,327 35,522 32,191 31,872 30,408 30,035 28,172 27,544 25,611 20,266 19,441 19,283 19,032 18,417 18,374 17,238 13,808 13,728 13,221 13,175 13,102 13,016 12,566 11,413 10,002 43,015 33,151 22,942 19,340 17,850 12,526 11,391 11,172 SSBL # (2) 3,802 5,199 7,205 11,642 13,156 6,488 2,387 6,862 840 861 1,598 828 897 843 837 6,570 658 656 486 457 495 2,344 417 489 456 295 441 1,637 354 419 376 292 202 1,488 1,343 814 2,353 545 399 299 296 Bk. Size (3) $10B-$50B >$50B >$50B >$50B >$50B $1B-$10B >$50B >$50B $1B-$10B $1B-$10B <$1B $1B-$10B <$1B <$1B <$1B $1B-$10B <$1B <$1B <$1B $1B-$10B $1B-$10B <$1B <$1B <$1B $1B-$10B $1B-$10B <$1B $10B-$50B <$1B <$1B <$1B <$1B <$1B $1B-$10B >$50B $1B-$10B >$50B <$1B $1B-$10B <$1B $1B-$10B LSBL $ (1,000) (4) 814,947 254,153 603,411 78,298 67,421 60,780 53,557 275,899 370,027 164,229 83,327 193,238 122,283 137,279 130,912 27,544 140,244 82,760 93,941 90,021 120,337 18,417 132,601 94,195 38,550 95,161 40,303 13,175 59,400 62,408 48,081 60,592 102,067 123,968 64,829 68,746 19,478 48,266 33,164 66,670 43,669 LSBL # (5) 5,743 5,613 8,523 11,643 13,159 6,488 2,390 7,415 1,730 1,330 1,799 1,332 1,210 1,214 1,142 6,570 1,075 859 701 676 779 2,344 733 755 558 540 561 1,637 511 592 495 459 459 1,791 1,444 999 2,354 673 480 453 410 LSBL(2)$ (1,000) (6) 681,048 125,032 485,426 110 941 0 2,400 228,947 330,700 128,707 51,136 161,366 91,875 107,244 102,740 0 114,633 62,494 74,500 70,738 101,305 0 114,227 76,957 24,742 81,433 27,082 0 46,298 49,392 35,515 49,179 92,065 80,953 31,678 45,804 138 30,416 20,638 55,279 32,497 LSBL(2)# (7) 1,941 414 1,318 1 3 0 3 553 890 469 201 504 313 371 305 0 417 203 215 219 284 0 316 266 102 245 120 0 157 173 119 167 257 303 101 185 1 128 81 154 114 Associated Banc-Corp Wells Fargo & Company U.S. Bancorp MBNA Corporation Citigroup Inc. Advanta Bk Corp J.P. Morgan Chase & Co. Bank One Corporation Johnson Financial Group Inc Citizens Banking Corporation Waupaca Bancorporation Inc. Baylake Corp. NEB Corporation River Valley Bancorporation First Manitowoc Bancorp Inc GE Cap Fncl First Banking Center Inc. S.B.C.P. Bancorp Inc. Waukesha St Bk Amcore Financial Inc. State Financial Services Corporation Pitney Bowes Bk First Business Financial Ser Tri City Bankshares Corporation Otto Bremer Foundation Heartland Financial USA Inc Mid-Wisconsin Financial Serv American Express Centurion B Sword Financial Corporation Citizens Bank Holding Inc. Denmark Bancshares Inc. Community Banc-Corp Of Shebo Bankmanagers Corp. WI CA MN DE NY UT NY IL WI MI WI WI WI WI WI UT WI WI WI IL WI UT WI WI MN IA WI UT WI WI WI WI WI MT CA ND DE WY NE WY CO Wyoming First Interstate Bancsystem Wells Fargo & Company Community First Bankshares MBNA Corporation Midland Financial Corporation Pinnacle Bancorp Inc. United Bancorporation of WY Sturm Financial Group Inc. Note: Small businesses seeking loans should also consider banks that participate in SBA loan programs. To locate an SBA certified lender near you, call 1-800-8-ASK-SBA or check SBA's website at: http://www.sba.gov. Source: U.S. Small Businesss Administration, Office of Advocacy, Office of Economic Research, from the Call Report collected by the Federal Reserve. Page 79 of 80 Table 5. Number of Reporting Banks by Bank Asset Size and by State, 1995-2004 2004 Bank Asset Size Class $100M–$500M $500M–$1B $1B–$10B 3,043 62 2 12 93 125 74 13 8 3 147 167 1 10 259 73 111 70 111 59 9 49 17 86 124 47 128 21 51 14 8 43 22 56 36 17 73 85 17 89 0 39 19 86 215 19 9 80 31 37 116 16 385 11 1 4 4 24 7 0 3 0 19 12 1 2 38 14 9 10 6 2 3 4 6 5 4 5 11 3 3 3 0 6 0 17 14 3 16 5 4 23 0 3 6 9 31 6 0 11 8 0 9 1 336 3 1 3 5 42 7 1 7 0 13 9 4 0 25 11 3 6 5 3 1 9 6 8 2 6 10 1 3 7 0 11 4 21 3 3 5 4 3 19 3 5 2 3 22 5 2 7 6 3 4 0 State National Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming 1995 10,135 187 8 34 251 395 248 40 40 15 344 384 15 19 877 215 502 449 283 191 20 93 52 182 539 109 467 103 340 22 24 85 68 166 62 135 261 346 42 235 15 73 117 243 959 44 20 163 88 119 393 53 2001 8,158 157 6 43 183 300 180 25 33 5 262 331 8 17 703 155 426 376 231 144 15 72 42 163 486 101 354 83 276 32 15 80 52 144 77 107 205 284 42 182 7 75 93 194 693 57 18 145 76 71 286 46 2002 7,949 153 6 41 170 288 175 26 31 4 259 324 7 17 686 154 414 368 227 142 15 72 41 161 472 98 350 80 273 34 14 82 52 137 72 104 200 277 32 177 7 77 93 190 675 56 15 128 79 70 279 45 2003 7,816 150 6 45 166 281 169 26 28 4 262 318 7 16 673 149 406 362 220 140 17 72 39 159 464 97 343 79 264 34 15 79 51 136 72 104 195 273 34 172 8 76 91 189 662 56 14 130 79 69 271 44 2004 7678 152 5 45 161 264 166 25 27 5 262 327 6 15 657 145 397 360 215 137 17 70 36 155 463 94 345 77 258 34 13 76 50 133 70 100 188 268 36 165 8 74 89 190 647 58 14 125 75 67 271 41 <$100M 3,791 71 1 25 59 69 78 10 5 2 83 138 0 3 330 46 274 274 93 72 3 8 4 53 332 35 195 52 201 9 4 13 24 32 12 77 83 173 12 31 3 27 60 89 379 23 3 24 30 27 140 24 >$10B 82 5 0 1 0 4 0 1 4 0 0 1 0 0 5 1 0 0 0 1 1 0 3 3 1 1 1 0 0 1 1 3 0 7 5 0 11 1 0 3 2 0 2 3 0 5 0 3 0 0 2 0 Source: U.S Small Business Administration, Office of Advocacy, Office of Economic Research, from the Federal Reserve Board's Consolidated Reports of Condition & Income for U.S. Banks. Page 80 of 80