U.S. SBA Office of Advocacy--Small and Micro Business Lending for 2006-2007

Small Business and Micro Business Lending in the United States, for Data Years 2006-2007 June 2008 Created by Congress in 1976, the Office of Advocacy of the U.S. Small Business Administration (SBA) is an independent voice for small business within the federal government. Appointed by the President and confirmed by the U.S. Senate, the Chief Counsel for Advocacy directs the office. The Chief Counsel advances the views, concerns, and interests of small business before Congress, the White House, federal agencies, federal courts, and state policy makers. Economic research, policy analyses, and small business outreach help identify issues of concern. Regional Advocates and an office in Washington, DC, support the Chief Counsel’s efforts. For more information on the Office of Advocacy, visit http://www.sba.gov/advo or call (202) 205-6533. Receive email notices of new Office of Advocacy information by signing up on Advocacy’s Listservs at http://web.sba.gov/list ADVOCACY ADVOCACY ADVOCACY ADVOCACY NEWSLETTER PRESS REGULATORY NEWS RESEARCH June 2008 No. 327 Small Business and Micro Business Lending in the United States for Data Years 2006-2007 by Victoria Williams and Charles Ou, U.S. Small Business Administration, Office of Advocacy, Office of Economic Research, 2008. 124 pages. Introduction Annually, the Office of Advocacy prepares a study on institutional lending to small firms. The report examines small business lending in the economy by all lenders in the United States. The study provides a review of lending activities based on two types of data that lenders report to their regulating agencies—the Consolidated Reports of Condition and Income (Call Reports) for June 2007 and the Community Reinvestment Act (CRA) reports for 2006. Because data are available only by the size of the loan, small business loans are defined as business loans under $1 million, and micro business loans are those under $100,000. Those in the $100,000-$1 million category are referred to as larger small business loans. The report includes a discussion of developments in the small and micro business lending activities of institutional lenders. No attempt has been made to distinguish SBA guaranteed lenders in the analysis. Lenders are ranked based on their overall lending, not lending under SBA programs. Part one reviews developments apparent in the Call Report data from June 2006 through June 2007 and the CRA database for the year 2006. Part two provides directories of the top small and micro business lenders in the 50 states, the District of Columbia, and some U.S. territories. For the reader’s convenience, national tables for multibillion-dollar banks and bank holding companies are presented first, followed by state tables. Beginning in 2005, the reports in this series were expanded to include savings banks and savings and loan associations, in addition to commercial banks. Geographic coverage has been expanded to include American Samoa, Guam, Puerto Rico, and the U.S. Virgin Islands. Overall Findings The pace of borrowing and lending in the small business loan markets in 2006-2007 was much stronger than in the previous year, for both micro business loans under $100,000 and those in the larger small business category ($100,000-$1 million). Highlights • Small business loans outstanding (loans under $1 million) were valued at $684.6 billion for 24.5 million loans from 8,633 reporting depository institutions in the United States and territories in June 2007. This compares with a total of 21.3 million loans valued at $634 billion in the previous year. • The most significant change in micro business lending (loans under $100,000) was in the number of loans, which jumped by 13.7 percent after being relatively flat in the previous period. • The micro business loan market was dominated by the largest lenders (asset sizes of more than $10 billion) which represented 66.4 percent of the number and 58.2 percent of the value of these small loans as of June 2007. • The share of the number of larger small business loans ($100,000- $1 million) made by multibillion-dollar lending institutions has declined since 2005, from 42.0 percent to 32.3 percent in 2007. • The CRA reports confirm that lending in these larger small business loans mirrors the findings in the Call Report data. In 2006, 791 CRA reporting institutions extended 11.6 million loans that were under $1 million, for a total of $289.8 billion in small business loans. This compares with $271.1 billion for a total of 7.9 million loans made by 774 lending institutions the previous year. 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. Methodology This report observes the environment of lending institution activities using two types of data reported by financial institutions to their regulating agencies. Call Reports include information on the number and dollar amount of business loans outstanding in June 2007, and Community Reinvestment Act data cover lending to small businesses for calendar year 2006. The data reported are available by loan size, not by business size. Small business loans are defined here as loans under $1 million; mid-sized loans are those valued at $100,000 to under $1 million; and micro loans are loans of less than $100,000. Large lending institutions with total domestic assets of more 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 lenders on the basis of the designated headquarters state of the reporting lending institutions. Two ranking methods are used, depending upon the availability of data. For lending institutions filing Call Reports, for which information on total assets and total business loans is available, four criteria are used as the basis for a lender’s performance ranking. A decile ranking is first computed for individual criteria (decile rankings range from 1 to 10). Lending institutions in the top 10 percent of all lenders in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Lenders that do not lend to small businesses (loans under $1 million) receive a 0. A summary ranking consolidating the four decile rankings is computed for each institution in the state rankings. Four top scores will sum to 40. To make the top score total 100, each score is multiplied by 2.5. To rank state lending using the CRA data, lenders are listed in order of the dollar amount of small business loans made in each state in 2006. Large institutions therefore appear at the top. Simple rankings are used for multi-billion-dollar lending institutions because a small number of lenders is 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 Order number: PB2008-109313 Paper A07 ($60.00) Microfiche A02 ($27.00) CD-ROM A00 ($40.00) Download A00 ($25.00) To receive email notices of Advocacy's newsletter, press, regulatory news, and research, visit http://web.sba.gov/list. For really simple syndication, visit www.sba.gov/advo/rsslibrary.html. Small Business and Micro Business Lending in the United States, for Data Years 2006-2007 Office of Advocacy U.S. Small Business Administration Washington, D.C. June 2008 Foreword This edition of the Office of Advocacy’s annual study of lending to small and micro businesses by most depository institutions in the United States continues its expanded coverage. Included, in addition to banks, are other depository institutions, such as federal and state savings banks and savings and loans associations, and broader geographic coverage extended to the U.S. territories. The source information consists of two types of data reported by depository institutions to their respective regulating agencies—Call Reports for June 2007 and Community Reinvestment Act (CRA) reports for 2006. The smaller number of institutions required to submit CRA reports means that the coverage of small business lending activities under CRA reporting is reduced relative to Call Report coverage. This study covers both small business lending (loans of less than $1 million) and micro business lending (loans of less than $100,000, a subset of small business lending) for all reporting institutions, and for multi-billion-dollar lending institutions for the 2006–2007 period. Some information is also provided about the subset of larger small business loans between $100,000 and $1 million. The report provides data on the top institutions lending to small businesses in each state. Advocacy’s website contains additional data listing the lending activity of all lenders in the 50 states, the District of Columbia, and U.S. territories as expanded versions of tables 3A and 3B. The information is useful to both small businesses in search of loans and lenders who seek to compare their lending with that of their competitors. I encourage readers to use this report as a resource—and I congratulate the lending institutions 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 webpage, 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. Chad Moutray Chief Economist and Director of Economic Research Small Business and Micro Business Lending, 2006-2007 iii Contents Introduction Part One: Developments in Small and Micro Business Lending I. Findings from the June 2006-June 2007 Call Reports A. Small Business Loans Outstanding from all Reporting Lending Institutions B. Total Micro Business Loans Outstanding in the United States C. Small and Micro Business Loans Outstanding from Multi-billion-dollar Lending Institutions II. Findings from CRA Reporting Institutions for 2006 A. Small Business Lending by CRA Reporting Lending Institutions B. Micro Business Lending by CRA Reporting Lending Institutions Part Two: Directory of Top U.S. Small and Micro Business Lenders Appendix: Data Notes Ranking Methodology and Table Descriptions Variables used in Tables Table Descriptions Data Tables 5 7 7 7 9 12 12 13 14 22 1 3 3 3 3 Small Business and Micro Business Lending, 2006-2007 v Introduction Access to credit is essential for small business survival, and the banking system is the most important institutional supplier of credit to small firms in the United States. Roughly 60.4 percent of all small firms used traditional credit (i.e. credit lines, loans, and/or capital leases) in 2003; 68.0 percent of them obtained credit from the banking sector, according to the 2003 Survey of Small Business Finances (SSBF). 1 The knowledge of how lending institutions are meeting small firm credit needs and which lenders are investing in small businesses is critical to the health and growth of small businesses. Such information not only helps small businesses save precious time in shopping efficiently for credit; it also provides lending institutions with information on the demand for and supply of small business credit, and helps them learn 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 lending institutions that serve them. 2 For the third consecutive year, the study provides expanded coverage of small business lending in two respects. First, it includes other depository institutions such as savings banks and savings and loan associations in addition to commercial banks. Second, the geographic coverage includes territories: Guam, American Samoa, Puerto Rico, and the U.S. Virgin Islands. The study continues to examine both small business and micro business lending. The analysis is based on two types of data reported by lending institutions to their respective regulating agencies —the Call Reports for June 2007 (for information on loans outstanding) and Community Reinvestment Act (CRA) reports for 2006. 3 Data are available only for the size of the loan and not for the size of the business, so the following definitions are used: Small business loans are defined as business loans under $1 million. Micro business loans are defined as business loans under $100,000 (the subset of small business loans that constitutes the smallest loans). See Federal Reserve Bulletin, “Financial Services Used by Small Businesses: Evidence from the 2003 Survey of Small Business Finances,” October 2006, Table 10, Page A186. The SSBF provides the most comprehensive information on the patterns of credit use by small businesses and their providers for 1987, 1993, 1998, and 2003. The 2003 survey is the last to be conducted. 2 1 This is the 14th annual edition of this study, which began in 1994 using the Call Report data; four years later the CRA data were included as part of the report. The Call Reports, officially known as the Consolidated Reports of Condition and Income, are quarterly reports filed by the financial institutions with their appropriate depository regulators. Call Reports provide detailed information on the current status of a financial institution. The CRA data are designed to encourage depository institutions to meet the credit needs of the local communities from which they obtain deposited funds. The CRA data become more important in understanding small business lending activities by lending institutions and BHCs in a given state. 3 Larger small business loans are loans of $100,000 to under $1 million (the subset of small business loans that includes larger loans). Part One discusses developments in small and micro business lending activities by lending institutions in the United States. The first section discusses developments apparent in the Call Report data; the second discusses developments based on the CRA database. Analysis in this study covers data for three years, from June 2005 through June 2007 for Call Reports and from 2004 through 2006 for CRA reports. 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 multi-billiondollar lending institutions are presented before state tables for all lending institutions, not because these giants are more important in small business lending, but because the tables for bank holding companies (BHC) are shorter. While these two databases have limitations as indicators of both the supply of loans from lending institutions and the small business demand for loans, their usefulness cannot be denied—they are the only publicly available sources of information on the small business lending activities of individual lending institutions. Accessing the Study The current and all previous editions of Advocacy’s lending studies are available 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. Small Business and Micro Business Lending, 2006-2007 2 Part One: Developments in Small and Micro Business Lending I. Findings from the June 2006–June 2007 Call Reports4 A. Small Business Loans Outstanding from All Reporting Lending Institutions The pace of borrowing and lending in the small business loan markets was much more brisk in June 2006-June 2007 than in the previous year. On the whole, the total amount of small business loans (loans of less than $1 million) made by lending institutions showed larger increases in the more recent period. Small business loans outstanding totaled $684.6 billion as of June 2007, an increase of $50.6 billion or roughly 8.0 percent from June 2006, compared with an increase of 5.5 percent in the June 2005-June 2006 period (Tables A and B). Increases in both the amount and number were in all small business loan sizes, but the number of small business loans from $100,000 to $1 million increased the most over this period (Tables A and C.) Borrowing by larger corporations was moderate in 2007, as large corporations increased their use of internally generated funds, which lessened their need for investment. Increases in the dollar amount of business loans over $1 million were smaller than in the previous year, 11.7 percent compared with 12.4 percent in the June 2005-June 2006 period (Table B). Nonetheless, large corporations continued to contribute the most to total business borrowing over this period. B. Total Micro Business Loans Outstanding in the United States Activity in the smallest loan sizes—micro business loans—was more robust over this period, with increases in both the dollar amount and volume, as major business credit card lenders continued to promote small business credit cards. The most significant change in micro business lending occurred in the number of loans over the June 2006-June 2007 period, up 13.7 percent after remaining relatively flat in the previous period (Table C). The dollar amount of micro business loans increased by 9.4 percent, compared with 7.6 percent for loans of $100,000 to under $1 million, and with about 8.0 percent for all small business loans under $1 million (Tables B and C). Overall, the smallest loans accounted for the most change in dollar amounts over the June 2006-June 2007 period. 4 Coverage of depository institutions in this annual study was expanded in the 2004-2005 edition to include federal and state savings banks and savings and loan associations. Lending institutions covered include commercial banks (charter types 7 and 8), federal savings banks (charter types 9 through 12), and savings and loan associations (charter types 1 through 4). Credit unions are not included. Small Business and Micro Business Lending, 2006-2007 3 Table A. Dollar Amount and Number of Small Business Loans, June 2005–June 2007, by Loan Size (Dollars in Billions, Numbers in Millions) Loan Size Under $100,000 Dollars Number $100,000 to under $1 million Dollars Number Under $1 million Dollars Number Total Business Loans Dollars 2005 138.4 19.02 462.3 1.98 600.8 21.00 1,680.8 2006 146.0 19.0 487.9 2.2 634.0 21.3 1,848.4 2007 159.7 21.6 524.9 2.9 684.6 24.5 2,023.9 Percent Change June 2006– June 2007 9.4 13.7 7.6 31.8 8.0 15.0 9.5 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas). Table B. Percent Change in the Dollar Amount of Business Loans by Loan Size, June 2003–June 2007 Loan size Under $100,000 $100,000 to under $1 million Under $1 million Above $1 million June 2003– June 2004 -0.5 7.2 5.3 4.6 June 2004– June 2005 1.9 4.8 4.1 11.1 June 2005– June 2006 5.5 5.5 5.5 12.4 June 2006– June 2007 9.4 7.6 8.0 11.7 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas). Table C. Percent Change in the Number of Small Business Loans by Loan Size, June 2003–June 2007 Loan size Under $100,000 $100,000 to under $1 million Under $1 million June 2003– June 2004 -11.1 6.6 -9.4 June 2004– June 2005 24.8 5.0 22.6 June 2005– June 2006 0 12.8 1.2 June 2006– June 2007 13.7 31.8 15.0 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas). Small Business and Micro Business Lending, 2006-2007 4 C. Small and Micro Business Loans Outstanding from Multi-billion-dollar Lending Institutions The importance of lending institutions of different sizes in the small business loan markets is continuously affected by bank consolidations. The number of lending institutions—financial services holding companies and independent institutions filing Call Reports—declined from 7,563 to 7,465 between June 2006 and June 2007, especially for lenders with assets of less than $500 million, which declined by 147 (Table D).5 Also, the number of the largest lending financial holding institutions with domestic assets exceeding $10 billion declined over the June 2006-June 2007 period, from 108 to 106, yet they accounted for 75.6 percent of total assets, and 65.2 percent of total business loans. These largest lenders continued to dominate the market for micro business loans under $100,000 where they represented 66.4 percent of the number and 58.2 percent of the loan value in this period (Table D). While the value of small loans made by these giants increased steadily, from 49.8 percent in 2005 to 58.2 percent in 2007, the same cannot be said for the number of loans outstanding, which was volatile in this period. The market for loans between $100,000 and $1 million issued by large lending institutions was somewhat less active. For example, the share of the dollar amount outstanding in this category barely increased, in line with the meager increase in the total assets share of these large institutions over the June 2006-June 2007 period (Table D). The share of the number of loans made in this category has experienced a continuous decline since 2005, from 42.0 percent in 2005 to 37.8 percent in 2006 to 32.3 percent in 2007. Table D is derived by combining the files for reporting institutions and consolidated holding companies— consolidated members of a holding company. Many noncommercial bank members of holding companies may not be consolidated in the data because of missing ID links. The number of lending institutions as of June 2007 was 7,465, including 2,418 non-BHCs and 5,047 banks and other financial services holding companies. 5 Small Business and Micro Business Lending, 2006-2007 5 Table D. Share of Total Assets and Business Loans by Size of All U.S. Depository Institutions, June 2005–June 2007 (Percent, Except Figures for Number of Institutions)* Asset Size of Institutions Over $50 Billion June 30, 2005 Number of Institutions Micro Business Loans (Under $100,000) Small Business Loans ($100,000-$1 Million) Total Small Business Loans (under $1 Million) Total Business Loans Total Domestic Assets June 30, 2006 Number of Institutions Micro Business Loans (Under $100,000) Small Business Loans ($100,000-$1 Million) Total Small Business Loans (under $1 Million) Total Business Loans Total Domestic Assets June 30, 2007 Number of Institutions Micro Business Loans (Under $100,000) Small Business Loans ($100,000-$1 Million) Total Small Business Loans (under $1 Million) Total Business Loans Total Domestic Assets Amount Number Amount Number Amount Number Amount Amount 32 41.51 49.00 32.48 23.57 34.59 46.00 51.31 61.31 74 16.67 17.40 12.17 8.75 13.22 16.38 13.90 14.27 106 58.18 66.39 44.65 32.32 47.81 62.38 65.21 75.58 498 14.00 19.85 22.27 21.71 20.33 20.07 17.57 12.29 617 6.02 7.62 9.98 7.24 9.05 7.57 5.90 3.99 6,244 21.8 6.4 23.1 38.7 22.8 10.0 11.3 8.14 7,465 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 Amount Number Amount Number Amount Number Amount Amount 34 38.98 53.11 30.29 27.48 32.30 50.42 50.68 60.88 74 13.67 17.74 11.99 10.36 12.37 16.96 13.33 14.35 108 52.65 70.85 42.28 37.84 44.67 67.38 64.02 75.23 473 14.55 12.44 22.46 20.37 20.66 13.28 17.56 12.25 591 7.07 9.47 10.17 8.79 9.45 9.4 6.12 3.96 6,391 25.63 7.23 25.00 33.00 25.22 9.94 12.31 8.56 7,563 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 Amount Number Amount Number Amount Number Amount Amount 31 36.49 52.00 30.23 30.72 31.67 49.99 48.99 58.77 70 13.33 17.98 11.76 11.33 12.13 17.35 13.39 15.00 101 49.82 69.98 41.99 42.05 43.80 67.34 62.37 73.77 449 15.05 13.86 21.96 21.25 20.37 14.55 18.18 13.06 541 6.62 8.83 9.95 9.35 9.18 8.88 6.11 3.92 6,533 28.51 7.33 26.10 27.36 26.65 9.22 13.33 9.25 7,624 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 $10 Billion to $50 Billion Over $10 Billion $1 Billion to $10 Billion $500 Million to $1 Billion Under $500 Million All Institutions and BHCs * All members of a holding company are consolidated to the extent the linked IDs permit. Credit unions excluded. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas). Small Business and Micro Business Lending, 2006-2007 6 II. Findings from CRA Reporting Institutions for 2006 A. Small Business Lending by CRA Reporting Lending Institutions This section presents a profile of the geographic activities of small business lending by large lending institutions (all of which are required to report under the Community Reinvestment Act program) in 2006.6 CRA data provide information on the location of loans made by a lender during a period, for example, from January 1 through December 31 of a given year. A comparison of CRA and Call Report reporting institutions appears in Table E. Because of changes in reporting requirements, the number of lending institutions that submitted CRA reports numbered 791 (slightly higher than in 2005), compared with more than 1,500 in 2004.7 These CRA reporting institutions accounted for 81.0 percent of the total assets, compared with 61.0 percent of the amount of the smallest loans and 58.0 percent of the larger small business loan amount. In 2006, 791 CRA-reporting institutions extended a total of $289.8 billion in 11.6 million small business loans under $1 million, compared with $271.1 billion for 7.9 million loans the previous year (Table F). Comparisons in micro lending over time are difficult using the CRA database because the number of banks required to report under the program changes. These CRA reporting lending institutions accounted for 81 percent of total domestic assets and 60 percent of small business loans (Table E).8 Data from the CRA reports support the notion that larger small business loans dropped or changed little in both number and value over the 2004–2006 period. In short, the total dollar amount of the smallest loans increased, while the larger small business loan amount remained flat. B. Micro Business Lending by CRA Lending Institutions Multi-billion-dollar banks and other major lenders made 11.1 million micro business loans valued at $116.2 billion in 2006 (Table F). Total domestic assets for these lenders increased from $7.9 trillion (for 774 lenders) in 2005 to $8.7 trillion (for 791 lenders) in 2006.9 The dollar amount and the number of loans outstanding increased continuously from 2004 to 2006. These lenders accounted for 40.1 percent of the dollar amount and 95.8 percent of the number of micro loans made in 2006. Starting in 2005, fewer lenders were required to file annual CRA reports as a result of a revision in reporting requirements made by federal financial institutions’ regulatory agencies. In the criteria for the CRA program, the asset size for reporting institutions was increased from $250 million to $1 billion in assets, thus eliminating a large number of institutions that had previously reported small business loan data. The 791 number includes all reporting lenders with and without balance sheet information from the Call Reports. Institutions with identified balance sheet items numbered 769. The large decline in the percentage of the smallest loans under $100,000 made by CRA lenders in 2005 is attributable to the omission of data on micro loans supplied by one of the largest lenders—American Express Business Bank. Because small business loan information is reported and available only in the June reports, the CRA lending institutions that were linked to Call Reports were used in the analysis. 9 8 7 6 Small Business and Micro Business Lending, 2006-2007 7 Table E. Comparison of Assets and Business Loans Outstanding for All Lending Institutions as Reported in Call Reports and by CRA-Reporting Institutions (Billions of Dollars) Loan Size Micro Business Loans <$100,000* Small Business Loans $100,000-$1 Million Small Business Loans <$1 Million Total Business Loans Total Assets Number of Lending Institutions Call Report Institutions (CRBs) 6/2007 159.7 523.9 683.6 2,023.9 10,808.2 7,465 CRA-Covered Institutions (CRA) 6/2006 98.1 304.9 413.0 1,657.2 8,704.0 791 CRA/CRBs (Percent) 2006 0.61 0.58 0.60 0.82 0.81 CRA/CRBs (Percent) 2005 0.59 0.65 0.64 0.79 0.77 CRA/CRBs (Percent) 2004 0.70 0.78 0.76 0.87 0.84 *The figure for loans under $100,000 for CRA-reporting banks is likely to be an understatement because loans made by American Express Bank are excluded. The bank was not required to submit a CRA report after its reorganization in March 2004. Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, College Station, Texas). Table F. Amount and Number of Loans made by CRA Reporting Institutions in 2004–2006 (Amounts in Billions of Dollars) Loan Size Number of Banks/BHCs Amount Under $100,000 Number Amount $100,000-$1 Million Number Amount Under $1 Million Total Assets Total Business Loans Number Amount Amount Amount/Number 2004 1,506 95.4 7,532,061 196.89 567,955 292.30 8,100,016 8,016.59 1,146.31 2005 774 97.94 7,458,720 173.17 488,787 271.11 7,947,507 7,947.48 1,465.23 2006 791 116.2 11,115,437 173.6 487,505 289.8 11,602,942 8,704.0 1,657.2 Source: U.S. Small Business Administration, Office of Advocacy, Small Business Lending in the United States, various years, and special tabulations of the June 2006 Call Reports (Consolidated Reports of Condition and Income for U.S. banks and thrift institutions prepared for the Office of Advocacy by James Kolari, Texas A&M University, and College Station, Texas). Small Business and Micro Business Lending, 2006-2007 8 Part Two: Directory of Top 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 lenders know about their competitors in small business lending, SBA’s Office of Advocacy prepares a directory of small and micro business lenders. The business lending performance of individual lending institutions is ranked for the national market (for multi-billion-dollar lenders) and in each state. Tables 1A through 2B rank multi-billion-dollar lenders in the national market using Call Report and CRA data. Table 3A through Table 4B list top small business lending institutions in individual states. Information for all reporting lenders (Tables 3A and 3B expanded) is available on the Advocacy website, www.sba.gov/advo/research/lending.html. Table 1A. Small Business Lending of Large Lending Institutions Based on Call Report Data, June 2007 Table 1A ranks the small business lending of the 100 largest lending institutions with total domestic assets of more than $10 billion. 10 Each lending institution is ranked from 1 to 100, 1 being the top for each of four variables. These variables then are totaled and re-ranked from 1 to 100. The top five small business lenders in June 2007, based on Call Report data, are American Express Bank Federal Savings Bank (FSB) (first in 2006), First Citizen Bancshares Inc., (fourth in 2006), Regions Financial Corporation (third in 2006), Synovus Financial Corporation (fifth in 2006), and BB&T Corporation (sixth in 2006). Table 1B. Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 2007 Table 1B ranks the micro business lending of the 100 largest lending institutions with total domestic assets of more than $10 billion. 11 Each lending institution is ranked from 1 to 100, (one being the top) for each of four variables. These variables then are totaled and reranked from 1 to 100; the remaining lending institutions are not ranked because of missing data or lack of micro business lending activity. The top five lenders are American Express Bank FSB (first in 2006), Capital One Financial Corporation (second in 2006), JPMorgan Chase and Co. (fifth in 2006), Wells Fargo (fourth in 2006), and Citigroup, Inc. (third in 2006). Since March 2004, American Express Centurion and Capital One Bank have organized federal savings banks (FSBs) to conduct their small business credit card operations. 11 10 The four criteria used are the same as those for Table 1A. Small Business and Micro Business Lending, 2006-2007 9 Table 2A. Small Business Lending of Large Lending Institutions Based on CRA Data, 2006 Table 2A ranks multi-billion-dollar lending institutions’ small 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 covering the reporting members of a holding company were first consolidated to generate estimates for the owning holding company. Since CRA data provide location-specific information for a lender’s small business lending, information on the number of states (and territories) in which the lending institution has lending operations is also provided. Eighty-seven of the largest lending institutions with small business loans were ranked. The five top small business lenders for 2006, using the combined ranking criteria, are American Express Bank FSB, Capital One FSB (second in 2005), First Citizen Bancshares Inc., (fourth in 2005), Regions Financial Corporation (first in 2005), and Synovus Financial Corporation (third in 2005). Table 2B. Micro Business Lending of Large Banks and BHCs Based on CRA Data, 2006 Table 2B ranks large lenders’ 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 holding company were first consolidated to generate estimates for the owning company. CRA location-specific information on lenders’ small business lending was the source for the data on the number of states in which the lender has substantial lending operations. Eighty-seven large lending institutions were ranked. The five top small business lenders for 2006 using CRA data are American Express Bank FSB, Capital One FSB (first in 2005), JPMorgan Chase & Co. (fifth in 2005), Wells Fargo and Company (third in 2005), and GE Money Bank (11th in 2005). 12 Table 3A. Top Lenders to Small Businesses in the State Based on Call Report Data, June 2007 Table 3A provides a list of the top institutions lending to small businesses in individual states. The list includes the top 10 or the top 10 percent, whichever number is smaller. (Ties may increase the number.) The small business lending performance of a lender 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 (see Appendix: Data Notes). A lender’s total score is the sum of the four individual decile rankings multiplied by 2.5 to attain a possible score of 100. Decile rankings range from 1 to 10. 13 A complete ranking of all lending institutions in each state is provided on the Advocacy website, www.sba.gov/advo/research/lending.html The small business lending activities of American Express Centurion Bank were transferred to American Express Bank after its March 2004 reorganization. 13 12 See data notes for detailed information on decile rankings. Small Business and Micro Business Lending, 2006-2007 10 Note again that Call Report data are keyed to the institution’s headquarters location rather than the location of the lending activity. A significant amount of lending activity by large lending institutions takes place in states other than the one in which the headquarters is located. Table 3B. Top Micro Business Lending by Lending Institutions in the State Based on Call Report Data, June 2007 Table 3B provides a list of lending institutions making micro business loans (loans under $100,000) in individual states. The list includes the top 10 lenders or the top 10 percent, whichever number is smaller. (Ties may increase the number.) The micro business lending performance of a lender in a given state is measured on four criteria. The four rankings were summed to create a score for the micro business lending activities of individual lenders. 14 A lender’s total score is the sum of the four individual decile rankings multiplied by 2.5 to attain a possible score of 100. A complete ranking of all lending institutions in each state is provided on the Advocacy website, www.sba.gov/advo/research/lending.html Table 4A. Top Small Business Lenders in the State Based on CRA Report Data, 2006 State lending information for large lending institutions 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 lending institutions with small business lending of more than $50 million in a given state in 2006. Data for the members of a holding company were consolidated first to generate estimates for the parent holding company. Consolidated estimates were then derived for each holding company in each state. Rankings are based solely on the dollar amount of small business lending (loans under $1 million) in this table because of the difficulty of generating two ratio variables for these institutions by state. Clearly, large lending institutions appear more important in the small business loan markets in many states. Table 4B. Top Micro Business Lenders in the State Based on CRA Report Data, 2006 Table 4B provides a list of top micro business lenders in a given state using CRA data. The list includes lending institutions with micro business lending of more than $10 million in a given state in 2006. 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. 14 See data notes for detailed information on decile rankings. Small Business and Micro Business Lending, 2006-2007 11 Appendix: Data Notes Ranking Methodology and Table Descriptions When possible, four variables were used to create a total score for the small business lending activities of individual lenders: (1) the ratio of small business loans to total assets, (2) the ratio of small business loans to total business loans, (3) the dollar value of small business loans, and (4) the number of small business loans. The total ranking summarizes the four individual scores. Small lending institutions tend to score higher in some categories than larger lending institutions, and vice versa. For example, smaller lenders have a higher percentage of total assets in small business loans, but larger lenders lead in the sheer number and value of small loans. Using two ratio variables and two value variables permits a more balanced measure of lending performance by lenders of different sizes. 15 For large lending institutions in the Call Reports (Tables 1A and 1B), simple rankings from 1 up were performed for each of the four variables first, with “1” as the top ranking. The four individual rankings were summed and re-ranked from 1 up to produce a total rank. For lending institutions in the CRA data (Tables 2A and 2B), ratio information was retrieved from Call Report data and used in combination with information from the CRA to perform Advocacy’s four-variable scheme for ranking. Again, simple rankings were performed and summed to obtain total rankings. For rankings of all reporting lending institutions in a state based on Call Report data (Tables 3A and 3B), a decile ranking is used instead of a simple ranking. This is justified because of the much larger number of lending institutions in a given state. The decile ranking is a measure of where the individual lender falls in the distribution of all lenders within a state for any given variable. Decile rankings range from 1 to 10. Lending institutions in the top 10 percent of all lenders in the state receive the maximum score of 10; banks in the lowest 10 percent receive a score of 1. Lending institutions that do not lend to small businesses (loans under $1 million) receive a 0. Four top scores will sum to 40. To make the top score total 100 rather than 40, each score is multiplied by 2.5. For state lending using the CRA data (Tables 4A and 4B), banks were listed in order of the dollar amount of small business loans made in each state in the year. Obviously, large institutions appear at the top. The exception is those financial holding companies that organize special credit lending institutions such as a federal savings bank or commercial bank to conduct business lending. For example, by organizing a special business lending savings bank, American Express Savings Bank will have even higher values for the two ratio criteria used in the ranking process. 15 Small Business and Micro Business Lending, 2006-2007 12 Variables Used in Tables Variable Acronym LSBL SSBL LSBL (2) TBL TA CRD Definition Small Business Loans (<$1 Million) Micro Business Loans (<$100,000) Larger Small Business Loans ($100,000 -<$1 Million) Total Business Loans Total Assets Credit Cards Small Business and Micro Business Lending, 2006-2007 13 Table Descriptions Table 1A: Small Business Lending of Large Lending Institutions in the United States Using Call Report Data, June 2007 This table uses Call Report data to rank the small business lending of the large lending institutions on the basis of four criteria that measure the emphasis on small business lending in a lender’s loan portfolio. Small business loans (SBLs) are defined as loans under $1 million. Numbers in parentheses represent columns in the table. (1) Overall Ranking (Total Rank). Summary of small business lending rankings of large lending institutions with respect to loans under $1 million. A simple ranking of 1 and up is made for each of the four criteria and the total rank derived from the sum of the four rankings from variables is found in columns 2-5. Ratio of Small Business Loans to Total Business Loans (LSBL/TBL). For the 100 large lending institutions, the ratios of the value of small business lending to total business lending ranged from 0 to 1.0 percent (for American Express Bank FSB). Ratio of Small Business Loans to Total Assets (LSBL/TA). The ratio of the dollar value of small business loans under $1 million to total domestic assets for each lending institution. For the 100 large lending institutions, the ratios of small business loans to total assets ranged from near 0 percent to a high of 0.487 (for American Express Bank FSB). Total Dollar Amount of Small Business Lending by the Lending Institution (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million. Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million. Lending Institution Asset Size Class (Inst. Asset Size). Domestic asset size class of the lending institution: • • (7) (8) (9) (10) (11) $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) (2) (3) (4) (5) (6) Total Dollar Amount of Micro Business Loans (SSBL$). Similar to column 4, but for loans of less than $100,000 (in thousands of dollars). Total Number of Micro Business Loans (SSBL#). Similar to column 5, but for loans of less than $100,000. Total Dollar Amount of Larger Small Business Loans (LSBL(2)$). Similar to column 4, but for loans between $100,000 and $1 million (in thousands of dollars). Total Number of Larger Small Business Loans (LSBL(2)#). Similar to column 5, but for loans between $100,000 and $1 million. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. 14 Small Business and Micro Business Lending, 2006-2007 Table 1B: Micro Business Lending of Large Lending Institutions in the United States Using Call Report Data, June 2007 This table uses Call Report data to rank the micro business lending of the large lending institutions on the basis of four criteria that measure the emphasis on micro business lending in a lender’s loan portfolio. Micro business loans (SSBLs) are defined as loans under $100,000. Numbers in parentheses represent columns in the table. (1) Overall Ranking (Total Rank). Summary rankings of large lending institutions 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 the variables found in columns 2 through 5. Ratio of Micro Business Loans to Total Assets (SSBL/TA). The ratio of the total dollar value of micro business loans under $100,000 to the total assets for each lending institution. For the 100 largest lending institutions, the ratios of micro business loans to total assets ranged from 0 to 0.487 percent (for American Express Bank FSB). Ratio of Micro Business Loans to Total Business Loans (SSBL/TBL). For the 100 large lending institutions, the ratios of the value of micro business lending to total business lending ranged from 0 to 1.0 percent (for American Express Bank FSB). Total Dollar Amount of Micro Business Lending by the Lending Institution (SSBL$). The total dollar amount (in thousands) of loans less than $100,000. Total Number of Micro Business Loans (SSBL#). The number of loans less than $100,000. Lending Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institution: • • (7) (8) (9) (10) (11) $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) (2) (3) (4) (5) (6) Total Dollar Amount of Small Business Loans (LSBL$). Similar to column 4, but for loans of less than $1 million (in thousands of dollars). Total Number of Small Business Loans (LSBL#). Similar to column 5, but for loans of less than $1 million. Total Dollar Amount of Larger Small Business Loans (LSBL(2)$). Similar to column 4, but for loans between $100,000 and $1 million (in thousands of dollars). Total Number of Larger Small Business Loans (LSBL(2)#). Similar to column 5, but for loans between $100,000 and $1 million. Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Small Business and Micro Business Lending, 2006-2007 15 Table 2A: Small Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Table 2A uses both CRA and Call Report data to rank-order the 87 largest lending institutions on the basis of four criteria that measure the small business lending performance for a lender. Two ratio variables were derived from the Call Reports while the two value variables are from the CRA data. Numbers in parentheses represent columns in the table. (1) Total Rank. Summary “small business performance” rankings of the lending institution with respect to loans under $1 million. A simple ranking of 1 through 87 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 variables used are described in this table in columns 2 through 5. 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 lending institution. A high ratio indicates a lender’s willingness to place a large portion of its assets in small business lending. Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each lender. Lending institutions that make business loans predominantly to small firms will rank high in this category. Total Dollar Amount of Small Business Lending by the Lending Institutions (LSBL$). The total dollar amount (in thousands) of small business loans of less than $1 million. Total Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million. States with Loans (No. of States w/ Loans). The number of states (and territories) where the lender extended small business loans. Lending Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institution: • • (8) $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) (2) (3) (4) (5) (6) (7) Total Dollar Amount of Micro Business Loans under $100,000 by the Lending Institution (SSBL$). Similar to column 4, but for loans of less than $100,000 (in thousands of dollars). Total Number of Micro Business Loans under $100,000 by the Lending Institution (SSBL#). Similar to column 5, but for loans of less than $100,000. (9) Small Business and Micro Business Lending, 2006-2007 16 Table 2B: Micro Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Table 2B uses both CRA and Call Report data to rank order 87 large lending institutions on the basis of four criteria that measure the micro business lending performance for a lending institution. Two ratio variables were derived from the Call Reports. The four individual scores will be provided in the tables on the website. Numbers in parentheses represent columns in the table. (1) Total Rank. Summary “micro business performance” rankings of lending institutions with respect to loans under $1 million. A simple ranking of 1 through 87 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. Ratio of Micro Business Loans to Total Assets (SSBL/TA). This column shows the ratio of micro business loans (<$100,000) to total assets for each lending institution. A high ratio indicates a lender’s willingness to place a large portion of its assets in small business lending. Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (SSBL/TBL). The ratio of micro business loans (<$100,000) to total business loans for each bank. Lenders that make business loans predominantly to small firms will rank high in this category. Total Dollar Amount of Micro Business Lending by the Lending Institution (SSBL$). The total dollar amount (in thousands) of micro business loans of less than $100,000. Total Number of Micro Business Loans (SSBL#). The number of micro business loans of less than $100,000. States with Loans (No. States w/Loans). The number of states (and territories) where the lender extended micro business loans. Institution Asset Size Class (Inst. Asset Size). Asset size class of the lending institutions: • • (8) $10 billion to under $50 billion ($10B–$50B) $50 billion and over (>$50B) (2) (3) (4) (5) (6) (7) Total Dollar Amount of Small Business Loans by the Lending Institution (LSBL$). Similar to column 4, but for loans of less than $1 million (in thousands of dollars). Total Number of Small Business Loans by the Lending Institution (LSBL#). Similar to column 5, but for loans of less than $1 million. (9) Small Business and Micro Business Lending, 2006-2007 17 Table 3A: Top Small Business Lending of Lending Institutions by State Using Call Report Data, June 2007 (1) Total Score (Total Rank). The total rank found in the first column is the score of the lender in the state in which it is listed. The number is the aggregate measure of small business lending activity based on the sum of the four individual decile scores provided on the website. 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 lending institution. A high ratio indicates a lender’s willingness to place a large portion of its assets in small business lending. Ratio of the Dollar Amount of Small Business Loans to Total Business Loans (LSBL/TBL). The ratio of small business loans (<$1 million) to total business loans for each bank. Lenders that make business loans predominantly to small firms will rank high in this category. Total Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of small business loans (<$1 million) outstanding as of June 30, 2006, from the lending institution. Larger lenders will score well in this column and in column 5 because their size allows them to make more small loans than smaller lenders, even if their commitment to small business lending, as shown by the ratios in columns 2 and 3, is low. Total Number of Small Business Loans (LSBL#). The total number of small business loans (<$1 million) outstanding for each lending institution. Institution Asset Size (Inst. Asset Sz.). The asset size class of the reporting lending institution: • • • • • (7) 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) (2) (3) (4) (5) (6) Total Score of Micro Business Loans (Total Rank). The total score of the lending institutions based on their micro business lending. The total score is the sum of the four scores with respect to micro business loans of less than $100,000. A firm looking for a loan of less than $100,000 might do well to seek out a lender that ranks high in this column (and/or from table 3B). Dollar Amount of Micro Business Loans (SSBL$). The dollar value (in thousands) of micro business loans of less than $100,000. Number of Micro Business Loans (SSBL#). The number of small business loans of less than $100,000 made by the bank. (8) (9) Small Business and Micro Business Lending, 2006-2007 18 (10) Credit Card Loans to Total Assets (CRD/TA). The ratio of the dollar value of credit card loans to total assets. Table 3B: Top Micro Business Lending of Lending Institutions by State Using Call Report Data, June 2007 (1) Total Score (Total Rank). The total found in the first column is the score of the lending institution 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. 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 lender. A high ratio indicates a lender’s willingness to place a large portion of its assets in small business lending. Ratio of the Dollar Amount of Micro Business Loans to Total Business Loans (SSBL/TBL). The ratio of micro business loans (<$100,000) to total business loans for each lending institution. Lenders that make business loans predominantly to small firms will rank high in this category. Total Dollar Amount of Micro Business Loans (SSBL$). The dollar value (in thousands) of micro business loans (<$100,000) outstanding from the lending institution. Larger lenders will score well in this column and in column 5 because their size allows them to make many small loans, even if their commitment to micro business lending, as shown by the ratios in columns 2 and 3, is low. Total Number of Micro Business Loans (SSBL#). The total number of micro business loans (<$100,000) outstanding for each lending institution. Institution Asset Size (Inst. Asset Sz.). The asset size class of the reporting lending institution: • • • • • (7) 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) (2) (3) (4) (5) (6) Total Score of Small Business Loans (Total Rank). The total score of the lenders 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 $1 million might do well to seek out a lender that ranks high in this column (and/or from Table 3A). Dollar Amount of Small Business Loans (LSBL$). The dollar value (in thousands) of micro business loans of less than $1 million. (8) Small Business and Micro Business Lending, 2006-2007 19 (9) (10) Number of Small Business Loans (LSBL#). The number of small business loans of less than $1 million made by the lender. 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, 2006 Table 4A is formatted differently from Table 3A because only CRA data are used. The table lists the lending institution name—the name of the owning lending institution—as well as the home state of the lending institution. Lenders are ranked on the basis of the dollar amount of small business loans (under $1 million) made in 2006. The table also provides the dollar amount and number of micro loans under $100,000 and larger small business loans between $100,000 and $1 million. Only lenders with small business loan totals of more than $50 million in a given state in 2006 are listed. Numbers in parentheses represent columns in the table. (1) (2) (3) Amount of Small Business Loans (LSBL$). The dollar amount (in thousands) of loans under $1 million made in 2006. Number of Small Business Loans (LSBL#). The number of loans of less than $1 million made. Institution Asset Size (Inst. Asset Size). The total assets of the owning institution by size category: • • • • (4) (5) (6) (7) Under $1 billion (<$1B) $1 billion to under $10 billion ($1B-$10B) $10 billion to under $50 billion ($10B-$50B) $50 billion and over (>$50B) Dollar Amount of Micro Business Loans (SSBL$). The dollar amount (in thousands) of loans of less than $100,000. Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000. Dollar Amount of Larger Small Business Loans (LSBL (2) $). The dollar amount (in thousands) of loans between $100,000 and $1 million. Number of Larger 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, 2006 Table 4B, similar to Table 4A, lists the lending institution’s name—the name of the owning institution or the holding company—as well as the home state of the lending institution. Lenders are ranked on the basis of the dollar amount of loans made in 2006. The table provides the dollar amount and number of micro business loans under $100,000, supplemented by larger small business loans of $100,000 to $1 million and all small business loans under $1 million. Only Small Business and Micro Business Lending, 2006-2007 20 lenders with micro business loan totals of more than $10 million in a given state in 2006 are listed. Numbers in parentheses represent columns in the table. (1) (2) (3) Amount of Micro Business Loans (SSBL$). The dollar amount (in thousands) of loans under $100,000 made in 2006. Number of Micro Business Loans (SSBL#). The number of loans of less than $100,000 million made. Institution Asset Size (Inst. Asset Size). The total assets of the owning institution by size category: • • • • (4) (5) (6) (7) Under $1 billion (<$1B) $1 billion to under $10 billion ($1B-$10B) $10 billion to $50 billion ($10B-$50B) $50 billion and over (>$50B) Dollar Amount of Small Business Loans (LSBL$). The dollar amount (in thousands) of loans of less than $1 million. Number of Small Business Loans (LSBL#). The number of loans of less than $1 million. Dollar Amount of Larger Small Business Loans (LSBL (2)$). The dollar amount (in thousands) of loans between $100,000 and $1 million. Number of Larger Small Business Loans (LSBL (2)#). The number of larger small business loans between $100,000 and $1 million. Small Business and Micro Business Lending, 2006-2007 21 Data Tables All data tables follow page 22, except Tables 3A and 3B, which show data for all lending institutions in the 50 states, the District of Columbia, and selected territories for which data are available. Tables 3A and 3B are found only on Advocacy’s website, www.sba.gov/advo/research/lending.html. Table 1A. Small Business Lending of Large Lending Institutions Based on Call Report Data, June 2007 Table 1B. Micro Business Lending of Large Lending Institutions Based on Call Report Data, June 2007 Table 2A. Small Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2006 Table 2B. Micro Business Lending of Large Lending Institutions in the United States Based on CRA Data, 2006 Table 3A. Top Small Business Lending Institutions by State Based on Call Report Data, June 2007 Table 3A. Expanded. All Small Business Lending Institutions by State Based on Call Report Data, June 2007 www.sba.gov/advo/research/lending.html. Table 3B. Top Micro Business Lending Institutions by State Based on Call Report Data, June 2007 Table 3B. Expanded. All Micro Business Lending Institutions by State Based on Call Report Data, June 2007 www.sba.gov/advo/research/lending.html. Table 4A. Top Small Business Lenders by State Based on CRA Data, 2006 Table 4B. Top Micro Business Lenders by State Based on CRA Data, 2006 Table 5. Number of Reporting Institutions by Asset Size and State, 2006–2007 Small Business and Micro Business Lending, 2006-2007 22 Table 1A. Small Business Lending of Large Lending Institutions in the United States Using Call Report Data, June 2007 Small Business Lending (100k-<$1M) LSBL(2)$ (1,000) (9) 2,083,091 8,648,497 3,882,271 7,354,394 5,603,316 1,702,624 2,649,216 2,307,751 4,344,224 14,801,198 2,422,007 1,521,926 2,019,901 3,281,279 1,774,938 974,596 8,821,547 7,130,483 31,757,971 4,302,947 6,495,649 1,258,194 6,458,619 1,445,925 9,898,327 2,166,949 1,339,655 2,893,563 3,864,649 1,737,974 4,457,372 4,068,064 1,633,724 18,726,000 4,063,909 1,759,833 1,676,849 2,070,480 Small Business Lending (<$1M) Micro Business Lending (<$100k) Institution Asset Size (6) $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B Name of Lending Institution American Express Bank, FSB First Citizens Bancshares Inc. Regions Financial Corporation Synovus Financial Corp. BB&T Corporation Zions Bancorporation Webster Financial Corporation Sky Financial Group Inc. Fulton Financial Corporation Manufacturers & Traders TC GE Money Bank Wells Fargo & Company Compass Bancshares Inc. BancorpSouth Inc. South Financial Group The Popular Inc. Texas St Bk Lauritzen Corporation U.S. Bancorp SunTrust Banks Inc. Bank of America Corporation Citigroup Inc. Fifth Third Bancorp Citizens Banking Corporation National City Corporation Cullen/Frost Bankers Inc. JPMorgan Chase & Co. Huntington Bancshares Incorporated Sterling Financial Corporation TD Banknorth NA Marshall & Ilsley Corporation Colonial Bancgroup Inc. PNC Financial Services Group Inc. KeyCorp Associated Banc-Corp Wachovia Corporation Sovereign Bank First Horizon National Corporation State Farm Bank, FSB RBC Centura Bk Commerce Bancorp Inc. HQ State or Territory Total Rank LSBL/TBL (1) UT NC AL GA NC UT CT OH PA NY UT CA AL MS SC PR TX NE MN GA NC NY OH MI OH TX NY OH WA ME WI AL PA OH WI NC PA TN IL NC NJ 1 2 3 3 5 6 7 8 8 10 11 12 12 14 14 16 16 18 19 20 21 22 23 24 25 25 27 28 28 30 31 31 33 33 35 36 36 36 39 40 41 (2) 1.000 0.652 0.365 0.443 0.368 0.316 0.492 0.409 0.522 0.290 1.000 0.288 0.361 0.509 0.426 0.345 0.482 0.379 0.253 0.268 0.253 0.284 0.264 0.416 0.199 0.356 0.227 0.300 0.430 0.281 0.234 0.374 0.223 0.195 0.305 0.174 0.219 0.298 1.000 0.355 0.328 LSBL/TA (3) 0.487 0.190 0.087 0.135 0.072 0.127 0.135 0.188 0.162 0.103 0.117 0.052 0.083 0.135 0.158 0.097 0.101 0.086 0.054 0.052 0.033 0.020 0.068 0.126 0.054 0.126 0.028 0.072 0.126 0.056 0.078 0.081 0.053 0.062 0.095 0.040 0.061 0.057 0.063 0.073 0.049 LSBL$ (1,000) (4) 10,959,373 2,545,020 10,909,376 4,617,691 8,768,730 6,223,363 2,269,509 3,127,481 2,542,682 5,898,874 1,502,311 24,871,236 2,897,003 1,812,720 2,325,693 3,609,550 2,183,267 1,426,521 12,242,977 9,219,017 43,297,230 12,907,134 7,267,032 1,596,420 7,508,154 1,649,239 21,842,611 2,572,588 1,440,792 3,350,929 4,246,538 1,915,892 6,064,630 5,428,800 1,946,692 19,826,087 5,043,173 2,162,010 869,382 1,849,324 2,368,781 LSBL# (4) 2,087,219 68,011 119,425 47,275 192,782 54,856 33,793 21,723 20,098 60,151 38,553 770,660 61,694 20,145 16,584 27,781 24,644 89,593 575,614 196,042 2,728,806 3,099,876 49,402 10,883 223,584 14,902 2,461,886 22,244 6,626 43,178 26,623 12,868 84,331 70,981 16,043 88,859 48,747 38,616 13,755 13,132 26,407 SSBL$ (1,000) (7) 10,959,373 461,929 2,260,879 735,420 1,414,336 620,047 566,885 478,265 234,931 1,554,650 1,502,311 10,070,038 474,996 290,794 305,792 328,271 408,329 451,925 3,421,430 2,088,534 11,539,259 8,604,187 771,383 338,226 1,049,535 203,314 11,944,284 405,639 101,137 457,366 381,889 177,918 1,607,258 1,360,736 312,968 1,100,087 979,264 402,177 869,382 172,475 298,301 SSBL# (8) 2,087,219 59,718 81,584 24,863 153,552 34,601 26,327 13,134 11,083 44,560 38,553 714,311 53,327 13,228 9,071 14,582 16,679 84,732 536,074 167,883 2,608,452 3,083,791 25,272 4,563 197,600 8,064 2,411,641 13,381 2,761 29,637 11,693 7,245 65,359 51,797 10,846 32,424 31,513 30,520 13,755 6,272 17,369 LSBL(2) # (10) 8,293 37,841 22,412 39,230 20,255 7,466 8,589 9,015 15,591 56,349 8,367 6,917 7,513 13,199 7,965 4,861 39,540 28,159 120,354 16,085 24,130 6,320 25,984 6,838 50,245 8,863 3,865 13,541 14,930 5,623 18,972 19,184 5,197 56,435 17,234 8,096 6,860 9,038 CRD/TA (11) 0.43 0.02 0 0.01 0.01 0 0 0 0 0 0.31 0.03 0.01 0.01 0 0.03 0 0.11 0.04 0 0.05 0.05 0.01 0 0.01 0 0.06 0 0 0.01 0 0 0 0 0 0.01 0 0 0.08 0 0 Page 1 of 94 Table 1A. Small Business Lending of Large Lending Institutions in the United States Using Call Report Data, June 2007 Small Business Lending (100k-<$1M) LSBL(2)$ (1,000) (9) 798,805 2,825,474 916,298 1,333,668 1,037,568 3,751,083 3,384,748 935,273 1,386,906 1,148,439 604,475 265,416 888,172 765,481 1,289,941 671,994 1,456,877 2,220,941 752,649 1,007,110 900,306 728,624 287,536 928,539 66,535 561,602 19,239 5,130 415,840 281,011 966 181,481 455,864 739,975 496,558 350,325 313,454 177,374 154,339 186,637 Small Business Lending (<$1M) Micro Business Lending (<$100k) Institution Asset Size (6) $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $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 $10B-$50B $10B-$50B $10B-$50B Name of Lending Institution First Banks Inc. Bank of the West Firstmerit Corporation Washington Mutual Bank Whitney Holding Corporation Charter One Bk NA Comerica Incorporated Discover Bk Commerce Bancshares Inc. BOK Financial Corporation East West Bancorp Inc. International Bancshares Corporation Bank of Hawaii Corporation Valley National Bancorp Wilmington Trust Corporation Harris NA TCF Financial Corporation Union Bk of CA NA LaSalle Bk NA People's United Bank UBS Bk USA W Holding Company Inc. FBOP Corporation Mid America Bank, FSB HSBC Bk USA NA Hudson City Savings Bank City National Corporation Merrill Lynch Bank & Trust Investors Financial Services Corp. First Republic Bk Astoria FS & LA USAA Federal Savings Bank Guaranty Bank New York Community Bancorp Inc. Merrill Lynch Bk USA Northern Trust Corporation Mellon Financial Corporation First Bancorp MidFirst Bank Flagstar Bank, FSB New York Private Bank & Trust Corp. HQ State or Territory Total Rank LSBL/TBL (1) MO CA OH NV LA OH MI DE MO OK CA TX HI NJ DE IL MN CA IL CT UT PR IL IL DE NJ CA NY MA NV NY TX TX NY UT IL PA PR OK MI NY 42 43 44 45 45 47 48 49 50 51 51 53 54 55 56 57 58 59 60 61 62 63 63 65 66 67 68 69 70 71 71 73 74 75 76 77 77 79 80 81 82 (2) 0.246 0.249 0.343 0.285 0.280 0.189 0.107 1.000 0.262 0.228 0.249 0.328 0.395 0.267 0.236 0.214 0.294 0.108 0.069 0.226 0.232 0.164 0.196 0.365 0.078 1.000 0.113 0.459 1.000 0.183 0.267 1.000 0.102 0.123 0.037 0.091 0.161 0.093 0.066 0.135 0.103 LSBL/TA (3) 0.097 0.047 0.097 0.008 0.110 0.031 0.063 0.006 0.071 0.073 0.108 0.068 0.051 0.077 0.077 0.033 0.051 0.033 0.023 0.063 0.045 0.054 0.056 0.030 0.009 0.002 0.040 0.002 0.000 0.035 0.013 0.000 0.020 0.016 0.013 0.013 0.010 0.020 0.016 0.010 0.012 LSBL$ (1,000) (4) 1,015,873 3,319,936 1,013,451 2,425,368 1,169,171 5,032,563 3,610,654 161,083 1,095,333 1,545,832 1,164,507 701,537 516,441 943,569 844,595 1,434,926 764,109 1,839,820 2,608,014 782,972 1,049,785 963,372 779,598 307,001 1,415,848 66,650 618,872 21,130 5,400 446,273 290,241 966 310,069 473,901 769,675 587,249 378,917 328,374 189,886 158,061 188,651 LSBL# (4) 42,778 34,533 7,074 91,848 9,410 53,679 22,172 64,550 11,374 8,286 3,425 6,156 9,647 5,020 8,037 21,617 6,034 25,839 18,847 3,239 3,595 4,749 3,636 1,680 47,024 162 4,220 96 16 1,911 1,047 3 4,558 2,125 5,701 3,289 2,378 1,445 1,169 488 541 SSBL$ (1,000) (7) 217,068 494,462 97,153 1,091,700 131,603 1,281,480 225,906 161,083 160,060 158,926 16,068 97,062 251,025 55,397 79,114 144,985 92,115 382,943 387,073 30,323 42,675 63,066 50,974 19,465 487,309 115 57,270 1,891 270 30,433 9,230 128,588 18,037 29,700 90,691 28,592 14,920 12,512 3,722 2,014 SSBL# (8) 39,123 24,425 3,195 87,788 5,126 39,133 9,233 64,550 6,967 4,324 367 3,573 8,702 1,819 4,835 16,940 3,083 19,174 11,218 778 1,026 1,779 1,544 654 43,401 2 1,591 37 6 756 428 4,088 796 1,468 1,220 958 360 490 124 27 LSBL(2) # (10) 3,655 10,108 3,879 4,060 4,284 14,546 12,939 4,407 3,962 3,058 2,583 945 3,201 3,202 4,677 2,951 6,665 7,629 2,461 2,569 2,970 2,092 1,026 3,623 160 2,629 59 10 1,155 619 3 470 1,329 4,233 2,069 1,420 1,085 679 364 514 CRD/TA (11) 0 0 0.01 0.03 0 0.01 0 0.74 0.04 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.1 0 0 0 0 0 0 0.21 0 0 0 0 0 0 0 0 0 Page 2 of 94 Table 1A. Small Business Lending of Large Lending Institutions in the United States Using Call Report Data, June 2007 Small Business Lending (100k-<$1M) LSBL(2)$ (1,000) (9) 161,894 100,666 16,666 33,670 4,926 10,214 5 22 20 4 14 4,529,698 1,077,188 1 34,657 12,000 1,688 5,518 4,000 1,783 680 366 5,449,522 22,623 Small Business Lending (<$1M) Micro Business Lending (<$100k) Institution Asset Size (6) $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B >$50B 703 56 213 15 13 65 76 30 7 11 3 1 3 - Name of Lending Institution Lehman Brothers Bank, FSB Chevy Chase Bank, FSB. Charles Schwab Corporation The BankUnited, FSB Downey S & LA, F.A. Countrywide Bank, FSB GMAC Bk Bank of New York Company Inc. Amtrust Bank Indymac Bank, F.S.B. Deutsche Bk TC Americas Goldman Sachs Bk USA State Street Corporation Morgan Stanley Bk E*TRADE Bank Fremont Inv & Loan ING Bank, FSB Capital One Financial Corporation HQ State or Territory Total Rank LSBL/TBL (1) DE VA CA FL CA VA UT NY OH CA NY UT MA UT VA CA DE VA 83 84 85 86 87 88 89 90 91 92 93 94 95 96 NR NR NR NR (2) 0.037 0.106 0.164 0.060 0.181 0.110 0.051 0.015 0.056 0.020 0.001 0.031 0.040 0.000 0.000 0.000 0.000 0.000 LSBL/TA (3) 0.009 0.007 0.001 0.003 0.000 0.000 0.001 0.000 0.000 0.000 0.000 0.000 0.000 0.000 - LSBL$ (1,000) (4) 179,971 102,718 16,850 38,732 4,926 10,214 34,991 13,000 1,963 5,518 4,000 1,783 680 380 - LSBL# (4) 2,567 SSBL$ (1,000) (7) 18,077 2,052 184 5,062 334 1,000 275 - SSBL# (8) 1,399 181 8 117 - LSBL(2) # (10) 1,168 522 48 96 15 13 60 54 10 7 7 3 1 2 CRD/TA (11) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. Page 3 of 94 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2007 Small Business Lending ($100k-<$1M) Micro Business Lending (<$100k) HQ State or Territory UT VA NY CA NY UT MN NY AL NC NE NC IL CT GA PA NC OH GA NV AL OH TX HI OH MS MO PA MI OH DE TN UT SC WI OH ME PA CA OH TX PR DE NJ CA NC Total Rank (1) 1 2 3 4 5 5 7 8 9 10 11 11 11 14 15 16 17 18 19 20 21 22 23 24 25 26 27 27 29 30 30 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 Institution Asset Size (6) $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B Small Business Lending (<$1M) Name of Lending Institution American Express Bank, FSB Capital One Financial Corporation JPMorgan Chase & Co. Wells Fargo & Company Citigroup Inc. GE Money Bank U.S. Bancorp Manufacturers & Traders TC Regions Financial Corporation Bank of America Corporation Lauritzen Corporation First Citizens BancShares Inc. State Farm Bank, FSB Webster Financial Corporation SunTrust Banks Inc. PNC Financial Services Group Inc. BB&T Corporation KeyCorp Synovus Financial Corp. Washington Mutual Bank Compass BancShares Inc. Sky Financial Group Inc. Texas St Bk Bank of Hawaii Corporation Charter One Bk NA BancorpSouth Inc. First Banks Inc. Sovereign Bank Citizens Banking Corporation National City Corporation Discover Bk First Horizon National Corporation Zions Bancorporation South Financial Group The Associated Banc-Corp Huntington BancShares Incorporated TD Banknorth NA Fulton Financial Corporation Bank of The West Fifth Third Bancorp Cullen/Frost Bankers Inc. Popular Inc. HSBC Bk USA NA Commerce Bancorp Inc. Union Bk of CA NA Wachovia Corporation SSBL/TA (2) 0.487 0.036 0.015 0.021 0.014 0.117 0.015 0.027 0.018 0.009 0.027 0.034 0.063 0.034 0.012 0.014 0.012 0.016 0.022 0.004 0.014 0.029 0.019 0.025 0.008 0.022 0.021 0.012 0.027 0.008 0.006 0.011 0.013 0.021 0.015 0.011 0.008 0.015 0.007 0.007 0.016 0.009 0.003 0.006 0.007 0.002 SSBL/TBL SSBL$ (1,000) (3) 1.000 0.210 0.124 0.117 0.190 1.000 0.071 0.076 0.076 0.067 0.120 0.118 1.000 0.123 0.061 0.059 0.059 0.049 0.071 0.128 0.059 0.062 0.090 0.192 0.048 0.082 0.053 0.043 0.088 0.028 1.000 0.055 0.031 0.056 0.049 0.047 0.038 0.048 0.037 0.028 0.044 0.031 0.027 0.041 0.022 0.010 (4) 10,959,373 4,529,698 11,944,284 10,070,038 8,604,187 1,502,311 3,421,430 1,554,650 2,260,879 11,539,259 451,925 461,929 869,382 566,885 2,088,534 1,607,258 1,414,336 1,360,736 735,420 1,091,700 474,996 478,265 408,329 251,025 1,281,480 290,794 217,068 979,264 338,226 1,049,535 161,083 402,177 620,047 305,792 312,968 405,639 457,366 234,931 494,462 771,383 203,314 328,271 487,309 298,301 382,943 1,100,087 SSBL# (5) 2,087,219 1,077,188 2,411,641 714,311 3,083,791 38,553 536,074 44,560 81,584 2,608,452 84,732 59,718 13,755 26,327 167,883 65,359 153,552 51,797 24,863 87,788 53,327 13,134 16,679 8,702 39,133 13,228 39,123 31,513 4,563 197,600 64,550 30,520 34,601 9,071 10,846 13,381 29,637 11,083 24,425 25,272 8,064 14,582 43,401 17,369 19,174 32,424 LSBL$ (1,000) (7) 10,959,373 21,842,611 24,871,236 12,907,134 1,502,311 12,242,977 5,898,874 10,909,376 43,297,230 1,426,521 2,545,020 869,382 2,269,509 9,219,017 6,064,630 8,768,730 5,428,800 4,617,691 2,425,368 2,897,003 3,127,481 2,183,267 516,441 5,032,563 1,812,720 1,015,873 5,043,173 1,596,420 7,508,154 161,083 2,162,010 6,223,363 2,325,693 1,946,692 2,572,588 3,350,929 2,542,682 3,319,936 7,267,032 1,649,239 3,609,550 1,415,848 2,368,781 1,839,820 19,826,087 LSBL# (8) 2,087,219 2,461,886 770,660 3,099,876 38,553 575,614 60,151 119,425 2,728,806 89,593 68,011 13,755 33,793 196,042 84,331 192,782 70,981 47,275 91,848 61,694 21,723 24,644 9,647 53,679 20,145 42,778 48,747 10,883 223,584 64,550 38,616 54,856 16,584 16,043 22,244 43,178 20,098 34,533 49,402 14,902 27,781 47,024 26,407 25,839 88,859 LSBL(2)$ (1,000) (9) 5,449,522 9,898,327 14,801,198 4,302,947 8,821,547 4,344,224 8,648,497 31,757,971 974,596 2,083,091 1,702,624 7,130,483 4,457,372 7,354,394 4,068,064 3,882,271 1,333,668 2,422,007 2,649,216 1,774,938 265,416 3,751,083 1,521,926 798,805 4,063,909 1,258,194 6,458,619 1,759,833 5,603,316 2,019,901 1,633,724 2,166,949 2,893,563 2,307,751 2,825,474 6,495,649 1,445,925 3,281,279 928,539 2,070,480 1,456,877 18,726,000 LSBL(2)# CRD/TA (10) 0 22,623 50,245 56,349 16,085 39,540 15,591 37,841 120,354 4,861 8,293 7,466 28,159 18,972 39,230 19,184 22,412 4,060 8,367 8,589 7,965 945 14,546 6,917 3,655 17,234 6,320 25,984 8,096 20,255 7,513 5,197 8,863 13,541 9,015 10,108 24,130 6,838 13,199 3,623 9,038 6,665 56,435 (11) 0.43 0 0.06 0.03 0.05 0.31 0.04 0 0 0.05 0.11 0.02 0.08 0 0 0 0.01 0 0.01 0.03 0.01 0 0 0 0.01 0.01 0 0 0 0.01 0.74 0 0 0 0 0 0.01 0 0 0.01 0 0.03 0.1 0 0 0.01 Page 4 of 94 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2007 Small Business Lending ($100k-<$1M) Micro Business Lending (<$100k) HQ State or Territory MO WI LA TX AL TX NC OH OK WA IL IL MN DE MI NJ PR IL CA IL IL NV UT MA PA CT NY DE NY UT NY OK PR CA FL MI VA OH NY NY CA UT NJ UT TX NY Total Rank (1) 47 48 48 50 51 52 53 54 55 55 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 71 71 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 88 90 91 92 Institution Asset Size (6) $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 >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$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 $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B Small Business Lending (<$1M) Name of Lending Institution Commerce BancShares Inc. Marshall & Ilsley Corporation Whitney Holding Corporation International BancShares Corporation Colonial BancGroup Inc. Guaranty Bank RBC Centura Bk FirstMerit Corporation Bok Financial Corporation Sterling Financial Corporation Lasalle Bk NA Harris NA TCF Financial Corporation Wilmington Trust Corporation Comerica Incorporated Valley National Bancorp W Holding Company Inc. FBOP Corporation City National Corporation Northern Trust Corporation Mid America Bank, FSB First Republic Bk UBS Bk USA Investors Financial Services Corp. Mellon Financial Corporation People's United Bank Merrill Lynch Bank & Trust Lehman Brothers Bank, FSB New York Community Bancorp Inc. Merrill Lynch Bk USA Astoria FS&LA Midfirst Bank First Bancorp East West Bancorp Inc. BankUnited, FSB Flagstar Bank, FSB Chevy Chase Bank, F.S.B. AmTrust Bank New York Private Bank & Trust Corp. Bank of New York Company Inc. Charles Schwab Corporation The GMAC Bk Hudson City Savings Bank Morgan Stanley Bk USAA Federal Savings Bank Deutsche Bk TC Americas SSBL/TA (2) 0.010 0.007 0.012 0.009 0.007 0.008 0.007 0.009 0.008 0.009 0.003 0.003 0.006 0.007 0.004 0.005 0.004 0.004 0.004 0.002 0.002 0.002 0.002 0.000 0.001 0.002 0.000 0.001 0.001 0.000 0.000 0.001 0.001 0.001 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 SSBL/TBL SSBL$ (1,000) (3) 0.038 0.021 0.032 0.045 0.035 0.042 0.033 0.033 0.023 0.030 0.010 0.022 0.035 0.022 0.007 0.016 0.011 0.013 0.010 0.014 0.023 0.012 0.009 0.050 0.012 0.009 0.041 0.004 0.005 0.001 0.008 0.004 0.004 0.003 0.008 0.003 0.002 0.008 0.001 0.001 0.002 0.000 0.002 0.000 0.000 0.000 (4) 160,060 381,889 131,603 97,062 177,918 128,588 172,475 97,153 158,926 101,137 387,073 144,985 92,115 79,114 225,906 55,397 63,066 50,974 57,270 90,691 19,465 30,433 42,675 270 28,592 30,323 1,891 18,077 18,037 29,700 9,230 12,512 14,920 16,068 5,062 3,722 2,052 275 2,014 1,000 184 334 115 14 - SSBL# (5) 6,967 11,693 5,126 3,573 7,245 4,088 6,272 3,195 4,324 2,761 11,218 16,940 3,083 4,835 9,233 1,819 1,779 1,544 1,591 1,220 654 756 1,026 6 958 778 37 1,399 796 1,468 428 490 360 367 117 124 181 20 27 22 8 5 2 1 4 LSBL$ (1,000) (7) 1,095,333 4,246,538 1,169,171 701,537 1,915,892 310,069 1,849,324 1,013,451 1,545,832 1,440,792 2,608,014 1,434,926 764,109 844,595 3,610,654 943,569 963,372 779,598 618,872 587,249 307,001 446,273 1,049,785 5,400 378,917 782,972 21,130 179,971 473,901 769,675 290,241 189,886 328,374 1,164,507 38,732 158,061 102,718 1,963 188,651 13,000 16,850 34,991 66,650 380 966 4,000 (8) LSBL# 11,374 26,623 9,410 6,156 12,868 4,558 13,132 7,074 8,286 6,626 18,847 21,617 6,034 8,037 22,172 5,020 4,749 3,636 4,220 3,289 1,680 1,911 3,595 16 2,378 3,239 96 2,567 2,125 5,701 1,047 1,169 1,445 3,425 213 488 703 30 541 76 56 65 162 3 3 11 LSBL(2)$ (1,000) (9) 935,273 3,864,649 1,037,568 604,475 1,737,974 181,481 1,676,849 916,298 1,386,906 1,339,655 2,220,941 1,289,941 671,994 765,481 3,384,748 888,172 900,306 728,624 561,602 496,558 287,536 415,840 1,007,110 5,130 350,325 752,649 19,239 161,894 455,864 739,975 281,011 177,374 313,454 1,148,439 33,670 154,339 100,666 1,688 186,637 12,000 16,666 34,657 66,535 366 966 4,000 LSBL(2)# CRD/TA (10) 4,407 14,930 4,284 2,583 5,623 470 6,860 3,879 3,962 3,865 7,629 4,677 2,951 3,202 12,939 3,201 2,970 2,092 2,629 2,069 1,026 1,155 2,569 10 1,420 2,461 59 1,168 1,329 4,233 619 679 1,085 3,058 96 364 522 10 514 54 48 60 160 2 3 7 (11) 0.04 0 0 0 0 0 0 0.01 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.21 0 Page 5 of 94 Table 1B. Micro Business Lending of Large Banks and BHCs in the U.S. Using Call Report Data, June 2007 Small Business Lending ($100k-<$1M) Micro Business Lending (<$100k) HQ State or Territory Total Rank Institution Asset Size (6) $10B-$50B >$50B $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B Small Business Lending (<$1M) Name of Lending Institution SSBL/TA SSBL/TBL SSBL$ (1,000) (4) - SSBL# (5) - LSBL$ (1,000) (7) 4,926 10,214 5,518 1,783 680 (8) LSBL# 15 13 7 3 1 - LSBL(2)$ (1,000) (9) 4,926 10,214 5,518 1,783 680 - LSBL(2)# CRD/TA (10) 15 13 7 3 1 (11) 0 0 0 0 0 0 0 0 (1) (2) (3) Downey S & LA, F.A. CA NR 0.000 0.000 Countrywide Bank, FSB VA NR 0.000 0.000 IndyMac Bank, F.S.B. CA NR 0.000 0.000 Goldman Sachs Bk USA UT NR 0.000 0.000 State Street Corporation MA NR 0.000 0.000 E*TRADE Bank VA NR 0.000 0.000 Fremont Inv & Loan CA NR 0.000 0.000 ING Bank, FSB DE NR 0.000 0.000 Source: U.S. Small Business Administration, Office of Advocacy, from Call Report data. Page 6 of 94 Table 2A. Small Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) UT VA NC AL GA NC UT VA CT OH PA NY UT CA AL SC MS PR PR MN NE NC GA NY OH OH NY MI TX WA OH OH PA ME WI AL NC WI PA TN IL NC NJ MO CA OH 1 2 3 4 4 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 27 29 30 31 31 33 33 35 35 37 38 39 40 41 42 43 44 45 46 Name of Lending Institution American Express Bk FSB Capital One FSB. First Citizens Bancshares Inc Regions Financial Corporation Synovus Financial Corp. BB&T Corporation Zions Bancorporation Capital One Financial Corporation Webster Financial Corporation Sky Financial Group Inc. Fulton Financial Corporation Manufacturers & Traders Trust GE Money Bank Wells Fargo & Company Compass Bancshares Inc. South Financial Group The BancorpSouth Inc. Popular Inc. BBVA Puerto Rico U.S. Bancorp Lauritzen Corporation Bank of America Corporation SunTrust Banks Inc. Citigroup Inc. Fifth Third Bancorp National City Corporation JPMorgan Chase & Co. Citizens Banking Corporation Cullen/Frost Bankers Inc. Sterling Financial Corporation KeyCorp Huntington Bancshares Incorp. PNC Financial Services Group TD Banknorth NA Marshall & Ilsley Corporation Colonial Bancgroup Inc. Wachovia Corporation Associated Banc-Corp Sovereign Bank First Horizon National Corporation State Farm Bank Fsb RBC Centura Commerce Bancorp Inc. First Banks Inc. Bank of the West Firstmerit Corporation LSBL/TA (2) 0.487 0.186 0.190 0.087 0.135 0.072 0.127 0.062 0.135 0.188 0.162 0.103 0.117 0.052 0.083 0.158 0.135 0.097 0.101 0.054 0.086 0.033 0.052 0.020 0.068 0.054 0.028 0.126 0.126 0.126 0.062 0.072 0.053 0.056 0.078 0.081 0.040 0.095 0.061 0.057 0.063 0.073 0.049 0.097 0.047 0.097 LSBL/TBL (3) 1.000 0.969 0.652 0.365 0.443 0.368 0.316 0.370 0.492 0.409 0.522 0.290 1.000 0.288 0.361 0.426 0.509 0.345 0.482 0.253 0.379 0.253 0.268 0.284 0.264 0.199 0.227 0.416 0.356 0.430 0.195 0.300 0.223 0.281 0.234 0.374 0.174 0.305 0.219 0.298 1.000 0.355 0.328 0.246 0.249 0.343 LSBL$ (1,000) (4) 10,959,373 3,261,047 2,545,020 10,909,376 4,617,691 8,768,730 6,223,363 6,718,173 2,269,509 3,127,481 2,542,682 5,898,874 1,502,311 24,871,236 2,897,003 2,325,693 1,812,720 3,609,550 2,183,267 12,242,977 1,426,521 43,297,230 9,219,017 12,907,134 7,267,032 7,508,154 21,842,611 1,596,420 1,649,239 1,440,792 5,428,800 2,572,588 6,064,630 3,350,929 4,246,538 1,915,892 19,826,087 1,946,692 5,043,173 2,162,010 869,382 1,849,324 2,368,781 1,015,873 3,319,936 1,013,451 No. of State and Territories LSBL# w/Loans (5) (6) 2,087,219 974,764 68,011 119,425 47,275 192,782 54,856 125,047 33,793 21,723 20,098 60,151 38,553 770,660 61,694 16,584 20,145 27,781 24,644 575,614 89,593 2,728,806 196,042 3,099,876 49,402 223,584 2,461,886 10,883 14,902 6,626 70,981 22,244 84,331 43,178 26,623 12,868 88,859 16,043 48,747 38,616 13,755 13,132 26,407 42,778 34,533 7,074 55 52 23 41 42 44 45 34 10 18 19 31 51 52 38 23 22 41 14 51 51 54 49 55 37 46 51 17 16 12 40 35 42 22 44 18 50 26 47 46 50 20 15 29 48 23 Micro Business Lending (<$100k) Institution Asset Size (7) $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B SSBL$ (1,000) (8) 10,959,373 3,223,781 461,929 2,260,879 735,420 1,414,336 620,047 1,305,917 566,885 478,265 234,931 1,554,650 1,502,311 10,070,038 474,996 305,792 290,794 328,271 408,329 3,421,430 451,925 11,539,259 2,088,534 8,604,187 771,383 1,049,535 11,944,284 338,226 203,314 101,137 1,360,736 405,639 1,607,258 457,366 381,889 177,918 1,100,087 312,968 979,264 402,177 869,382 172,475 298,301 217,068 494,462 97,153 SSBL# (9) 2,087,219 974,462 59,718 81,584 24,863 153,552 34,601 102,726 26,327 13,134 11,083 44,560 38,553 714,311 53,327 9,071 13,228 14,582 16,679 536,074 84,732 2,608,452 167,883 3,083,791 25,272 197,600 2,411,641 4,563 8,064 2,761 51,797 13,381 65,359 29,637 11,693 7,245 32,424 10,846 31,513 30,520 13,755 6,272 17,369 39,123 24,425 3,195 Page 7 of 94 Table 2A. Small Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) LSBL$ (1,000) (4) No. of State and Territories LSBL# w/Loans (5) (6) 91,848 9,410 53,679 22,172 64,550 11,374 8,286 3,425 6,156 9,647 5,020 8,037 21,617 25,839 6,034 18,847 4,749 3,636 1,680 47,024 142 43 4,220 1,911 1,047 5,701 4,558 2,125 3,289 2,378 1,445 1,169 488 541 2,567 703 56 213 492 76 11 52 30 30 48 54 45 30 17 13 7 6 9 29 17 9 34 1 18 4 37 6 23 26 13 1 50 11 3 21 27 2 12 12 9 11 7 9 3 2 11 1 Micro Business Lending (<$100k) Institution Asset Size (7) >$50B $10B-$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B $10B-$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 $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B $10B-$50B Name of Lending Institution LSBL/TA (2) LSBL/TBL (3) SSBL$ (1,000) (8) 1,091,700 131,603 1,281,480 225,906 161,083 160,060 158,926 16,068 97,062 251,025 55,397 79,114 144,985 382,943 92,115 387,073 63,066 50,974 19,465 487,309 881 68 57,270 30,433 9,230 29,700 128,588 18,037 90,691 28,592 14,920 12,512 3,722 2,014 18,077 2,052 184 5,062 4,035 1,000 0 SSBL# (9) 87,788 5,126 39,133 9,233 64,550 6,967 4,324 367 3,573 8,702 1,819 4,835 16,940 19,174 3,083 11,218 1,779 1,544 654 43,401 142 43 1,591 756 428 1,468 4,088 796 1,220 958 360 490 124 27 1,399 181 8 117 491 22 4 Washington Mutual Bank NY 47 0.008 0.285 2,425,368 Whitney Holding Corporation LA 48 0.110 0.280 1,169,171 Charter One Bank OH 49 0.031 0.189 5,032,563 Comerica Incorporated MI 50 0.063 0.107 3,610,654 Discover Bank DE 51 0.006 1.000 161,083 Commerce Bancshares Inc. MO 52 0.071 0.262 1,095,333 BOKFinancial Corporation OK 52 0.073 0.228 1,545,832 East West Bancorp Inc. CA 52 0.108 0.249 1,164,507 International Bancshares Corp. TX 55 0.068 0.328 701,537 Bank of Hawaii Corporation HI 56 0.051 0.395 516,441 Valley National Bancorp NJ 57 0.077 0.267 943,569 Wilmington Trust Corporation DE 58 0.077 0.236 844,595 Harris NA IL 59 0.033 0.214 1,434,926 Union Bank of California NA CA 60 0.033 0.108 1,839,820 TCF Financial Corporation MN 61 0.051 0.294 764,109 Lasalle Bank IL 62 0.023 0.069 2,608,014 W Holding Company Inc. PR 63 0.054 0.164 963,372 FBOP Corporation IL 63 0.056 0.196 779,598 Mid America Bank FSB IL 63 0.030 0.365 307,001 HSBC Bank USA NA NY 66 0.009 0.078 1,415,848 American Express Centurion Bk. UT 67 0.000 1.000 881 Citicorp Trust Bank FSB NY 68 0.000 1.000 68 City National Corporation CA 68 0.040 0.113 618,872 First Republic Bank CA 70 0.035 0.183 446,273 Astoria Federal Savings & Loan NY 71 0.013 0.267 290,241 Merrill Lynch Bank USA UT 72 0.013 0.037 769,675 Guaranty Bank TX 73 0.020 0.102 310,069 New York Community Bancorp NY 73 0.016 0.123 473,901 Northern Trust Corporation IL 75 0.013 0.091 587,249 Mellon Financial Corporation PA 75 0.010 0.161 378,917 First Bancorp PR 77 0.020 0.093 328,374 MidFirst Bank OK 78 0.016 0.066 189,886 Flagstar Bank MI 79 0.010 0.135 158,061 New York Private Bank & Trust NY 80 0.012 0.103 188,651 Lehman Brothers Bank NY 81 0.009 0.037 179,971 Chevy Chase Bank FSB. MD 82 0.007 0.106 102,718 Charles Schwab Corporation CA 83 0.001 0.164 16,850 BankUnited FSB FL 84 0.003 0.060 38,732 Washington Mutual Bank FSB NY 85 0.000 0.000 4,514 Bank of New York Company Inc NY 86 0.000 0.015 13,000 Deutsche Bank NY 87 0.000 0.001 4,000 Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivestment Act reports. Page 8 of 94 Table 2B. Micro Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Micro Business Lending (<$100k) Name of Holding Company or Bank American Express Bk FSB Capital One FSB. JPMorgan Chase & Co. Wells Fargo & Company GE Money Bank Citigroup Inc. U.S. Bancorp Manufacturers & Traders Trust Regions Financial Corporation Bank of America Corporation State Farm Bank FSB First Citizens BancShares Lauritzen Corporation Webster Financial Corporation SunTrust Banks Inc. Capital One Financial Corporation PNC Financial Services Group BB&T Corporation KeyCorp Synovus Financial Corp. Washington Mutual Bank Compass Bancshares Inc. Sky Financial Group Inc. BBVA Puerto Rico Bank of Hawaii Corporation Bancorpsouth Inc. Charter One Bank Sovereign Bank First Banks Inc. Citizens Banking Corporation National City Corporation Discover Bank Zions Bancorporation First Horizon National Corporation South Financial Group The Associated Banc-Corp Huntington Bancshares Incorp TD Banknorth NA Fulton Financial Corporation Bank of the West Fifth Third Bancorp Cullen/Frost Bankers Inc. Popular Inc. HSBC Bank USA NA Commerce Bancorp Inc. Union Bank of California NB Wachovia Corporation Commerce Bancshares Inc. HQ State or Territory UT VA NY CA UT NY MN NY AL NC IL NC NE CT GA VA PA NC OH GA NY AL OH PR HI MS OH PA MO MI OH DE UT TN SC WI OH ME PA CA OH TX PR NY NJ CA NC MO Total Rank SSBL SSBL/TA SSBL/TBL (1) (2) (3) 1 0.487 1.000 2 0.184 0.958 3 0.015 0.124 4 0.021 0.117 5 0.117 1.000 5 0.014 0.190 7 0.015 0.071 8 0.027 0.076 9 0.018 0.076 10 0.009 0.067 10 0.063 1.000 12 0.034 0.118 12 0.027 0.120 14 0.034 0.123 15 0.012 0.061 16 0.012 0.072 17 0.014 0.059 18 0.012 0.059 19 0.016 0.049 20 0.022 0.071 21 0.004 0.128 22 0.014 0.059 23 0.029 0.062 24 0.019 0.090 25 0.025 0.192 26 0.022 0.082 26 0.008 0.048 28 0.012 0.043 29 0.021 0.053 30 0.027 0.088 31 0.008 0.028 31 0.006 1.000 33 0.013 0.031 33 0.011 0.055 35 0.021 0.056 36 0.015 0.049 37 0.011 0.047 37 0.008 0.038 39 0.015 0.048 40 0.007 0.037 41 0.007 0.028 42 0.016 0.044 43 0.009 0.031 44 0.003 0.027 45 0.006 0.041 46 0.007 0.022 47 0.002 0.010 48 0.010 0.038 SSBL$ (1,000) (4) 10,959,373 3,223,781 11,944,284 10,070,038 1,502,311 8,604,187 3,421,430 1,554,650 2,260,879 11,539,259 869,382 461,929 451,925 566,885 2,088,534 1,305,917 1,607,258 1,414,336 1,360,736 735,420 1,091,700 474,996 478,265 408,329 251,025 290,794 1,281,480 979,264 217,068 338,226 1,049,535 161,083 620,047 402,177 305,792 312,968 405,639 457,366 234,931 494,462 771,383 203,314 328,271 487,309 298,301 382,943 1,100,087 160,060 SSBL# (5) 2,087,219 974,462 2,411,641 714,311 38,553 3,083,791 536,074 44,560 81,584 2,608,452 13,755 59,718 84,732 26,327 167,883 102,726 65,359 153,552 51,797 24,863 87,788 53,327 13,134 16,679 8,702 13,228 39,133 31,513 39,123 4,563 197,600 64,550 34,601 30,520 9,071 10,846 13,381 29,637 11,083 24,425 25,272 8,064 14,582 43,401 17,369 19,174 32,424 6,967 Small Business Lending (<$1M) No. of State and Territories w/Loans (6) 55 52 51 52 51 55 51 31 41 54 50 23 51 10 49 34 42 44 40 42 52 38 18 14 7 22 30 47 29 17 46 54 45 46 23 26 35 22 19 48 37 16 41 37 15 17 50 45 Institution Asset Size (7) $10B-$50B $10B-$50B >$50B >$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B >$50B >$50B >$50B >$50B >$50B $10B-$50B >$50B $10B-$50B $10B-$50B $10B-$50B $10B-$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 >$50B >$50B $10B-$50B $10B-$50B >$50B $10B-$50B >$50B >$50B $10B-$50B LSBL$ (1,000) (8) 10,959,373 3,261,047 21,842,611 24,871,236 1,502,311 12,907,134 12,242,977 5,898,874 10,909,376 43,297,230 869,382 2,545,020 1,426,521 2,269,509 9,219,017 6,718,173 6,064,630 8,768,730 5,428,800 4,617,691 2,425,368 2,897,003 3,127,481 2,183,267 516,441 1,812,720 5,032,563 5,043,173 1,015,873 1,596,420 7,508,154 161,083 6,223,363 2,162,010 2,325,693 1,946,692 2,572,588 3,350,929 2,542,682 3,319,936 7,267,032 1,649,239 3,609,550 1,415,848 2,368,781 1,839,820 19,826,087 1,095,333 LSBL# (9) 2,087,219 974,764 2,461,886 770,660 38,553 3,099,876 575,614 60,151 119,425 2,728,806 13,755 68,011 89,593 33,793 196,042 125,047 84,331 192,782 70,981 47,275 91,848 61,694 21,723 24,644 9,647 20,145 53,679 48,747 42,778 10,883 223,584 64,550 54,856 38,616 16,584 16,043 22,244 43,178 20,098 34,533 49,402 14,902 27,781 47,024 26,407 25,839 88,859 11,374 Page 9 of 94 Table 2B. Micro Business Lending of Large Lending Institutions in the United States Using CRA Data, 2006 Micro Business Lending (<$100k) Name of Holding Company or Bank Whitney Holding Corporation Marshall & Ilsley Corporation Colonial BancGroup Inc. International Bancshares Corp Guaranty Bank RBC Centura FirstMerit Corporation Sterling Financial Corporation BOK Financial Corporation Lasalle Bank Harris N.A. TCF Financial Corporation Wilmington Trust Corporation Comerica Incorporated American Express Centurion B Citicorp Trust Bank FSB Valley National Bancorp W Holding Company Inc. FBOP Corporation City National Corporation Northern Trust Corporation Mid America Bank FSB First Republic Bank Mellon Financial Corporation Lehman Brothers Bank New York Community Bancorp Merrill Lynch Bank USA MidFirst Bank First Bancorp East West Bancorp Inc. Astoria Federal Savings & Loan BankUnited FSB Washington Mutual Bank FSB Flagstar Bank Chevy Chase Bank FSB. New York Private Bank & TrusT Bank of New York Company Inc. Charles Schwab Corporation Deutsche Bank HQ State or Territory LA WI AL TX TX NC OH WA OK IL IL MN DE MI UT NY NJ PR IL CA IL IL CA PA NY NY UT OK PR CA NY FL NY MI MD NY NY CA NY Total Rank SSBL SSBL/TA SSBL/TBL (1) (2) (3) 49 0.012 0.032 50 0.007 0.021 51 0.007 0.035 52 0.009 0.045 53 0.008 0.042 54 0.007 0.033 55 0.009 0.033 56 0.009 0.030 56 0.008 0.023 58 0.003 0.010 59 0.003 0.022 60 0.006 0.035 61 0.007 0.022 62 0.004 0.007 63 0.000 1.000 64 0.000 1.000 65 0.005 0.016 66 0.004 0.011 67 0.004 0.013 68 0.004 0.010 69 0.002 0.014 70 0.002 0.023 71 0.002 0.012 72 0.001 0.012 73 0.001 0.004 74 0.001 0.005 75 0.000 0.001 76 0.001 0.004 77 0.001 0.004 78 0.001 0.003 79 0.000 0.008 80 0.000 0.008 81 0.000 0.000 82 0.000 0.003 83 0.000 0.002 84 0.000 0.001 85 0.000 0.001 86 0.000 0.002 87 0.000 0.000 SSBL$ (1,000) (4) 131,603 381,889 177,918 97,062 128,588 172,475 97,153 101,137 158,926 387,073 144,985 92,115 79,114 225,906 881 68 55,397 63,066 50,974 57,270 90,691 19,465 30,433 28,592 18,077 18,037 29,700 12,512 14,920 16,068 9,230 5,062 4,035 3,722 2,052 2,014 1,000 184 0 SSBL# (5) 5,126 11,693 7,245 3,573 4,088 6,272 3,195 2,761 4,324 11,218 16,940 3,083 4,835 9,233 142 43 1,819 1,779 1,544 1,591 1,220 654 756 958 1,399 796 1,468 490 360 367 428 117 491 124 181 27 22 8 4 Small Business Lending (<$1M) No. of State and Territories w/Loans (6) 30 44 18 13 11 20 23 12 30 34 29 9 9 48 6 23 6 1 18 26 21 4 13 27 11 3 50 12 2 17 1 3 2 12 7 9 11 9 1 Institution Asset Size (7) $10B-$50B >$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 $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $10B-$50B $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-$50B LSBL$ (1,000) (8) 1,169,171 4,246,538 1,915,892 701,537 310,069 1,849,324 1,013,451 1,440,792 1,545,832 2,608,014 1,434,926 764,109 844,595 3,610,654 881 68 943,569 963,372 779,598 618,872 587,249 307,001 446,273 378,917 179,971 473,901 769,675 189,886 328,374 1,164,507 290,241 38,732 4,514 158,061 102,718 188,651 13,000 16,850 4,000 LSBL# (9) 9,410 26,623 12,868 6,156 4,558 13,132 7,074 6,626 8,286 18,847 21,617 6,034 8,037 22,172 142 43 5,020 4,749 3,636 4,220 3,289 1,680 1,911 2,378 2,567 2,125 5,701 1,169 1,445 3,425 1,047 213 492 488 703 541 76 56 11 Source: U.S. Small Business Administration, Office of Advocacy, from Community Reivestment Act reports. Page 10 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) AK AL AL AL AL AL AL AL AL AL AL AL AL AL AL AL AR AR AR AR AR AR AR AR AR AR AS AZ AZ AZ AZ AZ CA CA CA CA CA CA CA CA CA CA 82.5 95.0 92.5 90.0 87.5 87.5 85.0 85.0 85.0 82.5 80.0 80.0 80.0 80.0 80.0 80.0 92.5 92.5 90.0 87.5 85.0 82.5 82.5 82.5 82.5 82.5 10.0 82.5 80.0 80.0 77.5 77.5 97.5 97.5 95.0 92.5 92.5 90.0 87.5 87.5 87.5 87.5 LSBL$ (1,000) (4) 48,646 103,766 114,620 63,269 91,113 71,153 27,932 44,342 165,285 22,785 11,349 35,540 84,582 121,594 116,284 284,235 52,867 108,153 35,136 60,464 117,185 26,877 46,690 38,851 66,075 77,874 12,441 70,651 44,084 63,207 37,883 75,027 173,954 245,580 173,805 124,349 185,069 144,328 96,961 155,099 385,032 1,248,869 Institution Asset Size (6) $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $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-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $1B-$10B $1B-$10B Micro Business Lending (<$100k) SSBL$ (1,000) (8) 5,025 34,681 26,666 24,187 12,298 17,278 27,932 44,342 41,465 6,142 11,349 35,540 17,881 27,371 41,173 37,245 3,509 23,686 35,136 8,808 25,771 14,720 9,848 38,851 7,763 8,180 3,783 5,977 5,829 5,028 1,455 1,862 173,954 5,737 357 8,462 58,722 6,563 9,194 26,203 50,788 142,113 Name of Lending Institution City LSBL/TA (2) 0.258 0.297 0.241 0.293 0.518 0.32 0.45 0.256 0.331 0.164 0.168 0.3 0.319 0.27 0.214 0.116 0.354 0.244 0.291 0.333 0.271 0.329 0.246 0.202 0.219 0.217 0.105 0.373 0.295 0.34 0.511 0.427 0.628 0.747 0.388 0.478 0.329 0.425 0.385 0.347 0.204 0.323 LSBL/TBL (3) 0.78 1 1 1 1 0.978 1 1 0.753 1 1 1 0.74 0.669 0.793 0.522 1 1 1 1 0.702 1 1 1 1 0.976 0.713 0.82 0.909 0.784 0.935 0.673 1 0.993 0.997 1 0.744 0.728 0.602 0.519 0.649 0.486 LSBL# (5) 274 1,499 1,299 603 783 922 27,931 1,263 2,021 216 122 608 1,097 1,523 1,449 2,363 262 1,310 977 600 1,548 484 591 533 490 881 182 318 290 410 163 219 12,371 707 663 454 1,643 554 754 1,617 4,188 6,025 Total Rank (7) 77.5 92.5 77.5 85.0 65.0 77.5 97.5 100.0 85.0 90.0 92.5 97.5 75.0 75.0 87.5 80.0 72.5 85.0 100.0 67.5 82.5 85.0 77.5 95.0 50.0 42.5 10.0 87.5 95.0 87.5 57.5 45.0 100.0 72.5 35.0 90.0 100.0 77.5 92.5 100.0 97.5 97.5 SSBL# (9) 110 1,226 1,014 442 425 733 27,931 1,263 1,472 155 122 608 768 1,032 1,060 1,370 146 976 977 439 1,155 421 445 533 296 316 129 143 174 198 39 41 12,371 160 240 209 925 128 340 1,083 2,824 2,773 CRD/TA (10) 0 0.003 0 0.007 0.007 0 0 0 0 0 0 0 0.002 0 0 0 0.001 0.013 0 0 0.001 0 0.001 0 0.003 0.002 0 0 0.002 0 0 0 0 0 0 0 0 0 0 0 0 0.001 Alaska Pacific Bank First Metro Bk West AL B&TC Exchange Bk of AL Bank of Vernon Merchants Bk of AL Sweet Water St Bk Farmers & Mrch Bk Metro Bk SouthFirst Bank Security Bank Camden NB Covington Cty Bk Bank of Tuscaloosa First NB of Jasper Superior Bank Benefit Bank Community First Bk Bank of Salem Union B&TC First Cmnty Bk Peoples Bk First SVC Bk Farmers Bk First Scty Bk First NB&TC Amerika Samoa Bk Bank of AZ NA Horizon Cmty Bk Commerce Bk of AZ Yuma Cmnty Bk Western NB Innovative Bk National Bk of CA Premier Valley Bk Canyon NB Community West Bk NA Community Commercial Bk Uniti Bk Pacific City Bk Tri Cty Bk Hanmi Bk Juneau Muscle Shoals Reform Altoona Vernon Cullman Sweet Water Piedmont Pell City Sylacauga Tuscaloosa Camden Andalusia Tuscaloosa Jasper Birmingham Ft. Smith Harrison Salem Monticello Batesville Sheridan Greenbrier Greenwood Mountain Home Mountain Home Pago Pago Phoenix Lake Havasu City Tucson Yuma Phoenix Oakland Los Angeles Fresno Palm Springs Goleta Los Angeles Buena Park Los Angeles Chico Los Angeles Page 11 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) CA CO CO CO CO CO CO CO CO CO CO CT CT CT CT CT CT DC DE DE DE DE DE DE DE FL FL FL FL FL FL FL FL FL FL FL FL GA GA GA 87.5 95.0 92.5 92.5 90.0 87.5 87.5 87.5 82.5 82.5 82.5 85.0 77.5 75.0 75.0 75.0 75.0 75.0 87.5 82.5 82.5 80.0 77.5 77.5 77.5 100.0 97.5 97.5 97.5 92.5 90.0 90.0 87.5 87.5 87.5 87.5 87.5 97.5 97.5 95.0 LSBL$ (1,000) (4) 1,854,960 66,485 55,042 51,964 63,020 36,979 71,528 74,586 34,050 31,147 63,108 88,582 134,267 27,866 51,235 35,751 46,002 55,949 8,968,173 161,083 3,921,611 348,397 75,964 74,221 411,102 158,953 98,724 122,019 316,228 100,197 116,582 207,190 82,199 76,459 106,266 124,550 108,114 120,379 447,203 289,452 Institution Asset Size (6) $1B-$10B $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $500M-$1B <$100M $100M-500M $100M-500M $100M-500M $100M-500M >$10B >$10B >$10B $1B-$10B $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $1B-$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $1B-$10B $1B-$10B Micro Business Lending (<$100k) SSBL$ (1,000) (8) 117,273 10,998 5,884 51,964 4,125 4,569 1,578 12,168 3,287 5,634 6,581 10,255 16,318 3,390 3,514 3,213 4,125 2,010 7,958,725 161,083 3,843,284 46,881 13,166 7,705 45,510 111,804 9,258 15,568 11,686 7,324 11,058 17,013 8,370 4,574 10,495 17,538 12,110 27,639 447,203 289,452 Name of Lending Institution City LSBL/TA (2) 0.27 0.387 0.433 0.257 0.7 0.305 0.391 0.315 0.418 0.282 0.297 0.47 0.184 0.454 0.364 0.125 0.109 0.224 0.068 0.006 0.053 0.185 0.229 0.168 0.136 0.366 0.449 0.44 0.612 0.472 0.275 0.119 0.463 0.254 0.316 0.314 0.252 0.262 0.181 0.239 LSBL/TBL (3) 0.542 1 1 1 1 1 1 0.788 0.924 0.89 0.704 1 0.677 1 1 0.771 0.698 0.847 0.819 1 0.814 0.496 0.617 0.736 0.402 1 1 0.826 0.962 0.994 0.728 0.995 0.696 1 0.736 0.653 0.727 1 1 1 LSBL# (5) 10,165 679 407 323 225 321 188 665 240 294 384 489 1,052 437 486 226 260 219 2,510,017 64,550 1,296,567 3,479 658 662 1,767 1,654 714 916 818 553 834 875 596 314 611 1,166 966 1,332 12,400 106,000 Total Rank (7) 87.5 90.0 80.0 97.5 62.5 80.0 27.5 87.5 70.0 82.5 75.0 87.5 80.0 65.0 55.0 65.0 67.5 50.0 97.5 87.5 100.0 80.0 85.0 72.5 77.5 100.0 95.0 97.5 80.0 85.0 92.5 80.0 90.0 70.0 90.0 97.5 92.5 92.5 100.0 100.0 SSBL# (9) 3,761 405 260 323 60 218 53 386 133 187 170 251 618 99 90 99 118 88 2,503,160 64,550 1,295,407 2,216 427 385 815 1,432 498 476 270 246 442 478 300 158 285 714 577 1,076 12,400 106,000 CRD/TA (10) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.003 0.483 0.744 0.61 0 0.001 0.005 0.004 0.002 0 0 0 0 0 0.007 0 0 0 0 0 0.003 0 0 Greater Bay Bk NA MontroseBank North Valley Bk High Country Bank Native Amer Bk NA Front Range Bk Bank of Denver Canon NB Colorado Mountain Bk First NB Peak NB Valley Bk Naugatuck Savings Bk Castle Bk&TC CT River Cmnty Bk Windsor FS & LA Naugatuck Valley Savings And National Capital Bk of WA FIA Card SVC NA Discover Bk Chase Bk USA NA Mercantile Peninsula Bk Bank of Delmarva Delaware NB Wilmington Savings Fund Society Bank of FL SE Pilot Bk Centerstate Bk W FL NA Gulfstream Bus Bk Heritage Bk of FL BankFirst Peoples First Community Bank First Peoples Bk Executive NB Platinum Bk Farmers & Mrch Bk Premier Bk Farmers & Mrch Bk NetBank Security Bk of Bibb Cty Palo Alto Montrose Thornton Salida Denver Lakewood Denver Canon City Westcliffe Steamboat Springs Nederland Bristol Naugatuck Meriden Wethersfield Windsor Naugatuck Washington Wilmington Greenwood Newark Selbyville Seaford Georgetown Wilmington Fort Lauderdale Tampa Zephyrhills Stuart Lutz Winter Park Panama City Port Saint Lucie Miami Brandon Monticello Tallahassee Lakeland Alpharetta Macon Page 12 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) GA GA GA GA GA GA GA GA GA GA GA GU GU GU HI IA IA IA IA IA IA IA IA IA IA IA IA IA IA ID IL IL IL IL IL IL IL IL IL IL IL IL 90.0 90.0 90.0 90.0 90.0 87.5 87.5 87.5 87.5 87.5 87.5 82.5 30.0 30.0 67.5 95.0 95.0 92.5 90.0 90.0 90.0 87.5 87.5 87.5 85.0 85.0 85.0 85.0 85.0 82.5 92.5 92.5 92.5 90.0 90.0 90.0 90.0 87.5 87.5 87.5 87.5 87.5 LSBL$ (1,000) (4) 50,055 78,096 101,492 152,129 116,329 36,119 56,094 84,589 63,550 84,032 96,185 20,376 19,305 87,547 109,671 34,660 51,699 52,572 28,994 61,477 64,279 21,207 30,650 57,991 53,076 52,291 44,412 100,879 343,532 55,955 41,942 62,985 58,298 34,987 95,907 76,163 869,382 26,897 51,351 65,804 66,959 101,984 Institution Asset Size (6) $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M >$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M Micro Business Lending (<$100k) SSBL$ (1,000) (8) 11,935 30,586 13,862 7,711 20,292 3,217 13,647 19,185 18,799 28,021 15,411 1,497 1,950 13,905 9,221 34,660 10,508 52,572 28,994 17,072 64,279 8,595 30,650 8,768 32,792 25,615 12,312 2,094 42,997 12,071 41,942 9,096 16,621 34,987 8,240 3,743 869,382 26,897 4,012 43,815 26,248 27,882 Name of Lending Institution City LSBL/TA (2) 0.306 0.243 0.291 0.357 0.222 0.286 0.242 0.344 0.248 0.258 0.226 0.237 0.116 0.11 0.224 0.252 0.333 0.191 0.298 0.3 0.272 0.239 0.285 0.426 0.321 0.311 0.223 0.189 0.216 0.134 0.28 0.262 0.203 0.184 0.45 0.243 0.063 0.23 0.347 0.412 0.283 0.347 LSBL/TBL (3) 1 0.932 0.991 0.984 0.935 1 1 0.815 0.81 0.813 0.794 1 0.656 0.373 0.529 1 1 1 1 0.991 1 1 1 0.998 0.894 0.855 0.756 0.971 0.959 0.759 1 1 1 1 0.992 1 1 1 0.947 0.917 0.835 0.726 LSBL# (5) 608 1,700 702 601 1,188 384 1,331 949 1,062 1,327 7,471 115 126 5,664 1,251 653 549 1,737 571 898 563 370 491 414 629 734 660 246 2,998 684 542 406 744 710 568 473 13,755 426 412 2,891 3,280 3,564 Total Rank (7) 85.0 97.5 80.0 50.0 85.0 72.5 92.5 90.0 90.0 95.0 75.0 65.0 20.0 40.0 57.5 100.0 72.5 100.0 97.5 85.0 95.0 82.5 95.0 65.0 95.0 92.5 97.5 55.0 62.5 90.0 100.0 75.0 90.0 100.0 72.5 42.5 100.0 97.5 60.0 97.5 95.0 87.5 SSBL# (9) 453 1,454 472 309 859 136 1,160 733 854 1,108 430 43 61 4,875 840 653 412 1,737 571 671 563 315 491 259 521 597 486 93 2,012 486 542 281 618 710 326 103 13,755 426 291 2,819 3,066 3,195 CRD/TA (10) 0 0.001 0.001 0 0 0 0 0 0.004 0 0 0 0.005 0.013 0.002 0.001 0 0.001 0 0 0 0 0.002 0 0.001 0 0.003 0 0.005 0.004 0 0.004 0 0.002 0.001 0 0.082 0 0 0 0 0 Greater Rome Bk South GA Bkg Co Primesouth Bk Community Bk of The S Citizens B&TC of W GA Commercial Banking Company Citizens Bk of Amer Gateway B&TC Bank of Eastman First NB S Bank of Coweta BankPacific Ltd Citizens Scty Bk Guam Bank of Guam Hawaii NB Libertyville Savings Bk Farmers St Bk C US Bk Gateway St Bk 1st Cent St Bk Manufacturers B&TC Viking St B&T Northwoods St Bk Bank IA Raccoon Valley Bk Polk Cty Bk Northwest Bank and Trust Co. First Federal Savings Bank Hills B&TC First Federal SB of Twin Falls Peoples B&T American NB DeKalb Cty Central Bk IL Peoples NB of Kewanee Northwest Bk Rockford Metropolitan B&TC State Farm Bank FSB First NB Pana First TR Bk IL Beverly B&TC NA Baytree NB&TC Advantage NB Rome Omega Blackshear Smyrna Carrollton Valdosta Americus Ringgold Eastman Alma Newnan Hagatna Hagatna Hagatna Honolulu Fairfield Waterloo Cresco Clinton DeWitt Forest City Decorah Mason City Altoona Perry Johnston Davenport Fort Dodge Hills Twin Falls Pana Sycamore Fulton Kewanee Rockford Chicago Bloomington Pana Kankakee Chicago Lake Forest Elk Grove Village Page 13 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) IL IL IL IN IN IN IN IN IN IN IN IN IN KS KS KS KS KS KS KS KS KS KS KY KY KY KY KY KY KY KY KY KY KY KY KY KY KY LA LA LA LA 87.5 87.5 87.5 100.0 85.0 85.0 85.0 82.5 82.5 82.5 82.5 82.5 82.5 97.5 92.5 90.0 90.0 87.5 85.0 85.0 85.0 85.0 82.5 97.5 95.0 92.5 92.5 90.0 90.0 90.0 87.5 85.0 82.5 82.5 82.5 82.5 82.5 82.5 90.0 87.5 85.0 85.0 LSBL$ (1,000) (4) 160,238 180,972 222,777 316,005 31,049 43,061 50,093 31,407 59,359 99,476 73,356 55,597 91,106 42,875 79,007 24,216 112,486 188,864 21,275 18,566 33,354 26,401 20,506 97,381 82,624 47,599 41,550 23,994 38,313 72,385 55,812 35,776 21,938 26,667 35,233 73,786 76,577 88,186 45,358 36,961 25,889 33,152 Institution Asset Size (6) $100M-500M $500M-$1B $500M-$1B $500M-$1B $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 $500M-$1B <$100M <$100M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M $100M-500M $100M-500M $100M-500M <$100M <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M <$100M $100M-500M Micro Business Lending (<$100k) SSBL$ (1,000) (8) 13,757 46,920 72,808 19,598 4,818 4,875 16,380 4,087 11,482 18,047 1,656 13,490 20,903 7,226 79,007 24,216 11,648 12,045 5,926 18,566 6,008 2,599 5,499 97,381 11,949 6,571 41,550 23,994 18,653 18,220 55,812 14,256 6,456 7,599 8,388 13,501 21,362 15,488 15,605 36,961 25,889 13,038 Name of Lending Institution City LSBL/TA (2) 0.409 0.33 0.375 0.451 0.247 0.294 0.173 0.244 0.279 0.283 0.194 0.125 0.096 0.373 0.375 0.238 0.3 0.3 0.324 0.221 0.394 0.271 0.2 0.363 0.325 0.279 0.229 0.51 0.211 0.282 0.156 0.285 0.29 0.304 0.203 0.312 0.262 0.205 0.291 0.318 0.353 0.287 LSBL/TBL (3) 0.782 0.725 0.746 1 0.969 0.859 0.75 0.991 0.904 0.793 0.925 0.759 0.771 1 1 1 1 0.989 1 1 1 1 1 1 1 1 1 1 1 0.949 1 0.953 1 1 1 0.747 0.802 0.872 1 1 1 0.896 LSBL# (5) 850 6,301 8,592 1,652 409 293 710 235 677 1,079 144 738 840 403 792 533 680 1,053 341 297 388 177 312 1,308 470 735 1,032 319 1,075 1,138 1,132 651 335 564 457 683 1,036 780 719 885 2,658 628 Total Rank (7) 72.5 87.5 92.5 60.0 85.0 80.0 97.5 80.0 77.5 77.5 50.0 92.5 90.0 72.5 95.0 97.5 62.5 60.0 77.5 97.5 70.0 32.5 72.5 100.0 67.5 62.5 100.0 97.5 92.5 87.5 100.0 90.0 72.5 80.0 72.5 72.5 90.0 72.5 87.5 100.0 97.5 97.5 SSBL# (9) 366 5,652 7,857 784 281 140 564 129 488 712 38 519 602 283 792 533 458 701 263 297 264 55 254 1,308 293 548 1,032 319 974 901 1,132 552 257 492 391 421 822 466 612 885 2,658 543 CRD/TA (10) 0 0 0 0 0 0 0 0 0 0.003 0 0.001 0 0 0 0 0 0.002 0 0 0 0 0 0 0 0 0.004 0 0 0 0 0 0.002 0 0 0.003 0 0 0.006 0 0 0 Itasca B&TC Crystal Lake B&TC NA Village B&TC Tower B&TC City Savings Bank Shelby County Bank First Federal Savings Bank Americantrust Federal Saving New Washington St Bk First St Bk Middlebury United Community Bank First Harrison Bank Mutual Federal Savings Bank Bank of the Prairie Peoples B&TC Union St Bk Capital City Bk Kansas St Bk of Manhattan First NB of Southern KS First NB of Centralia Community NB University NB of Lawrence Midwest Cmnty Bk Peoples B&TC Bank of the Bluegrass & TC First United Bk Peoples Bk of KY Inc South Central Bank FSB. Bank of Edmonson Cty Peoples Exch Bk Edmonton St Bk Bank of Columbia Kentucky NB Farmers Bk Lawrenceburg BK&TC Citizens Bk of Northern KY South Central Bk Paducah B&TC City Savings B&TC Gibsland B&TC Bank of Erath Homeland Federal Savings Ban Itasca Crystal Lake Arlington Heights Fort Wayne Michigan City Shelbyville Wabash Peru New Washington Middlebury Lawrenceburg Corydon Muncie Olathe McPherson Everest Topeka Manhattan Mount Hope Centralia Topeka Lawrence Plainville Hazard Lexington Madisonville Flemingsburg Elizabethtown Brownsville Stanton Glasgow Columbia Pikeville Hardinsburg Lawrenceburg Newport Glasgow Paducah DeRidder Gibsland Erath Columbia Page 14 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) LA LA LA LA LA LA LA LA MA MA MA MA MA MA MA MA MA MA MA MA MA MA MA MA MA MD MD MD MD MD MD MD MD MD MD ME ME ME MI MI MI MI 82.5 82.5 82.5 80.0 80.0 80.0 80.0 80.0 95.0 87.5 87.5 87.5 82.5 82.5 82.5 82.5 82.5 80.0 80.0 80.0 80.0 80.0 80.0 80.0 80.0 97.5 92.5 90.0 85.0 82.5 82.5 82.5 80.0 80.0 80.0 82.5 77.5 77.5 92.5 85.0 85.0 82.5 LSBL$ (1,000) (4) 17,536 52,679 55,790 49,940 19,523 41,239 72,103 193,804 207,276 49,781 170,942 324,735 68,068 65,012 96,240 221,182 202,054 69,742 56,578 85,684 78,604 81,974 81,826 127,856 122,847 46,252 113,999 106,295 391,548 28,329 141,712 232,194 75,414 95,352 92,072 183,620 75,749 126,638 107,314 51,897 60,713 80,342 Institution Asset Size (6) <$100M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $500M-$1B $1B-$10B $100M-500M $100M-500M $100M-500M $500M-$1B $1B-$10B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $500M-$1B $100M-500M $100M-500M $100M-500M $1B-$10B <$100M $500M-$1B $1B-$10B $100M-500M $100M-500M $500M-$1B $500M-$1B $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M $100M-500M Micro Business Lending (<$100k) SSBL$ (1,000) (8) 2,369 9,993 17,622 8,534 19,523 7 15,087 17,450 13,587 1,118 6,551 41,631 11,130 9,969 1,893 15,100 23,881 3,155 5,760 10,285 6,648 7,547 3,245 9,893 13,585 46,252 21,969 13,130 10,417 1,158 20,012 82,291 26,631 11,869 10,995 29,803 75,749 32,266 11,775 6,713 5,550 11,344 Name of Lending Institution City LSBL/TA (2) 0.203 0.301 0.256 0.431 0.138 0.218 0.286 0.272 0.23 0.16 0.21 0.311 0.238 0.177 0.26 0.283 0.121 0.512 0.264 0.293 0.21 0.198 0.186 0.281 0.13 0.289 0.453 0.499 0.233 0.387 0.235 0.164 0.353 0.253 0.183 0.188 0.253 0.306 0.369 0.196 0.2 0.432 LSBL/TBL (3) 1 0.959 0.855 0.997 1 0.983 0.721 0.66 1 1 0.822 0.602 1 0.886 0.778 0.478 0.671 0.87 0.971 0.731 0.723 0.722 0.702 0.547 0.524 1 1 1 0.865 1 0.695 1 0.897 0.906 0.593 0.526 1 0.762 1 0.785 0.968 0.988 LSBL# (5) 198 692 965 460 229 145 861 1,353 771 223 578 2,506 493 640 315 1,484 1,834 425 366 448 511 581 348 759 1,117 46,252 1,083 734 912 71 1,278 2,090 658 734 532 2,040 1,311 1,757 795 564 237 526 Total Rank (7) 80.0 70.0 85.0 67.5 97.5 20.0 75.0 52.5 85.0 52.5 57.5 95.0 92.5 92.5 32.5 80.0 90.0 57.5 82.5 87.5 80.0 82.5 57.5 80.0 80.0 100.0 95.0 87.5 40.0 55.0 82.5 100.0 92.5 77.5 80.0 87.5 92.5 85.0 70.0 82.5 72.5 72.5 SSBL# (9) 153 508 760 317 229 1 608 521 388 111 117 1,359 331 426 46 586 1,150 110 201 219 267 336 71 351 667 46,252 725 440 282 22 763 1,732 448 397 281 1,346 1,311 1,280 540 379 66 238 CRD/TA (10) 0.008 0 0 0 0.003 0 0 0.002 0 0 0.001 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.001 0 0 0.004 0.002 0 0 Dryades Savings Bank FSB First NB of LA Cottonport Bk First LA Bk Florida Parishes Bank State-Investors Bank Community Bk Gulf Coast B&TC South Shore Savingss Bk Peoples Federal Savings Bank Bank of Canton Enterprise B&TC Lee Bk North Middlesex Savings Bk Bridgewater Savings Bk Bank of Western MA Cape Cod Five Cents Savings Bk Mercantile B&TC Monson Savings Bk Commonwealth Nat Bk Provident Bk Strata Bk First Trade Union Bank Northern B&TC Westfield Bank Colombo Bank Peoples Bk Bank of the Eastern Shore Columbia Bk Advance Bank Mercantile Eastern Shore Bk First United B&TC Provident St Bk Queenstown Bk of MD American Bank Gardiner Savings Institution Franklin Savings Bk Katahdin TC Bank of Lenawee First Federal of Northern MI Wolverine Bank Federal Savings Northern Michigan B&T New Orleans Crowley Cottonport Shreveport Hammond Metairie Raceland New Orleans South Weymouth Brighton Canton Lowell Lee Ayer Raynham Springfield Harwich Port Boston Monson Worcester Amesbury Medway Boston Woburn Westfield Rockville Chestertown Cambridge Columbia Baltimore Chestertown Oakland Preston Queenstown Rockville Gardiner Farmington Patten Adrian Alpena Midland Escanaba Page 15 of 94 3A. Top Small Business Lending Institutions by State and Territory Using Call Report Data, June 2007 Small Business Lending (<$1M) HQ State or Territory Total Rank (1) MI MI MI MI MI MI MI MI MI MN MN MN MN MN MN MN MN MN MN MO MO MO MO MO MO MO MO MO MO MS MS MS MS MS MS MS MS MS MS MS MS MS 82.5 82.5 80.0 80.0 80.0 80.0 80.0 80.0 80.0 95.0 95.0 95.0 92.5 92.5 90.0 90.0 90.0 90.0 90.0 100.0 92.5 90.0 90.0 87.5 87.5 85.0 85.0 85.0 85.0 97.5 95.0 95.0 85.0 80.0 80.0 77.5 77.5 75.0 75.0 75.0 75.0 75.0 LSBL$ (1,000) (4) 75,171 187,641 52,918 58,538 61,675 69,649 72,436 102,664 113,005 138,078 87,959 130,876 45,984 168,110 54,606 66,771 35,170 79,896 165,522 282,477 120,396 50,768 72,287 51,368 157,674 41,965 39,595 56,019 166,422 266,537 120,317 798,979 51,532 56,979 43,306 6,670 109,077 18,623 38,6