cdba cbps 2015q1

CDBA MembersCB Peer Scorecard: 2015Q1 YTD

CDBA CB Peer Scorecard 2015Q1 YTD

I OVERVIEWPurpose Page 3Definitions Page 4CDBA Members Page 5Peer Group Summary Page 6Peer Group Scorecard Page 10

II GROWTHAsset Growth (Scorecard) Page 12Loan Growth Page 12Deposit Growth Page 13Growth Rates Page 13

III PERFORMANCEROAA (Scorecard) Page 14ROAE (Scorecard) Page 14Net Interest Margin (Scorecard) Page 15Efficiency Ratio (Scorecard) Page 15

IV ASSET QUALITYNon-Performing Assets (Scorecard) Page 16Net Charge-offs Page 16Loan Loss Reserves Page 17Texas Ratio Page 17

V CAPITALTier 1 Risk-based Ratio Page 18Risk-based Capital Ratio Page 18Leverage Ratio Page 19Total Equity Page 19

VI OTHERNon Interest-Bearing Deposits (Scorecard) 0Non-Interest Income (Scorecard) Page 20Non-Interest Expense Page 21Salary & Benefits Page 21

VII COMPARISON CHARTS - TRENDSLoan Composition Page 22-24Deposit Composition Page 25-27Core Deposits / Average Assets Page 28Return on Average Assets (ROAA) Page 29Return on Average Equity (ROAE) Page 30Loan Loss Reserves to Total Loans Page 31Net Charge-offs to Average Loans Page 32NonCurrent Loans to Total Loans Page 33Texas Ratio Page 34

VIII CDFI BANKS (Non-CDBA Members) Peer Group Analysis - 2015Q1 YTD Page 35-45

IX LOAN MIX & SMALL BUSINESS LOANSLoans & Leases Page 46Small Business Loans Page 47-55

Table of Contents

© 2010-2015 CB Resource, Inc. 2


LEGEND PEER GROUP CRITERIA

The purpose of this Quarterly CDBA Peer Analysis Report is to provide CDBA members with a comparative

summary of selected financial information. The report contains peer group graphs and charts reflecting

comparisons between CDBA member institutions, CDFI certified banks and thrifts and the banking industry. The

performance and composition data contained in the report can be used as an aid in evaluating the adequacy of

earnings, capital, and asset/liability composition and growth management.

Also included is a Scorecard developed by CB Resource Inc. to rank CDBA member institutions based upon key

performance indicators. The Scorecard is a numerical ranking of key indicators of financial health for each

institution. These indicators include: asset growth (AG), return on average assets (ROAA), return on average

equity (ROAE), net interest margin (NIM), efficiency ratio (ER), non-performing assets (NPA), non interest-bearing

deposits (NIBD), and non-interest income (NII). The numerical sum of the key indicators determines the

institutions rank among other CDBA members, with the lowest number being the highest ranking.

Overview

ROAA: Return on Average Assets

ROAE: Return on Average Equity

NIM: Net Interest Margin

ER: Efficiency Ratio

NPA: Non-Performing Assets to Total Assets

NCO: Net Charge-offs to Average Loans

LLR: Loan Loss Reserves to Gross Loans

TR: Texas Ratio

T1RbC: Tier 1 Risk-based Capital

RbCR: Risk-based Capital Ratio

NIBD: Non Interest-Bearing Deposits to Total Deposits

NII: Non-Interest Income to Average Assets

NIE: Non-Interest Expense to Average Assets

UBPR 2: Insured commercial banks having assets between $1billion and $3 billion.

UBPR 3: Insured commercial banks having assets between $300 million and $1 billion.

UBPR 6: Insured commercial banks having assets between $100 million and $300 million, with 2 or fewer full service banking offices and located in a metropolitan statistical area.

UBPR 10: Insured commercial banks having assets between $50 million and $100 million, with 2 or fewer full service banking offices and located in a metropolitan statistical area.

Note: Uniform Bank Performance Report (UBPR) peer groups are pre-defined by the FDIC according to asset size and other criteria.



Definitions of Key Terms and Ratios

Below are definitions of key terms and ratios that may serve to help in interpreting trends from the data. The primary purpose is to explain the calculations of individual

ratios. The CDBA Members group consists of 58 CDBA member institutions; and the Non-CDBA Members group consists of 55 CDFI Certified banks and thrifts.

KEY TERMS:

Total Assets: The sum of all assets owned by the institution including cash, loans, securities, bank premises and other assets. This total does not include off-balance-sheet accounts.

Total Loans & Leases: Total loans and lease financing receivables, net of unearned income.

Total Deposits: The sum of all deposits including demand deposits, money market deposits, other savings deposits, time deposits and deposits in foreign offices.

Total Equity: Total equity capital on a consolidated basis.

Branches: The number of offices reported by the banking institution.

Employees: The number of full-time equivalent employees reported by the banking institution.

Demand Deposit Accounts: Total money held in checking accounts in domestic offices that is accessible by the account holder at any time.

All NOW & ATS accounts: The sum of the following accounts held in domestic offices: Negotiable Order of Withdrawal (NOW) accounts, Automated Transfer Service (ATS) accounts and telephone or preauthorized transfer accounts.

Money Market Deposit Accounts: Total money market deposit accounts held in domestic offices.

Other Savings Deposits: Total savings deposits held in domestic offices, aside from money market deposit accounts.

Time Deposits at or Below Insurance Limit: Total time deposits at or below insurance limit.

Time Deposits Above Insurance Limit: Total time deposits above insurance limit.

Construction & Land Development Loans (CLD): Construction and land development loans secured by real estate held in domestic offices. This item includes loans for all property types under construction, as well as loans for land acquisition and development.

Farmland Loans (FARM): Loans secured by farmland held in domestic offices.

1-4 Family Residential Loans (1-4FAM): Total loans secured by 1-4 family residential properties (including revolving and open-end loans) held in domestic offices.

Multifamily Loans (MULTI): Multifamily (5 or more) residential property loans secured by real estate held in domestic offices.

Nonfarm Nonresidential Loans (NFNR): Nonresidential loans (excluding farm loans) primarily secured by real estate held in domestic offices.

Agricultural Production Loans (APL): Loans to finance agricultural production and other loans to farmers.

Commercial & Industrial Loans (C&I): Commercial and industrial loans exclude all loans secured by real estate, loans to individuals, loans to depository institutions and foreign governments, loans to states and political subdivisions and lease financing receivables.

Consumer Loans (CL): Loans to individuals for household, family, and other personal expenditures including outstanding credit card balances and other secured and unsecured consumer loans.

Total Other Loans and Leases (OTHER): Includes obligations (other than securities and leases) of U.S. states and political subdivisions including nonrated industrial development obligations, total acceptances of other banks, loans to depository institutions and foreign governments and lease financing receivables.

SMALL BUSINESS LOANS

Total Loans Secured by Nonfarm Nonresidential Properties: Amount of currently outstanding loans secured by nonfarm nonresidential properties held in domestic offices with original amounts of $100,000 or less, between $100,000 and $250,000, or between $250,000 and $1,000,000.

Total Commercial and Industrial Loans to U.S. Addressees: Amount of currently outstanding commercial and industrial loans held in domestic offices with original amounts of $100,000 or less, between $100,000 and $250,000, or between $250,000 and $1,000,000.

Total Loans Secured by Farmland (includes farm residential and other improvements): Amount of currently outstanding loans secured by farmland (including farm residential and other improvements) held in domestic offices with original amounts of $100,000 or less, between $100,000 and $250,000, or between $250,000 and $500,000.

Total Loans to Finance Agricultural Production and Other Loans to Farmers: Amount of currently outstanding loans to finance agricultural production and other loans to farmers held in domestic offices with original amounts of $100,000 or less, between $100,000 and $250,000, or between $250,000 and $500,000.

RATIOS:

Growth Rates: The percentage is determined by subtracting the account balance as of the corresponding reporting period in the previous year from the current period account balance and dividing the result by the previous year balance. The resulting ratio is annualized.

Return on Average Assets (ROAA): The year-to-date net income after securities gains and losses, extraordinary gains and losses, and applicable taxes (annualized), as a percent of average assets.

Return on Average Equity (ROAE): The year-to-date net income after securities gains and losses, extraordinary gains and losses, and applicable taxes (annualized), as a percent of average total equity.

Net Interest Margin: Total interest income on a tax-equivalent basis, less total interest expense, divided by the average of the respective asset accounts involved in generating interest income.

Efficiency Ratio: Noninterest expenses as a percent of the sum of net interest income (TE) plus total noninterest income.

Nonperforming Assets to Total Assets: The sum of loans and leases which are on nonaccrual status, past due 90 days or more, and non-investment other real estate owned as a percent of total assets.

Net Charge-Offs to Average Loans: Gross loan and lease financing receivable charge-offs, less gross recoveries, (annualized) as a percent of average total loans and lease financing receivables.

Loan Loss Reserves to Total Loans: The ending balance of the allowance for loan and lease losses divided by gross loans and leases.

Texas Ratio: The sum of loans and leases which are on nonaccrual, restructured but 30–89 days past due, restructured but over 90 days past due, restructured and in compliance with modified terms and non-investment other real estate owned divided by the sum of total equity capital plus the allowance for possible loan and lease losses.

Tier 1 Risk-Based Capital Ratio: Tier 1 (core) capital as a percent of risk-weighted assets as defined by the appropriate federal regulator for prompt corrective action during that time period.

Risk-Based Capital Ratio: Total risk based capital as a percent of risk-weighted assets as defined by the appropriate federal regulator for prompt corrective action during that time period.

Leverage Ratio: Tier 1 (core) capital as a percent of average total assets for leverage capital purposes.

Noninterest-Bearing Deposits to Total Deposits: The sum of total demand deposits and noninterest-bearing time and savings deposits as a percent of total deposits.

Noninterest Income to Average Assets: Income derived from bank services and sources other than interest bearing assets (annualized) as a percent of average assets.

Noninterest Expense to Average Assets: Salaries and employee benefits, expenses of premises and fixed assets, and other noninterest expenses (annualized) as a percent of average assets.

Personnel Expense: Salaries and employees benefits (annualized) as a percent of average assets.

Core Deposits: The sum of demand deposits, all NOW and ATS accounts, MMDA savings, other savings deposits, and time deposits under the deposit insurance limit less total brokered retail deposits divided by average total assets. Note that beginning with the March 31, 2010 UBPR time deposits under the deposit insurance limit includes total time deposits of less than $100,000 and total time deposits of $100,000 through $250,000.

Total Non-Current Loans & Leases: The sum of loans and lease financing receivables past due at least 90 days, plus those in nonaccrual status, divided by total loans and leases.

The data was compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from FDIC and other sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by CB Resource, Inc. The information is presented in the form of financial ratios or whole dollars. Ratio definitions are provided at the end of this report.

Any unauthorized use of this content, logos and/or name is forbidden.



Institution Name Type FDIC Cert. Established City County, State Assets Employees Branches($000) Actual Actual

ABC Bank Commercial Bank 11694 6/10/1891 Chicago Cook, IL 334,653 88 5Albina Community Bank Commercial Bank 34106 12/19/1995 Portland Multnomah, OR 149,322 45 5Bank 2 Commercial Bank 11521 1/1/1903 Oklahoma City Oklahoma, OK 115,002 60 1Bank of Anguilla Commercial Bank 8243 1/1/1904 Anguilla Sharkey, MS 133,832 28 4Bank of Kilmichael Commercial Bank 9775 9/16/1904 Kilmichael Montgomery, MS 138,949 28 3Bank of Montgomery Commercial Bank 1373 10/5/1903 Montgomery Grant, LA 219,630 68 6BankFirst Financial Services Commercial Bank 8870 6/1/1888 Macon Noxubee, MS 740,700 160 11BankPlus Commercial Bank 5903 1/1/1909 Belzoni Humphreys, MS 2,601,973 759 59Beneficial State Bank Commercial Bank 58490 6/27/2007 Oakland Alameda, CA 384,097 50 4Broadway Federal Bank, f.s.b. Savings Institution (Thrift) 30306 2/26/1947 Los Angeles Los Angeles, CA 353,983 65 3Carver Federal Savings Bank Savings Institution (Thrift) 30394 1/1/1948 New York New York, NY 682,683 129 8Carver State Bank Commercial Bank 16584 1/1/1927 Savannah Chatham, GA 41,640 16 2CBMI: Community Bank Commercial Bank 11444 10/1/1902 Ellisville Jones, MS 689,915 125 10CBMI: Community Bank of Mississippi Commercial Bank 8879 8/14/1905 Forest Scott, MS 703,801 191 9CBMI: Community Bank, Coast Commercial Bank 34121 1/22/1996 Biloxi Harrison, MS 733,949 145 14CBMI: Community Bank, North Mississippi Commercial Bank 11438 5/20/1912 Amory Monroe, MS 488,888 96 7Central Bank of Kansas City Commercial Bank 17009 8/10/1950 Kansas City Jackson, MO 144,413 54 1City First Bank of D.C., N.A. Commercial Bank 34352 11/24/1998 Washington District Of Columbia, DC235,686 40 1City National Bank of New Jersey Commercial Bank 21111 6/11/1973 Newark Essex, NJ 256,755 82 5Community Bank of the Bay Commercial Bank 34210 7/22/1996 Oakland Alameda, CA 239,151 35 2Community Capital Bank of Virginia Commercial Bank 58658 8/20/2008 Christiansburg Montgomery, VA 82,999 21 2Farmers and Merchants Bank Commercial Bank 15801 3/10/1941 Baldwyn Prentiss, MS 294,698 72 10Finance and Thrift Company Commercial Bank 25870 7/9/1925 Porterville Tulare, CA 120,245 70 5First American International Bank Commercial Bank 35186 11/15/1999 Brooklyn Kings, NY 576,804 209 9First Eagle Bank Commercial Bank 25883 2/14/1985 Chicago Cook, IL 452,590 56 2First Independence Bank Commercial Bank 20179 5/14/1970 Detroit Wayne, MI 271,494 101 3First Security Bank Commercial Bank 17120 7/1/1952 Batesville Panola, MS 531,547 176 15First Southwest Bank Commercial Bank 57741 7/9/2004 Alamosa Alamosa, CO 257,067 88 7Gateway Bank, F.S.B. Savings Institution (Thrift) 33103 6/8/1990 Oakland Alameda, CA 166,021 22 2Guaranty Bank and Trust Company Commercial Bank 15953 5/17/1943 Belzoni Humphreys, MS 643,872 169 10Illinois-Service Federal S&LA Savings Institution (Thrift) 29399 1/1/1934 Chicago Cook, IL 110,142 38 2Industrial Bank Commercial Bank 14679 8/18/1934 Washington District Of Columbia, DC355,688 120 8International Bank of Chicago Commercial Bank 33708 10/26/1992 Chicago Cook, IL 525,588 82 7Mechanics & Farmers Bank Commercial Bank 12266 3/1/1908 Durham Durham, NC 297,548 62 8Merchants and Planters Bank Commercial Bank 327 2/1/1906 Raymond Hinds, MS 93,052 30 4Metro Bank Commercial Bank 34308 1/6/1997 Louisville Jefferson, KY 32,952 8 1Mission Valley Bank Commercial Bank 57101 7/12/2001 Sun Valley Los Angeles, CA 275,476 47 3Native American Bank, N.A. Commercial Bank 27026 7/27/1987 Denver Denver, CO 62,725 26 2Neighborhood National Bank Commercial Bank 34548 9/19/1997 San Diego San Diego, CA 66,244 33 3Noah Bank Commercial Bank 58196 7/17/2006 Elkins Park Montgomery, PA 302,785 77 7OneUnited Bank Commercial Bank 23966 8/2/1982 Boston Suffolk, MA 642,449 104 9Oxford University Bank Commercial Bank 57034 11/27/2000 Oxford Lafayette, MS 119,279 29 3Pan American Bank (IL) Commercial Bank 34108 12/22/1995 Melrose Park Cook, IL 295,680 59 5Peoples Bank Commercial Bank 9366 11/5/1908 Mendenhall Simpson, MS 250,371 96 5RiverHills Bank Commercial Bank 8234 2/1/1890 Port Gibson Claiborne, MS 308,577 49 3Security Federal Bank Commercial Bank 31100 1/1/1922 Aiken Aiken, SC 822,835 199 14Southern Bancorp Bank Commercial Bank 1528 3/1/1884 Arkadelphia Clark, AR 1,166,122 320 35Spring Bank Commercial Bank 58668 10/26/2007 Bronx Bronx, NY 118,155 36 2Start Community Bank Commercial Bank 58952 12/20/2010 New Haven New Haven, CT 78,060 19 2State Bank & Trust Company Commercial Bank 8878 11/1/1898 Greenwood Leflore, MS 984,815 320 34Sunrise Banks, N.A. Commercial Bank 18561 7/17/1962 Saint Paul Ramsey, MN 991,751 78 7The Bank of Vernon Commercial Bank 51 11/11/1911 Vernon Lamar, AL 145,365 28 2The Citizens National Bank of Meridian Commercial Bank 4993 1/1/1888 Meridian Lauderdale, MS 1,143,710 320 23The Commercial Bank Commercial Bank 9356 12/1/1914 De Kalb Kemper, MS 131,769 53 5The First, A National Banking Association Commercial Bank 34217 8/5/1996 Hattiesburg Lamar, MS 1,145,293 278 30United Bank Commercial Bank 58 1/4/1904 Atmore Escambia, AL 506,941 179 17United Bank of Philadelphia Commercial Bank 33568 3/23/1992 Philadelphia Philadelphia, PA 58,872 24 3Urban Partnership Bank Commercial Bank 59051 8/19/2010 Chicago Cook, IL 738,906 219 12

CDBA Members

Source: CDBA, CDFI, FDIC, FFIEC © 2010-2015 CB Resource, Inc. 5


Institution Name Assets Loans Deposits Equity ROAA ROAE NIM ER

NOTE: CDBA Members are shaded gray. ($000) ($000) ($000) ($000) (%) (%) (%) (%)

ABC Bank 334,653 238,957 266,893 37,635 0.85 7.88 4.28 68.27

Albina Community Bank 149,322 91,354 132,130 15,131 0.55 5.38 4.00 88.73

American Metro Bank 62,347 48,694 52,679 5,765 (0.76) (8.04) 3.57 120.17

American Plus Bank, N.A. 321,664 277,256 247,302 46,155 1.20 8.28 3.79 44.92

Amory Federal S&LA 94,848 67,945 84,694 10,022 0.08 0.80 3.47 83.24

Bank 2 115,002 67,602 96,408 14,879 0.48 3.60 3.78 87.97

Bank of Anguilla 133,832 66,016 115,705 14,074 0.91 8.72 4.08 72.29

Bank of Cherokee County 105,146 66,143 96,505 8,284 0.52 6.65 4.03 80.75

Bank of Commerce 352,680 235,616 290,930 30,723 1.22 13.41 3.92 43.49

Bank of Kilmichael 138,949 79,064 123,866 13,371 1.41 14.85 3.96 63.64

Bank of Lake Village 63,282 28,570 56,476 6,698 0.21 1.98 3.26 84.32

Bank of Montgomery 219,630 177,895 197,139 21,377 2.02 20.09 4.81 59.98

Bank of Okolona 154,697 103,242 134,581 17,479 1.86 16.56 5.38 54.08

Bank of Winona 116,331 39,467 100,178 12,812 0.92 8.56 3.20 69.41

Bank of York 105,382 35,518 73,965 10,976 0.62 6.10 2.71 76.38

BankFirst Financial Services 740,700 582,016 658,521 71,665 0.82 8.52 3.71 69.15

BankPlus 2,601,973 1,379,018 2,100,853 240,709 0.87 9.00 3.49 74.49

Beneficial State Bank 384,097 291,829 297,542 42,259 0.46 4.07 3.96 83.98

BNA Bank 438,119 225,847 371,335 55,101 1.00 7.91 3.75 56.00

Broadway Federal Bank, f.s.b. 353,983 299,997 225,570 41,471 1.67 14.44 3.46 79.91

Caldwell Bank & Trust Company 164,513 130,677 142,032 15,601 1.71 18.22 5.28 61.73

Carver Federal Savings Bank 682,683 486,497 536,050 67,092 0.24 2.28 3.37 103.60

Carver State Bank 41,640 24,221 33,696 4,340 0.73 7.24 4.97 88.00

CBMI: Community Bank 689,915 503,181 613,946 61,073 1.10 11.95 3.82 58.47

CBMI: Community Bank of Mississippi 703,801 490,159 631,732 60,329 0.76 8.55 4.58 74.13

CBMI: Community Bank, Coast 733,949 515,404 654,448 74,497 0.62 5.84 3.85 71.09

CBMI: Community Bank, North Mississippi 488,888 305,247 428,651 51,665 0.48 4.50 3.40 76.46

CBW Bank 16,437 2,226 12,587 2,997 6.41 41.70 1.89 32.13

Central Bank of Kansas City 144,413 101,777 120,206 23,666 3.14 17.26 4.33 62.21

Citizens Bank 72,311 32,248 63,725 8,261 0.34 2.93 3.44 79.94

Citizens Bank 398,033 284,441 345,218 37,538 1.51 15.60 4.55 69.66

Citizens Progressive Bank 111,322 83,074 96,929 14,053 1.11 8.67 5.64 74.12

Citizens Savings Bank and Trust Company 103,322 81,644 93,572 8,215 0.35 4.38 5.09 87.36

Citizens Trust Bank 398,165 193,751 343,285 49,998 0.47 3.82 3.39 85.66

City First Bank of D.C., N.A. 235,686 173,071 196,970 33,086 0.16 1.16 3.98 83.08

City National Bank of New Jersey 256,755 149,884 241,616 3,521 (2.78) (180.37) 2.51 183.47

Colfax Banking Company 95,157 46,869 84,984 9,956 1.37 13.52 4.14 72.83

Commercial Capital Bank 71,602 46,520 62,143 9,326 1.29 9.93 4.57 72.56

Community Bank of the Bay 239,151 176,741 212,884 21,543 0.81 8.62 4.19 67.59

Community Capital Bank of Virginia 82,999 64,999 67,174 12,444 0.41 2.74 3.19 75.59

Community Commerce Bank 186,723 122,731 101,325 50,001 1.50 5.72 5.45 73.52

Concordia Bank & Trust Company 535,789 222,881 454,928 61,211 0.92 8.16 2.93 67.83

Cottonport Bank 329,497 208,038 287,492 37,646 0.73 6.47 3.98 74.71

Cross Keys Bank 320,848 157,987 244,133 41,015 1.32 10.62 3.99 69.41

Delta Bank 262,292 163,772 240,074 20,375 0.93 11.98 3.96 69.82

Farmers and Merchants Bank 294,698 151,435 252,571 37,874 1.94 15.33 7.03 57.68

FBT Bank & Mortgage 136,722 77,965 107,483 14,940 1.04 9.51 4.22 75.99

Finance and Thrift Company 120,245 92,568 85,602 33,301 0.44 1.67 12.91 68.46

First American International Bank 576,804 416,715 432,837 73,686 0.23 1.77 3.81 92.28

First Bank of Linden 79,048 31,836 67,689 10,821 1.02 7.64 4.48 67.28

First Choice Bank 680,253 561,920 587,380 57,999 0.63 7.01 3.62 65.47

First Eagle Bank 452,590 308,392 349,290 66,891 1.96 13.25 4.02 45.19

First Independence Bank 271,494 128,911 229,110 16,745 0.03 0.38 4.04 95.39

First Security Bank 531,547 267,589 452,648 63,319 0.81 6.85 3.60 75.11

First Southwest Bank 257,067 171,882 224,020 27,555 0.27 2.54 4.19 89.61

First State Bank 39,465 28,455 37,496 1,764 (0.32) (7.19) 4.66 107.13

Florida Parishes Bank 229,297 142,224 190,905 24,309 1.32 12.75 5.05 64.72

FNB Oxford Bank 255,274 136,944 214,453 33,402 0.81 6.06 3.75 67.69

Gateway Bank, F.S.B. 166,021 114,201 155,329 9,420 (1.15) (20.61) 2.81 191.17

Golden Bank, N.A. 567,834 396,079 479,674 84,466 1.30 8.71 4.15 52.12

Guaranty Bank and Trust Company 643,872 391,985 562,156 72,311 1.22 10.93 3.81 67.01

Holmes County Bank & Trust Company 117,077 46,371 101,562 13,431 (0.17) (1.45) 2.63 105.47

Peer Group Summary Part 1 (All CDBA Members and Non-Members)



Institution Name Assets Loans Deposits Equity ROAA ROAE NIM ER

NOTE: CDBA Members are shaded gray. ($000) ($000) ($000) ($000) (%) (%) (%) (%)


Homeland Federal Savings Bank 164,352 125,720 141,173 18,272 2.11 18.77 5.52 64.53

Illinois-Service Federal S&LA 110,142 49,936 101,258 5,569 (1.19) (22.28) 3.36 144.13

Industrial Bank 355,688 264,132 309,366 38,550 0.53 4.94 4.57 90.68

International Bank of Chicago 525,588 304,825 459,417 62,687 1.57 13.47 3.83 48.84

Liberty Bank and Trust Company 623,805 309,692 544,348 51,170 0.89 10.79 4.23 74.59

Magnolia State Bank 322,398 247,386 286,203 30,213 1.36 14.78 4.38 68.49

Mechanics & Farmers Bank 297,548 172,697 256,194 35,503 (0.17) (1.48) 3.39 106.42

Mechanics Bank 219,045 128,441 195,164 22,241 0.56 5.52 3.77 72.68

Merchants and Planters Bank 93,052 26,284 84,946 7,808 (0.36) (3.97) 2.33 113.55

Metro Bank 32,952 13,228 27,389 5,358 (1.02) (6.31) 2.22 127.07

Mission Valley Bank 275,476 193,474 235,700 36,465 0.85 6.30 4.69 74.81

Mitchell Bank 53,591 24,521 45,476 7,899 0.11 0.71 3.55 97.75

Native American Bank, N.A. 62,725 48,323 55,705 6,656 (0.66) (6.34) 4.21 112.88

Neighborhood National Bank 66,244 33,147 60,685 4,713 1.68 24.67 3.54 101.65

Noah Bank 302,785 254,568 247,886 34,738 1.20 10.60 4.58 72.70

North Milwaukee State Bank 78,570 49,833 70,846 5,520 (0.95) (13.04) 3.52 116.80

Northern Hancock Bank & Trust Co. 26,811 19,958 22,886 3,400 0.48 3.75 7.73 86.89

OneUnited Bank 642,449 430,581 360,329 48,676 (0.04) (0.54) 2.29 118.29

Oxford University Bank 119,279 82,408 105,511 11,039 0.69 7.37 3.70 72.11

Pacific Global Bank 159,740 119,518 140,254 18,558 0.66 5.76 3.76 72.74

Pan American Bank (CA) 36,175 30,081 31,090 4,909 (7.35) (52.54) 4.33 258.62

Pan American Bank (IL) 295,680 204,434 273,349 21,652 0.48 6.40 3.82 83.55

Peoples Bank 250,371 200,137 208,373 24,361 1.93 19.55 5.67 59.18

PriorityOne Bank 585,565 414,063 493,555 63,451 1.42 12.99 3.99 67.77

ProAmerica Bank 160,376 126,107 131,046 28,041 (0.20) (1.13) 3.95 108.41

Richland State Bank 288,385 163,310 255,145 28,991 1.01 10.05 4.07 72.09

Richton Bank & Trust Company 64,799 25,688 55,326 9,202 0.60 4.18 3.74 84.84

RiverHills Bank 308,577 176,830 253,707 26,828 1.15 12.95 2.88 57.13

Savoy Bank 141,374 110,525 127,987 12,743 0.51 5.28 4.66 81.42

Seaway Bank and Trust Company 404,889 259,576 313,576 42,585 (0.20) (1.88) 5.41 109.69

Security Federal Bank 822,835 339,977 678,593 94,238 0.79 6.80 3.08 85.71

Security State Bank of Wewoka, OK 203,535 127,834 185,866 15,462 0.52 6.43 4.19 65.85

South Carolina Community Bank 58,075 40,947 54,655 3,216 (0.51) (9.33) 3.55 105.10

Southern Bancorp Bank 1,166,122 766,971 964,759 138,845 0.99 8.31 4.30 66.05

Spring Bank 118,155 89,772 102,568 15,071 2.14 16.59 4.98 62.72

Start Community Bank 78,060 65,877 56,061 10,623 (1.28) (9.24) 2.81 132.86

State Bank & Trust Company 984,815 750,633 793,751 109,664 0.61 5.50 4.00 71.22

Sunrise Banks, N.A. 991,751 454,374 888,969 79,830 1.50 21.19 2.85 88.79

Sycamore Bank 206,407 122,932 185,379 19,591 0.68 7.05 3.88 75.23

The Bank of Vernon 145,365 99,568 121,763 22,038 0.83 5.46 4.25 60.18

The Citizens National Bank of Meridian 1,143,710 753,077 987,297 135,368 1.35 11.41 3.66 68.67

The Commercial Bank 131,769 74,241 114,357 13,279 0.50 4.99 4.19 81.29

The First, A National Banking Association 1,145,293 718,016 980,450 108,210 0.79 8.31 3.65 67.86

The Harbor Bank of Maryland 231,210 152,834 197,962 25,856 0.24 2.18 4.01 91.35

The Jefferson Bank 102,433 55,465 83,113 17,054 1.61 9.88 4.87 49.17

Tri-State Bank of Memphis 123,327 76,063 109,817 12,597 0.37 3.78 4.14 85.78

United Bank 506,941 266,217 453,264 51,134 0.48 4.82 3.41 80.85

United Bank of Philadelphia 58,872 43,398 55,261 3,252 0.10 1.87 4.80 104.37

United Mississippi Bank 359,930 250,025 323,284 34,478 1.13 11.31 4.21 78.92

Urban Partnership Bank 738,906 522,708 666,044 62,468 (2.28) (27.17) 5.31 190.67West Alabama Bank & Trust 575,210 298,036 470,792 71,612 1.11 8.93 3.45 59.68

CDBA Members 423,405 270,835 355,147 43,820 0.64 5.64 3.89 84.12

Non-CDBA Members 221,372 138,282 187,866 24,698 0.75 6.59 4.10 76.55

All CDFI Banks 325,071 206,318 273,727 34,513 0.70 6.31 3.99 79.55

Banks $50M-$100M 75,009 44,231 63,094 9,410 0.72 6.15 3.70 77.53

Banks $100M-$300M 169,542 111,840 141,909 20,240 0.87 7.75 3.66 70.99

Banks $300M-$1B 528,130 346,167 442,291 57,589 1.01 9.54 3.70 66.71

Banks $1B-$3B 1,649,891 1,078,496 1,361,156 184,423 0.97 9.22 3.59 66.42AV

ERA

GE



Institution Name NPA NCO LLR TR T1RbC RbCR NIBD NII NIE

NOTE: CDBA Members are shaded gray. (%) (%) (%) (%) (%) (%) (%) (%) (%)

ABC Bank 3.76 0.62 2.29 71.14 14.35 15.54 17.90 0.71 3.23

Albina Community Bank 1.20 (1.87) 2.64 21.30 14.82 16.09 38.07 1.04 4.33

American Metro Bank 11.07 (0.49) 3.37 111.89 12.91 14.19 8.01 0.23 4.50

American Plus Bank, N.A. 0.56 0.00 1.61 3.55 15.99 17.24 7.20 0.22 1.77

Amory Federal S&LA 1.38 1.07 0.83 12.09 22.22 23.46 0.00 (0.21) 2.24

Bank 2 1.70 0.00 1.74 12.18 15.14 16.39 15.58 4.20 6.62

Bank of Anguilla 0.83 0.05 1.96 5.28 16.06 17.12 31.68 1.36 3.54

Bank of Cherokee County 0.40 0.61 1.50 5.75 13.61 13.61 17.37 0.43 3.53

Bank of Commerce 0.44 0.09 1.45 0.84 10.00 11.22 16.66 0.28 1.69

Bank of Kilmichael 0.60 0.05 1.36 5.74 14.75 14.75 19.59 0.59 2.70

Bank of Lake Village 0.83 0.00 1.89 4.49 18.90 20.16 27.80 0.31 2.88

Bank of Montgomery 0.60 0.58 0.56 5.24 12.41 13.02 16.05 1.97 3.81

Bank of Okolona 1.75 0.05 1.29 13.25 13.95 15.09 92.16 0.63 2.87

Bank of Winona 0.76 0.03 1.71 6.52 19.44 20.61 17.83 0.26 2.24

Bank of York 0.16 (0.03) 0.99 1.27 18.38 18.95 78.66 0.59 2.41

BankFirst Financial Services 2.32 0.13 1.63 22.96 12.01 13.27 14.75 0.64 2.84

BankPlus 2.03 0.24 1.27 27.57 13.01 13.97 25.80 2.08 3.93

Beneficial State Bank 1.88 0.03 1.59 27.00 13.24 14.49 27.73 0.17 3.24

BNA Bank 2.10 0.17 2.39 21.46 21.03 22.29 12.04 0.64 2.23

Broadway Federal Bank, f.s.b. 2.88 0.06 2.56 47.54 17.19 18.47 9.24 0.68 3.26

Caldwell Bank & Trust Company 1.60 0.11 0.89 8.43 9.62 9.64 18.81 0.73 3.44

Carver Federal Savings Bank 2.22 0.32 1.02 27.40 15.02 16.12 10.41 0.71 4.12

Carver State Bank 7.72 (0.02) 1.37 72.90 15.74 16.95 15.22 1.96 5.36

CBMI: Community Bank 2.13 0.07 1.08 22.54 14.58 15.83 6.08 0.78 2.55

CBMI: Community Bank of Mississippi 1.54 0.07 0.96 22.82 12.75 13.73 6.19 0.53 3.54

CBMI: Community Bank, Coast 1.76 0.16 1.02 22.63 12.07 13.12 16.09 0.57 2.87

CBMI: Community Bank, North Mississippi 2.30 0.10 1.01 25.67 14.79 15.73 5.97 0.58 2.75

CBW Bank 0.43 0.00 3.68 2.27 64.63 65.87 54.05 16.54 5.70

Central Bank of Kansas City 2.28 (0.02) 2.20 17.97 21.57 21.57 36.78 4.76 5.36

Citizens Bank 0.19 0.37 0.91 1.65 25.17 26.11 21.42 0.84 3.13

Citizens Bank 1.53 0.13 1.64 15.93 14.76 16.01 23.66 1.03 3.64

Citizens Progressive Bank 2.00 0.09 0.81 7.28 11.62 12.47 16.51 0.71 3.81

Citizens Savings Bank and Trust Company 2.98 (0.22) 1.42 34.41 9.98 11.23 11.21 0.21 4.39

Citizens Trust Bank 2.73 0.31 1.15 30.85 20.02 20.02 25.07 0.99 3.52

City First Bank of D.C., N.A. 3.43 0.62 2.44 17.92 17.71 18.98 13.30 0.55 3.67

City National Bank of New Jersey 10.50 0.26 5.91 243.99 3.18 4.47 22.24 1.05 6.32

Colfax Banking Company 0.16 0.03 0.49 0.74 19.58 20.07 28.65 0.58 3.21

Commercial Capital Bank 0.80 0.00 1.41 0.27 17.79 19.04 17.84 0.80 3.86

Community Bank of the Bay 0.89 0.33 1.61 11.86 11.36 12.60 32.37 0.95 3.39

Community Capital Bank of Virginia 1.06 0.00 1.00 11.22 14.02 20.08 1.97 0.31 2.59

Community Commerce Bank 2.74 0.00 4.04 14.85 35.85 37.12 0.99 0.37 3.92

Concordia Bank & Trust Company 0.92 0.01 0.41 6.77 21.59 21.92 24.09 0.53 2.23

Cottonport Bank 1.67 0.37 1.56 12.73 18.99 18.99 30.36 1.12 3.59

Cross Keys Bank 0.40 (0.02) 0.76 6.54 18.43 19.02 23.59 1.04 3.37

Delta Bank 0.46 0.30 1.02 6.46 11.53 12.51 21.68 0.66 3.10

Farmers and Merchants Bank 0.84 (0.01) 2.21 10.89 20.88 22.14 15.26 0.87 3.38

FBT Bank & Mortgage 0.56 0.06 1.50 4.57 18.97 20.22 22.72 0.92 3.74

Finance and Thrift Company 0.73 5.37 3.99 0.00 32.78 34.06 1.16 2.40 9.94

First American International Bank 0.99 (0.30) 1.99 7.27 19.62 20.88 24.48 1.17 4.40

First Bank of Linden 0.00 (0.05) 1.17 0.00 21.78 22.60 19.15 0.36 2.91

First Choice Bank 0.04 0.00 1.62 0.44 9.94 11.19 12.51 0.60 2.74

First Eagle Bank 0.04 (0.01) 2.01 4.72 17.53 18.78 5.48 0.42 1.93

First Independence Bank 0.74 (0.11) 1.24 11.72 14.04 15.11 58.58 5.20 8.32

First Security Bank 1.70 (0.02) 0.95 13.68 19.03 19.87 26.54 1.16 3.20

First Southwest Bank 2.22 0.08 1.48 22.10 13.11 14.36 18.93 0.72 4.01

First State Bank 2.56 0.18 1.48 308.01 6.67 7.92 7.76 0.18 4.86

Florida Parishes Bank 0.80 (0.04) 2.10 17.55 16.10 17.36 26.34 1.34 3.82

FNB Oxford Bank 0.49 (0.08) 1.47 3.58 20.67 21.92 31.53 0.51 2.66

Gateway Bank, F.S.B. 3.85 0.66 2.14 146.18 8.23 9.00 1.24 (0.47) 4.17

Golden Bank, N.A. 1.35 (0.07) 1.53 8.46 18.46 19.71 16.07 0.19 2.13

Guaranty Bank and Trust Company 2.22 0.11 1.74 22.46 13.63 13.94 20.77 1.13 3.17

Holmes County Bank & Trust Company 3.24 (0.17) 2.72 35.87 21.13 22.39 18.69 0.62 3.21




Institution Name NPA NCO LLR TR T1RbC RbCR NIBD NII NIE

NOTE: CDBA Members are shaded gray. (%) (%) (%) (%) (%) (%) (%) (%) (%)


Homeland Federal Savings Bank 1.38 (0.46) 2.05 14.22 15.38 16.64 14.06 1.14 3.95

Illinois-Service Federal S&LA 10.21 2.30 5.62 155.27 8.61 9.92 11.90 0.66 5.68

Industrial Bank 3.37 (0.13) 1.85 36.34 16.55 16.55 26.37 0.97 4.82

International Bank of Chicago 2.55 0.45 3.04 23.83 18.34 19.62 33.47 0.17 1.92

Liberty Bank and Trust Company 2.31 1.06 2.48 28.19 15.39 16.66 19.50 0.63 3.34

Magnolia State Bank 0.47 0.03 0.80 0.94 12.51 13.36 12.50 0.39 3.05

Mechanics & Farmers Bank 3.96 (0.01) 2.00 81.99 18.01 19.26 17.64 0.16 3.55

Mechanics Bank 3.59 0.24 2.28 34.10 16.26 17.52 18.47 0.55 2.88

Merchants and Planters Bank 1.04 0.05 2.01 11.59 13.44 14.44 34.81 0.43 2.95

Metro Bank 1.86 (0.39) 2.04 10.91 31.27 32.52 0.00 1.61 4.81

Mission Valley Bank 0.60 (0.11) 2.16 5.53 16.67 17.93 44.89 1.04 4.09

Mitchell Bank 11.43 0.00 2.59 77.78 25.59 26.83 23.56 1.58 4.60

Native American Bank, N.A. 1.02 (0.05) 1.96 10.70 27.87 29.15 19.27 0.97 5.78

Neighborhood National Bank 1.02 (0.90) 6.24 30.73 14.71 16.03 36.56 3.67 6.58

Noah Bank 2.10 0.88 2.13 17.12 12.49 13.75 16.12 1.89 4.63

North Milwaukee State Bank 14.12 9.54 4.04 189.41 6.43 7.69 14.41 0.42 4.44

Northern Hancock Bank & Trust Co. 4.81 1.62 1.32 43.29 20.36 21.96 19.82 0.72 6.64

OneUnited Bank 1.99 0.01 0.68 27.22 11.60 12.83 7.54 0.22 2.87

Oxford University Bank 1.88 0.00 0.96 18.44 14.00 15.00 20.82 0.43 2.72

Pacific Global Bank 1.01 (0.14) 3.50 10.29 22.13 23.43 12.98 0.30 2.90

Pan American Bank (CA) 6.36 0.08 2.70 101.05 23.73 25.01 20.98 0.38 11.99

Pan American Bank (IL) 1.38 0.01 1.09 33.50 10.19 11.25 26.54 0.30 3.21

Peoples Bank 4.36 0.33 1.33 45.71 12.79 14.04 13.16 1.07 3.74

PriorityOne Bank 1.07 0.05 1.76 24.33 13.77 15.02 16.00 1.48 3.52

ProAmerica Bank 0.22 (0.09) 1.70 3.27 19.04 20.29 21.99 0.12 4.30

Richland State Bank 0.40 (0.04) 1.00 4.59 15.30 16.19 23.62 0.63 3.19

Richton Bank & Trust Company 0.47 0.03 1.78 2.38 22.21 128.01 22.48 1.00 3.52

RiverHills Bank 1.11 0.19 2.29 17.75 14.53 15.79 18.17 0.45 1.86

Savoy Bank 2.30 0.00 2.05 27.71 11.31 12.57 26.71 0.08 3.78

Seaway Bank and Trust Company 14.60 2.88 4.99 52.97 18.57 19.86 22.42 3.92 9.53

Security Federal Bank 1.88 0.63 2.33 22.57 23.09 24.35 9.83 0.64 3.04

Security State Bank of Wewoka, OK 1.26 (0.07) 2.04 7.43 10.01 11.26 21.92 0.71 3.26

South Carolina Community Bank 26.18 (0.06) 4.56 299.65 6.25 7.53 13.32 0.90 4.52

Southern Bancorp Bank 1.16 0.15 1.13 11.90 12.88 13.98 4.52 0.77 2.99

Spring Bank 2.71 0.00 1.16 20.65 18.77 20.02 10.48 1.49 3.99

Start Community Bank 0.45 0.78 1.34 3.05 18.68 19.93 8.44 0.51 4.37

State Bank & Trust Company 1.10 0.10 1.20 9.56 10.16 11.28 7.43 0.64 2.98

Sunrise Banks, N.A. 0.63 (0.04) 1.38 7.74 15.86 17.09 73.44 9.13 10.40

Sycamore Bank 0.84 0.03 1.28 22.39 15.52 16.77 13.00 0.88 3.31

The Bank of Vernon 2.93 0.81 2.39 38.10 20.02 21.29 18.45 0.64 2.86

The Citizens National Bank of Meridian 1.17 0.01 1.40 14.87 12.33 13.35 19.59 1.18 3.21

The Commercial Bank 1.13 (0.05) 1.25 11.57 13.19 14.20 21.42 0.61 3.55

The First, A National Banking Association 0.96 0.18 0.83 11.58 12.46 13.24 20.79 0.59 2.62

The Harbor Bank of Maryland 1.98 (0.52) 1.96 44.57 11.98 13.24 25.10 1.10 4.22

The Jefferson Bank 0.02 0.01 2.72 0.11 24.77 25.72 24.84 0.42 2.54

Tri-State Bank of Memphis 6.52 0.68 2.57 38.58 12.14 13.29 18.27 0.98 3.95

United Bank 1.75 (0.02) 1.40 19.83 15.92 17.13 38.87 0.96 3.19

United Bank of Philadelphia 5.55 (0.04) 1.57 101.27 7.87 9.03 26.12 2.23 7.12

United Mississippi Bank 1.03 0.11 0.59 9.90 11.90 12.44 44.27 1.34 4.31

Urban Partnership Bank 10.42 1.76 5.30 30.63 18.90 20.24 11.45 0.12 8.51West Alabama Bank & Trust 0.25 0.08 1.39 6.09 18.17 19.32 4.78 0.88 2.44

CDBA Members 2.14 0.18 1.85 26.10 15.18 16.40 20.56 1.08 4.01

Non-CDBA Members 1.99 0.13 1.81 22.44 16.71 18.01 20.53 0.68 3.50

All CDFI Banks 2.09 0.14 1.80 22.98 15.90 17.08 20.55 0.85 3.73

Banks $50M-$100M 1.91 0.08 1.65 13.59 18.49 19.64 19.84 0.52 3.15

Banks $100M-$300M 1.64 0.06 1.52 12.75 15.97 17.10 20.07 0.49 2.83

Banks $300M-$1B 1.30 0.07 1.44 12.17 14.55 15.66 20.54 0.74 2.83

Banks $1B-$3B 0.99 0.07 1.34 10.19 13.34 14.46 24.01 0.90 2.88AV

ERA

GE



Institution Name AG ROAA ROAE NIM ER NPA NIBD NII TOTAL

1 CBW Bank 4 1 1 113 1 13 5 1 139

2 Bank of Montgomery CDBA 22 5 4 17 15 22 73 11 169

3 The Jefferson Bank 11 13 33 16 6 2 30 87 198

4 Bank of Okolona 46 9 10 9 8 64 1 65 212

5 Caldwell Bank & Trust Company 5 10 7 11 17 59 57 50 216

6 Farmers and Merchants Bank CDBA 31 7 12 3 11 34 76 45 219

6 Florida Parishes Bank 65 23 22 13 22 30 25 19 219

8 Citizens Bank 23 15 11 26 40 57 33 33 238

9 Central Bank of Kansas City CDBA 89 2 8 29 18 80 10 4 240

10 Sunrise Banks, N.A. CDBA 20 16 3 104 86 25 3 2 259

11 Community Bank of the Bay CDBA 14 51 40 38 28 35 14 40 260

12 Bank of Anguilla CDBA 27 44 37 45 46 31 15 18 263

13 Homeland Federal Savings Bank 68 4 6 6 21 56 80 24 265

14 Mission Valley Bank CDBA 35 47 61 19 58 24 6 30 280

15 Peoples Bank CDBA 45 8 5 4 13 100 83 28 286

16 Colfax Banking Company 62 20 16 43 51 6 18 74 290

16 PriorityOne Bank 33 18 20 53 30 45 74 17 290

18 Bank of Commerce 21 27 18 61 2 14 68 98 309

19 Spring Bank CDBA 70 3 9 14 19 87 92 16 310

20 Guaranty Bank and Trust Company CDBA 12 27 27 67 26 79 49 25 312

21 Cross Keys Bank 93 23 29 53 38 12 35 30 313

22 United Mississippi Bank 90 32 26 36 65 42 7 19 317

23 Delta Bank 41 41 23 57 41 16 43 58 320

24 FBT Bank & Mortgage 55 36 34 35 62 21 37 41 321

25 The Citizens National Bank of Meridian CDBA 47 22 25 78 36 50 51 21 330

26 Bank of Kilmichael CDBA 76 19 13 57 20 23 52 71 331

27 Citizens Progressive Bank 13 33 39 5 53 72 69 53 337

28 Security State Bank of Wewoka, OK 2 70 59 38 24 52 42 53 340

29 BankPlus CDBA 8 46 35 87 55 73 27 10 341

30 Noah Bank CDBA 60 29 30 22 49 75 70 13 348

31 Commercial Capital Bank 80 26 32 24 47 29 64 47 349

31 Magnolia State Bank 57 21 14 28 35 17 87 90 349

33 Richland State Bank 83 38 31 46 44 11 34 65 352

34 First Eagle Bank CDBA 85 6 19 49 4 3 105 87 358

35 Neighborhood National Bank CDBA 111 11 2 85 93 40 11 7 360

36 First Independence Bank CDBA 1 95 95 47 91 27 4 3 363

37 FNB Oxford Bank 39 51 63 73 29 19 16 81 371

38 Liberty Bank and Trust Company 9 45 28 34 56 83 53 65 373

39 International Bank of Chicago CDBA 75 14 17 64 5 85 13 106 379

40 American Plus Bank, N.A. 16 29 46 69 3 20 101 101 385

41 First Choice Bank 7 62 54 80 23 4 86 70 386

42 West Alabama Bank & Trust 56 33 36 90 14 9 106 43 387

43 First Security Bank CDBA 38 51 55 81 59 61 23 23 391

43 RiverHills Bank CDBA 34 31 21 103 10 47 62 83 391

43 The First, A National Banking Association CDBA 26 54 44 79 32 37 48 71 391

46 Cottonport Bank 63 57 58 55 57 60 17 26 393

47 First Bank of Linden 105 37 50 27 27 1 55 93 395

48 Sycamore Bank 10 60 53 62 60 33 84 43 405

49 Golden Bank, N.A. 66 25 38 42 7 53 72 104 407

50 Albina Community Bank CDBA 48 68 70 51 85 51 9 30 412

51 CBMI: Community Bank CDBA 50 35 24 65 12 76 103 48 413

52 The Bank of Vernon CDBA 43 49 69 33 16 91 60 60 421

53 CBMI: Community Bank of Mississippi CDBA 17 56 42 22 54 58 102 79 430

54 Southern Bancorp Bank CDBA 87 40 44 31 25 49 107 49 432

55 BNA Bank 49 39 48 73 9 74 88 60 440

56 Finance and Thrift Company CDBA 96 81 91 1 34 26 110 8 447

57 Richton Bank & Trust Company 64 66 77 75 77 18 38 34 449

58 CBMI: Community Bank, Coast CDBA 6 63 64 63 42 65 71 76 450

58 Savoy Bank 3 72 71 20 71 81 21 111 450

60 Citizens Bank 29 85 83 91 67 7 45 46 453

61 Concordia Bank & Trust Company 86 42 47 102 31 36 32 79 455

62 United Bank CDBA 40 74 74 92 69 63 8 39 459

Peer Group Scorecard (All CDBA Members and Non-Members)



Institution Name AG ROAA ROAE NIM ER NPA NIBD NII TOTAL

Peer Group Scorecard (All CDBA Members and Non-Members)

63 Bank of Cherokee County 59 70 57 48 68 10 67 84 463

64 Bank of Winona 52 42 41 99 38 28 65 99 464

65 Bank 2 CDBA 15 74 82 70 83 62 75 5 466

66 ABC Bank CDBA 95 47 49 32 33 97 63 53 469

67 Pan American Bank (IL) CDBA 25 74 60 65 74 55 22 96 471

68 The Commercial Bank CDBA 58 73 72 38 70 48 44 69 472

69 Bank of York 100 63 62 107 63 5 2 71 473

70 Carver State Bank CDBA 73 57 52 15 84 105 77 12 475

71 Oxford University Bank CDBA 44 59 51 77 45 69 47 84 476

72 Broadway Federal Bank, f.s.b. CDBA 69 12 15 89 66 90 95 57 493

73 State Bank & Trust Company CDBA 61 65 68 51 43 46 100 60 494

74 First American International Bank CDBA 74 89 90 67 90 38 31 22 501

75 Beneficial State Bank CDBA 24 80 78 57 75 67 20 106 507

76 BankFirst Financial Services CDBA 84 50 43 76 37 84 78 60 512

77 First Southwest Bank CDBA 36 86 85 38 87 77 56 51 516

77 Industrial Bank CDBA 107 69 73 24 88 94 24 37 516

79 Northern Hancock Bank & Trust Co. 78 74 81 2 81 101 50 51 518

80 Bank of Lake Village 37 90 88 98 76 32 19 94 534

81 United Bank of Philadelphia CDBA 103 93 89 18 95 102 26 9 535

82 The Harbor Bank of Maryland 98 87 87 50 89 70 28 27 536

83 Mechanics Bank 54 67 67 71 48 96 59 77 539

84 Community Commerce Bank 112 16 66 7 52 89 111 92 545

85 Citizens Trust Bank 72 79 79 94 78 88 29 35 554

86 Pacific Global Bank 88 61 65 72 50 39 85 96 556

87 Mitchell Bank 42 92 94 83 92 110 36 15 564

88 Native American Bank, N.A. CDBA 94 104 103 36 102 41 54 37 571

89 Merchants and Planters Bank CDBA 19 102 101 110 103 43 12 84 574

89 Seaway Bank and Trust Company 109 99 100 8 101 112 39 6 574

91 Tri-State Bank of Memphis 92 83 80 43 80 104 61 36 579

92 Security Federal Bank CDBA 82 54 56 101 79 68 94 60 594

93 Carver Federal Savings Bank CDBA 18 87 86 96 94 78 93 53 605

94 ProAmerica Bank 104 99 97 60 100 8 41 109 618

95 Citizens Savings Bank and Trust Company 79 84 76 12 82 92 91 103 619

96 Holmes County Bank & Trust Company 28 97 98 108 97 93 58 68 647

97 Community Capital Bank of Virginia CDBA 77 82 84 100 61 44 108 94 650

98 CBMI: Community Bank, North Mississippi CDBA 91 74 75 93 64 82 104 74 657

99 City First Bank of D.C., N.A. CDBA 99 91 92 55 72 95 82 77 663

100 Start Community Bank CDBA 51 110 106 105 108 15 96 81 672

101 First State Bank 67 101 104 20 99 86 98 105 680

102 Amory Federal S&LA 71 94 93 88 73 54 112 112 697

103 OneUnited Bank CDBA 30 96 96 111 105 71 99 101 709

104 North Milwaukee State Bank 32 106 108 86 104 111 79 87 713

105 Pan American Bank (CA) 110 113 112 29 113 103 46 91 717

106 Metro Bank CDBA 101 107 102 112 107 66 112 14 721

107 South Carolina Community Bank 97 103 107 83 96 113 81 42 722

108 City National Bank of New Jersey CDBA 106 112 113 109 110 108 40 29 727

109 Mechanics & Farmers Bank CDBA 81 97 99 94 98 99 66 108 742

110 Urban Partnership Bank CDBA 102 111 111 10 111 107 90 109 751

111 American Metro Bank 53 105 105 82 106 109 97 100 757

112 Illinois-Service Federal S&LA CDBA 108 109 110 97 109 106 89 58 786

113 Gateway Bank, F.S.B. CDBA 113 108 109 105 112 98 109 113 867

AG: Asset Growth, ROAA: Return on Average Assets, ROAE: Return on Average Equity, NIM: Net Interest Margin, ER: Efficiency Ratio, NPA: Non-Performing Assets/

Assets, NIBD: Non Performing-Bearing Deposits/ Deposits, NII: Non-Interest Income/ Average Assets



Institution Name Institution Name

2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 First Independence Bank 9.96 7.34 98.93 1 OneUnited Bank 14.26 (6.59) 99.40

2 CBMI: Community Bank, Coast 65.73 9.30 34.93 2 Carver Federal Savings Bank 4.54 9.30 44.15

3 BankPlus 6.34 0.89 32.49 3 Pan American Bank (IL) 10.81 18.00 42.15

4 Guaranty Bank and Trust Company 3.23 2.42 28.74 4 Community Capital Bank of Virginia 45.60 18.92 33.18

5 Community Bank of the Bay 12.83 28.34 25.97 5 Beneficial State Bank 25.52 19.06 30.26

6 Bank 2 5.12 1.39 24.66 6 Bank of Montgomery 15.38 8.61 16.58

7 CBMI: Community Bank of Mississippi 7.39 (3.84) 23.17 7 RiverHills Bank 3.77 4.16 14.02

8 Carver Federal Savings Bank (0.25) 1.10 22.76 8 Bank of Kilmichael 7.84 1.37 12.32

9 Merchants and Planters Bank 1.83 (0.11) 22.54 9 First American International Bank (2.45) 11.87 11.82

10 Sunrise Banks, N.A. 148.59 10.81 22.46 10 Merchants and Planters Bank (1.95) (2.08) 11.72

11 Bank of Montgomery 18.89 1.77 19.87 11 Peoples Bank 8.60 2.30 11.20

12 Beneficial State Bank 10.97 16.94 19.74 12 Start Community Bank 71.46 30.78 11.08

13 Pan American Bank (IL) (1.81) 27.16 19.41 13 Bank 2 (6.43) 13.29 10.54

14 The First, A National Banking Association 30.76 16.31 19.15 14 Finance and Thrift Company (2.40) 4.33 7.60

15 Bank of Anguilla 8.66 1.70 18.88 15 United Bank (4.56) 3.43 7.28

16 OneUnited Bank 2.42 (0.31) 18.23 16 State Bank & Trust Company 5.58 3.15 6.61

17 Farmers and Merchants Bank 13.07 20.03 18.08 17 The First, A National Banking Association 41.00 21.14 6.44

18 RiverHills Bank 3.68 1.85 17.44 18 The Citizens National Bank of Meridian 5.91 5.07 6.28

19 Mission Valley Bank 11.62 (2.00) 17.10 19 BankPlus 1.39 7.45 6.07

20 First Southwest Bank (0.45) 3.07 16.94 20 First Eagle Bank 28.56 14.58 6.03

21 First Security Bank (6.00) 4.62 16.18 21 City First Bank of D.C., N.A. 9.06 9.50 5.68

22 United Bank 4.20 0.51 14.90 22 CBMI: Community Bank, Coast 68.16 10.08 5.27

23 The Bank of Vernon (1.71) (2.38) 13.27 23 Mission Valley Bank (4.29) 12.41 4.83

24 Oxford University Bank (7.49) 6.44 13.27 24 Community Bank of the Bay 16.07 37.36 4.18

25 Peoples Bank 7.14 2.49 12.12 25 Oxford University Bank 7.61 8.79 3.62

26 The Citizens National Bank of Meridian (0.22) 2.81 11.08 26 Industrial Bank 3.13 8.58 3.54

27 Albina Community Bank 6.14 8.66 10.70 27 Central Bank of Kansas City 5.26 5.18 3.37

28 CBMI: Community Bank 0.18 1.71 10.15 28 Spring Bank 20.20 10.70 3.26

29 Start Community Bank 41.66 29.80 10.13 29 CBMI: Community Bank 2.87 2.71 2.91

30 The Commercial Bank (0.43) 2.91 7.44 30 First Security Bank 5.68 9.67 2.71

31 Noah Bank 21.35 (1.37) 6.08 31 Sunrise Banks, N.A. 214.03 4.50 1.89

32 State Bank & Trust Company 0.54 2.34 5.83 32 First Southwest Bank 2.13 9.38 (0.21)

33 Broadway Federal Bank, f.s.b. (11.07) 5.53 3.56 33 BankFirst Financial Services (1.21) 9.59 (0.50)

34 Spring Bank 11.40 18.43 3.14 34 CBMI: Community Bank of Mississippi 9.59 6.13 (0.63)

35 Carver State Bank (5.55) 3.15 0.69 35 CBMI: Community Bank, North Mississippi 0.24 2.49 (1.72)

36 First American International Bank 4.88 4.32 0.54 36 First Independence Bank (1.09) (2.90) (3.08)

37 International Bank of Chicago 12.47 9.52 0.24 37 Farmers and Merchants Bank 16.20 10.43 (3.52)

38 Bank of Kilmichael 3.40 4.42 0.23 38 Guaranty Bank and Trust Company 0.03 1.27 (3.96)

39 Community Capital Bank of Virginia 33.43 14.02 0.21 39 International Bank of Chicago 3.89 3.56 (4.10)

40 Mechanics & Farmers Bank 2.58 (1.03) (0.85) 40 The Commercial Bank (7.11) 10.27 (4.12)

41 Security Federal Bank (4.62) (2.82) (1.09) 41 Metro Bank 9.37 (1.30) (5.22)

42 BankFirst Financial Services (4.52) 4.14 (1.42) 42 Mechanics & Farmers Bank 9.39 (7.59) (5.46)

43 First Eagle Bank 7.63 9.18 (1.96) 43 Native American Bank, N.A. 7.95 (1.94) (5.93)

44 Southern Bancorp Bank 2.98 1.89 (2.20) 44 Broadway Federal Bank, f.s.b. (8.72) 18.06 (6.03)

45 Central Bank of Kansas City (4.82) 12.89 (3.04) 45 Southern Bancorp Bank 10.19 5.07 (6.53)

46 CBMI: Community Bank, North Mississippi (1.23) 3.74 (3.78) 46 Illinois-Service Federal S&LA (5.92) (8.98) (6.95)

47 Native American Bank, N.A. (5.19) 8.55 (4.47) 47 ABC Bank 3.22 2.69 (8.36)

48 ABC Bank (4.63) 4.87 (5.34) 48 Security Federal Bank (9.75) (5.67) (9.48)

49 Finance and Thrift Company (1.04) (3.42) (5.39) 49 City National Bank of New Jersey (5.49) (6.84) (9.52)

50 City First Bank of D.C., N.A. (5.17) 12.60 (8.24) 50 Carver State Bank (2.09) (0.47) (11.61)

51 Metro Bank 2.04 1.06 (9.43) 51 Albina Community Bank 8.33 12.58 (11.74)

52 Urban Partnership Bank (10.32) (22.70) (10.47) 52 The Bank of Vernon (10.82) 0.10 (13.66)

53 United Bank of Philadelphia (7.42) (0.33) (11.08) 53 Urban Partnership Bank (11.68) (13.92) (14.53)

54 City National Bank of New Jersey (13.77) (7.02) (12.61) 54 Noah Bank 52.64 (2.28) (16.97)

55 Industrial Bank (0.21) 1.38 (13.68) 55 Neighborhood National Bank (29.86) (24.95) (32.74)

56 Illinois-Service Federal S&LA (12.86) (2.96) (14.18) 56 United Bank of Philadelphia 6.88 7.62 (36.35)

57 Neighborhood National Bank (23.91) (16.68) (20.36) 57 Bank of Anguilla 10.03 0.07 (53.88)58 Gateway Bank, F.S.B. (10.76) (12.02) (44.16) 58 Gateway Bank, F.S.B. (28.91) 19.67 (59.66)

CDBA Members 5.62 2.87 11.96 CDBA Members 8.06 5.73 4.67

Non-CDBA Members 2.99 2.92 11.02 Non-CDBA Members 5.79 8.73 7.92

All CDFI Banks 4.73 2.89 11.65 All CDFI Banks 7.33 6.69 5.73

Banks $50M-$100M (0.15) 3.32 5.19 Banks $50M-$100M 1.72 5.23 3.65

Banks $100M-$300M 2.20 6.42 7.52 Banks $100M-$300M 4.69 8.97 8.48

Banks $300M-$1B 3.62 7.19 9.21 Banks $300M-$1B 6.20 10.01 7.13

Banks $1B-$3B 5.69 9.28 13.99 Banks $1B-$3B 8.65 12.84 13.99

Asset Growth YTD Loan Growth YTDAsset Growth (%) Loan Growth (%)

AV

ERA

GE

AV

ERA

GE



Institution Name Institution Name Assets (%) Loans (%) Deposits (%)

2013Y 2014Y 2015Q1 2015Q1 2015Q1 2015Q1

1 First Independence Bank 10.32 8.19 120.03 ABC Bank (5.34) (8.36) (6.58)

2 Merchants and Planters Bank (2.59) (3.37) 59.50 Albina Community Bank 10.70 (11.74) 11.73

3 The First, A National Banking Association 31.35 14.59 42.39 Bank 2 24.66 10.54 25.92

4 CBMI: Community Bank, Coast 62.01 11.03 42.24 Bank of Anguilla 18.88 (53.88) 29.87

5 BankPlus 6.98 0.94 40.33 Bank of Kilmichael 0.23 12.32 2.68

6 Guaranty Bank and Trust Company 3.85 2.18 33.00 Bank of Montgomery 19.87 16.58 32.46

7 Bank of Montgomery 17.62 0.67 32.46 BankFirst Financial Services (1.42) (0.50) (3.17)

8 Noah Bank 13.92 (2.67) 31.71 BankPlus 32.49 6.07 40.33

9 The Commercial Bank 3.15 (0.23) 31.64 Beneficial State Bank 19.74 30.26 5.13

10 Bank of Anguilla 8.48 4.20 29.87 Broadway Federal Bank, f.s.b. 3.56 (6.03) 6.00

11 Community Bank of the Bay 14.99 32.03 28.29 Carver Federal Savings Bank 22.76 44.15 5.78

12 Bank 2 6.55 0.91 25.92 Carver State Bank 0.69 (11.61) 0.46

13 CBMI: Community Bank of Mississippi 8.31 (4.50) 25.91 CBMI: Community Bank 10.15 2.91 9.67

14 Sunrise Banks, N.A. 144.59 11.29 22.90 CBMI: Community Bank of Mississippi 23.17 (0.63) 25.91

15 First Southwest Bank (1.76) 3.43 21.65 CBMI: Community Bank, Coast 34.93 5.27 42.24

16 Mission Valley Bank 15.40 (2.08) 20.08 CBMI: Community Bank, North Mississippi (3.78) (1.72) (5.19)

17 Pan American Bank (IL) (1.50) 26.77 19.87 Central Bank of Kansas City (3.04) 3.37 (0.11)

18 Peoples Bank 6.41 (2.24) 18.73 City First Bank of D.C., N.A. (8.24) 5.68 12.18

19 Farmers and Merchants Bank 11.14 27.49 18.61 City National Bank of New Jersey (12.61) (9.52) (11.74)

20 First Security Bank (6.18) 4.75 17.73 Community Bank of the Bay 25.97 4.18 28.29

21 Start Community Bank 50.66 6.35 17.30 Community Capital Bank of Virginia 0.21 33.18 0.12

22 United Bank 4.97 (0.08) 16.12 Farmers and Merchants Bank 18.08 (3.52) 18.61

23 RiverHills Bank 3.71 1.16 15.57 Finance and Thrift Company (5.39) 7.60 (9.73)

24 OneUnited Bank 2.42 (0.97) 14.28 First American International Bank 0.54 11.82 (3.36)

25 The Bank of Vernon (1.82) (3.48) 14.11 First Eagle Bank (1.96) 6.03 7.27

26 The Citizens National Bank of Meridian (1.48) 3.06 13.63 First Independence Bank 98.93 (3.08) 120.03

27 City First Bank of D.C., N.A. (6.41) 11.63 12.18 First Security Bank 16.18 2.71 17.73

28 Oxford University Bank (10.25) 8.75 11.94 First Southwest Bank 16.94 (0.21) 21.65

29 Albina Community Bank (1.04) 8.97 11.73 Gateway Bank, F.S.B. (44.16) (59.66) 1.33

30 CBMI: Community Bank 1.04 1.51 9.67 Guaranty Bank and Trust Company 28.74 (3.96) 33.00

31 Security Federal Bank (2.61) 0.30 8.25 Illinois-Service Federal S&LA (14.18) (6.95) (13.38)

32 First Eagle Bank 5.77 6.80 7.27 Industrial Bank (13.68) 3.54 5.95

33 Broadway Federal Bank, f.s.b. (16.13) 2.53 6.00 International Bank of Chicago 0.24 (4.10) 1.80

34 Industrial Bank 6.18 2.59 5.95 Mechanics & Farmers Bank (0.85) (5.46) (0.42)

35 Carver Federal Savings Bank (3.66) 7.67 5.78 Merchants and Planters Bank 22.54 11.72 59.50

36 Beneficial State Bank 8.33 18.24 5.13 Metro Bank (9.43) (5.22) (10.15)

37 Bank of Kilmichael 3.46 2.20 2.68 Mission Valley Bank 17.10 4.83 20.08

38 State Bank & Trust Company 4.75 (1.08) 2.52 Native American Bank, N.A. (4.47) (5.93) (4.96)

39 International Bank of Chicago 14.68 7.26 1.80 Neighborhood National Bank (20.36) (32.74) (22.84)

40 Gateway Bank, F.S.B. (12.58) (21.59) 1.33 Noah Bank 6.08 (16.97) 31.71

41 Spring Bank 9.77 19.35 1.28 OneUnited Bank 18.23 99.40 14.28

42 Carver State Bank (6.40) 2.03 0.46 Oxford University Bank 13.27 3.62 11.94

43 Community Capital Bank of Virginia 38.88 15.62 0.12 Pan American Bank (IL) 19.41 42.15 19.87

44 Central Bank of Kansas City (6.11) 15.88 (0.11) Peoples Bank 12.12 11.20 18.73

45 Mechanics & Farmers Bank 3.42 (1.68) (0.42) RiverHills Bank 17.44 14.02 15.57

46 Southern Bancorp Bank 2.11 1.35 (2.49) Security Federal Bank (1.09) (9.48) 8.25

47 BankFirst Financial Services (2.26) 6.70 (3.17) Southern Bancorp Bank (2.20) (6.53) (2.49)

48 First American International Bank (6.98) 6.01 (3.36) Spring Bank 3.14 3.26 1.28

49 Native American Bank, N.A. (1.73) 6.68 (4.96) Start Community Bank 10.13 11.08 17.30

50 CBMI: Community Bank, North Mississippi (1.76) 4.01 (5.19) State Bank & Trust Company 5.83 6.61 2.52

51 ABC Bank (5.63) 3.80 (6.58) Sunrise Banks, N.A. 22.46 1.89 22.90

52 Urban Partnership Bank (10.76) (21.17) (8.83) The Bank of Vernon 13.27 (13.66) 14.11

53 Finance and Thrift Company (1.96) (6.04) (9.73) The Citizens National Bank of Meridian 11.08 6.28 13.63

54 Metro Bank 2.32 1.39 (10.15) The Commercial Bank 7.44 (4.12) 31.64

55 City National Bank of New Jersey (10.28) (6.16) (11.74) The First, A National Banking Association 19.15 6.44 42.39

56 United Bank of Philadelphia (6.34) (0.26) (11.94) United Bank 14.90 7.28 16.12

57 Illinois-Service Federal S&LA (0.97) (1.71) (13.38) United Bank of Philadelphia (11.08) (36.35) (11.94)58 Neighborhood National Bank (24.25) (16.98) (22.84) Urban Partnership Bank (10.47) (14.53) (8.83)




Banks $50M-$100M 0.90 2.33 5.54 Banks $50M-$100M 5.19 3.65 5.54

Banks $100M-$300M 2.24 5.50 8.63 Banks $100M-$300M 7.52 8.48 8.63

Banks $300M-$1B 3.66 6.59 10.70 Banks $300M-$1B 9.21 7.13 10.70

Banks $1B-$3B 5.63 8.81 15.73 Banks $1B-$3B 13.99 13.99 15.73

Deposit Growth YTD Growth Rates YTDDeposit Growth (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Central Bank of Kansas City 0.86 1.70 3.14 1 Neighborhood National Bank (20.71) (18.40) 24.67

2 Spring Bank 2.30 2.25 2.14 2 Sunrise Banks, N.A. 16.77 12.34 21.19

3 Bank of Montgomery 1.89 1.53 2.02 3 Bank of Montgomery 19.35 15.89 20.09

4 First Eagle Bank 2.15 2.01 1.96 4 Peoples Bank 25.13 22.93 19.55

5 Farmers and Merchants Bank 1.22 1.11 1.94 5 Central Bank of Kansas City 5.07 10.01 17.26

6 Peoples Bank 2.47 2.22 1.93 6 Spring Bank 19.04 17.86 16.59

7 Neighborhood National Bank (1.34) (1.06) 1.68 7 Farmers and Merchants Bank 8.07 7.90 15.33

8 Broadway Federal Bank, f.s.b. (0.04) 0.96 1.67 8 Bank of Kilmichael 12.96 18.40 14.85

9 International Bank of Chicago 1.27 1.37 1.57 9 Broadway Federal Bank, f.s.b. (0.44) 8.84 14.44

10 Sunrise Banks, N.A. 1.61 1.05 1.50 10 International Bank of Chicago 12.07 13.05 13.47

11 Bank of Kilmichael 1.09 1.61 1.41 11 First Eagle Bank 14.59 13.64 13.25

12 The Citizens National Bank of Meridian 1.00 1.26 1.35 12 RiverHills Bank 14.07 13.50 12.95

13 Guaranty Bank and Trust Company 1.84 1.54 1.22 13 CBMI: Community Bank 13.14 13.21 11.95

14 Noah Bank 0.42 2.96 1.20 14 The Citizens National Bank of Meridian 8.79 10.72 11.41

15 RiverHills Bank 1.22 1.23 1.15 15 Guaranty Bank and Trust Company 16.59 13.67 10.93

16 CBMI: Community Bank 1.23 1.21 1.10 16 Noah Bank 4.94 32.34 10.60

17 Southern Bancorp Bank 0.83 1.00 0.99 17 BankPlus 9.19 9.36 9.00

18 Bank of Anguilla 0.75 0.73 0.91 18 Bank of Anguilla 7.04 6.98 8.72

19 BankPlus 0.85 0.88 0.87 19 Community Bank of the Bay 11.32 8.54 8.62

20 ABC Bank 0.34 0.76 0.85 20 CBMI: Community Bank of Mississippi 12.40 12.21 8.55

20 Mission Valley Bank 0.76 0.71 0.85 21 BankFirst Financial Services 8.86 8.65 8.52

22 The Bank of Vernon 0.30 0.67 0.83 22 Southern Bancorp Bank 7.93 9.08 8.31

23 BankFirst Financial Services 0.82 0.84 0.82 22 The First, A National Banking Association 6.84 7.43 8.31

24 Community Bank of the Bay 1.25 0.91 0.81 24 ABC Bank 3.38 7.19 7.88

24 First Security Bank 0.70 1.01 0.81 25 Oxford University Bank 7.85 7.34 7.37

26 Security Federal Bank 0.48 0.74 0.79 26 Carver State Bank (1.59) 1.58 7.24

26 The First, A National Banking Association 0.67 0.72 0.79 27 First Security Bank 5.90 8.30 6.85

28 CBMI: Community Bank of Mississippi 1.13 1.07 0.76 28 Security Federal Bank 4.79 6.86 6.80

29 Carver State Bank (0.14) 0.16 0.73 29 Pan American Bank (IL) 6.82 8.37 6.40

30 Oxford University Bank 0.71 0.68 0.69 30 Mission Valley Bank 5.54 5.07 6.30

31 CBMI: Community Bank, Coast 0.79 0.72 0.62 31 CBMI: Community Bank, Coast 6.44 6.42 5.84

32 State Bank & Trust Company 0.64 0.70 0.61 32 State Bank & Trust Company 5.70 6.25 5.50

33 Albina Community Bank 0.27 0.48 0.55 33 The Bank of Vernon 2.18 4.54 5.46

34 Industrial Bank 0.35 0.62 0.53 34 Albina Community Bank 5.01 4.57 5.38

35 The Commercial Bank 0.33 0.58 0.50 35 The Commercial Bank 3.35 5.76 4.99

36 Bank 2 1.11 0.94 0.48 36 Industrial Bank 3.32 6.00 4.94

36 CBMI: Community Bank, North Mississippi 0.61 0.66 0.48 37 United Bank 4.22 4.56 4.82

36 Pan American Bank (IL) 0.49 0.61 0.48 38 CBMI: Community Bank, North Mississippi 5.95 6.21 4.50

36 United Bank 0.42 0.45 0.48 39 Beneficial State Bank 0.04 4.94 4.07

40 Beneficial State Bank 0.00 0.54 0.46 40 Bank 2 8.56 7.18 3.60

41 Finance and Thrift Company 0.91 0.82 0.44 41 Community Capital Bank of Virginia 2.22 4.14 2.74

42 Community Capital Bank of Virginia 0.40 0.61 0.41 42 First Southwest Bank 3.62 (2.14) 2.54

43 First Southwest Bank 0.41 (0.24) 0.27 43 Carver Federal Savings Bank 3.47 (0.22) 2.28

44 Carver Federal Savings Bank 0.36 (0.02) 0.24 44 United Bank of Philadelphia (17.99) (8.34) 1.87

45 First American International Bank 0.55 0.33 0.23 45 First American International Bank 4.15 2.59 1.77

46 City First Bank of D.C., N.A. 1.16 0.65 0.16 46 Finance and Thrift Company 3.87 3.27 1.67

47 United Bank of Philadelphia (1.06) (0.43) 0.10 47 City First Bank of D.C., N.A. 8.43 4.59 1.16

48 First Independence Bank (0.25) (0.07) 0.03 48 First Independence Bank (2.72) (0.93) 0.38

49 OneUnited Bank 0.28 0.13 (0.04) 49 OneUnited Bank 3.91 1.77 (0.54)

50 Mechanics & Farmers Bank 0.19 0.43 (0.17) 50 Mechanics & Farmers Bank 1.59 3.63 (1.48)

51 Merchants and Planters Bank 0.21 0.11 (0.36) 51 Merchants and Planters Bank 2.52 1.28 (3.97)

52 Native American Bank, N.A. (3.61) (0.10) (0.66) 52 Metro Bank 2.46 0.71 (6.31)

53 Metro Bank 0.38 0.12 (1.02) 53 Native American Bank, N.A. (31.69) (1.04) (6.34)

54 Gateway Bank, F.S.B. (1.72) (1.65) (1.15) 54 Start Community Bank (37.83) (26.79) (9.24)

55 Illinois-Service Federal S&LA (2.28) (2.05) (1.19) 55 Gateway Bank, F.S.B. (29.78) (31.82) (20.61)

56 Start Community Bank (5.37) (3.39) (1.28) 56 Illinois-Service Federal S&LA (29.82) (33.19) (22.28)

57 Urban Partnership Bank (1.42) (4.40) (2.28) 57 Urban Partnership Bank (13.35) (44.14) (27.17)58 City National Bank of New Jersey (2.46) (2.58) (2.78) 58 City National Bank of New Jersey (52.41) (107.18) (180.37)




Banks $50M-$100M 0.59 0.71 0.72 Banks $50M-$100M 4.92 6.33 6.15

Banks $100M-$300M 0.86 0.91 0.87 Banks $100M-$300M 7.71 8.15 7.75

Banks $300M-$1B 0.95 1.02 1.01 Banks $300M-$1B 9.27 9.81 9.54

Banks $1B-$3B 0.99 0.99 0.97 Banks $1B-$3B 9.67 9.60 9.22

ROAA (%) ROAE (%)

Return on Average Assets Return on Average Equity

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Finance and Thrift Company 12.35 12.81 12.91 1 First Eagle Bank 42.62 44.58 45.19

2 Farmers and Merchants Bank 5.35 5.16 7.03 2 International Bank of Chicago 48.64 46.25 48.84

3 Peoples Bank 5.79 5.90 5.67 3 RiverHills Bank 57.00 56.11 57.13

4 Urban Partnership Bank 5.74 6.16 5.31 4 Farmers and Merchants Bank 62.16 68.78 57.68

5 Spring Bank 5.46 5.30 4.98 5 CBMI: Community Bank 55.41 55.26 58.47

6 Carver State Bank 4.99 5.67 4.97 6 Peoples Bank 53.28 56.09 59.18

7 Bank of Montgomery 5.02 4.91 4.81 7 Bank of Montgomery 66.51 67.78 59.98

8 United Bank of Philadelphia 4.67 4.94 4.80 8 The Bank of Vernon 74.99 64.13 60.18

9 Mission Valley Bank 4.44 4.32 4.69 9 Central Bank of Kansas City 84.93 76.52 62.21

10 CBMI: Community Bank of Mississippi 4.78 4.60 4.58 10 Spring Bank 68.90 62.74 62.72

10 Noah Bank 3.79 4.74 4.58 11 Bank of Kilmichael 67.08 61.34 63.64

12 Industrial Bank 4.73 4.59 4.57 12 Southern Bancorp Bank 66.97 64.20 66.05

13 Central Bank of Kansas City 4.54 4.47 4.33 13 Guaranty Bank and Trust Company 60.66 61.81 67.01

14 Southern Bancorp Bank 4.25 4.39 4.30 14 Community Bank of the Bay 82.37 73.26 67.59

15 ABC Bank 4.14 4.12 4.28 15 The First, A National Banking Association 71.46 69.26 67.86

16 The Bank of Vernon 4.22 4.34 4.25 16 ABC Bank 72.55 68.63 68.27

17 Native American Bank, N.A. 4.25 4.52 4.21 17 Finance and Thrift Company 61.55 63.91 68.46

18 Community Bank of the Bay 4.19 4.30 4.19 18 The Citizens National Bank of Meridian 69.55 70.49 68.67

18 First Southwest Bank 4.28 4.30 4.19 19 BankFirst Financial Services 67.50 63.67 69.15

18 The Commercial Bank 3.86 4.19 4.19 20 CBMI: Community Bank, Coast 71.04 71.35 71.09

21 Bank of Anguilla 4.37 4.47 4.08 21 State Bank & Trust Company 70.59 69.75 71.22

22 First Independence Bank 4.53 4.31 4.04 22 Oxford University Bank 66.44 68.92 72.11

23 First Eagle Bank 4.18 4.10 4.02 23 Bank of Anguilla 69.58 71.98 72.29

24 Albina Community Bank 3.42 3.56 4.00 24 Noah Bank 73.52 52.27 72.70

24 State Bank & Trust Company 4.17 4.17 4.00 25 CBMI: Community Bank of Mississippi 65.97 64.30 74.13

26 City First Bank of D.C., N.A. 4.09 4.52 3.98 26 BankPlus 74.67 73.66 74.49

27 Bank of Kilmichael 3.82 4.08 3.96 27 Mission Valley Bank 80.14 78.31 74.81

27 Beneficial State Bank 3.84 3.73 3.96 28 First Security Bank 76.56 70.45 75.11

29 CBMI: Community Bank, Coast 4.25 4.12 3.85 29 Community Capital Bank of Virginia 75.22 70.21 75.59

30 International Bank of Chicago 4.13 3.89 3.83 30 CBMI: Community Bank, North Mississippi 75.40 72.18 76.46

31 CBMI: Community Bank 4.18 4.04 3.82 31 Broadway Federal Bank, f.s.b. 97.73 97.65 79.91

31 Pan American Bank (IL) 3.90 3.85 3.82 32 United Bank 82.91 82.54 80.85

33 First American International Bank 4.68 4.11 3.81 33 The Commercial Bank 89.43 78.64 81.29

33 Guaranty Bank and Trust Company 4.21 4.08 3.81 34 City First Bank of D.C., N.A. 59.26 68.98 83.08

35 Bank 2 3.88 4.13 3.78 35 Pan American Bank (IL) 78.30 77.15 83.55

36 BankFirst Financial Services 3.82 3.93 3.71 36 Beneficial State Bank 91.98 80.79 83.98

37 Oxford University Bank 3.69 3.75 3.70 37 Security Federal Bank 72.84 68.70 85.71

38 The Citizens National Bank of Meridian 3.81 3.75 3.66 38 Bank 2 82.33 80.77 87.97

39 The First, A National Banking Association 3.67 3.74 3.65 39 Carver State Bank 93.06 96.03 88.00

40 First Security Bank 3.80 3.94 3.60 40 Albina Community Bank 93.63 90.18 88.73

41 Neighborhood National Bank 3.45 3.52 3.54 41 Sunrise Banks, N.A. 71.22 85.25 88.79

42 BankPlus 3.55 3.57 3.49 42 First Southwest Bank 82.98 107.89 89.61

43 Broadway Federal Bank, f.s.b. 3.46 3.65 3.46 43 Industrial Bank 88.86 82.22 90.68

44 United Bank 3.45 3.51 3.41 44 First American International Bank 81.92 87.57 92.28

45 CBMI: Community Bank, North Mississippi 3.58 3.59 3.40 45 First Independence Bank 94.89 94.02 95.39

46 Mechanics & Farmers Bank 3.85 3.76 3.39 46 Neighborhood National Bank 119.35 134.42 101.65

47 Carver Federal Savings Bank 3.48 3.23 3.37 47 Carver Federal Savings Bank 110.92 109.65 103.60

48 Illinois-Service Federal S&LA 3.52 3.46 3.36 48 United Bank of Philadelphia 125.29 102.36 104.37

49 Community Capital Bank of Virginia 3.21 3.06 3.19 49 Mechanics & Farmers Bank 90.45 84.15 106.42

50 Security Federal Bank 2.89 3.08 3.08 50 Native American Bank, N.A. 171.23 101.60 112.88

51 RiverHills Bank 3.03 3.08 2.88 51 Merchants and Planters Bank 104.32 100.48 113.55

52 Sunrise Banks, N.A. 3.69 3.21 2.85 52 OneUnited Bank 95.35 112.57 118.29

53 Gateway Bank, F.S.B. 3.70 3.43 2.81 53 Metro Bank 90.26 104.72 127.07

53 Start Community Bank 2.62 2.87 2.81 54 Start Community Bank 251.24 224.74 132.86

55 City National Bank of New Jersey 2.25 2.58 2.51 55 Illinois-Service Federal S&LA 108.99 115.62 144.13

56 Merchants and Planters Bank 2.72 2.63 2.33 56 City National Bank of New Jersey 188.81 181.88 183.47

57 OneUnited Bank 2.35 2.48 2.29 57 Urban Partnership Bank 131.85 314.08 190.6758 Metro Bank 2.35 2.50 2.22 58 Gateway Bank, F.S.B. 132.22 140.04 191.17




Banks $50M-$100M 3.72 3.76 3.70 Banks $50M-$100M 79.53 77.59 77.53

Banks $100M-$300M 3.70 3.73 3.66 Banks $100M-$300M 72.26 71.27 70.99

Banks $300M-$1B 3.73 3.77 3.70 Banks $300M-$1B 67.62 66.64 66.71

Banks $1B-$3B 3.65 3.64 3.59 Banks $1B-$3B 67.25 66.52 66.42

Net Interest Margin (%) Efficiency Ratio (%)

Net Interest Margin Efficiency Ratio

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 First Eagle Bank 0.35 0.10 0.04 1 Albina Community Bank 1.29 (0.27) (1.87)

2 Start Community Bank 0.00 0.63 0.45 2 Neighborhood National Bank 1.81 0.10 (0.90)

3 Bank of Montgomery 0.13 0.61 0.60 3 Metro Bank 0.89 (1.54) (0.39)

4 Bank of Kilmichael 1.10 0.80 0.60 4 First American International Bank 1.06 (0.16) (0.30)

5 Mission Valley Bank 1.75 0.86 0.60 5 Industrial Bank 0.47 0.03 (0.13)

6 Sunrise Banks, N.A. 1.42 0.81 0.63 6 First Independence Bank 0.22 1.21 (0.11)

7 Finance and Thrift Company 1.11 0.91 0.73 6 Mission Valley Bank 0.64 (0.30) (0.11)

8 First Independence Bank 0.74 1.29 0.74 8 Native American Bank, N.A. (0.14) 0.50 (0.05)

9 Bank of Anguilla 1.50 0.45 0.83 8 The Commercial Bank 0.83 0.39 (0.05)

10 Farmers and Merchants Bank 0.95 0.80 0.84 10 Sunrise Banks, N.A. 0.14 0.05 (0.04)

11 Community Bank of the Bay 1.71 1.13 0.89 10 United Bank of Philadelphia 1.04 0.61 (0.04)

12 The First, A National Banking Association 0.83 1.04 0.96 12 Carver State Bank 1.18 0.28 (0.02)

13 First American International Bank 1.88 1.02 0.99 12 Central Bank of Kansas City 0.24 0.19 (0.02)

14 Neighborhood National Bank 5.27 1.02 1.02 12 First Security Bank 0.15 (0.22) (0.02)

15 Native American Bank, N.A. 6.64 1.70 1.02 12 United Bank 0.47 0.18 (0.02)

16 Merchants and Planters Bank 2.27 1.14 1.04 16 Farmers and Merchants Bank 0.42 0.18 (0.01)

17 Community Capital Bank of Virginia 1.55 2.13 1.06 16 First Eagle Bank 0.10 0.05 (0.01)

18 State Bank & Trust Company 1.06 1.08 1.10 16 Mechanics & Farmers Bank 0.19 0.06 (0.01)

19 RiverHills Bank 1.18 1.33 1.11 19 Bank 2 0.12 (0.01) 0.00

20 The Commercial Bank 1.96 1.22 1.13 19 Community Capital Bank of Virginia 0.00 0.00 0.00

21 Southern Bancorp Bank 1.40 1.03 1.16 19 Oxford University Bank 0.14 0.37 0.00

22 The Citizens National Bank of Meridian 2.08 1.38 1.17 19 Spring Bank 0.04 0.42 0.00

23 Albina Community Bank 1.95 3.05 1.20 23 OneUnited Bank 0.04 (0.05) 0.01

24 Pan American Bank (IL) 1.15 1.64 1.38 23 Pan American Bank (IL) 0.40 0.11 0.01

25 CBMI: Community Bank of Mississippi 1.32 1.73 1.54 23 The Citizens National Bank of Meridian 0.38 0.02 0.01

26 First Security Bank 2.54 1.87 1.70 26 Beneficial State Bank 0.40 0.06 0.03

27 Bank 2 2.38 1.85 1.70 27 Bank of Anguilla 0.61 1.02 0.05

28 United Bank 2.80 2.18 1.75 27 Bank of Kilmichael 0.09 0.13 0.05

29 CBMI: Community Bank, Coast 1.61 1.87 1.76 27 Merchants and Planters Bank 0.06 (0.24) 0.05

30 Metro Bank 0.87 0.57 1.86 30 Broadway Federal Bank, f.s.b. 0.82 (0.45) 0.06

31 Beneficial State Bank 2.50 1.45 1.88 31 CBMI: Community Bank 0.22 0.25 0.07

32 Security Federal Bank 1.64 2.06 1.88 31 CBMI: Community Bank of Mississippi 0.07 0.09 0.07

33 Oxford University Bank 1.42 1.99 1.88 33 First Southwest Bank 0.60 0.10 0.08

34 OneUnited Bank 2.22 1.93 1.99 34 CBMI: Community Bank, North Mississippi 0.14 0.34 0.10

35 BankPlus 2.37 2.12 2.03 34 State Bank & Trust Company 0.29 0.39 0.10

36 Noah Bank 2.64 2.21 2.10 36 Guaranty Bank and Trust Company 0.24 0.71 0.11

37 CBMI: Community Bank 2.39 2.29 2.13 37 BankFirst Financial Services 0.43 0.34 0.13

38 First Southwest Bank 4.88 2.77 2.22 38 Southern Bancorp Bank 0.34 0.25 0.15

39 Carver Federal Savings Bank 3.76 2.33 2.22 39 CBMI: Community Bank, Coast 0.14 0.20 0.16

40 Guaranty Bank and Trust Company 1.40 1.84 2.22 40 The First, A National Banking Association 0.01 0.17 0.18

41 Central Bank of Kansas City 5.20 3.00 2.28 41 RiverHills Bank 0.05 0.31 0.19

42 CBMI: Community Bank, North Mississippi 2.61 2.61 2.30 42 BankPlus 0.66 0.52 0.24

43 BankFirst Financial Services 1.45 1.94 2.32 43 City National Bank of New Jersey 0.48 0.10 0.26

44 International Bank of Chicago 3.18 2.75 2.55 44 Carver Federal Savings Bank 0.43 0.05 0.32

45 Spring Bank 1.85 2.94 2.71 45 Community Bank of the Bay 0.15 0.01 0.33

46 Broadway Federal Bank, f.s.b. 5.93 3.12 2.88 45 Peoples Bank 0.36 0.63 0.33

47 The Bank of Vernon 6.38 3.72 2.93 47 International Bank of Chicago 0.80 0.35 0.45

48 Industrial Bank 3.57 2.92 3.37 48 Bank of Montgomery 0.13 0.20 0.58

49 City First Bank of D.C., N.A. 2.44 3.52 3.43 49 ABC Bank 1.14 0.83 0.62

50 ABC Bank 4.03 4.22 3.76 49 City First Bank of D.C., N.A. 0.35 0.70 0.62

51 Gateway Bank, F.S.B. 2.40 2.97 3.85 51 Security Federal Bank 0.96 0.65 0.63

52 Mechanics & Farmers Bank 3.47 4.03 3.96 52 Gateway Bank, F.S.B. 0.61 0.06 0.66

53 Peoples Bank 3.89 4.29 4.36 53 Start Community Bank 0.01 0.01 0.78

54 United Bank of Philadelphia 5.48 5.31 5.55 54 The Bank of Vernon 2.64 0.61 0.81

55 Carver State Bank 8.81 7.04 7.72 55 Noah Bank 0.30 0.80 0.88

56 Illinois-Service Federal S&LA 4.78 11.11 10.21 56 Urban Partnership Bank 3.60 3.10 1.76

57 Urban Partnership Bank 14.45 12.35 10.42 57 Illinois-Service Federal S&LA 2.24 3.56 2.3058 City National Bank of New Jersey 11.55 10.66 10.50 58 Finance and Thrift Company 5.22 5.04 5.37




Banks $50M-$100M 2.45 2.06 1.91 Banks $50M-$100M 0.33 0.22 0.08

Banks $100M-$300M 2.30 1.72 1.64 Banks $100M-$300M 0.28 0.17 0.06

Banks $300M-$1B 1.83 1.35 1.30 Banks $300M-$1B 0.29 0.18 0.07

Banks $1B-$3B 1.68 1.05 0.99 Banks $1B-$3B 0.26 0.14 0.07

NPAs/Assets (%) NCOs/Average Loans (%)

Non-Performing Assets Net Charge-Offs

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Bank of Montgomery 0.59 0.61 0.56 1 Finance and Thrift Company 0.00 0.00 0.00

2 OneUnited Bank 0.96 0.85 0.68 2 Start Community Bank 0.00 4.03 3.05

3 The First, A National Banking Association 0.98 0.86 0.83 3 First Eagle Bank 7.17 5.31 4.72

4 First Security Bank 1.10 0.96 0.95 4 Bank of Montgomery 1.69 2.71 5.24

5 CBMI: Community Bank of Mississippi 1.01 0.96 0.96 5 Bank of Anguilla 8.11 5.52 5.28

5 Oxford University Bank 1.13 0.97 0.96 6 Mission Valley Bank 18.92 8.99 5.53

7 Community Capital Bank of Virginia 0.97 1.04 1.00 7 Bank of Kilmichael 11.79 7.87 5.74

8 CBMI: Community Bank, North Mississippi 1.30 0.99 1.01 8 First American International Bank 14.72 7.52 7.27

9 Carver Federal Savings Bank 2.10 1.34 1.02 9 Sunrise Banks, N.A. 18.89 10.14 7.74

9 CBMI: Community Bank, Coast 1.18 1.00 1.02 10 State Bank & Trust Company 11.70 9.53 9.56

11 CBMI: Community Bank 1.20 1.09 1.08 11 Native American Bank, N.A. 65.05 16.50 10.70

12 Pan American Bank (IL) 1.22 1.21 1.09 12 Farmers and Merchants Bank 10.66 10.00 10.89

13 Southern Bancorp Bank 1.16 1.11 1.13 13 Metro Bank 8.11 5.93 10.91

14 Spring Bank 1.76 1.17 1.16 14 Community Capital Bank of Virginia 17.40 13.96 11.22

15 State Bank & Trust Company 1.21 1.15 1.20 15 The Commercial Bank 24.82 11.65 11.57

16 First Independence Bank 1.87 1.20 1.24 16 The First, A National Banking Association 9.30 12.71 11.58

17 The Commercial Bank 1.75 1.22 1.25 17 Merchants and Planters Bank 26.54 12.25 11.59

18 BankPlus 1.66 1.33 1.27 18 First Independence Bank 14.62 16.14 11.72

19 Peoples Bank 1.31 1.29 1.33 19 Community Bank of the Bay 16.28 12.84 11.86

20 Start Community Bank 1.43 1.51 1.34 20 Southern Bancorp Bank 16.40 11.28 11.90

21 Bank of Kilmichael 1.40 1.36 1.36 21 Bank 2 16.58 12.47 12.18

22 Carver State Bank 0.93 0.75 1.37 22 First Security Bank 23.89 14.81 13.68

23 Sunrise Banks, N.A. 1.49 1.38 1.38 23 The Citizens National Bank of Meridian 19.66 16.56 14.87

24 The Citizens National Bank of Meridian 1.57 1.43 1.40 24 Noah Bank 31.54 19.38 17.12

24 United Bank 1.50 1.39 1.40 25 RiverHills Bank 13.25 17.64 17.75

26 First Southwest Bank 1.58 1.50 1.48 26 City First Bank of D.C., N.A. 15.07 18.53 17.92

27 United Bank of Philadelphia 1.89 1.54 1.57 27 Central Bank of Kansas City 31.57 20.22 17.97

28 Beneficial State Bank 1.68 1.66 1.59 28 Oxford University Bank 14.00 19.46 18.44

29 Community Bank of the Bay 1.88 1.59 1.61 29 United Bank 29.63 23.62 19.83

30 BankFirst Financial Services 1.57 1.65 1.63 30 Spring Bank 16.21 23.13 20.65

31 Bank 2 1.83 1.77 1.74 31 Albina Community Bank 30.37 38.46 21.30

31 Guaranty Bank and Trust Company 1.87 1.66 1.74 32 First Southwest Bank 40.48 26.18 22.10

33 Industrial Bank 1.81 1.78 1.85 33 Guaranty Bank and Trust Company 16.76 18.44 22.46

34 Bank of Anguilla 2.05 1.65 1.96 34 CBMI: Community Bank 23.88 23.33 22.54

34 Native American Bank, N.A. 2.38 1.91 1.96 35 Security Federal Bank 26.48 25.20 22.57

36 First American International Bank 2.00 1.97 1.99 36 CBMI: Community Bank, Coast 24.11 22.21 22.63

37 Mechanics & Farmers Bank 1.84 1.96 2.00 37 CBMI: Community Bank of Mississippi 17.05 19.91 22.82

38 First Eagle Bank 2.12 1.99 2.01 38 BankFirst Financial Services 24.25 19.95 22.96

38 Merchants and Planters Bank 2.95 2.08 2.01 39 International Bank of Chicago 44.65 26.71 23.83

40 Metro Bank 1.15 1.92 2.04 40 CBMI: Community Bank, North Mississippi 29.66 27.15 25.67

41 Noah Bank 2.53 2.32 2.13 41 Beneficial State Bank 27.87 16.61 27.00

42 Gateway Bank, F.S.B. 2.61 1.97 2.14 42 OneUnited Bank 35.71 25.84 27.22

43 Mission Valley Bank 2.10 2.15 2.16 43 Carver Federal Savings Bank 44.76 27.49 27.40

44 Central Bank of Kansas City 2.47 2.20 2.20 44 BankPlus 33.33 27.65 27.57

45 Farmers and Merchants Bank 2.45 2.19 2.21 45 Urban Partnership Bank 12.90 23.27 30.63

46 ABC Bank 2.09 2.18 2.29 46 Neighborhood National Bank 103.64 33.02 30.73

46 RiverHills Bank 2.39 2.35 2.29 47 Pan American Bank (IL) 26.28 26.67 33.50

48 Security Federal Bank 2.77 2.40 2.33 48 Industrial Bank 47.21 35.12 36.34

49 The Bank of Vernon 2.07 2.31 2.39 49 The Bank of Vernon 57.29 47.66 38.10

50 City First Bank of D.C., N.A. 2.75 2.51 2.44 50 Peoples Bank 37.69 45.54 45.71

51 Broadway Federal Bank, f.s.b. 3.93 2.78 2.56 51 Broadway Federal Bank, f.s.b. 81.76 52.88 47.54

52 Albina Community Bank 2.08 2.11 2.64 52 ABC Bank 58.55 77.61 71.14

53 International Bank of Chicago 2.25 2.97 3.04 53 Carver State Bank 95.98 67.58 72.90

54 Finance and Thrift Company 4.14 4.05 3.99 54 Mechanics & Farmers Bank 79.43 78.89 81.99

55 Urban Partnership Bank 9.74 6.11 5.30 55 United Bank of Philadelphia 69.52 100.20 101.27

56 Illinois-Service Federal S&LA 5.06 5.51 5.62 56 Gateway Bank, F.S.B. 116.18 134.72 146.18

57 City National Bank of New Jersey 5.54 5.84 5.91 57 Illinois-Service Federal S&LA 83.36 157.41 155.2758 Neighborhood National Bank 5.89 6.34 6.24 58 City National Bank of New Jersey 219.03 234.14 243.99




Banks $50M-$100M 1.83 1.63 1.65 Banks $50M-$100M 20.48 16.62 13.59

Banks $100M-$300M 1.73 1.53 1.52 Banks $100M-$300M 18.80 13.47 12.75

Banks $300M-$1B 1.60 1.44 1.44 Banks $300M-$1B 17.53 12.85 12.17

Banks $1B-$3B 1.58 1.37 1.34 Banks $1B-$3B 15.32 10.86 10.19

LLR/Loans (%) Texas Ratio (%)

Loan Loss Reserves Texas Ratio

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Finance and Thrift Company 32.03 31.47 32.78 1 Finance and Thrift Company 33.31 32.75 34.06

2 Metro Bank 31.07 31.43 31.27 2 Metro Bank 31.97 32.67 32.52

3 Native American Bank, N.A. 21.63 26.47 27.87 3 Native American Bank, N.A. 22.93 27.66 29.15

4 Security Federal Bank 20.55 23.16 23.09 4 Security Federal Bank 21.82 24.42 24.35

5 Central Bank of Kansas City 20.68 22.03 21.57 5 Farmers and Merchants Bank 21.87 19.85 22.14

6 Farmers and Merchants Bank 20.60 18.59 20.88 6 Central Bank of Kansas City 21.95 23.29 21.57

7 The Bank of Vernon 17.83 20.25 20.02 7 The Bank of Vernon 19.09 21.51 21.29

8 First American International Bank 21.30 19.89 19.62 8 First American International Bank 22.56 21.15 20.88

9 First Security Bank 19.25 19.09 19.03 9 Urban Partnership Bank 32.34 20.78 20.24

10 Urban Partnership Bank 30.88 19.43 18.90 10 Community Capital Bank of Virginia 28.11 25.35 20.08

11 Spring Bank 17.60 19.10 18.77 11 Spring Bank 18.86 20.35 20.02

12 Start Community Bank 18.68 19.89 18.68 12 Start Community Bank 19.93 21.15 19.93

13 International Bank of Chicago 16.68 17.87 18.34 13 First Security Bank 20.17 19.94 19.87

14 Mechanics & Farmers Bank 15.51 17.24 18.01 14 International Bank of Chicago 17.94 19.14 19.62

15 City First Bank of D.C., N.A. 18.56 17.38 17.71 15 Mechanics & Farmers Bank 16.77 18.50 19.26

16 First Eagle Bank 18.67 18.40 17.53 16 City First Bank of D.C., N.A. 19.83 18.65 18.98

17 Broadway Federal Bank, f.s.b. 15.65 16.40 17.19 17 First Eagle Bank 19.93 19.66 18.78

18 Mission Valley Bank 18.43 16.93 16.67 18 Broadway Federal Bank, f.s.b. 16.94 17.68 18.47

19 Industrial Bank 14.76 15.75 16.55 19 Mission Valley Bank 19.69 18.19 17.93

20 Bank of Anguilla 13.24 13.08 16.06 20 United Bank 16.54 17.00 17.13

21 United Bank 15.28 15.76 15.92 21 Bank of Anguilla 14.50 14.31 17.12

22 Sunrise Banks, N.A. 17.58 15.97 15.86 22 Sunrise Banks, N.A. 18.83 17.22 17.09

23 Carver State Bank 13.20 15.82 15.74 23 Carver State Bank 14.03 16.51 16.95

24 Bank 2 20.95 19.38 15.14 24 Industrial Bank 16.02 17.01 16.55

25 Carver Federal Savings Bank 17.60 16.16 15.02 25 Bank 2 22.20 20.64 16.39

26 Albina Community Bank 16.23 14.49 14.82 26 Carver Federal Savings Bank 20.17 18.37 16.12

27 CBMI: Community Bank, North Mississippi 15.45 15.29 14.79 27 Albina Community Bank 17.49 15.74 16.09

28 Bank of Kilmichael 13.61 14.79 14.75 28 Neighborhood National Bank 12.79 14.39 16.03

29 Neighborhood National Bank 11.48 13.08 14.71 29 CBMI: Community Bank 15.94 15.86 15.83

30 CBMI: Community Bank 14.69 14.61 14.58 30 RiverHills Bank 15.06 15.44 15.79

31 RiverHills Bank 13.80 14.17 14.53 31 CBMI: Community Bank, North Mississippi 16.70 16.25 15.73

32 ABC Bank 13.94 14.33 14.35 32 ABC Bank 15.19 15.59 15.54

33 First Independence Bank 14.27 14.60 14.04 33 First Independence Bank 15.52 15.70 15.11

34 Community Capital Bank of Virginia 21.52 19.60 14.02 34 Oxford University Bank 15.29 14.88 15.00

35 Oxford University Bank 14.10 13.87 14.00 35 Bank of Kilmichael 14.76 16.00 14.75

36 Guaranty Bank and Trust Company 15.86 15.26 13.63 36 Beneficial State Bank 15.62 15.39 14.49

37 Merchants and Planters Bank 17.64 19.19 13.44 37 Merchants and Planters Bank 18.89 20.45 14.44

38 Beneficial State Bank 14.36 14.14 13.24 38 First Southwest Bank 15.13 14.24 14.36

39 The Commercial Bank 13.49 14.27 13.19 39 The Commercial Bank 14.74 15.27 14.20

40 First Southwest Bank 13.87 12.99 13.11 40 Peoples Bank 14.01 14.38 14.04

41 BankPlus 14.83 14.73 13.01 41 Southern Bancorp Bank 12.67 13.69 13.98

42 Southern Bancorp Bank 11.55 12.60 12.88 42 BankPlus 16.08 15.86 13.97

43 Peoples Bank 12.76 13.13 12.79 43 Guaranty Bank and Trust Company 17.12 16.52 13.94

44 CBMI: Community Bank of Mississippi 13.50 13.19 12.75 44 Noah Bank 8.40 12.04 13.75

45 Noah Bank 7.13 10.78 12.49 45 CBMI: Community Bank of Mississippi 14.54 14.21 13.73

46 The First, A National Banking Association 12.38 11.41 12.46 46 The Citizens National Bank of Meridian 12.93 13.45 13.35

47 Bank of Montgomery 12.40 12.49 12.41 47 BankFirst Financial Services 13.54 13.15 13.27

48 The Citizens National Bank of Meridian 11.90 12.46 12.33 48 The First, A National Banking Association 13.25 12.20 13.24

49 CBMI: Community Bank, Coast 12.94 12.14 12.07 49 CBMI: Community Bank, Coast 14.14 13.17 13.12

50 BankFirst Financial Services 12.28 11.89 12.01 50 Bank of Montgomery 13.03 13.15 13.02

51 OneUnited Bank 9.95 11.36 11.60 51 OneUnited Bank 11.80 12.66 12.83

52 Community Bank of the Bay 14.14 11.21 11.36 52 Community Bank of the Bay 15.40 12.46 12.60

53 Pan American Bank (IL) 10.81 10.90 10.19 53 State Bank & Trust Company 11.17 11.06 11.28

54 State Bank & Trust Company 10.05 9.99 10.16 54 Pan American Bank (IL) 11.99 12.06 11.25

55 Illinois-Service Federal S&LA 12.84 9.08 8.61 55 Illinois-Service Federal S&LA 14.14 10.38 9.92

56 Gateway Bank, F.S.B. 10.38 8.91 8.23 56 United Bank of Philadelphia 9.48 8.80 9.03

57 United Bank of Philadelphia 8.22 7.54 7.87 57 Gateway Bank, F.S.B. 11.27 9.75 9.0058 City National Bank of New Jersey 7.39 4.02 3.18 58 City National Bank of New Jersey 8.68 5.31 4.47




Banks $50M-$100M 17.80 18.27 18.49 Banks $50M-$100M 18.97 19.42 19.64

Banks $100M-$300M 16.07 16.12 15.97 Banks $100M-$300M 17.27 17.29 17.10

Banks $300M-$1B 14.57 14.59 14.55 Banks $300M-$1B 15.75 15.74 15.66

Banks $1B-$3B 13.77 13.63 13.34 Banks $1B-$3B 14.96 14.75 14.46

T1 Risk-based Ratio (%) Risk-based Capital Ratio (%)

Tier 1 Risk-based Ratio Risk-based Capital Ratio

AV

ERA

GE

AV

ERA

GE



Leverage Ratio Total EquityInstitution Name Institution Name

2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Finance and Thrift Company 24.09 25.70 27.18 1 BankPlus 217,056 237,551 240,709

2 Central Bank of Kansas City 13.69 17.24 16.20 2 Southern Bancorp Bank 119,566 136,033 138,845

3 Metro Bank 15.98 16.96 16.13 3 The Citizens National Bank of Meridian 123,857 130,758 135,368

4 The Bank of Vernon 13.62 15.03 15.12 4 State Bank & Trust Company 104,053 107,073 109,664

5 First Eagle Bank 13.84 13.85 13.96 5 The First, A National Banking Association 94,312 105,685 108,210

6 City First Bank of D.C., N.A. 14.41 14.11 13.69 6 Security Federal Bank 85,116 93,861 94,238

7 Start Community Bank 12.95 14.74 13.68 7 Sunrise Banks, N.A. 67,493 73,323 79,830

8 Community Capital Bank of Virginia 15.85 14.67 13.56 8 CBMI: Community Bank, Coast 73,184 74,054 74,497

9 Mission Valley Bank 13.58 13.61 13.50 9 First American International Bank 71,689 73,163 73,686

10 Spring Bank 12.05 13.06 12.86 10 Guaranty Bank and Trust Company 67,383 70,575 72,311

11 First American International Bank 13.05 12.50 12.59 11 BankFirst Financial Services 67,583 69,944 71,665

12 Farmers and Merchants Bank 14.16 12.09 12.37 12 Carver Federal Savings Bank 60,758 65,801 67,092

13 Bank 2 13.13 12.64 12.31 13 First Eagle Bank 60,043 65,931 66,891

14 Mechanics & Farmers Bank 10.69 11.54 12.07 14 First Security Bank 59,426 61,953 63,319

15 Broadway Federal Bank, f.s.b. 10.24 11.34 11.73 15 International Bank of Chicago 49,435 58,944 62,687

16 The Citizens National Bank of Meridian 11.85 12.12 11.47 16 Urban Partnership Bank 104,721 66,901 62,468

17 International Bank of Chicago 10.77 10.77 11.31 17 CBMI: Community Bank 59,673 60,683 61,073

18 Guaranty Bank and Trust Company 11.63 11.88 11.16 18 CBMI: Community Bank of Mississippi 59,561 60,326 60,329

19 First Security Bank 11.26 11.26 11.10 19 CBMI: Community Bank, North Mississippi 50,083 51,028 51,665

20 Noah Bank 6.40 9.69 11.04 20 United Bank 47,354 50,044 51,134

21 Industrial Bank 9.85 9.96 10.95 21 OneUnited Bank 41,067 47,971 48,676

22 Carver Federal Savings Bank 10.51 10.49 10.88 22 Beneficial State Bank 33,493 41,566 42,259

23 Bank of Anguilla 10.71 10.63 10.86 23 Broadway Federal Bank, f.s.b. 34,127 39,944 41,471

24 ABC Bank 10.63 11.04 10.84 24 Industrial Bank 35,200 38,177 38,550

25 Security Federal Bank 9.58 10.63 10.75 25 Farmers and Merchants Bank 33,538 36,241 37,874

26 Beneficial State Bank 10.11 10.85 10.74 26 ABC Bank 33,029 36,697 37,635

27 Carver State Bank 9.06 10.68 10.57 27 Mission Valley Bank 36,458 36,327 36,465

28 Albina Community Bank 10.66 10.46 10.23 28 Mechanics & Farmers Bank 34,806 35,528 35,503

29 CBMI: Community Bank, North Mississippi 10.10 10.25 10.19 29 Noah Bank 22,680 32,630 34,738

29 Native American Bank, N.A. 8.77 10.46 10.19 30 Finance and Thrift Company 30,663 31,433 33,301

31 United Bank 9.23 9.45 9.80 31 City First Bank of D.C., N.A. 31,465 32,872 33,086

32 Bank of Montgomery 9.48 9.60 9.73 32 First Southwest Bank 27,258 27,151 27,555

33 BankFirst Financial Services 9.43 9.50 9.60 33 RiverHills Bank 25,220 26,226 26,828

34 Peoples Bank 9.58 9.58 9.59 34 Peoples Bank 22,270 23,999 24,361

35 BankPlus 9.53 9.80 9.56 35 Central Bank of Kansas City 22,471 24,818 23,666

36 First Independence Bank 9.90 9.65 9.53 36 The Bank of Vernon 20,603 21,642 22,038

37 Oxford University Bank 9.33 9.26 9.36 37 Pan American Bank (IL) 16,013 20,756 21,652

38 Community Bank of the Bay 10.77 10.75 9.33 38 Community Bank of the Bay 19,023 21,036 21,543

39 The Commercial Bank 9.25 10.31 9.27 39 Bank of Montgomery 18,246 20,759 21,377

40 CBMI: Community Bank 9.36 9.07 9.19 40 First Independence Bank 16,886 16,721 16,745

41 First Southwest Bank 9.81 9.26 9.09 41 Albina Community Bank 14,048 14,770 15,131

41 Southern Bancorp Bank 7.76 8.74 9.09 42 Spring Bank 11,837 14,435 15,071

43 Bank of Kilmichael 8.54 9.14 8.94 43 Bank 2 13,959 14,898 14,879

44 CBMI: Community Bank of Mississippi 8.97 9.07 8.92 44 Bank of Anguilla 12,530 13,540 14,074

44 RiverHills Bank 8.62 9.12 8.92 45 Bank of Kilmichael 11,390 13,078 13,371

46 CBMI: Community Bank, Coast 9.81 9.03 8.84 46 The Commercial Bank 12,562 13,641 13,279

47 State Bank & Trust Company 8.34 8.45 8.65 47 Community Capital Bank of Virginia 11,410 12,369 12,444

48 The First, A National Banking Association 8.87 8.39 8.51 48 Oxford University Bank 9,901 10,771 11,039

49 Merchants and Planters Bank 8.55 8.31 8.29 49 Start Community Bank 7,389 10,854 10,623

50 Urban Partnership Bank 10.33 8.16 8.04 50 Gateway Bank, F.S.B. 12,472 10,101 9,420

51 Pan American Bank (IL) 7.78 7.36 7.64 51 Merchants and Planters Bank 6,790 7,693 7,808

52 Sunrise Banks, N.A. 10.54 9.69 7.47 52 Native American Bank, N.A. 5,259 6,716 6,656

53 Neighborhood National Bank 6.10 6.16 7.06 53 Illinois-Service Federal S&LA 7,735 6,063 5,569

54 OneUnited Bank 5.94 5.81 6.42 54 Metro Bank 5,395 5,412 5,358

55 United Bank of Philadelphia 5.67 5.32 5.22 55 Neighborhood National Bank 5,143 4,433 4,713

56 Gateway Bank, F.S.B. 5.96 5.07 4.33 56 Carver State Bank 3,652 4,280 4,340

57 Illinois-Service Federal S&LA 6.07 4.15 4.02 57 City National Bank of New Jersey 8,085 4,498 3,52158 City National Bank of New Jersey 4.80 2.63 2.11 58 United Bank of Philadelphia 3,210 3,265 3,252

CDBA Members 10.20 10.38 10.29 CDBA Members 40,683 43,051 43,820

Non-CDBA Members 10.29 10.74 10.70 Non-CDBA Members 21,612 24,180 24,698

All CDFI Banks 10.24 10.55 10.49 All CDFI Banks 31,401 33,866 34,513

Banks $50M-$100M 10.93 11.03 11.19 Banks $50M-$100M 8,773 9,197 9,410

Banks $100M-$300M 10.85 10.90 10.94 Banks $100M-$300M 18,638 19,381 20,240

Banks $300M-$1B 9.93 10.08 10.18 Banks $300M-$1B 54,231 56,564 57,589

Banks $1B-$3B 9.68 9.81 9.85 Banks $1B-$3B 178,017 182,071 184,423

Leverage Ratio (%) Equity ($000)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Sunrise Banks, N.A. 69.59 71.99 73.44 1 Sunrise Banks, N.A. 2.06 3.81 9.13

2 First Independence Bank 44.39 44.74 58.58 2 First Independence Bank 5.49 5.88 5.20

3 Mission Valley Bank 41.02 44.34 44.89 3 Central Bank of Kansas City 2.36 3.75 4.76

4 United Bank 36.28 35.76 38.87 4 Bank 2 4.93 4.72 4.20

5 Albina Community Bank 36.35 38.30 38.07 5 Neighborhood National Bank 2.25 2.03 3.67

6 Central Bank of Kansas City 49.87 49.44 36.78 6 Finance and Thrift Company 1.82 2.07 2.40

7 Neighborhood National Bank 23.80 28.58 36.56 7 United Bank of Philadelphia 1.63 2.41 2.23

8 Merchants and Planters Bank 29.53 31.16 34.81 8 BankPlus 2.35 2.34 2.08

9 International Bank of Chicago 17.93 29.99 33.47 9 Bank of Montgomery 1.88 1.43 1.97

10 Community Bank of the Bay 34.84 29.15 32.37 10 Carver State Bank 1.79 1.16 1.96

11 Bank of Anguilla 28.65 31.66 31.68 11 Noah Bank 5.07 6.51 1.89

12 Beneficial State Bank 32.94 29.37 27.73 12 Metro Bank 3.05 2.29 1.61

13 Pan American Bank (IL) 11.23 21.63 26.54 13 Spring Bank 2.35 1.51 1.49

14 First Security Bank 22.53 27.20 26.54 14 Bank of Anguilla 0.73 1.08 1.36

15 Industrial Bank 23.86 25.23 26.37 15 The Citizens National Bank of Meridian 1.26 1.26 1.18

16 United Bank of Philadelphia 24.56 25.82 26.12 16 First American International Bank 1.51 1.29 1.17

17 BankPlus 24.83 27.04 25.80 17 First Security Bank 1.31 1.32 1.16

18 First American International Bank 21.24 23.00 24.48 18 Guaranty Bank and Trust Company 1.31 1.35 1.13

19 City National Bank of New Jersey 15.06 19.76 22.24 19 Peoples Bank 0.93 1.09 1.07

20 The Commercial Bank 21.59 25.21 21.42 20 City National Bank of New Jersey 0.69 0.70 1.05

21 Oxford University Bank 18.59 22.58 20.82 21 Albina Community Bank 1.73 1.45 1.04

22 The First, A National Banking Association 17.88 22.71 20.79 21 Mission Valley Bank 1.01 1.22 1.04

23 Guaranty Bank and Trust Company 22.26 24.34 20.77 23 Industrial Bank 1.33 1.62 0.97

24 The Citizens National Bank of Meridian 19.01 19.77 19.59 23 Native American Bank, N.A. 0.97 1.61 0.97

25 Bank of Kilmichael 17.81 19.25 19.59 25 United Bank 0.88 0.92 0.96

26 Native American Bank, N.A. 25.26 22.42 19.27 26 Community Bank of the Bay 0.93 0.91 0.95

27 First Southwest Bank 18.68 19.44 18.93 27 Farmers and Merchants Bank 0.95 0.91 0.87

28 The Bank of Vernon 14.82 16.55 18.45 28 CBMI: Community Bank 0.67 0.82 0.78

29 RiverHills Bank 21.26 21.18 18.17 29 Southern Bancorp Bank 0.75 0.75 0.77

30 ABC Bank 16.21 17.07 17.90 30 First Southwest Bank 0.75 (0.10) 0.72

31 Mechanics & Farmers Bank 18.78 16.54 17.64 31 ABC Bank 0.24 0.73 0.71

32 Noah Bank 16.51 20.38 16.12 31 Carver Federal Savings Bank 0.77 0.87 0.71

33 CBMI: Community Bank, Coast 15.21 15.41 16.09 33 Broadway Federal Bank, f.s.b. 0.05 0.09 0.68

34 Bank of Montgomery 15.11 13.86 16.05 34 Illinois-Service Federal S&LA 0.58 0.66 0.66

35 Bank 2 12.26 12.34 15.58 35 BankFirst Financial Services 0.72 1.12 0.64

36 Farmers and Merchants Bank 18.70 15.81 15.26 35 Security Federal Bank 0.55 0.74 0.64

37 Carver State Bank 13.35 14.86 15.22 35 State Bank & Trust Company 0.77 0.74 0.64

38 BankFirst Financial Services 14.62 15.52 14.75 35 The Bank of Vernon (0.16) 0.49 0.64

39 City First Bank of D.C., N.A. 17.68 14.54 13.30 39 The Commercial Bank 0.63 0.61 0.61

40 Peoples Bank 12.13 12.70 13.16 40 Bank of Kilmichael 0.55 0.85 0.59

41 Illinois-Service Federal S&LA 11.42 12.03 11.90 40 The First, A National Banking Association 0.69 0.64 0.59

42 Urban Partnership Bank 10.48 11.07 11.45 42 CBMI: Community Bank, North Mississippi 0.49 0.54 0.58

43 Spring Bank 8.64 11.90 10.48 43 CBMI: Community Bank, Coast 0.49 0.53 0.57

44 Carver Federal Savings Bank 12.61 10.56 10.41 44 City First Bank of D.C., N.A. 2.64 1.47 0.55

45 Security Federal Bank 8.31 9.25 9.83 45 CBMI: Community Bank of Mississippi 0.50 0.61 0.53

46 Broadway Federal Bank, f.s.b. 9.77 10.12 9.24 46 Start Community Bank 0.68 (0.38) 0.51

47 Start Community Bank 7.82 8.64 8.44 47 RiverHills Bank 0.45 0.47 0.45

48 OneUnited Bank 6.66 7.01 7.54 48 Merchants and Planters Bank 0.70 0.92 0.43

49 State Bank & Trust Company 7.50 8.70 7.43 48 Oxford University Bank 0.67 0.72 0.43

50 CBMI: Community Bank of Mississippi 7.37 5.71 6.19 50 First Eagle Bank 0.42 0.37 0.42

51 CBMI: Community Bank 6.07 5.65 6.08 51 Community Capital Bank of Virginia 0.33 0.67 0.31

52 CBMI: Community Bank, North Mississippi 4.34 4.97 5.97 52 Pan American Bank (IL) 0.34 0.48 0.30

53 First Eagle Bank 5.27 4.57 5.48 53 OneUnited Bank 0.47 0.20 0.22

54 Southern Bancorp Bank 19.34 4.56 4.52 54 Beneficial State Bank 0.76 0.51 0.17

55 Community Capital Bank of Virginia 2.05 2.36 1.97 54 International Bank of Chicago 0.46 0.22 0.17

56 Gateway Bank, F.S.B. 2.94 1.84 1.24 56 Mechanics & Farmers Bank 0.55 0.72 0.16

57 Finance and Thrift Company 1.12 1.01 1.16 57 Urban Partnership Bank 1.64 (2.32) 0.1258 Metro Bank 0.00 0.00 0.00 58 Gateway Bank, F.S.B. 1.45 1.06 (0.47)




Banks $50M-$100M 18.89 20.04 19.84 Banks $50M-$100M 0.53 0.55 0.52

Banks $100M-$300M 18.86 20.28 20.07 Banks $100M-$300M 0.53 0.47 0.49

Banks $300M-$1B 19.32 20.51 20.54 Banks $300M-$1B 0.78 0.75 0.74

Banks $1B-$3B 22.33 23.15 24.01 Banks $1B-$3B 0.97 0.90 0.90

NIBD/Deposits (%) NII/Average Assets (%)

Non Interest-Bearing Deposits Non-Interest Income

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 RiverHills Bank 1.94 1.95 1.86 1 International Bank of Chicago 1.08 0.99 1.05

2 International Bank of Chicago 2.17 1.86 1.92 1 RiverHills Bank 1.18 1.15 1.05

3 First Eagle Bank 1.85 1.91 1.93 3 CBMI: Community Bank 1.00 0.98 1.08

4 CBMI: Community Bank 2.53 2.54 2.55 4 First Eagle Bank 1.15 1.21 1.19

5 Community Capital Bank of Virginia 2.62 2.59 2.59 5 CBMI: Community Bank, North Mississippi 1.09 1.15 1.21

6 The First, A National Banking Association 2.90 2.78 2.62 6 OneUnited Bank 1.25 1.37 1.29

7 Bank of Kilmichael 2.74 2.84 2.70 7 CBMI: Community Bank, Coast 1.40 1.35 1.30

8 Oxford University Bank 2.69 2.84 2.72 8 The Bank of Vernon 1.34 1.34 1.33

9 CBMI: Community Bank, North Mississippi 2.76 2.70 2.75 9 Oxford University Bank 1.40 1.43 1.36

10 BankFirst Financial Services 2.89 3.04 2.84 10 Security Federal Bank 1.26 1.33 1.44

11 The Bank of Vernon 2.93 2.96 2.86 11 Community Capital Bank of Virginia 1.36 1.33 1.56

12 CBMI: Community Bank, Coast 3.04 3.01 2.87 11 Merchants and Planters Bank 1.78 1.74 1.56

12 OneUnited Bank 2.61 2.92 2.87 13 Sunrise Banks, N.A. 2.09 1.81 1.57

14 Merchants and Planters Bank 3.28 3.31 2.95 14 The First, A National Banking Association 1.64 1.64 1.58

15 State Bank & Trust Company 3.08 3.08 2.98 15 BankFirst Financial Services 1.60 1.67 1.59

16 Southern Bancorp Bank 3.01 2.94 2.99 16 Southern Bancorp Bank 1.54 1.52 1.61

17 Security Federal Bank 2.39 2.51 3.04 17 Bank of Anguilla 1.84 1.89 1.65

18 Guaranty Bank and Trust Company 3.23 3.23 3.17 18 Bank of Kilmichael 1.77 1.74 1.67

19 United Bank 3.29 3.32 3.19 19 Pan American Bank (IL) 1.67 1.63 1.69

20 First Security Bank 3.49 3.33 3.20 20 Carver Federal Savings Bank 1.81 1.93 1.72

21 Pan American Bank (IL) 3.14 3.15 3.21 21 Guaranty Bank and Trust Company 1.89 1.85 1.76

21 The Citizens National Bank of Meridian 3.39 3.40 3.21 21 Mechanics & Farmers Bank 1.97 1.77 1.76

23 ABC Bank 3.08 3.25 3.23 23 Gateway Bank, F.S.B. 2.76 2.43 1.78

24 Beneficial State Bank 4.08 3.28 3.24 24 Bank of Montgomery 2.14 2.08 1.82

25 Broadway Federal Bank, f.s.b. 3.30 3.59 3.26 25 State Bank & Trust Company 1.88 1.88 1.84

26 Farmers and Merchants Bank 3.65 3.91 3.38 25 United Bank 1.88 1.83 1.84

27 Community Bank of the Bay 4.12 3.74 3.39 27 Community Bank of the Bay 2.12 2.01 1.87

28 Bank of Anguilla 3.16 3.57 3.54 28 Noah Bank 3.45 3.27 1.89

28 CBMI: Community Bank of Mississippi 3.24 3.14 3.54 28 The Citizens National Bank of Meridian 1.90 1.97 1.89

30 Mechanics & Farmers Bank 3.75 3.56 3.55 30 Beneficial State Bank 2.25 1.81 1.90

30 The Commercial Bank 3.64 3.41 3.55 30 Farmers and Merchants Bank 2.15 2.12 1.90

32 City First Bank of D.C., N.A. 3.92 4.06 3.67 32 CBMI: Community Bank of Mississippi 1.69 1.66 1.94

33 Peoples Bank 3.38 3.69 3.74 33 ABC Bank 1.78 1.96 2.00

34 Bank of Montgomery 4.31 3.99 3.81 33 The Commercial Bank 2.05 1.92 2.00

35 BankPlus 4.18 4.13 3.93 35 First Security Bank 2.09 2.04 2.02

36 Spring Bank 5.18 4.16 3.99 36 Broadway Federal Bank, f.s.b. 1.75 2.08 2.05

37 First Southwest Bank 3.77 4.01 4.01 37 Illinois-Service Federal S&LA 2.07 2.00 2.09

38 Mission Valley Bank 4.18 4.15 4.09 38 First Southwest Bank 1.92 2.06 2.20

39 Carver Federal Savings Bank 4.59 4.42 4.12 39 BankPlus 2.26 2.21 2.21

40 Gateway Bank, F.S.B. 6.57 6.09 4.17 39 City First Bank of D.C., N.A. 2.05 2.21 2.21

41 Albina Community Bank 4.69 4.36 4.33 41 Start Community Bank 4.69 2.82 2.23

42 Start Community Bank 8.00 5.39 4.37 42 First American International Bank 2.20 2.21 2.26

43 First American International Bank 4.87 4.48 4.40 43 Metro Bank 2.27 2.29 2.32

44 Noah Bank 6.49 5.85 4.63 44 Peoples Bank 2.09 2.26 2.41

45 Metro Bank 4.79 4.95 4.81 45 Spring Bank 2.35 2.16 2.42

46 Industrial Bank 5.15 4.92 4.82 46 Carver State Bank 2.66 2.56 2.49

47 Carver State Bank 5.62 5.60 5.36 47 Mission Valley Bank 2.30 2.43 2.51

47 Central Bank of Kansas City 5.31 5.79 5.36 48 Albina Community Bank 2.19 2.35 2.52

49 Illinois-Service Federal S&LA 4.30 4.62 5.68 49 United Bank of Philadelphia 2.48 2.68 2.64

50 Native American Bank, N.A. 8.67 6.14 5.78 50 City National Bank of New Jersey 2.26 2.41 2.83

51 City National Bank of New Jersey 5.41 5.77 6.32 51 Industrial Bank 3.02 2.84 2.90

52 Neighborhood National Bank 6.23 6.61 6.58 52 Central Bank of Kansas City 2.63 2.87 3.00

53 Bank 2 6.89 6.73 6.62 53 Urban Partnership Bank 2.73 2.68 3.27

54 United Bank of Philadelphia 7.61 7.30 7.12 54 Neighborhood National Bank 2.88 3.06 3.35

55 First Independence Bank 9.07 9.11 8.32 55 Native American Bank, N.A. 3.30 3.37 3.43

56 Urban Partnership Bank 8.16 8.25 8.51 56 Finance and Thrift Company 3.58 3.46 3.87

57 Finance and Thrift Company 8.23 9.05 9.94 57 First Independence Bank 4.68 4.32 3.9858 Sunrise Banks, N.A. 4.00 5.81 10.40 58 Bank 2 4.07 4.16 4.23




Banks $50M-$100M 3.28 3.25 3.15 Banks $50M-$100M 1.68 1.67 1.65

Banks $100M-$300M 2.94 2.88 2.83 Banks $100M-$300M 1.57 1.57 1.58

Banks $300M-$1B 2.93 2.89 2.83 Banks $300M-$1B 1.59 1.59 1.60

Banks $1B-$3B 2.98 2.92 2.88 Banks $1B-$3B 1.58 1.58 1.59

NIE/Average Assets (%) S&B/Average Assets (%)

Non-Interest Expense Salary & Benefits

AV

ERA

GE

AV

ERA

GE


CDBA CB Peer Scorecard 2015Q1-YTD


4.1 1.2

11.816.5

2.37.5 9.2

3.8 6.412.4

8.72.8

11.8

4.91.1 2.8

8.012.2 10.9 11.7

1.86.0 6.7 4.4 1.5

28.0

3.5

13.56.9

17.3

10.8

26.4

25.3

97.1

33.3

10.9

33.333.9

21.6

6.3

37.4

23.5

43.9

21.920.830.5

14.4

37.0

12.6

35.3

27.8

46.333.6

40.0

25.3

5.6

46.5

32.1

23.9

8.6 16.8

6.1

12.3

54.6

15.2

3.0

9.7

3.5

13.3

16.9

9.0

11.5 4.76.8

8.5

12.520.6

12.9 2.3

4.1

5.1

1.1

17.3

13.115.422.5

4.1

8.7

9.1

1.5

1.2

5.8

2.4

4.13.4

1.9

12.5

64.8

17.2

2.3

1.3

5.2

6.1

25.2

7.1

52.7

56.2

58.4

51.234.9

8.0

28.916.3

15.411.4

28.3

5.7

33.2

34.737.5

27.8

36.8

33.6

22.4

9.3 42.0 29.2

21.8

31.540.1

29.2

26.3

63.6

22.819.7

27.281.1 54.1

29.0

62.4

20.0

10.1

43.5

1.4

8.8

18.2

46.7

1.6

16.5

5.4

2.91.2 3.9

15.7

9.2

1.0

7.5

32.6

2.5

26.6

5.6 2.56.7

11.76.9 9.5

33.6

14.8 12.0

32.4

2.7

14.7 15.3 14.6

29.1

2.69.4 11.8

14.7

6.910.8

5.5 6.0

18.8 22.5

6.711.1

17.3

3.8

15.0

5.113.0

4.8

15.3

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

All CDFI Banks: Loan Composition (1-38)2015Q1: Percent of Average Gross Loans & Leases

Construction & Land Development 1-4 Family Residential Farmland Multifamily (5+) Commercial Real Estate Agricultural Production Commercial & Industrial



7.2

25.7

7.114.4 10.2

2.3 2.8 1.76.7

14.418.6 18.1

11.9

23.5

12.06.8 4.8 5.1

2.1 1.58.8

4.4 1.9

15.5

5.57.0 11.2

1.3 1.0

7.7

4.3

7.6

33.1

32.0

23.8

24.226.4

43.3

67.9

16.9

18.5

25.1

31.3

37.2

17.6

24.4

34.7

37.8

71.8

9.9

23.122.3

37.739.2

17.3

45.3

35.5

13.7

42.4

31.1

11.7

4.4

37.8

3.7

18.4

11.64.0

5.4 25.7

6.7

27.2

5.3

15.5

1.6

2.6

6.7

3.2

4.91.2

2.4

5.7

3.8

23.8

18.1

1.23.3

5.03.2

3.9

12.8

5.7

2.2

3.1

2.4

12.9

3.6

3.2

7.4

11.6

4.61.6

1.7

2.6

1.5

2.212.5

2.0

15.6

49.3

17.3

74.0

32.025.2

27.214.7

48.7

7.6

28.2

13.5

49.1

28.3

22.4

23.5

31.556.2

26.7

32.7

8.8

73.531.6

7.3

22.135.3

58.8

28.9 28.5

71.3

17.3

33.2

59.952.3

38.5

17.2

53.8

1.2

3.0

5.2

17.7

2.0

1.8

12.6

8.2

1.0

1.73.6

18.1

7.612.7

2.9 1.75.2

17.3 18.614.9

32.9

6.5 6.8 7.4 6.2 7.7 5.0

17.9

39.4

12.3

1.28.9 6.9 9.0 9.4

4.5 2.6

12.6

24.629.8

2.2

75.6

11.8

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%





3.29.5

2.7 2.0

15.3 17.9

2.79.5

1.1 4.4

13.7

3.0 3.57.3 4.8

1.23.7 8.8

3.2 6.32.7

12.5

3.4 1.27.2 8.0

5.01.5

7.6

18.2

58.8

9.5

42.5

75.8

48.937.6

21.226.4

2.8

22.541.1

29.815.5

39.7

38.2

22.5

23.5

29.5

13.1

47.6

24.9

18.434.7

19.8

32.927.9

31.7

19.8

1.6

15.0

23.6

2.5

25.728.9

22.1

1.4

17.4

4.3

7.8

19.6

7.8

9.3

7.5

9.6

6.5

12.9

12.2 1.3

28.7

12.4 14.8 17.6

3.4

85.8

4.9

7.8

1.9 19.9

1.2

3.3

2.7

2.22.6 17.8

4.0

4.1

3.0

3.5

13.7

6.2

3.7

7.4

5.5

2.23.0

1.4

3.1

7.4

1.3

1.5

24.472.6

7.8

17.3

3.6

27.1

13.3

13.6

24.12.6

32.2

78.0

19.3

8.2

31.95.5

42.7

37.4

7.465.0 26.1

41.8

32.6

39.15.8

27.6

36.840.0

22.333.8

47.9

7.0

59.6

29.5

51.6

34.2 28.7 32.6

2.0

6.6

1.3

7.6

6.3

2.5 2.1

28.1

11.324.6

4.76.7

11.1

33.2

13.614.3

8.712.6

28.0

16.914.5

15.8

8.42.7

14.2

4.1

14.2

26.5

1.17.2

15.9

8.5

19.613.7 11.5 15.2

19.7

31.9

12.37.6

15.512.5 16.4 13.9

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%





14.0

33.8

6.7 5.611.7

27.0

16.311.7

17.3

24.6

13.118.7

15.615.1

3.7 4.6

22.5

10.15.1

16.512.5 12.3

4.9 5.3

13.8

4.8

39.8

34.3

18.713.2 13.9

10.84.3

11.419.7

26.4

16.0

4.0

8.1

6.1

11.2

12.332.7

19.012.6

15.3

29.710.715.8

11.3

9.0 2.8

8.2

15.1

4.5

9.7

8.0

7.1 4.5

9.9

2.3

11.2

10.1

16.7

4.4

3.7

12.3

10.3

13.6

12.7

15.5

24.0

8.4

12.0

7.5

10.5

7.61.0

9.4

5.6

10.9

4.4 1.33.8

37.9

50.5

11.8

11.3

4.6

1.1 22.9 6.0

36.1 41.3

3.2

18.1

7.3 18.7

7.6

5.4

24.017.6

5.4

9.5

7.5

8.1

3.9

16.6

6.5

5.3 7.9

6.9

7.3

9.1

5.7

5.8

18.54.4

13.1

6.8

3.0 20.4

10.3

5.8

14.5

10.2

5.34.8

4.95.6

10.6

6.3

15.5 5.8

7.7

3.5

39.6

2.0

7.112.8

5.3

32.9

12.5

56.2

35.6

70.1

37.320.5

26.3

20.6 38.9

28.9

31.4

35.6

31.2

28.6

21.6

12.0

31.021.1

35.2

40.0

24.9

37.9

30.029.4

33.7

31.5

12.1

15.9

32.133.0

34.058.4

22.628.0 35.8

17.437.9

5.92.0 2.4

6.410.7

6.412.7

7.5

14.6

7.2 8.111.7

3.96.3

3.9 3.4 2.36.8 3.9

13.4

4.9 7.0 5.8 4.310.9

7.9 6.13.1 5.7

13.9

5.910.6

3.9 3.5

14.1

5.5

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

All CDFI Banks: Deposit Composition (1-38)2015Q1: Percent of Average Assets

Demand Deposits All NOW & ATS MMDA Other Savings Time <= Ins. Limit Time > Ins. Limit



27.4

1.8 2.7

26.6 19.321.9

13.317.6

17.9

17.7

44.6

3.8

43.2

4.6

16.6

7.2

21.3

5.5 3.3

14.219.5 16.4

2.06.8

27.7

5.211.3

14.7 16.9

29.0

38.2

19.8 18.5

29.8

6.2

17.2

8.5

1.613.7

17.68.7

11.9

1.3

13.8

5.6

34.7

2.2

31.5

2.7

16.3

21.7

2.5

24.21.7

5.6

3.9

9.4

6.7

23.4

17.6

2.3

3.54.3

3.9

28.1

14.2

4.9

9.3

11.2

16.3

2.8 7.7

31.1

4.3 2.7

6.8

16.9

2.4

11.1

4.5

4.8

6.4

28.9

6.9

13.6

4.43.6

4.1

8.2 32.3

9.2

1.4

15.1

24.0

19.2

4.6

18.0

1.2

1.2

11.6

8.9

16.0

5.9

7.6

7.9

9.9

1.3

19.5

6.4

18.2

2.9

4.4

44.2

11.2

12.2

5.8

46.3

4.5

22.6

3.4

7.31.4

38.3

1.1

53.3

7.3

1.1

5.2

12.9

3.7

23.9

2.9

2.6

11.5

59.4

4.2 27.3

24.0

25.623.4

35.9

29.6

31.9

3.5

36.9

13.7

28.4

17.9 17.4 14.0

66.7

13.7 19.2

48.8

20.0

19.2

32.5

35.4

15.6

3.9

37.0

18.823.6

41.9

37.7

11.3

74.7

7.3

18.6

55.5

35.5

14.5

4.5

3.7

7.53.6 4.7 8.5 8.2 5.1

7.53.2

1.2 2.45.6

1.1 2.75.7 6.0 5.4 4.2 3.0 4.7

9.6 5.4

12.3 6.33.3 7.7

3.9 3.7 4.2 4.5 2.98.5

1.1 3.2 2.4

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%





18.715.7

16.5

4.1

19.0

11.316.3 13.9

1.7 2.4

17.723.6

19.4 16.221.8 17.7

7.8

18.612.3

3.8 5.3 6.2 6.511.6

27.8

14.7

1.9

19.5 17.65.4

18.715.5

8.8

24.4 21.6

6.4 3.9

4.7

7.5

11.7

8.31.1 23.6

3.9

2.4

24.4

20.027.6

3.3 1.3

3.1

19.0

3.7

4.6 4.6 1.6

11.7 1.3

1.7

9.8

4.9

22.5

12.8

17.0

9.2

5.0

5.3

18.0

1.9

7.5 13.4

5.0

5.2

21.7

3.2

12.0

8.7

31.9

16.8

8.8

1.1

2.2

21.6

2.8 28.5

5.5

4.7 7.915.8 13.9

4.9

1.3

13.0

13.6

25.6

1.729.2

3.5

1.6

6.2

5.9

18.6

5.6

13.5

1.8

6.3

28.4

2.9

7.7

12.8

24.16.6

6.2

16.2

8.9

12.43.4

1.4

14.1

11.28.2

5.6

42.9

4.0 2.6

29.8

67.7

13.6

3.5 1.8

11.4

6.0

4.0

4.3

11.2

43.8

19.4

12.4

3.2

26.1

39.4

44.7

3.8

32.6

44.8

33.6

33.9 39.5

31.7

27.1

44.5

19.8

31.2

26.8 38.3

25.8

27.0

31.5

61.4

2.9

55.1 43.6

25.2

6.1

23.9

37.7 29.3

28.6

14.8

14.726.7 33.4

24.014.6 28.3

37.5

3.2

13.4

1.24.7 5.5 7.1

1.3 1.7 1.9 3.2 1.16.6

3.57.4

4.0 7.2 6.8 3.3 2.2 3.3 2.9 1.8 4.4 4.61.2 3.3

3.512.5 12.4

2.7

11.74.8 2.7

8.5

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 71.10 73.01 73.93 74.00 73.90

Non-CDBA Members 77.15 77.73 78.02 77.56 77.78

All CDFI Banks 74.17 75.41 76.01 75.81 75.89

Banks $50M-$100M 73.26 75.20 76.33 75.64 75.27

Banks $100M-$300M 75.37 76.88 77.57 77.27 77.08

Banks $300M-$1B 74.57 76.15 76.96 76.62 76.49

Banks $1B-$3B 79.45 79.69 80.12 79.87 79.13

71.10

73.01

73.93 74.00 73.90

66.00

68.00

70.00

72.00

74.00

76.00

78.00

80.00

82.00

% o

f Ave

rag

e A

sset

sCore Deposits

CDBA Members Non-CDBA Members All CDFI Banks Banks $50M-$100M

Banks $100M-$300M Banks $300M-$1B Banks $1B-$3B



2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 0.48 0.55 0.45 0.56 0.64

Non-CDBA Members 0.60 0.84 0.81 0.84 0.75

All CDFI Banks 0.55 0.69 0.64 0.72 0.70

Banks $50M-$100M 0.71 0.94 0.99 0.99 0.97

Banks $100M-$300M 0.67 0.92 0.95 1.02 1.01

Banks $300M-$1B 0.46 0.77 0.86 0.91 0.87

Banks $1B-$3B 0.36 0.56 0.59 0.71 0.72

0.48

0.55

0.45

0.56

0.64

0.00

0.20

0.40

0.60

0.80

1.00

1.20

RO

AA

(%

)Return on Average Assets





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 4.34 4.29 3.28 4.08 5.64

Non-CDBA Members 5.56 7.44 7.14 7.68 6.59

All CDFI Banks 5.21 6.01 5.44 6.09 6.31

Banks $50M-$100M 6.81 9.00 9.67 9.60 9.22

Banks $100M-$300M 6.27 8.66 9.27 9.81 9.54

Banks $300M-$1B 3.56 6.72 7.71 8.15 7.75

Banks $1B-$3B 2.44 4.31 4.92 6.33 6.15

4.34 4.29

3.28

4.08

5.64

0.00

2.00

4.00

6.00

8.00

10.00

12.00

RO

AE

(%

)Return on Average Equity





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 2.16 2.18 1.98 1.85 1.85

Non-CDBA Members 2.19 2.05 1.92 1.81 1.81

All CDFI Banks 2.16 2.10 1.92 1.80 1.80

Banks $50M-$100M 2.07 1.82 1.58 1.37 1.34

Banks $100M-$300M 1.90 1.74 1.60 1.44 1.44

Banks $300M-$1B 2.07 1.94 1.73 1.53 1.52

Banks $1B-$3B 1.97 1.93 1.83 1.63 1.65

2.16 2.18

1.98

1.85 1.85

0.00

0.50

1.00

1.50

2.00

2.50

% o

f To

tal L

oan

s &

Lea

ses

Loan Loss Reserves





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 0.97 0.75 0.52 0.32 0.18

Non-CDBA Members 0.56 0.51 0.42 0.32 0.13

All CDFI Banks 0.75 0.60 0.46 0.30 0.14

Banks $50M-$100M 0.96 0.58 0.26 0.14 0.07

Banks $100M-$300M 0.80 0.51 0.29 0.18 0.07

Banks $300M-$1B 0.77 0.51 0.28 0.17 0.06

Banks $1B-$3B 0.71 0.44 0.33 0.22 0.08

0.97

0.75

0.52

0.32

0.18

0.00

0.20

0.40

0.60

0.80

1.00

1.20

% o

f Ave

rag

e L

oan

sNet Charge-Offs





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 3.39 3.44 2.73 2.29 2.15

Non-CDBA Members 3.55 3.34 2.55 2.26 2.42

All CDFI Banks 3.37 3.36 2.58 2.22 2.18

Banks $50M-$100M 2.91 2.05 1.42 0.94 0.91

Banks $100M-$300M 2.79 2.06 1.47 1.06 1.05

Banks $300M-$1B 2.82 2.30 1.55 1.07 1.02

Banks $1B-$3B 2.50 2.00 1.70 1.21 1.26

3.39 3.44

2.73

2.29 2.15

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

4.00

% o

f To

tal L

oan

s &

Lea

ses

Non-Current Loans





2011Y 2012Y 2013Y 2014Y 2015Q1

CDBA Members 32.10 33.91 31.23 26.69 26.10

Non-CDBA Members 34.98 30.43 31.01 21.83 22.44

All CDFI Banks 32.32 30.83 28.15 23.58 22.98

Banks $50M-$100M 27.41 20.46 15.32 10.86 10.19

Banks $100M-$300M 31.15 23.10 17.53 12.85 12.17

Banks $300M-$1B 33.71 26.65 18.80 13.47 12.75

Banks $1B-$3B 29.17 23.41 20.48 16.62 13.59

32.10 33.91

31.23

26.69 26.10

0.00

5.00

10.00

15.00

20.00

25.00

30.00

35.00

40.00

Texa

s R

atio

(%

)Texas Ratio




Institution Name Type FDIC Cert. Established City County, State Assets Employees Branches

($000) Actual Actual

American Metro Bank Commercial Bank 34334 1/29/1997 Chicago Cook, IL 62,347 17 2

American Plus Bank, N.A. Commercial Bank 58469 8/8/2007 Arcadia Los Angeles, CA 321,664 42 2

Amory Federal S&LA Savings Institution (Thrift) 28949 6/1/1934 Amory Monroe, MS 94,848 12 1

Bank of Cherokee County Commercial Bank 2327 12/1/1908 Hulbert Cherokee, OK 105,146 33 3

Bank of Commerce Commercial Bank 9359 8/4/1904 Greenwood Leflore, MS 352,680 44 4

Bank of Lake Village Commercial Bank 15547 1/1/1934 Lake Village Chicot, AR 63,282 15 2

Bank of Okolona Commercial Bank 5902 1/31/1931 Okolona Chickasaw, MS 154,697 35 3

Bank of Winona Commercial Bank 12207 6/15/1885 Winona Montgomery, MS 116,331 18 1

Bank of York Commercial Bank 862 1/1/1911 York Sumter, AL 105,382 22 2

BNA Bank Commercial Bank 19448 1/1/1896 New Albany Union, MS 438,119 91 5

Caldwell Bank & Trust Company Commercial Bank 11785 1/1/1902 Columbia Caldwell, LA 164,513 46 3

CBW Bank Commercial Bank 13959 1/1/1892 Weir Cherokee, KS 16,437 11 1

Citizens Bank Commercial Bank 11432 11/1/1919 Byhalia Marshall, MS 72,311 26 3

Citizens Bank Commercial Bank 324 7/15/1914 Columbia Marion, MS 398,033 142 7

Citizens Progressive Bank Commercial Bank 10531 1/1/1918 Winnsboro Franklin, LA 111,322 35 3

Citizens Savings Bank and Trust Company Commercial Bank 10319 1/4/1904 Nashville Davidson, TN 103,322 30 3

Citizens Trust Bank Commercial Bank 8033 6/18/1921 Atlanta Fulton, GA 398,165 103 10

Colfax Banking Company Commercial Bank 8140 1/1/1901 Colfax Grant, LA 95,157 32 5

Commercial Capital Bank Commercial Bank 34784 2/22/1999 Delhi Richland, LA 71,602 19 1

Community Commerce Bank Commercial Bank 26363 10/1/1976 Claremont Los Angeles, CA 186,723 37 4

Concordia Bank & Trust Company Commercial Bank 8527 7/1/1903 Vidalia Concordia, LA 535,789 120 7

Cottonport Bank Commercial Bank 8798 7/2/1902 Cottonport Avoyelles, LA 329,497 156 12

Cross Keys Bank Commercial Bank 9322 4/2/1902 Saint Joseph Tensas, LA 320,848 96 7

Delta Bank Commercial Bank 26564 1/10/1986 Vidalia Concordia, LA 262,292 70 5

FBT Bank & Mortgage Commercial Bank 1028 1/6/1931 Fordyce Dallas, AR 136,722 45 4

First Bank of Linden Commercial Bank 15695 5/7/1904 Linden Marengo, AL 79,048 15 1

First Choice Bank Commercial Bank 57966 8/18/2005 Cerritos Los Angeles, CA 680,253 90 5

First State Bank Commercial Bank 9502 9/8/1919 Danville Danville City, VA 39,465 14 1

Florida Parishes Bank Savings Institution (Thrift) 29670 6/16/1922 Hammond Tangipahoa, LA 229,297 71 4

FNB Oxford Bank Commercial Bank 5005 10/10/1910 Oxford Lafayette, MS 255,274 66 3

Golden Bank, N.A. Commercial Bank 26223 5/3/1985 Houston Harris, TX 567,834 104 6

Holmes County Bank & Trust Company Commercial Bank 321 1/1/1932 Lexington Holmes, MS 117,077 27 4

Homeland Federal Savings Bank Savings Institution (Thrift) 32459 3/12/1986 Columbia Caldwell, LA 164,352 57 2

Liberty Bank and Trust Company Commercial Bank 20856 11/16/1972 New Orleans Orleans, LA 623,805 173 15

Magnolia State Bank Commercial Bank 22081 8/4/1975 Bay Springs Jasper, MS 322,398 84 8

Mechanics Bank Commercial Bank 12206 1/1/1892 Water Valley Yalobusha, MS 219,045 66 5

Mitchell Bank Commercial Bank 13029 1/1/1907 Milwaukee Milwaukee, WI 53,591 24 2

North Milwaukee State Bank Commercial Bank 20364 2/12/1971 Milwaukee Milwaukee, WI 78,570 20 2

Northern Hancock Bank & Trust Co. Commercial Bank 22647 5/1/1978 Newell Hancock, WV 26,811 16 2

Pacific Global Bank Commercial Bank 34089 11/9/1995 Chicago Cook, IL 159,740 39 3

Pan American Bank (CA) Commercial Bank 20448 7/1/1971 Los Angeles Los Angeles, CA 36,175 17 1

PriorityOne Bank Commercial Bank 21906 1/27/1975 Magee Simpson, MS 585,565 192 12

ProAmerica Bank Commercial Bank 58349 11/7/2006 Los Angeles Los Angeles, CA 160,376 33 1

Richland State Bank Commercial Bank 8526 9/15/1902 Rayville Richland, LA 288,385 75 7

Richton Bank & Trust Company Commercial Bank 11817 1/1/1931 Richton Perry, MS 64,799 17 2

Savoy Bank Commercial Bank 58641 1/15/2008 New York New York, NY 141,374 21 1

Seaway Bank and Trust Company Commercial Bank 19328 1/2/1965 Chicago Cook, IL 404,889 235 10

Security State Bank of Wewoka, OK Commercial Bank 8980 12/5/1911 Wewoka Seminole, OK 203,535 52 3

South Carolina Community Bank Commercial Bank 35241 3/26/1999 Columbia Richland, SC 58,075 17 2

Sycamore Bank Commercial Bank 11423 3/13/1900 Senatobia Tate, MS 206,407 58 5

The Harbor Bank of Maryland Commercial Bank 24015 9/13/1982 Baltimore Baltimore City, MD 231,210 64 7

The Jefferson Bank Commercial Bank 11445 1/3/1901 Fayette Jefferson, MS 102,433 27 4

Tri-State Bank of Memphis Commercial Bank 16511 12/16/1946 Memphis Shelby, TN 123,327 41 5

United Mississippi Bank Commercial Bank 21083 5/14/1973 Natchez Adams, MS 359,930 134 12

West Alabama Bank & Trust Commercial Bank 16175 7/29/1944 Reform Pickens, AL 575,210 157 12

CDFI Certified Banks (Non-CDBA Members)




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Security State Bank of Wewoka, OK 36.08 5.13 84.65 1 The Jefferson Bank 10.07 1.48 68.40

2 Savoy Bank 17.95 21.17 62.28 2 Richland State Bank 5.45 12.03 56.33

3 CBW Bank (5.17) 18.21 51.38 3 Commercial Capital Bank 11.59 24.09 43.68

4 Caldwell Bank & Trust Company 7.15 32.96 48.27 4 First Choice Bank 73.17 46.84 38.96

5 First Choice Bank 31.62 42.36 34.34 5 Liberty Bank and Trust Company 10.79 0.18 38.85

6 Liberty Bank and Trust Company 2.28 5.68 30.89 6 Security State Bank of Wewoka, OK 40.97 5.17 37.95

7 Sycamore Bank 7.33 (2.99) 29.32 7 Savoy Bank 28.11 33.01 35.20

8 The Jefferson Bank 0.77 1.48 29.27 8 Citizens Progressive Bank 3.49 18.95 34.68

9 Citizens Progressive Bank 2.66 18.37 26.36 9 ProAmerica Bank 16.06 4.97 29.23

10 American Plus Bank, N.A. (3.45) 6.05 24.38 10 Caldwell Bank & Trust Company 13.69 46.62 25.87

11 Bank of Commerce 8.80 13.30 21.21 11 American Metro Bank (7.11) 3.78 18.64

12 Citizens Bank 1.08 3.52 19.75 12 Bank of Okolona 12.39 14.06 13.30

13 Holmes County Bank & Trust Company 1.44 (1.83) 18.85 13 Magnolia State Bank 0.28 8.80 11.79

14 Citizens Bank 1.25 (2.13) 18.65 14 Pacific Global Bank (4.18) (0.62) 11.09

15 North Milwaukee State Bank (9.68) (5.93) 17.68 15 American Plus Bank, N.A. (5.21) 19.63 11.04

16 PriorityOne Bank 5.40 3.28 17.67 16 PriorityOne Bank 4.92 5.33 11.04

17 Bank of Lake Village 2.20 2.37 16.38 17 Colfax Banking Company 6.04 3.98 10.49

18 FNB Oxford Bank (2.93) 4.01 15.64 18 Citizens Savings Bank and Trust Company 0.79 22.53 9.63

19 Delta Bank 0.44 2.86 14.62 19 Cottonport Bank 4.97 11.54 8.04

20 Mitchell Bank (6.27) (2.81) 14.11 20 Florida Parishes Bank (3.24) 17.26 7.74

21 Bank of Okolona 0.18 5.49 11.51 21 Golden Bank, N.A. 3.35 26.30 6.88

22 BNA Bank 0.65 0.08 10.41 22 Citizens Trust Bank (3.00) 3.11 5.68

23 Bank of Winona (0.96) 0.95 8.79 23 Bank of Winona (0.69) (3.99) 5.41

24 American Metro Bank (11.35) (13.45) 8.69 24 United Mississippi Bank 30.97 2.80 4.85

25 Mechanics Bank 2.43 3.05 8.56 25 Delta Bank 11.61 3.67 3.99

26 FBT Bank & Mortgage 0.72 4.57 7.99 26 Homeland Federal Savings Bank (1.47) 12.90 3.20

27 West Alabama Bank & Trust (3.91) 1.50 7.93 27 Bank of York 4.38 11.50 3.18

28 Magnolia State Bank 4.13 6.58 7.52 28 Holmes County Bank & Trust Company (3.99) (6.89) 2.71

29 Bank of Cherokee County (0.40) 0.41 6.27 29 West Alabama Bank & Trust (2.89) 4.15 0.32

30 Colfax Banking Company 2.63 9.23 5.54 30 Concordia Bank & Trust Company 0.26 0.04 (0.81)

31 Cottonport Bank 0.03 (1.04) 5.53 31 The Harbor Bank of Maryland (9.72) (1.04) (1.65)

32 Richton Bank & Trust Company 1.50 (0.61) 5.32 32 BNA Bank 2.71 1.80 (2.05)

33 Florida Parishes Bank 4.08 10.11 5.26 33 FBT Bank & Mortgage 15.67 16.75 (3.22)

34 Golden Bank, N.A. 3.54 (2.03) 4.46 34 Citizens Bank 2.26 12.04 (3.86)

35 First State Bank 1.23 (0.53) 4.10 35 Citizens Bank 8.48 (0.63) (3.97)

36 Homeland Federal Savings Bank (2.00) 5.51 3.96 36 South Carolina Community Bank (8.77) (10.24) (5.64)

37 Amory Federal S&LA (2.73) (2.77) 3.12 37 Bank of Cherokee County (1.80) (1.13) (6.24)

38 Citizens Trust Bank (2.01) 2.02 2.96 38 Richton Bank & Trust Company (4.05) (6.67) (6.33)

39 Northern Hancock Bank & Trust Co. (2.19) (5.88) 0.18 39 First State Bank 8.98 (0.78) (6.40)

40 Citizens Savings Bank and Trust Company 9.03 6.24 0.16 40 Amory Federal S&LA 1.31 (0.75) (6.62)

41 Commercial Capital Bank 11.78 12.03 (0.78) 41 Bank of Commerce 21.21 11.86 (6.81)

42 Richland State Bank 12.90 5.56 (1.15) 42 Seaway Bank and Trust Company 0.13 (7.52) (8.42)

43 Concordia Bank & Trust Company 2.16 0.22 (2.18) 43 Sycamore Bank 5.75 6.75 (8.44)

44 Pacific Global Bank (2.46) 3.51 (2.40) 44 Northern Hancock Bank & Trust Co. (8.12) (0.37) (8.69)

45 United Mississippi Bank 31.63 (2.33) (3.12) 45 FNB Oxford Bank 4.20 10.10 (10.57)

46 Tri-State Bank of Memphis 7.50 (9.46) (3.94) 46 First Bank of Linden (3.81) (6.11) (10.62)

47 Cross Keys Bank (2.56) 6.47 (4.01) 47 Mechanics Bank 7.84 (7.33) (11.15)

48 South Carolina Community Bank (16.13) (12.33) (5.70) 48 Cross Keys Bank (2.47) 15.10 (20.02)

49 The Harbor Bank of Maryland (2.25) (3.44) (6.33) 49 North Milwaukee State Bank 0.65 (8.88) (22.55)

50 Bank of York 2.74 18.11 (8.34) 50 Bank of Lake Village 5.56 5.43 (23.25)

51 ProAmerica Bank (0.76) 8.04 (11.71) 51 Pan American Bank (CA) 7.25 (4.17) (26.51)

52 First Bank of Linden 0.79 2.02 (12.09) 52 Tri-State Bank of Memphis 8.78 2.63 (28.88)

53 Seaway Bank and Trust Company 0.64 (24.54) (14.36) 53 Mitchell Bank (14.68) (7.07) (33.77)

54 Pan American Bank (CA) 5.66 (6.13) (19.10) 54 Community Commerce Bank (17.77) (13.86) (34.98)

55 Community Commerce Bank (12.82) (13.34) (25.62) 55 CBW Bank (1.31) (7.67) (62.22)




Banks $50M-$100M (0.15) 3.32 5.19 Banks $50M-$100M 1.72 5.23 3.65

Banks $100M-$300M 2.20 6.42 7.52 Banks $100M-$300M 4.69 8.97 8.48

Banks $300M-$1B 3.62 7.19 9.21 Banks $300M-$1B 6.20 10.01 7.13

Banks $1B-$3B 5.69 9.28 13.99 Banks $1B-$3B 8.65 12.84 13.99

Asset Growth YTD Loan Growth YTDAsset Growth (%) Loan Growth (%)

AV

ERA

GE

AV

ERA

GE



Institution Name Institution Name Assets (%) Loans (%) Deposits (%)

2013Y 2014Y 2015Q1 2015Q1 2015Q1 2015Q1

1 Security State Bank of Wewoka, OK 37.73 2.49 100.89 American Metro Bank 8.69 18.64 17.74

2 Savoy Bank 18.38 22.22 69.97 American Plus Bank, N.A. 24.38 11.04 29.78

3 CBW Bank (5.83) 3.83 63.52 Amory Federal S&LA 3.12 (6.62) 3.76

4 Liberty Bank and Trust Company (6.71) 6.23 54.19 Bank of Cherokee County 6.27 (6.24) 6.16

5 Caldwell Bank & Trust Company 9.03 28.84 47.08 Bank of Commerce 21.21 (6.81) 25.42

6 First Choice Bank 31.00 41.20 38.25 Bank of Lake Village 16.38 (23.25) 17.95

7 The Jefferson Bank 0.85 (1.62) 32.95 Bank of Okolona 11.51 13.30 11.26

8 Sycamore Bank 8.83 (3.84) 31.30 Bank of Winona 8.79 5.41 7.28

9 American Plus Bank, N.A. (10.92) 5.67 29.78 Bank of York (8.34) 3.18 (1.52)

10 Citizens Progressive Bank 2.16 19.99 28.42 BNA Bank 10.41 (2.05) 10.32

11 PriorityOne Bank 3.30 2.28 27.83 Caldwell Bank & Trust Company 48.27 25.87 47.08

12 Florida Parishes Bank 2.05 8.44 25.47 CBW Bank 51.38 (62.22) 63.52

13 Bank of Commerce 9.88 12.14 25.42 Citizens Bank 18.65 (3.97) 20.65

14 Magnolia State Bank 4.35 1.56 22.30 Citizens Bank 19.75 (3.86) 21.81

15 Citizens Bank 3.55 3.05 21.81 Citizens Progressive Bank 26.36 34.68 28.42

16 Holmes County Bank & Trust Company 1.82 (2.53) 20.76 Citizens Savings Bank and Trust Company 0.16 9.63 0.09

17 Citizens Bank 1.90 (3.33) 20.65 Citizens Trust Bank 2.96 5.68 2.67

18 North Milwaukee State Bank (8.06) (5.83) 19.83 Colfax Banking Company 5.54 10.49 3.12

19 Bank of Lake Village 2.61 2.26 17.95 Commercial Capital Bank (0.78) 43.68 (2.39)

20 American Metro Bank (15.66) (12.22) 17.74 Community Commerce Bank (25.62) (34.98) (47.04)

21 Mitchell Bank (5.55) (3.11) 17.21 Concordia Bank & Trust Company (2.18) (0.81) (4.24)

22 Delta Bank 1.75 5.40 16.61 Cottonport Bank 5.53 8.04 4.62

23 FNB Oxford Bank (2.95) 1.74 13.24 Cross Keys Bank (4.01) (20.02) (13.00)

24 West Alabama Bank & Trust (3.39) (0.16) 13.15 Delta Bank 14.62 3.99 16.61

25 Bank of Okolona (0.87) 5.75 11.26 FBT Bank & Mortgage 7.99 (3.22) 8.18

26 BNA Bank 1.71 (0.89) 10.32 First Bank of Linden (12.09) (10.62) (14.34)

27 Mechanics Bank 2.56 2.93 8.22 First Choice Bank 34.34 38.96 38.25

28 FBT Bank & Mortgage 4.73 0.14 8.18 First State Bank 4.10 (6.40) 3.87

29 Richton Bank & Trust Company 1.19 (0.94) 7.91 Florida Parishes Bank 5.26 7.74 25.47

30 Bank of Winona 1.70 (1.95) 7.28 FNB Oxford Bank 15.64 (10.57) 13.24

31 Tri-State Bank of Memphis 11.74 (12.47) 6.22 Golden Bank, N.A. 4.46 6.88 2.32

32 Bank of Cherokee County 0.76 (1.21) 6.16 Holmes County Bank & Trust Company 18.85 2.71 20.76

33 Cottonport Bank (1.08) 0.11 4.62 Homeland Federal Savings Bank 3.96 3.20 4.34

34 Homeland Federal Savings Bank (2.89) 5.37 4.34 Liberty Bank and Trust Company 30.89 38.85 54.19

35 First State Bank 3.04 (1.33) 3.87 Magnolia State Bank 7.52 11.79 22.30

36 Amory Federal S&LA (3.25) (3.25) 3.76 Mechanics Bank 8.56 (11.15) 8.22

37 Colfax Banking Company 2.88 10.73 3.12 Mitchell Bank 14.11 (33.77) 17.21

38 Citizens Trust Bank (1.12) 1.20 2.67 North Milwaukee State Bank 17.68 (22.55) 19.83

39 Golden Bank, N.A. 3.60 (4.12) 2.32 Northern Hancock Bank & Trust Co. 0.18 (8.69) 0.75

40 Northern Hancock Bank & Trust Co. (2.76) (2.84) 0.75 Pacific Global Bank (2.40) 11.09 (2.53)

41 Citizens Savings Bank and Trust Company 13.39 5.54 0.09 Pan American Bank (CA) (19.10) (26.51) (14.95)

42 Bank of York 1.69 3.44 (1.52) PriorityOne Bank 17.67 11.04 27.83

43 Commercial Capital Bank 8.62 11.42 (2.39) ProAmerica Bank (11.71) 29.23 (14.78)

44 Pacific Global Bank (1.35) 3.13 (2.53) Richland State Bank (1.15) 56.33 (3.75)

45 Richland State Bank 14.47 4.84 (3.75) Richton Bank & Trust Company 5.32 (6.33) 7.91

46 United Mississippi Bank 33.19 (3.07) (3.82) Savoy Bank 62.28 35.20 69.97

47 Concordia Bank & Trust Company 2.83 0.88 (4.24) Seaway Bank and Trust Company (14.36) (8.42) (20.43)

48 South Carolina Community Bank (17.53) (12.91) (5.68) Security State Bank of Wewoka, OK 84.65 37.95 100.89

49 The Harbor Bank of Maryland (1.71) (4.03) (7.97) South Carolina Community Bank (5.70) (5.64) (5.68)

50 Cross Keys Bank (4.03) 2.94 (13.00) Sycamore Bank 29.32 (8.44) 31.30

51 First Bank of Linden 2.56 1.78 (14.34) The Harbor Bank of Maryland (6.33) (1.65) (7.97)

52 ProAmerica Bank (4.52) 9.33 (14.78) The Jefferson Bank 29.27 68.40 32.95

53 Pan American Bank (CA) 10.10 (17.13) (14.95) Tri-State Bank of Memphis (3.94) (28.88) 6.22

54 Seaway Bank and Trust Company 3.24 (34.69) (20.43) United Mississippi Bank (3.12) 4.85 (3.82)

55 Community Commerce Bank (22.74) (24.88) (47.04) West Alabama Bank & Trust 7.93 0.32 13.15




Banks $50M-$100M 0.90 2.33 5.54 Banks $50M-$100M 5.19 3.65 5.54

Banks $100M-$300M 2.24 5.50 8.63 Banks $100M-$300M 7.52 8.48 8.63

Banks $300M-$1B 3.66 6.59 10.70 Banks $300M-$1B 9.21 7.13 10.70

Banks $1B-$3B 5.63 8.81 15.73 Banks $1B-$3B 13.99 13.99 15.73

Deposit Growth YTD Growth Rates YTDDeposit Growth (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 CBW Bank 2.47 6.46 6.41 1 CBW Bank 20.76 46.88 41.70

2 Homeland Federal Savings Bank 2.04 2.11 2.11 2 Homeland Federal Savings Bank 19.07 19.07 18.77

3 Bank of Okolona 1.57 2.02 1.86 3 Caldwell Bank & Trust Company 16.12 21.65 18.22

4 Caldwell Bank & Trust Company 1.50 2.04 1.71 4 Bank of Okolona 14.98 17.49 16.56

5 The Jefferson Bank 1.20 1.11 1.61 5 Citizens Bank 15.02 16.59 15.60

6 Citizens Bank 1.39 1.57 1.51 6 Magnolia State Bank 13.39 11.92 14.78

7 Community Commerce Bank 1.90 1.45 1.50 7 Colfax Banking Company 11.26 12.40 13.52

8 PriorityOne Bank 1.77 1.70 1.42 8 Bank of Commerce 16.95 15.98 13.41

9 Colfax Banking Company 1.15 1.22 1.37 9 PriorityOne Bank 15.88 15.07 12.99

10 Magnolia State Bank 1.25 1.09 1.36 10 Florida Parishes Bank 11.27 10.67 12.75

11 Cross Keys Bank 1.36 1.34 1.32 11 Delta Bank 18.73 19.40 11.98

11 Florida Parishes Bank 1.11 1.06 1.32 12 United Mississippi Bank 7.81 9.47 11.31

13 Golden Bank, N.A. 0.94 1.33 1.30 13 Liberty Bank and Trust Company 13.77 12.78 10.79

14 Commercial Capital Bank 1.93 2.47 1.29 14 Cross Keys Bank 12.27 11.42 10.62

15 Bank of Commerce 1.39 1.32 1.22 15 Richland State Bank 13.44 14.02 10.05

16 American Plus Bank, N.A. 1.22 1.41 1.20 16 Commercial Capital Bank 17.26 20.34 9.93

17 United Mississippi Bank 0.63 0.83 1.13 17 The Jefferson Bank 7.71 7.18 9.88

18 Citizens Progressive Bank 1.81 1.52 1.11 18 FBT Bank & Mortgage 6.75 9.87 9.51

18 West Alabama Bank & Trust 0.96 1.12 1.11 19 West Alabama Bank & Trust 8.36 9.47 8.93

20 FBT Bank & Mortgage 0.69 0.98 1.04 20 Golden Bank, N.A. 7.47 9.66 8.71

21 First Bank of Linden 1.00 1.01 1.02 21 Citizens Progressive Bank 13.02 11.06 8.67

22 Richland State Bank 1.34 1.35 1.01 22 Bank of Winona 7.86 7.45 8.56

23 BNA Bank 1.28 1.27 1.00 23 American Plus Bank, N.A. 10.16 9.48 8.28

24 Delta Bank 1.50 1.54 0.93 24 Concordia Bank & Trust Company 9.42 8.31 8.16

25 Bank of Winona 0.75 0.72 0.92 25 BNA Bank 10.46 10.20 7.91

25 Concordia Bank & Trust Company 1.05 0.94 0.92 26 First Bank of Linden 7.27 7.50 7.64

27 Liberty Bank and Trust Company 1.03 1.03 0.89 27 Sycamore Bank 7.46 8.89 7.05

28 FNB Oxford Bank 0.98 0.88 0.81 28 First Choice Bank 8.01 8.99 7.01

29 Cottonport Bank 0.70 0.41 0.73 29 Bank of Cherokee County 8.43 6.72 6.65

30 Sycamore Bank 0.70 0.82 0.68 30 Cottonport Bank 6.59 3.69 6.47

31 Pacific Global Bank 0.86 1.73 0.66 31 Security State Bank of Wewoka, OK 8.87 15.32 6.43

32 First Choice Bank 0.72 0.75 0.63 32 Bank of York 6.17 7.09 6.10

33 Bank of York 0.72 0.72 0.62 33 FNB Oxford Bank 7.39 6.54 6.06

34 Richton Bank & Trust Company 0.71 0.74 0.60 34 Pacific Global Bank 9.24 16.35 5.76

35 Mechanics Bank 1.22 0.46 0.56 35 Community Commerce Bank 10.39 6.27 5.72

36 Bank of Cherokee County 0.58 0.48 0.52 36 Mechanics Bank 12.18 4.54 5.52

36 Security State Bank of Wewoka, OK 0.72 1.36 0.52 37 Savoy Bank 0.50 8.09 5.28

38 Savoy Bank 0.05 0.87 0.51 38 Citizens Savings Bank and Trust Company (4.40) 3.29 4.38

39 Northern Hancock Bank & Trust Co. 1.13 0.57 0.48 39 Richton Bank & Trust Company 5.06 5.14 4.18

40 Citizens Trust Bank 0.39 0.49 0.47 40 Citizens Trust Bank 3.27 4.12 3.82

41 Tri-State Bank of Memphis (0.77) (0.75) 0.37 41 Tri-State Bank of Memphis (7.97) (7.68) 3.78

42 Citizens Savings Bank and Trust Company (0.37) 0.24 0.35 42 Northern Hancock Bank & Trust Co. 9.82 4.69 3.75

43 Citizens Bank 0.62 0.70 0.34 43 Citizens Bank 5.84 6.37 2.93

44 The Harbor Bank of Maryland (0.12) (0.53) 0.24 44 The Harbor Bank of Maryland (1.11) (4.99) 2.18

45 Bank of Lake Village 0.63 0.66 0.21 45 Bank of Lake Village 5.82 6.23 1.98

46 Mitchell Bank (0.36) 0.11 0.11 46 Amory Federal S&LA 3.53 0.50 0.80

47 Amory Federal S&LA 0.35 0.05 0.08 47 Mitchell Bank (2.54) 0.78 0.71

48 Holmes County Bank & Trust Company 0.30 0.34 (0.17) 48 ProAmerica Bank 18.88 2.26 (1.13)

49 ProAmerica Bank 2.98 0.40 (0.20) 49 Holmes County Bank & Trust Company 2.76 3.01 (1.45)

49 Seaway Bank and Trust Company 0.17 (0.41) (0.20) 50 Seaway Bank and Trust Company 2.25 (5.28) (1.88)

51 First State Bank (0.02) 0.02 (0.32) 51 First State Bank (0.52) 0.42 (7.19)

52 South Carolina Community Bank (1.61) (1.40) (0.51) 52 American Metro Bank (102.61) (12.04) (8.04)

53 American Metro Bank (5.14) (1.02) (0.76) 53 South Carolina Community Bank (37.82) (29.78) (9.33)

54 North Milwaukee State Bank (0.78) (0.60) (0.95) 54 North Milwaukee State Bank (10.61) (7.83) (13.04)55 Pan American Bank (CA) (4.15) (3.63) (7.35) 55 Pan American Bank (CA) (64.19) (50.00) (52.54)




Banks $50M-$100M 0.59 0.71 0.72 Banks $50M-$100M 4.92 6.33 6.15

Banks $100M-$300M 0.86 0.91 0.87 Banks $100M-$300M 7.71 8.15 7.75

Banks $300M-$1B 0.95 1.02 1.01 Banks $300M-$1B 9.27 9.81 9.54

Banks $1B-$3B 0.99 0.99 0.97 Banks $1B-$3B 9.67 9.60 9.22

Return on Average Assets Return on Average EquityROAA (%) ROAE (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Northern Hancock Bank & Trust Co. 8.60 7.51 7.73 1 CBW Bank 73.43 52.75 32.13

2 Citizens Progressive Bank 5.38 5.52 5.64 2 Bank of Commerce 46.43 43.97 43.49

3 Homeland Federal Savings Bank 5.38 5.38 5.52 3 American Plus Bank, N.A. 48.53 44.79 44.92

4 Community Commerce Bank 5.52 5.24 5.45 4 The Jefferson Bank 58.63 62.11 49.17

5 Seaway Bank and Trust Company 4.29 4.47 5.41 5 Golden Bank, N.A. 60.38 55.71 52.12

6 Bank of Okolona 5.05 5.14 5.38 6 Bank of Okolona 61.78 57.67 54.08

7 Caldwell Bank & Trust Company 5.29 6.15 5.28 7 BNA Bank 50.18 50.17 56.00

8 Citizens Savings Bank and Trust Company 4.67 5.18 5.09 8 West Alabama Bank & Trust 60.13 58.78 59.68

9 Florida Parishes Bank 5.07 5.11 5.05 9 Caldwell Bank & Trust Company 69.83 63.59 61.73

10 The Jefferson Bank 4.40 4.41 4.87 10 Homeland Federal Savings Bank 57.61 60.45 64.53

11 First State Bank 5.11 5.06 4.66 11 Florida Parishes Bank 68.83 70.79 64.72

11 Savoy Bank 4.74 4.99 4.66 12 First Choice Bank 59.92 57.77 65.47

13 Commercial Capital Bank 4.63 4.52 4.57 13 Security State Bank of Wewoka, OK 60.87 51.14 65.85

14 Citizens Bank 4.58 4.77 4.55 14 First Bank of Linden 64.41 63.38 67.28

15 First Bank of Linden 4.86 4.25 4.48 15 FNB Oxford Bank 64.41 67.11 67.69

16 Magnolia State Bank 4.65 4.44 4.38 16 PriorityOne Bank 61.05 63.32 67.77

17 Pan American Bank (CA) 4.27 4.56 4.33 17 Concordia Bank & Trust Company 63.40 67.95 67.83

18 Liberty Bank and Trust Company 4.23 4.33 4.23 18 Magnolia State Bank 75.38 74.51 68.49

19 FBT Bank & Mortgage 4.37 4.41 4.22 19 Bank of Winona 75.47 76.18 69.41

20 United Mississippi Bank 4.24 4.18 4.21 19 Cross Keys Bank 65.61 68.02 69.41

21 Security State Bank of Wewoka, OK 4.04 4.72 4.19 21 Citizens Bank 69.05 66.43 69.66

22 Golden Bank, N.A. 3.21 3.87 4.15 22 Delta Bank 63.06 65.05 69.82

23 Colfax Banking Company 4.51 4.39 4.14 23 Richland State Bank 68.91 68.27 72.09

23 Tri-State Bank of Memphis 3.62 4.03 4.14 24 Commercial Capital Bank 58.76 56.04 72.56

25 Richland State Bank 4.40 4.28 4.07 25 Mechanics Bank 66.69 64.67 72.68

26 Bank of Cherokee County 4.35 4.30 4.03 26 Pacific Global Bank 68.06 64.68 72.74

27 The Harbor Bank of Maryland 4.28 4.18 4.01 27 Colfax Banking Company 73.21 72.93 72.83

28 Cross Keys Bank 4.01 4.05 3.99 28 Community Commerce Bank 66.38 70.42 73.52

28 PriorityOne Bank 4.25 4.18 3.99 29 Citizens Progressive Bank 63.93 69.67 74.12

30 Cottonport Bank 4.00 4.11 3.98 30 Liberty Bank and Trust Company 55.45 76.05 74.59

31 Delta Bank 4.19 4.38 3.96 31 Cottonport Bank 75.99 76.41 74.71

32 ProAmerica Bank 4.03 4.15 3.95 32 Sycamore Bank 73.41 70.17 75.23

33 Bank of Commerce 4.40 4.29 3.92 33 FBT Bank & Mortgage 76.62 78.22 75.99

34 Sycamore Bank 3.80 4.03 3.88 34 Bank of York 79.15 76.84 76.38

35 American Plus Bank, N.A. 3.76 3.79 3.79 35 United Mississippi Bank 78.95 82.76 78.92

36 Mechanics Bank 4.42 4.13 3.77 36 Citizens Bank 79.57 77.59 79.94

37 Pacific Global Bank 3.84 3.80 3.76 37 Bank of Cherokee County 78.28 79.12 80.75

38 BNA Bank 3.96 3.94 3.75 38 Savoy Bank 96.08 77.99 81.42

38 FNB Oxford Bank 4.03 4.02 3.75 39 Amory Federal S&LA 70.82 83.85 83.24

40 Richton Bank & Trust Company 3.74 3.56 3.74 40 Bank of Lake Village 75.77 72.78 84.32

41 First Choice Bank 3.58 3.61 3.62 41 Richton Bank & Trust Company 82.90 81.71 84.84

42 American Metro Bank 2.76 3.66 3.57 42 Citizens Trust Bank 86.64 83.39 85.66

43 Mitchell Bank 4.40 3.84 3.55 43 Tri-State Bank of Memphis 105.24 98.11 85.78

43 South Carolina Community Bank 3.98 3.37 3.55 44 Northern Hancock Bank & Trust Co. 75.05 80.33 86.89

45 North Milwaukee State Bank 3.74 4.07 3.52 45 Citizens Savings Bank and Trust Company 107.56 88.42 87.36

46 Amory Federal S&LA 3.05 3.14 3.47 46 The Harbor Bank of Maryland 86.49 97.92 91.35

47 West Alabama Bank & Trust 3.58 3.47 3.45 47 Mitchell Bank 101.87 94.74 97.75

48 Citizens Bank 3.95 3.88 3.44 48 South Carolina Community Bank 110.54 131.14 105.10

49 Citizens Trust Bank 3.75 3.55 3.39 49 Holmes County Bank & Trust Company 93.02 91.66 105.47

50 Bank of Lake Village 4.09 4.07 3.26 50 First State Bank 109.68 94.14 107.13

51 Bank of Winona 3.82 3.95 3.20 51 ProAmerica Bank 83.78 80.84 108.41

52 Concordia Bank & Trust Company 2.98 2.99 2.93 52 Seaway Bank and Trust Company 88.28 111.39 109.69

53 Bank of York 3.00 2.81 2.71 53 North Milwaukee State Bank 92.51 83.16 116.80

54 Holmes County Bank & Trust Company 3.38 2.93 2.63 54 American Metro Bank 197.23 136.58 120.1755 CBW Bank 2.50 2.07 1.89 55 Pan American Bank (CA) 130.89 163.02 258.62




Banks $50M-$100M 3.72 3.76 3.70 Banks $50M-$100M 79.53 77.59 77.53

Banks $100M-$300M 3.70 3.73 3.66 Banks $100M-$300M 72.26 71.27 70.99

Banks $300M-$1B 3.73 3.77 3.70 Banks $300M-$1B 67.62 66.64 66.71

Banks $1B-$3B 3.65 3.64 3.59 Banks $1B-$3B 67.25 66.52 66.42

Net Interest Margin Efficiency RatioNet Interest Margin (%) Efficiency Ratio (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 First Bank of Linden 0.00 0.00 0.00 1 The Harbor Bank of Maryland 1.36 1.59 (0.52)

2 The Jefferson Bank 0.05 0.07 0.02 2 American Metro Bank 7.51 0.35 (0.49)

3 First Choice Bank 0.20 0.00 0.04 3 Homeland Federal Savings Bank 0.88 0.30 (0.46)

4 Bank of York 0.31 0.08 0.16 4 Citizens Savings Bank and Trust Company 0.27 0.09 (0.22)

5 Colfax Banking Company 0.45 0.11 0.16 5 Holmes County Bank & Trust Company 0.40 0.60 (0.17)

6 Citizens Bank 0.39 0.15 0.19 6 Pacific Global Bank 1.55 0.38 (0.14)

7 ProAmerica Bank 0.14 1.16 0.22 7 ProAmerica Bank (0.02) 0.61 (0.09)

8 West Alabama Bank & Trust 0.78 0.51 0.25 8 FNB Oxford Bank 0.02 0.08 (0.08)

9 Bank of Cherokee County 1.21 0.68 0.40 9 Golden Bank, N.A. (0.14) (0.49) (0.07)

10 Richland State Bank 0.31 0.40 0.40 9 Security State Bank of Wewoka, OK 0.89 0.84 (0.07)

11 Cross Keys Bank 0.55 0.41 0.40 11 South Carolina Community Bank 1.73 0.69 (0.06)

12 CBW Bank 0.28 0.00 0.43 12 First Bank of Linden 0.05 0.19 (0.05)

13 Bank of Commerce 0.31 0.47 0.44 13 Florida Parishes Bank 0.35 0.26 (0.04)

14 Delta Bank 0.44 0.40 0.46 13 Richland State Bank 0.04 0.04 (0.04)

15 Magnolia State Bank 0.13 0.39 0.47 15 Bank of York (0.06) (0.01) (0.03)

16 Richton Bank & Trust Company 0.48 0.48 0.47 16 Cross Keys Bank 0.82 0.04 (0.02)

17 FNB Oxford Bank 0.59 0.55 0.49 17 American Plus Bank, N.A. 0.00 0.00 0.00

18 American Plus Bank, N.A. 0.63 0.59 0.56 17 Bank of Lake Village 0.08 0.00 0.00

19 FBT Bank & Mortgage 0.83 0.69 0.56 17 CBW Bank 0.07 (0.08) 0.00

20 Bank of Winona 2.97 0.96 0.76 17 Commercial Capital Bank 0.06 0.09 0.00

21 Commercial Capital Bank 1.17 0.09 0.80 17 Community Commerce Bank 0.50 0.17 0.00

22 Florida Parishes Bank 0.85 0.67 0.80 17 First Choice Bank (0.02) (0.00) 0.00

23 Bank of Lake Village 0.82 1.11 0.83 17 Mitchell Bank 0.90 0.82 0.00

24 Sycamore Bank 1.31 1.21 0.84 17 Savoy Bank 0.54 (0.00) 0.00

25 Concordia Bank & Trust Company 1.16 0.87 0.92 25 Concordia Bank & Trust Company 0.08 0.04 0.01

26 Pacific Global Bank 1.51 1.17 1.01 25 The Jefferson Bank 0.33 0.11 0.01

27 United Mississippi Bank 1.51 1.32 1.03 27 Bank of Winona 0.37 0.15 0.03

28 PriorityOne Bank 1.45 1.01 1.07 27 Colfax Banking Company 0.03 0.02 0.03

29 Security State Bank of Wewoka, OK 0.80 1.07 1.26 27 Magnolia State Bank 0.04 0.02 0.03

30 Golden Bank, N.A. 1.95 1.25 1.35 27 Richton Bank & Trust Company (0.18) 0.06 0.03

31 Amory Federal S&LA 2.46 1.68 1.38 27 Sycamore Bank 0.21 0.18 0.03

32 Homeland Federal Savings Bank 2.09 1.37 1.38 32 Bank of Okolona 0.38 0.30 0.05

33 Citizens Bank 1.31 1.41 1.53 32 PriorityOne Bank 0.37 0.51 0.05

34 Caldwell Bank & Trust Company 2.00 2.04 1.60 34 FBT Bank & Mortgage 0.22 0.18 0.06

35 Cottonport Bank 1.02 1.08 1.67 35 Pan American Bank (CA) 2.15 0.22 0.08

36 Bank of Okolona 1.52 1.70 1.75 35 West Alabama Bank & Trust 0.37 0.43 0.08

37 The Harbor Bank of Maryland 3.11 1.74 1.98 37 Bank of Commerce 0.13 0.13 0.09

38 Citizens Progressive Bank 1.68 2.15 2.00 37 Citizens Progressive Bank 0.33 0.36 0.09

39 BNA Bank 2.26 2.26 2.10 39 Caldwell Bank & Trust Company 0.28 0.14 0.11

40 Savoy Bank 4.16 2.74 2.30 39 United Mississippi Bank 0.33 (0.03) 0.11

41 Liberty Bank and Trust Company 2.11 1.80 2.31 41 Citizens Bank 0.30 0.08 0.13

42 First State Bank 3.48 2.89 2.56 42 BNA Bank 0.29 0.21 0.17

43 Citizens Trust Bank 3.75 2.24 2.73 43 First State Bank 0.21 0.58 0.18

44 Community Commerce Bank 7.40 3.82 2.74 44 Mechanics Bank 0.63 1.07 0.24

45 Citizens Savings Bank and Trust Company 4.40 3.10 2.98 45 Delta Bank 0.03 0.02 0.30

46 Holmes County Bank & Trust Company 3.10 3.44 3.24 46 Citizens Trust Bank 0.43 0.51 0.31

47 Mechanics Bank 1.80 3.49 3.59 47 Citizens Bank 0.33 0.27 0.37

48 Northern Hancock Bank & Trust Co. 5.93 4.96 4.81 47 Cottonport Bank 0.19 0.13 0.37

49 Pan American Bank (CA) 9.35 5.79 6.36 49 Bank of Cherokee County 0.40 0.56 0.61

50 Tri-State Bank of Memphis 3.89 5.07 6.52 50 Tri-State Bank of Memphis 0.44 0.91 0.68

51 American Metro Bank 23.68 11.00 11.07 51 Liberty Bank and Trust Company 1.28 0.69 1.06

52 Mitchell Bank 14.72 12.64 11.43 52 Amory Federal S&LA 0.09 0.75 1.07

53 North Milwaukee State Bank 11.21 15.72 14.12 53 Northern Hancock Bank & Trust Co. 1.47 1.22 1.62

54 Seaway Bank and Trust Company 10.63 15.04 14.60 54 Seaway Bank and Trust Company (0.52) 0.75 2.8855 South Carolina Community Bank 9.34 26.65 26.18 55 North Milwaukee State Bank 1.80 1.67 9.54




Banks $50M-$100M 2.45 2.06 1.91 Banks $50M-$100M 0.33 0.22 0.08

Banks $100M-$300M 2.30 1.72 1.64 Banks $100M-$300M 0.28 0.17 0.06

Banks $300M-$1B 1.83 1.35 1.30 Banks $300M-$1B 0.29 0.18 0.07

Banks $1B-$3B 1.68 1.05 0.99 Banks $1B-$3B 0.26 0.14 0.07

Non-Performing Assets Net Charge-OffsNPAs/Assets (%) NCOs/Average Loans (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Concordia Bank & Trust Company 0.42 0.41 0.41 1 First Bank of Linden 0.00 0.00 0.00

2 Colfax Banking Company 0.56 0.51 0.49 2 The Jefferson Bank 0.27 0.15 0.11

3 United Mississippi Bank 0.58 0.63 0.59 3 Commercial Capital Bank 7.08 0.29 0.27

4 Cross Keys Bank 0.94 0.72 0.76 4 First Choice Bank 2.27 0.00 0.44

5 Magnolia State Bank 0.90 0.83 0.80 5 Colfax Banking Company 1.15 0.87 0.74

6 Citizens Progressive Bank 1.12 0.83 0.81 6 Bank of Commerce 1.13 1.39 0.84

7 Amory Federal S&LA 0.93 0.82 0.83 7 Magnolia State Bank 0.29 0.86 0.94

8 Caldwell Bank & Trust Company 1.01 0.86 0.89 8 Bank of York 2.99 0.77 1.27


10 Bank of York 1.01 0.97 0.99 10 CBW Bank 2.24 0.00 2.27

11 Richland State Bank 1.28 1.10 1.00 11 Richton Bank & Trust Company 1.08 2.34 2.38

12 Delta Bank 1.01 1.01 1.02 12 ProAmerica Bank 6.43 2.81 3.27

13 Citizens Trust Bank 1.70 1.20 1.15 13 American Plus Bank, N.A. 4.03 3.63 3.55

14 First Bank of Linden 1.23 1.13 1.17 14 FNB Oxford Bank 7.24 4.28 3.58

15 Sycamore Bank 1.18 1.21 1.28 15 Bank of Lake Village 7.21 4.96 4.49

16 Bank of Okolona 1.31 1.22 1.29 16 FBT Bank & Mortgage 7.61 5.70 4.57

17 Northern Hancock Bank & Trust Co. 1.49 1.52 1.32 17 Richland State Bank 4.46 3.91 4.59

18 West Alabama Bank & Trust 1.79 1.41 1.39 18 Bank of Cherokee County 16.37 8.71 5.75

19 Commercial Capital Bank 1.63 1.50 1.41 19 West Alabama Bank & Trust 13.67 8.30 6.09

20 Citizens Savings Bank and Trust Company 1.49 1.34 1.42 20 Delta Bank 5.14 4.60 6.46

21 Bank of Commerce 1.20 1.35 1.45 21 Bank of Winona 34.08 8.58 6.52

22 FNB Oxford Bank 1.57 1.39 1.47 22 Cross Keys Bank 9.21 6.70 6.54

23 First State Bank 1.69 1.50 1.48 23 Concordia Bank & Trust Company 9.96 6.58 6.77

24 Bank of Cherokee County 1.75 1.58 1.50 24 Citizens Progressive Bank 1.10 7.28 7.28

24 FBT Bank & Mortgage 1.95 1.50 1.50 25 Security State Bank of Wewoka, OK 5.48 6.96 7.43

26 Golden Bank, N.A. 1.83 1.53 1.53 26 Caldwell Bank & Trust Company 13.80 10.61 8.43

27 Cottonport Bank 0.93 1.63 1.56 27 Golden Bank, N.A. 14.22 7.53 8.46

28 American Plus Bank, N.A. 1.78 1.61 1.61 28 United Mississippi Bank 20.68 13.37 9.90

29 First Choice Bank 1.65 1.66 1.62 29 Pacific Global Bank 42.62 21.25 10.29

30 Citizens Bank 1.55 1.63 1.64 30 Amory Federal S&LA 28.39 9.93 12.09

31 ProAmerica Bank 2.23 1.80 1.70 31 Cottonport Bank 9.38 7.34 12.73

32 Bank of Winona 1.47 1.69 1.71 32 Bank of Okolona 12.50 12.70 13.25

33 PriorityOne Bank 2.08 1.76 1.76 33 Homeland Federal Savings Bank 18.30 13.80 14.22

34 Richton Bank & Trust Company 1.70 1.75 1.78 34 Community Commerce Bank 33.00 16.12 14.85

35 Bank of Lake Village 1.60 1.73 1.89 35 Citizens Bank 16.15 15.71 15.93

36 The Harbor Bank of Maryland 1.83 1.82 1.96 36 Florida Parishes Bank 18.88 17.18 17.55

37 Security State Bank of Wewoka, OK 1.63 1.87 2.04 37 BNA Bank 25.57 23.16 21.46

38 Homeland Federal Savings Bank 2.11 1.93 2.05 38 Sycamore Bank 29.49 24.07 22.39

38 Savoy Bank 2.52 2.13 2.05 39 PriorityOne Bank 30.52 24.40 24.33

40 Florida Parishes Bank 2.52 2.08 2.10 40 Savoy Bank 31.73 29.18 27.71

41 Mechanics Bank 1.56 2.14 2.28 41 Liberty Bank and Trust Company 27.70 21.84 28.19

42 BNA Bank 2.17 2.32 2.39 42 Citizens Trust Bank 42.04 28.53 30.85

43 Liberty Bank and Trust Company 3.33 2.86 2.48 43 Mechanics Bank 23.80 36.00 34.10

44 Tri-State Bank of Memphis 2.36 2.54 2.57 44 Citizens Savings Bank and Trust Company 56.06 43.29 34.41

45 Mitchell Bank 2.71 2.37 2.59 45 Holmes County Bank & Trust Company 33.20 37.10 35.87

46 Pan American Bank (CA) 2.37 2.54 2.70 46 Tri-State Bank of Memphis 41.66 43.58 38.58

47 Holmes County Bank & Trust Company 3.13 2.70 2.72 47 Northern Hancock Bank & Trust Co. 58.41 45.23 43.29

47 The Jefferson Bank 3.36 3.19 2.72 48 The Harbor Bank of Maryland 50.10 43.85 44.57

49 American Metro Bank 4.17 3.40 3.37 49 Seaway Bank and Trust Company 41.35 46.56 52.97

50 Pacific Global Bank 3.91 3.57 3.50 50 Mitchell Bank 102.73 82.91 77.78

51 CBW Bank 2.80 3.11 3.68 51 Pan American Bank (CA) 326.90 85.24 101.05

52 Community Commerce Bank 4.58 4.03 4.04 52 American Metro Bank 258.22 135.57 111.89

52 North Milwaukee State Bank 4.41 5.88 4.04 53 North Milwaukee State Bank 120.63 171.62 189.41

54 South Carolina Community Bank 4.26 4.38 4.56 54 South Carolina Community Bank 226.78 359.46 299.6555 Seaway Bank and Trust Company 6.97 5.86 4.99 55 First State Bank 364.56 289.61 308.01




Banks $50M-$100M 1.83 1.63 1.65 Banks $50M-$100M 20.48 16.62 13.59

Banks $100M-$300M 1.73 1.53 1.52 Banks $100M-$300M 18.80 13.47 12.75

Banks $300M-$1B 1.60 1.44 1.44 Banks $300M-$1B 17.53 12.85 12.17

Banks $1B-$3B 1.58 1.37 1.34 Banks $1B-$3B 15.32 10.86 10.19

Loan Loss Reserves Texas RatioLLR/Loans (%) Texas Ratio (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 CBW Bank 18.87 26.91 64.63 1 Richton Bank & Trust Company 23.78 24.07 128.01

2 Community Commerce Bank 23.39 29.32 35.85 2 CBW Bank 19.63 27.74 65.87

3 Mitchell Bank 24.69 27.73 25.59 3 Community Commerce Bank 24.67 30.60 37.12

4 Citizens Bank 19.73 21.18 25.17 4 Mitchell Bank 25.96 29.00 26.83

5 The Jefferson Bank 29.21 27.32 24.77 5 Citizens Bank 20.56 22.00 26.11

6 Pan American Bank (CA) 5.26 25.38 23.73 6 The Jefferson Bank 30.48 28.58 25.72

7 Amory Federal S&LA 22.16 23.00 22.22 7 Pan American Bank (CA) 6.54 26.66 25.01

8 Richton Bank & Trust Company 22.65 22.97 22.21 8 Amory Federal S&LA 23.41 24.25 23.46

9 Pacific Global Bank 18.35 21.63 22.13 9 Pacific Global Bank 19.65 22.92 23.43

10 First Bank of Linden 23.24 21.71 21.78 10 First Bank of Linden 24.17 22.52 22.60

11 Concordia Bank & Trust Company 22.40 21.81 21.59 11 Holmes County Bank & Trust Company 21.51 22.96 22.39

12 Holmes County Bank & Trust Company 20.26 21.70 21.13 12 BNA Bank 22.18 22.83 22.29

13 BNA Bank 20.93 21.57 21.03 13 Northern Hancock Bank & Trust Co. 18.39 18.87 21.96

14 FNB Oxford Bank 22.08 20.65 20.67 14 Concordia Bank & Trust Company 22.80 22.20 21.92

15 Northern Hancock Bank & Trust Co. 17.13 17.61 20.36 14 FNB Oxford Bank 23.33 21.90 21.92

16 Citizens Trust Bank 17.65 18.39 20.02 16 Bank of Winona 19.82 21.28 20.61

17 Colfax Banking Company 19.07 19.40 19.58 17 ProAmerica Bank 21.02 20.50 20.29

18 Bank of Winona 18.78 20.08 19.44 18 FBT Bank & Mortgage 20.38 20.05 20.22

19 ProAmerica Bank 19.76 19.25 19.04 19 Bank of Lake Village 22.66 20.21 20.16

20 Cottonport Bank 18.68 17.45 18.99 20 Colfax Banking Company 19.62 19.91 20.07

21 FBT Bank & Mortgage 19.13 18.79 18.97 21 Citizens Trust Bank 18.90 19.37 20.02

22 Bank of Lake Village 21.41 18.96 18.90 22 Seaway Bank and Trust Company 16.72 16.89 19.86

23 Seaway Bank and Trust Company 15.39 15.57 18.57 23 Golden Bank, N.A. 21.46 19.58 19.71

24 Golden Bank, N.A. 20.20 18.33 18.46 24 West Alabama Bank & Trust 18.43 18.87 19.32

25 Cross Keys Bank 18.34 17.29 18.43 25 Commercial Capital Bank 21.57 19.97 19.04

26 Bank of York 20.01 17.98 18.38 26 Cross Keys Bank 19.09 17.86 19.02

27 West Alabama Bank & Trust 17.18 17.70 18.17 27 Cottonport Bank 19.61 18.71 18.99

28 Commercial Capital Bank 20.31 18.72 17.79 28 Bank of York 20.70 18.62 18.95

29 Mechanics Bank 15.12 16.25 16.26 29 Mechanics Bank 16.37 17.51 17.52

30 Florida Parishes Bank 16.86 16.26 16.10 30 Florida Parishes Bank 18.12 17.52 17.36

31 American Plus Bank, N.A. 19.18 16.52 15.99 31 American Plus Bank, N.A. 20.43 17.78 17.24

32 Sycamore Bank 14.51 14.59 15.52 32 Sycamore Bank 15.61 15.77 16.77

33 Liberty Bank and Trust Company 13.68 16.18 15.39 33 Liberty Bank and Trust Company 14.95 17.45 16.66

34 Homeland Federal Savings Bank 16.39 15.70 15.38 34 Homeland Federal Savings Bank 17.66 16.96 16.64

35 Richland State Bank 16.85 16.87 15.30 35 Richland State Bank 17.90 17.80 16.19


37 Bank of Okolona 16.32 14.60 13.95 37 Bank of Okolona 17.53 15.72 15.09

38 PriorityOne Bank 14.65 14.29 13.77 38 PriorityOne Bank 15.91 15.55 15.02

39 Bank of Cherokee County 11.73 12.44 13.61 39 American Metro Bank 13.57 15.41 14.19

40 American Metro Bank 12.28 14.13 12.91 40 Bank of Cherokee County 12.99 13.69 13.61

41 Magnolia State Bank 13.18 12.35 12.51 41 Magnolia State Bank 14.14 13.22 13.36

42 Tri-State Bank of Memphis 12.69 11.77 12.14 42 Tri-State Bank of Memphis 13.95 13.03 13.29

43 The Harbor Bank of Maryland 12.17 11.89 11.98 43 The Harbor Bank of Maryland 13.43 13.15 13.24

44 United Mississippi Bank 11.38 12.20 11.90 44 Savoy Bank 15.60 13.20 12.57

45 Citizens Progressive Bank 11.63 11.20 11.62 45 Delta Bank 12.78 12.67 12.51

46 Delta Bank 11.79 11.70 11.53 46 Citizens Progressive Bank 12.66 12.00 12.47

47 Savoy Bank 14.34 11.94 11.31 47 United Mississippi Bank 11.90 12.78 12.44

48 Security State Bank of Wewoka, OK 11.43 12.26 10.01 48 Security State Bank of Wewoka, OK 12.68 13.52 11.26

49 Bank of Commerce 11.41 11.38 10.00 49 Citizens Savings Bank and Trust Company 12.32 10.91 11.23

50 Citizens Savings Bank and Trust Company 11.07 9.66 9.98 50 Bank of Commerce 12.61 12.61 11.22

51 First Choice Bank 9.13 9.97 9.94 51 First Choice Bank 10.38 11.23 11.19

52 Caldwell Bank & Trust Company 12.37 11.50 9.62 52 Caldwell Bank & Trust Company 13.43 12.42 9.64

53 First State Bank 5.93 6.03 6.67 53 First State Bank 7.19 7.28 7.92

54 North Milwaukee State Bank 9.98 8.60 6.43 54 North Milwaukee State Bank 11.26 9.91 7.6955 South Carolina Community Bank 6.96 7.35 6.25 55 South Carolina Community Bank 8.24 8.63 7.53




Banks $50M-$100M 17.80 18.27 18.49 Banks $50M-$100M 18.97 19.42 19.64

Banks $100M-$300M 16.07 16.12 15.97 Banks $100M-$300M 17.27 17.29 17.10

Banks $300M-$1B 14.57 14.59 14.55 Banks $300M-$1B 15.75 15.74 15.66

Banks $1B-$3B 13.77 13.63 13.34 Banks $1B-$3B 14.96 14.75 14.46

Tier 1 Risk-based Ratio Risk-based Capital RatioT1 Risk-based Ratio (%) Risk-based Capital Ratio (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Community Commerce Bank 18.97 23.00 26.11 1 Golden Bank, N.A. 72,850 82,458 84,466

2 ProAmerica Bank 16.68 16.00 16.70 2 West Alabama Bank & Trust 59,169 68,977 71,612

3 The Jefferson Bank 15.93 16.32 16.39 3 PriorityOne Bank 60,835 63,012 63,451

4 CBW Bank 11.81 15.58 16.02 4 Concordia Bank & Trust Company 60,071 60,461 61,211

5 Golden Bank, N.A. 12.57 14.48 14.95 5 First Choice Bank 32,485 56,252 57,999

6 American Plus Bank, N.A. 14.17 15.06 14.59 6 BNA Bank 49,452 53,825 55,101

7 Mitchell Bank 14.04 13.90 14.31 7 Liberty Bank and Trust Company 40,917 48,035 51,170

8 Richton Bank & Trust Company 14.77 14.99 13.58 8 Community Commerce Bank 47,144 49,690 50,001

9 Commercial Capital Bank 11.78 11.86 13.12 9 Citizens Trust Bank 46,084 49,124 49,998

10 Pan American Bank (CA) 3.07 14.31 13.07 10 American Plus Bank, N.A. 40,619 45,199 46,155

11 FNB Oxford Bank 13.12 12.96 12.80 11 Seaway Bank and Trust Company 38,264 42,540 42,585

12 Northern Hancock Bank & Trust Co. 11.63 12.42 12.59 12 Cross Keys Bank 33,083 38,949 41,015

13 BNA Bank 12.11 12.29 12.43 13 Cottonport Bank 35,592 36,826 37,646

14 First Bank of Linden 13.26 11.98 12.37 14 Citizens Bank 33,862 37,311 37,538

15 Citizens Trust Bank 10.60 10.96 11.93 15 United Mississippi Bank 30,198 34,012 34,478

16 West Alabama Bank & Trust 11.23 11.46 11.62 16 FNB Oxford Bank 31,246 33,032 33,402

17 Holmes County Bank & Trust Company 11.67 11.98 11.58 17 Bank of Commerce 23,811 30,799 30,723

18 Cross Keys Bank 10.85 11.21 11.53 18 Magnolia State Bank 27,508 28,932 30,213

19 Cottonport Bank 10.33 10.58 11.48 19 Richland State Bank 26,017 29,123 28,991

20 Pacific Global Bank 9.85 11.44 11.45 20 ProAmerica Bank 27,403 28,076 28,041

21 FBT Bank & Mortgage 10.83 11.45 11.27 21 The Harbor Bank of Maryland 25,296 25,475 25,856

22 Homeland Federal Savings Bank 11.12 11.25 11.18 22 Florida Parishes Bank 19,964 23,333 24,309

23 Citizens Bank 10.58 11.00 11.17 23 Mechanics Bank 20,804 21,799 22,241

24 Concordia Bank & Trust Company 10.88 10.89 10.87 24 Delta Bank 18,863 20,307 20,375

25 Bank of Okolona 10.86 10.87 10.67 25 Sycamore Bank 18,222 19,111 19,591

26 Bank of Lake Village 10.97 10.65 10.63 26 Pacific Global Bank 15,310 18,234 18,558

27 PriorityOne Bank 11.21 11.09 10.60 27 Homeland Federal Savings Bank 17,202 18,346 18,272

28 Amory Federal S&LA 10.28 10.63 10.57 28 Bank of Okolona 16,114 16,823 17,479

29 Florida Parishes Bank 10.06 10.22 10.35 29 The Jefferson Bank 15,409 16,539 17,054

30 Citizens Bank 10.44 10.70 10.30 30 Caldwell Bank & Trust Company 10,132 13,998 15,601

31 Mechanics Bank 10.03 9.96 9.97 31 Security State Bank of Wewoka, OK 12,706 15,132 15,462

32 Richland State Bank 9.64 9.75 9.73 32 FBT Bank & Mortgage 10,836 14,671 14,940

33 Savoy Bank 12.08 10.41 9.70 33 Citizens Progressive Bank 12,606 13,725 14,053

34 Caldwell Bank & Trust Company 9.70 9.85 9.68 34 Holmes County Bank & Trust Company 12,590 13,084 13,431

35 Bank of Winona 9.61 9.73 9.66 35 Bank of Winona 9,240 12,144 12,812

35 Colfax Banking Company 10.07 9.64 9.66 36 Savoy Bank 11,326 12,567 12,743

37 Sycamore Bank 9.08 9.67 9.52 37 Tri-State Bank of Memphis 13,091 12,395 12,597

38 United Mississippi Bank 8.18 9.04 9.48 38 Bank of York 9,217 10,413 10,976

39 Seaway Bank and Trust Company 7.18 8.02 9.36 39 First Bank of Linden 10,740 10,446 10,821

40 American Metro Bank 7.84 9.46 9.31 40 Amory Federal S&LA 9,921 10,060 10,022

41 First Choice Bank 8.22 8.95 9.19 41 Colfax Banking Company 7,920 9,393 9,956

42 Magnolia State Bank 9.22 8.92 9.10 42 Commercial Capital Bank 7,863 9,117 9,326

43 Citizens Progressive Bank 9.42 9.26 8.85 43 Richton Bank & Trust Company 9,204 9,384 9,202

44 Tri-State Bank of Memphis 7.99 8.36 8.77 44 Bank of Cherokee County 6,634 8,082 8,284

45 The Harbor Bank of Maryland 8.59 8.69 8.66 45 Citizens Bank 7,539 8,147 8,261

46 Bank of York 10.42 9.02 8.52 46 Citizens Savings Bank and Trust Company 6,662 7,770 8,215

47 Liberty Bank and Trust Company 7.98 8.35 8.33 47 Mitchell Bank 7,824 7,885 7,899

48 Bank of Commerce 8.39 8.81 8.32 48 Bank of Lake Village 6,430 6,646 6,698

49 Citizens Savings Bank and Trust Company 8.09 7.90 8.10 49 American Metro Bank 5,535 5,882 5,765

50 Bank of Cherokee County 7.73 7.76 7.97 50 North Milwaukee State Bank 6,059 5,642 5,520

51 Delta Bank 7.74 7.92 7.48 51 Pan American Bank (CA) 1,181 5,598 4,909

52 Security State Bank of Wewoka, OK 8.34 9.43 7.39 52 Northern Hancock Bank & Trust Co. 3,423 3,429 3,400

53 South Carolina Community Bank 4.94 5.40 5.42 53 South Carolina Community Bank 3,207 3,212 3,216

54 North Milwaukee State Bank 7.14 6.48 5.40 54 CBW Bank 1,480 2,682 2,99755 First State Bank 3.99 4.02 4.45 55 First State Bank 1,520 1,798 1,764

CDBA Members 10.20 10.38 10.29 CDBA Members 40,683 43,051 43,820

Non-CDBA Members 10.29 10.74 10.70 Non-CDBA Members 21,612 24,180 24,698

All CDFI Banks 10.24 10.55 10.49 All CDFI Banks 31,401 33,866 34,513

Banks $50M-$100M 10.93 11.03 11.19 Banks $50M-$100M 8,773 9,197 9,410

Banks $100M-$300M 10.85 10.90 10.94 Banks $100M-$300M 18,638 19,381 20,240

Banks $300M-$1B 9.93 10.08 10.18 Banks $300M-$1B 54,231 56,564 57,589

Banks $1B-$3B 9.68 9.81 9.85 Banks $1B-$3B 178,017 182,071 184,423

Leverage Ratio Total EquityEquity ($000)Leverage Ratio (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Bank of Okolona 18.46 21.08 92.16 1 CBW Bank 7.06 20.37 16.54

2 Bank of York 20.98 21.92 78.66 2 Seaway Bank and Trust Company 1.73 2.11 3.92

3 CBW Bank 34.84 50.82 54.05 3 Mitchell Bank 1.60 1.83 1.58

4 United Mississippi Bank 37.94 43.91 44.27 4 PriorityOne Bank 1.60 1.56 1.48

5 FNB Oxford Bank 29.60 30.97 31.53 5 Florida Parishes Bank 1.10 1.04 1.34

6 Cottonport Bank 30.40 29.30 30.36 5 United Mississippi Bank 1.15 1.17 1.34

7 Colfax Banking Company 32.35 30.20 28.65 7 Homeland Federal Savings Bank 1.18 1.14 1.14

8 Bank of Lake Village 25.00 27.38 27.80 8 Cottonport Bank 1.04 1.11 1.12

9 Savoy Bank 19.81 21.95 26.71 9 The Harbor Bank of Maryland 0.61 0.66 1.10

10 Florida Parishes Bank 24.09 26.17 26.34 10 Cross Keys Bank 0.91 0.95 1.04

11 The Harbor Bank of Maryland 23.59 26.01 25.10 11 Citizens Bank 0.98 1.02 1.03

12 Citizens Trust Bank 21.12 24.61 25.07 12 Richton Bank & Trust Company 1.07 1.06 1.00

13 The Jefferson Bank 21.21 21.47 24.84 13 Citizens Trust Bank 0.91 0.94 0.99

14 Concordia Bank & Trust Company 20.62 23.06 24.09 14 Tri-State Bank of Memphis 1.19 1.04 0.98

15 Citizens Bank 21.54 23.66 23.66 15 FBT Bank & Mortgage 0.95 1.03 0.92

16 Richland State Bank 25.16 29.56 23.62 16 South Carolina Community Bank 0.94 0.50 0.90

17 Cross Keys Bank 26.02 25.77 23.59 17 Sycamore Bank 0.87 0.94 0.88

18 Mitchell Bank 20.18 23.29 23.56 17 West Alabama Bank & Trust 0.87 0.93 0.88

19 FBT Bank & Mortgage 20.89 22.01 22.72 19 Citizens Bank 0.95 0.91 0.84

20 Richton Bank & Trust Company 20.39 23.06 22.48 20 Commercial Capital Bank 0.56 1.46 0.80

21 Seaway Bank and Trust Company 17.46 22.53 22.42 21 Caldwell Bank & Trust Company 1.06 0.85 0.73

22 ProAmerica Bank 19.57 21.06 21.99 22 Northern Hancock Bank & Trust Co. 0.95 0.57 0.72

23 Security State Bank of Wewoka, OK 17.73 19.20 21.92 23 Citizens Progressive Bank 0.80 0.77 0.71

24 Delta Bank 23.98 23.16 21.68 23 Security State Bank of Wewoka, OK 0.77 1.14 0.71

25 Citizens Bank 21.27 20.52 21.42 25 Delta Bank 0.71 0.74 0.66

26 Pan American Bank (CA) 20.22 17.12 20.98 26 BNA Bank 0.61 0.66 0.64

27 Northern Hancock Bank & Trust Co. 14.96 18.78 19.82 27 Bank of Okolona 0.63 0.70 0.63

28 Liberty Bank and Trust Company 22.90 20.74 19.50 27 Liberty Bank and Trust Company 3.36 0.74 0.63

29 First Bank of Linden 18.57 22.12 19.15 27 Richland State Bank 0.88 0.82 0.63

30 Caldwell Bank & Trust Company 17.09 19.31 18.81 30 Holmes County Bank & Trust Company 0.82 0.82 0.62

31 Holmes County Bank & Trust Company 40.49 41.96 18.69 31 First Choice Bank 0.60 0.70 0.60

32 Mechanics Bank 16.76 19.42 18.47 32 Bank of York 0.78 0.63 0.59

33 Tri-State Bank of Memphis 15.40 17.05 18.27 33 Colfax Banking Company 0.78 0.62 0.58

34 Commercial Capital Bank 15.65 19.02 17.84 34 Mechanics Bank 0.89 0.72 0.55

35 Bank of Winona 19.25 18.31 17.83 35 Concordia Bank & Trust Company 0.64 0.63 0.53

36 Bank of Cherokee County 17.33 18.90 17.37 36 FNB Oxford Bank 0.48 0.52 0.51

37 Bank of Commerce 11.71 11.59 16.66 37 Bank of Cherokee County 0.51 0.48 0.43

38 Citizens Progressive Bank 18.28 17.54 16.51 38 North Milwaukee State Bank 0.83 0.92 0.42

39 Golden Bank, N.A. 13.61 17.57 16.07 38 The Jefferson Bank 1.35 0.57 0.42

40 PriorityOne Bank 13.49 14.99 16.00 40 Magnolia State Bank 1.13 0.62 0.39

41 North Milwaukee State Bank 12.75 15.33 14.41 41 Pan American Bank (CA) 3.91 0.93 0.38

42 Homeland Federal Savings Bank 14.37 15.26 14.06 42 Community Commerce Bank 0.49 1.00 0.37

43 South Carolina Community Bank 13.70 12.90 13.32 43 First Bank of Linden 0.36 0.44 0.36

44 Sycamore Bank 13.13 13.53 13.00 44 Bank of Lake Village 0.32 0.31 0.31

45 Pacific Global Bank 11.18 12.82 12.98 45 Pacific Global Bank 0.37 0.50 0.30

46 First Choice Bank 11.37 12.01 12.51 46 Bank of Commerce 0.32 0.29 0.28

47 Magnolia State Bank 11.53 13.42 12.50 47 Bank of Winona 0.41 0.39 0.26

48 BNA Bank 10.18 11.75 12.04 48 American Metro Bank (0.51) (0.21) 0.23

49 Citizens Savings Bank and Trust Company 16.84 12.61 11.21 49 American Plus Bank, N.A. 0.36 0.84 0.22

50 American Metro Bank 7.37 7.95 8.01 50 Citizens Savings Bank and Trust Company 0.36 0.39 0.21

51 First State Bank 8.67 7.57 7.76 51 Golden Bank, N.A. 0.12 0.34 0.19

52 American Plus Bank, N.A. 6.74 7.49 7.20 52 First State Bank 0.13 0.28 0.18

53 West Alabama Bank & Trust 4.52 4.77 4.78 53 ProAmerica Bank 0.79 0.65 0.12

54 Community Commerce Bank 0.22 0.58 0.99 54 Savoy Bank 0.11 0.10 0.0855 Amory Federal S&LA 0.00 0.00 0.00 55 Amory Federal S&LA (0.11) (0.24) (0.21)




Banks $50M-$100M 18.89 20.04 19.84 Banks $50M-$100M 0.53 0.55 0.52

Banks $100M-$300M 18.86 20.28 20.07 Banks $100M-$300M 0.53 0.47 0.49

Banks $300M-$1B 19.32 20.51 20.54 Banks $300M-$1B 0.78 0.75 0.74

Banks $1B-$3B 22.33 23.15 24.01 Banks $1B-$3B 0.97 0.90 0.90

Non Interest-Bearing Deposits Non-Interest IncomeNIBD/Deposits (%) NII/Average Assets (%)

AV

ERA

GE

AV

ERA

GE




2013Y 2014Y 2015Q1 2013Y 2014Y 2015Q1

1 Bank of Commerce 2.02 1.84 1.69 1 Amory Federal S&LA 0.94 0.99 0.97

2 American Plus Bank, N.A. 1.97 2.04 1.77 2 Bank of Commerce 1.32 1.22 1.03

3 Golden Bank, N.A. 1.92 2.24 2.13 3 American Plus Bank, N.A. 1.16 1.24 1.08

4 BNA Bank 2.11 2.13 2.23 4 West Alabama Bank & Trust 1.28 1.25 1.25

4 Concordia Bank & Trust Company 2.17 2.34 2.23 5 BNA Bank 1.26 1.25 1.32

6 Amory Federal S&LA 1.93 2.27 2.24 6 Bank of York 1.55 1.39 1.33

6 Bank of Winona 2.63 2.72 2.24 6 The Jefferson Bank 1.59 1.51 1.33

8 Bank of York 2.80 2.53 2.41 8 Concordia Bank & Trust Company 1.27 1.42 1.35

9 West Alabama Bank & Trust 2.51 2.46 2.44 9 Bank of Winona 1.75 1.66 1.37

10 The Jefferson Bank 3.30 3.03 2.54 10 First Bank of Linden 1.58 1.52 1.45

11 FNB Oxford Bank 2.70 2.85 2.66 11 Bank of Okolona 1.53 1.53 1.48

12 First Choice Bank 2.46 2.47 2.74 12 Bank of Lake Village 1.64 1.57 1.55

13 Bank of Okolona 2.91 2.99 2.87 12 Golden Bank, N.A. 1.20 1.55 1.55

14 Bank of Lake Village 3.18 3.05 2.88 12 Magnolia State Bank 2.22 1.82 1.55

14 Mechanics Bank 3.29 2.91 2.88 15 Holmes County Bank & Trust Company 1.80 1.63 1.56

16 Pacific Global Bank 2.82 2.73 2.90 16 Mechanics Bank 1.74 1.65 1.60

17 First Bank of Linden 2.89 2.72 2.91 17 Pacific Global Bank 1.28 1.42 1.62

18 Magnolia State Bank 3.98 3.45 3.05 17 South Carolina Community Bank 1.65 1.72 1.62

19 Delta Bank 2.96 3.21 3.10 19 Liberty Bank and Trust Company 1.85 1.79 1.68

20 Citizens Bank 3.38 3.29 3.13 20 FNB Oxford Bank 1.71 1.83 1.71

21 Richland State Bank 3.36 3.24 3.19 20 North Milwaukee State Bank 1.78 1.73 1.71

22 Colfax Banking Company 3.61 3.43 3.21 22 Security State Bank of Wewoka, OK 1.34 1.48 1.72

22 Holmes County Bank & Trust Company 3.28 3.10 3.21 23 Richton Bank & Trust Company 2.00 1.91 1.73

24 Security State Bank of Wewoka, OK 2.86 2.92 3.26 24 Citizens Bank 1.79 1.81 1.74

25 Sycamore Bank 3.16 3.22 3.31 24 Citizens Trust Bank 1.72 1.68 1.74

26 Liberty Bank and Trust Company 4.05 3.71 3.34 24 Colfax Banking Company 2.01 1.89 1.74

27 Cross Keys Bank 3.09 3.25 3.37 27 Tri-State Bank of Memphis 2.06 2.14 1.79

28 Caldwell Bank & Trust Company 4.08 4.02 3.44 28 Mitchell Bank 1.82 1.85 1.80

29 Citizens Trust Bank 3.72 3.50 3.52 28 Richland State Bank 1.90 1.80 1.80

29 PriorityOne Bank 3.40 3.46 3.52 28 Sycamore Bank 1.71 1.75 1.80

29 Richton Bank & Trust Company 3.68 3.50 3.52 31 Caldwell Bank & Trust Company 1.95 2.08 1.81

32 Bank of Cherokee County 3.71 3.71 3.53 32 First Choice Bank 1.39 1.50 1.85

33 Cottonport Bank 3.58 3.72 3.59 32 Savoy Bank 1.70 1.78 1.85

34 Citizens Bank 3.56 3.59 3.64 34 Delta Bank 1.71 1.88 1.88

35 FBT Bank & Mortgage 3.89 4.10 3.74 35 Citizens Savings Bank and Trust Company 2.51 2.06 1.90

36 Savoy Bank 4.53 3.89 3.78 36 The Harbor Bank of Maryland 1.77 1.91 1.91

37 Citizens Progressive Bank 3.71 3.93 3.81 37 Citizens Progressive Bank 1.88 1.98 1.93

38 Florida Parishes Bank 3.92 3.97 3.82 37 Homeland Federal Savings Bank 1.57 1.70 1.93

39 Commercial Capital Bank 3.03 3.37 3.86 39 Bank of Cherokee County 2.03 2.11 1.99

40 Community Commerce Bank 3.69 4.03 3.92 39 Cross Keys Bank 1.83 1.95 1.99

41 Homeland Federal Savings Bank 3.47 3.63 3.95 41 FBT Bank & Mortgage 2.12 2.22 2.03

41 Tri-State Bank of Memphis 4.51 4.54 3.95 42 Commercial Capital Bank 1.60 1.83 2.08

43 The Harbor Bank of Maryland 3.72 4.20 4.22 43 Cottonport Bank 2.07 2.20 2.12

44 ProAmerica Bank 4.00 3.79 4.30 44 American Metro Bank 1.58 1.94 2.15

45 United Mississippi Bank 3.23 4.28 4.31 44 PriorityOne Bank 2.01 2.08 2.15

46 Citizens Savings Bank and Trust Company 5.21 4.71 4.39 46 First State Bank 2.23 2.10 2.17

47 North Milwaukee State Bank 4.04 3.91 4.44 47 Citizens Bank 2.14 2.21 2.22

48 American Metro Bank 4.09 4.53 4.50 48 Florida Parishes Bank 2.15 2.25 2.26

49 South Carolina Community Bank 5.07 4.89 4.52 49 United Mississippi Bank 1.77 2.23 2.32

50 Mitchell Bank 5.53 4.86 4.60 50 Northern Hancock Bank & Trust Co. 2.60 2.82 2.60

51 First State Bank 5.39 4.75 4.86 51 Community Commerce Bank 2.15 2.41 2.78

52 CBW Bank 6.81 11.60 5.70 52 ProAmerica Bank 2.59 2.36 2.86

53 Northern Hancock Bank & Trust Co. 5.87 5.86 6.64 53 Seaway Bank and Trust Company 2.38 2.50 2.97

54 Seaway Bank and Trust Company 4.86 6.83 9.53 54 CBW Bank 3.70 3.49 3.7955 Pan American Bank (CA) 10.48 8.78 11.99 55 Pan American Bank (CA) 4.65 3.79 4.37




Banks $50M-$100M 3.28 3.25 3.15 Banks $50M-$100M 1.68 1.67 1.65

Banks $100M-$300M 2.94 2.88 2.83 Banks $100M-$300M 1.57 1.57 1.58

Banks $300M-$1B 2.93 2.89 2.83 Banks $300M-$1B 1.59 1.59 1.60

Banks $1B-$3B 2.98 2.92 2.88 Banks $1B-$3B 1.58 1.58 1.59

Non-Interest Expense Salary & BenefitsNIE/Average Assets (%) S&B/Average Assets (%)

AV

ERA

GE

AV

ERA

GE



Institution Name CLD FARM 1-4FAM MULTI NFNR APL C&I CL OTHER TOTAL

($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000)

ABC Bank CDBA 10,212 0 42,730 52,757 126,337 0 4,719 1,687 515 238,957

Albina Community Bank CDBA 1,514 143 10,030 3,772 51,213 0 24,014 906 86 91,354

American Metro Bank 343 0 12,590 4,128 29,587 0 2,024 16 6 48,694

American Plus Bank, N.A. 34,043 0 68,066 25,514 142,970 0 7,039 0 0 277,256

Amory Federal S&LA 261 78 65,970 0 515 0 0 566 555 67,945

Bank 2 CDBA 11,105 1,934 23,256 960 23,144 0 4,439 1,542 1,222 67,602

Bank of Anguilla CDBA 1,618 7,405 7,871 882 5,694 25,422 8,428 8,417 821 66,016

Bank of Cherokee County 4,905 2,531 22,157 3,842 18,852 925 4,484 7,574 873 66,143

Bank of Commerce 18,834 36,795 79,590 5,596 35,798 21,274 22,114 14,946 669 235,616

Bank of Kilmichael CDBA 439 134 16,987 0 11,933 15,214 26,069 7,014 1,274 79,064

Bank of Lake Village 162 5,315 1,837 0 3,317 13,046 3,896 992 5 28,570

Bank of Montgomery CDBA 6,929 15,734 65,414 1,334 50,274 2,966 23,644 11,600 0 177,895

Bank of Okolona 879 11,721 24,130 0 6,720 15,302 34,625 9,526 339 103,242

Bank of Winona 125 309 17,523 0 13,110 1,964 1,051 3,918 1,467 39,467

Bank of York 2,614 1,515 7,538 1,515 11,512 1,109 6,126 2,986 603 35,518

BankFirst Financial Services CDBA 68,991 38,765 122,582 20,780 221,742 6,367 87,894 9,695 5,200 582,016

BankPlus CDBA 110,066 115,106 421,732 29,049 393,604 48,027 205,023 52,671 3,740 1,379,018

Beneficial State Bank CDBA 8,742 1,771 39,514 39,498 101,432 0 82,763 4,229 13,880 291,829

BNA Bank 27,080 1,688 84,329 1,282 75,124 510 5,720 17,215 12,899 225,847

Broadway Federal Bank, f.s.b. CDBA 376 0 35,865 199,459 64,048 0 239 6 4 299,997

Caldwell Bank & Trust Company 6,550 16,730 44,999 0 11,812 21,444 12,615 16,193 334 130,677

Carver Federal Savings Bank CDBA 5,076 0 128,342 94,678 187,138 0 70,555 708 0 486,497

Carver State Bank CDBA 683 0 11,192 0 7,090 173 3,569 1,425 89 24,221

CBMI: Community Bank CDBA 40,778 104,303 169,481 12,013 106,765 129 35,089 34,584 39 503,181

CBMI: Community Bank of Mississippi CDBA 59,720 62,551 136,963 6,147 151,923 114 51,346 21,395 0 490,159

CBMI: Community Bank, Coast CDBA 54,827 11,723 176,766 15,586 203,473 25 29,390 23,614 0 515,404

CBMI: Community Bank, North Mississippi CDBA 35,119 12,539 123,392 16,027 88,376 230 16,803 12,715 46 305,247

CBW Bank 0 120 664 0 558 124 412 149 199 2,226

Central Bank of Kansas City CDBA 686 1,039 5,764 5,834 65,596 0 22,800 145 66 101,777

Citizens Bank 2,054 167 15,424 0 7,443 109 1,572 5,479 0 32,248

Citizens Bank 19,177 51,029 91,267 2,152 55,236 2,878 30,542 29,587 2,573 284,441

Citizens Progressive Bank 0 11,476 19,641 0 21,764 7,684 13,662 8,489 358 83,074

Citizens Savings Bank and Trust Company 3,118 0 7,559 0 66,014 0 3,360 1,691 16 81,644

Citizens Trust Bank 2,941 0 32,582 11,778 103,187 0 29,733 6,388 7,275 193,751

City First Bank of D.C., N.A. CDBA 47,565 0 10,726 43,584 51,024 0 8,628 4 12,115 173,071

City National Bank of New Jersey CDBA 5,292 0 18,393 9,853 94,256 0 19,622 651 1,968 149,884

Colfax Banking Company 6,537 75 25,423 0 8,808 0 2,873 3,153 0 46,869

Commercial Capital Bank 3,051 6,675 6,976 0 4,478 16,616 6,766 1,898 60 46,520

Community Bank of the Bay CDBA 13,328 358 11,789 7,665 90,116 0 51,452 2,033 0 176,741

Community Capital Bank of Virginia CDBA 17,108 0 2,979 15,582 10,580 0 11,503 0 7,292 64,999

Community Commerce Bank 58 0 9,715 22,899 89,327 0 0 732 0 122,731

Concordia Bank & Trust Company 16,934 26,222 72,977 2,176 71,406 2,305 16,751 13,896 214 222,881

Cottonport Bank 31,381 8,728 65,917 2,093 51,530 7,491 24,946 14,297 1,655 208,038

Cross Keys Bank 16,933 6,043 39,122 6,648 42,015 8,851 31,926 3,706 2,743 157,987

Delta Bank 3,889 43,343 40,301 0 24,685 26,811 16,763 6,602 1,378 163,772

Farmers and Merchants Bank CDBA 3,665 417 40,544 0 72,533 1,326 7,754 20,702 4,494 151,435

FBT Bank & Mortgage 1,191 5,166 33,806 3,870 6,074 0 13,272 13,678 908 77,965

Finance and Thrift Company CDBA 0 0 463 0 76 0 315 91,925 0 92,568

First American International Bank CDBA 0 0 285,178 12,969 116,357 0 2,401 654 0 416,715

First Bank of Linden 2,148 8,398 5,333 0 4,410 569 6,150 4,185 643 31,836

First Choice Bank 91,423 0 102,033 16,596 279,516 0 73,665 0 0 561,920

First Eagle Bank CDBA 60,006 0 75,959 37,668 87,117 0 2,794 196 45,704 308,392

First Independence Bank CDBA 0 0 40,894 8,379 29,246 0 39,764 277 10,463 128,911

First Security Bank CDBA 47,322 15,451 99,234 262 62,383 4,853 17,431 17,943 2,823 267,589

First Southwest Bank CDBA 21,251 26,704 32,506 3,812 52,765 19,431 12,436 2,091 1,125 171,882

First State Bank 197 429 6,578 0 16,323 0 2,126 2,529 273 28,455

Florida Parishes Bank 33,300 547 49,916 3,749 38,237 0 9,393 7,467 104 142,224

FNB Oxford Bank 15,208 3,612 53,200 3,439 44,810 0 9,771 4,853 2,051 136,944

Loan Mix (All CDBA Members and Non-Members)



Institution Name CLD FARM 1-4FAM MULTI NFNR APL C&I CL OTHER TOTAL

($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000) ($000)

Loan Mix (All CDBA Members and Non-Members)

Gateway Bank, F.S.B. CDBA 0 0 87,720 13,880 12,192 0 322 10 77 114,201

Golden Bank, N.A. 26,009 0 41,339 14,197 291,309 0 19,522 621 4,003 396,079

Guaranty Bank and Trust Company CDBA 19,017 24,767 91,618 14,810 124,494 29,329 70,506 12,377 5,776 391,985

Holmes County Bank & Trust Company 2,031 1,715 10,220 0 3,280 5,344 18,007 5,770 4 46,371

Homeland Federal Savings Bank 2,332 5,789 47,079 192 27,762 1,181 15,560 24,971 1,043 125,720

Illinois-Service Federal S&LA CDBA 773 0 30,745 6,945 10,490 0 569 414 0 49,936

Industrial Bank CDBA 22,760 0 103,682 19,579 94,221 0 23,849 1,148 149 264,132

International Bank of Chicago CDBA 13,706 1,111 52,716 33,890 178,507 0 18,350 6,451 94 304,825

Liberty Bank and Trust Company 5,890 0 139,959 14,302 85,994 0 27,995 35,552 0 309,692

Magnolia State Bank 37,949 2,876 87,993 3,812 71,220 1,590 23,612 16,562 1,772 247,386

Mechanics & Farmers Bank CDBA 9,924 0 23,344 2,955 123,010 0 7,652 1,259 4,553 172,697

Mechanics Bank 8,325 3,640 54,809 3,126 21,955 2,248 26,266 7,982 90 128,441

Merchants and Planters Bank CDBA 2,919 1,439 8,264 322 8,641 15 3,395 1,288 1 26,284

Metro Bank CDBA 271 0 1,580 291 7,922 0 3,175 39 0 13,228

Mission Valley Bank CDBA 1,289 0 8,785 23,758 100,163 0 58,286 670 523 193,474

Mitchell Bank 259 0 9,610 501 9,776 0 4,254 117 4 24,521

Native American Bank, N.A. CDBA 8 0 1,770 0 8,571 324 36,420 1,380 0 48,323

Neighborhood National Bank CDBA 0 0 6,216 4,347 18,545 0 3,861 59 119 33,147

Noah Bank CDBA 5,603 0 0 0 186,599 0 62,040 326 0 254,568

North Milwaukee State Bank 181 0 9,075 1,725 35,954 0 1,965 933 0 49,833

Northern Hancock Bank & Trust Co. 0 53 11,719 144 3,377 0 1,343 2,886 436 19,958

OneUnited Bank CDBA 2,817 0 36,575 376,714 13,099 0 277 1,099 0 430,581

Oxford University Bank CDBA 8,830 1,270 34,880 4,001 21,813 0 8,650 2,807 157 82,408

Pacific Global Bank 3,302 0 91,708 9,492 15,310 0 519 5 12 119,518

Pan American Bank (CA) 0 0 15,106 587 4,243 0 9,659 667 0 30,081

Pan American Bank (IL) CDBA 4,138 0 73,174 41,504 49,206 0 29,063 1,331 6,018 204,434

Peoples Bank CDBA 30,838 35,224 43,689 2,369 40,062 3,902 27,755 15,417 906 200,137

PriorityOne Bank 67,792 29,078 109,999 12,801 130,062 490 35,681 27,297 863 414,063

ProAmerica Bank 3,992 0 3,331 3,326 97,971 0 16,091 0 1,396 126,107

Richland State Bank 14,583 14,685 36,089 3,303 31,703 12,341 44,396 5,973 237 163,310

Richton Bank & Trust Company 0 5,086 10,497 0 1,952 18 4,555 2,358 1,222 25,688

RiverHills Bank CDBA 17,686 12,505 51,277 4,786 56,637 1,692 26,049 5,021 1,177 176,830

Savoy Bank 435 0 17,683 20,006 54,875 0 16,990 0 734 110,525

Seaway Bank and Trust Company 11,311 0 102,730 10,664 112,290 0 20,308 2,273 0 259,576

Security Federal Bank CDBA 46,017 535 129,163 15,039 127,473 20 8,762 12,968 0 339,977

Security State Bank of Wewoka, OK 3,771 11,793 29,656 0 8,981 10,137 16,568 21,289 25,640 127,834

South Carolina Community Bank 1,325 0 9,451 1,538 26,484 0 1,619 530 0 40,947

Southern Bancorp Bank CDBA 53,857 60,782 223,995 26,648 202,519 45,578 108,306 38,435 6,851 766,971

Spring Bank CDBA 4,903 0 11,878 11,506 38,400 0 24,000 51 0 89,772

Start Community Bank CDBA 0 0 30,793 4,222 22,039 0 6,457 2,366 0 65,877

State Bank & Trust Company CDBA 75,524 71,457 187,459 27,057 294,745 18,567 53,342 16,367 6,115 750,633

Sunrise Banks, N.A. CDBA 17,362 0 84,395 32,696 232,000 0 67,311 858 19,752 454,374

Sycamore Bank 10,276 8,294 44,184 6,503 33,592 2,494 9,707 7,781 101 122,932

The Bank of Vernon CDBA 2,811 12,820 20,078 2,254 37,011 425 19,688 3,844 956 99,568

The Citizens National Bank of Meridian CDBA 47,321 2,803 245,644 21,966 301,105 521 104,583 28,486 648 753,077

The Commercial Bank CDBA 1,944 9,048 20,923 1,140 16,197 159 8,960 16,437 468 74,241

The First, A National Banking Association CDBA 93,168 9,770 227,306 19,425 242,969 0 110,806 14,859 143 718,016

The Harbor Bank of Maryland 5,268 0 30,291 10,669 73,932 636 29,388 1,965 958 152,834

The Jefferson Bank 703 17,928 965 0 3,366 15,441 16,236 810 16 55,465

Tri-State Bank of Memphis 0 0 11,710 152 47,263 0 7,399 6,968 2,571 76,063

United Bank CDBA 18,335 31,746 61,967 3,531 76,255 33,221 20,710 16,140 4,314 266,217

United Bank of Philadelphia CDBA 3,291 0 9,172 467 22,470 0 6,681 1,317 0 43,398

United Mississippi Bank 13,073 39,868 63,254 1,914 84,696 1,467 29,331 14,974 1,449 250,025

Urban Partnership Bank CDBA 7,224 0 150,233 130,016 149,033 0 84,852 412 938 522,708

West Alabama Bank & Trust 21,914 54,898 65,795 1,788 96,573 2,794 40,383 10,308 3,583 298,036

CLD: Construction & Land Development Loans, FARM: Farmland Loans, 1-4FAM: 1-4 Family Residential Loans, MULTI: Multifamily Loans, NFNR: Non Farm Non Residential

Loans (CRE), APL: Agricultural Production Loans, C&I: Commercial & Industrial Loans, CL: Consumer Loans, OTHER: Total Other Loans & Leases, TOTAL: Total Loans & Leases



Institution Name

Number # Amount $000 Number # Amount $000 Number # Amount $000

ABC Bank CDBA 64 3,334 98 14,969 143 108,034

Albina Community Bank CDBA 8 369 29 4,462 54 26,366

American Metro Bank 11 750 19 2,685 24 11,999

American Plus Bank, N.A. 8 567 20 3,128 59 34,921

Amory Federal S&LA 5 182 4 333 0 0

Bank 2 CDBA 8 302 13 1,687 29 10,934

Bank of Anguilla CDBA 39 1,163 6 644 11 3,887

Bank of Cherokee County 41 1,229 30 3,529 29 8,257

Bank of Commerce 74 3,209 51 6,918 44 15,666

Bank of Kilmichael CDBA 0 0 0 0 0 0

Bank of Lake Village 14 280 3 528 1 443

Bank of Montgomery CDBA 53 1,572 63 7,731 46 18,744

Bank of Okolona 46 1,165 10 1,083 5 1,318

Bank of Winona 0 0 0 0 0 0

Bank of York 33 1,114 14 1,802 13 5,773

BankFirst Financial Services CDBA 139 5,783 121 15,021 144 60,318

BankPlus CDBA 242 10,420 274 36,390 291 126,176

Beneficial State Bank CDBA 12 265 22 3,321 56 31,648

BNA Bank 140 6,882 58 12,782 44 27,641

Broadway Federal Bank, f.s.b. CDBA 4 127 23 3,114 81 34,601

Caldwell Bank & Trust Company 30 1,019 16 2,365 15 5,653

Carver Federal Savings Bank CDBA 2 104 7 1,234 72 36,398

Carver State Bank CDBA 18 718 13 1,332 12 5,040

CBMI: Community Bank CDBA 107 3,818 112 13,408 107 39,614

CBMI: Community Bank of Mississippi CDBA 70 3,174 121 14,103 140 49,817

CBMI: Community Bank, Coast CDBA 92 4,540 161 22,798 237 95,292

CBMI: Community Bank, North Mississippi CDBA 87 3,533 95 11,263 76 26,967

CBW Bank 8 169 1 97 1 292

Central Bank of Kansas City CDBA 113 5,104 63 6,926 41 14,523

Citizens Bank 0 0 0 0 0 0

Citizens Bank 110 4,344 76 17,703 56 17,703

Citizens Progressive Bank 91 2,645 23 3,060 19 6,598

Citizens Savings Bank and Trust Company 24 7,054 14 1,734 53 26,451

Citizens Trust Bank 25 881 54 7,214 55 19,757

City First Bank of D.C., N.A. CDBA 2 131 10 1,610 27 13,341

City National Bank of New Jersey CDBA 10 414 39 4,122 67 27,137

Colfax Banking Company 50 1,447 24 3,194 9 2,640

Commercial Capital Bank 25 766 7 662 3 1,097

Community Bank of the Bay CDBA 0 0 13 2,338 39 20,102

Community Capital Bank of Virginia CDBA 4 105 10 931 6 2,802

Community Commerce Bank 35 1,782 96 14,221 109 47,987

Concordia Bank & Trust Company 108 4,393 101 13,934 67 25,017

Cottonport Bank 105 2,710 43 6,433 36 18,278

Cross Keys Bank 51 1,904 48 4,771 30 10,760

Delta Bank 74 1,962 36 4,268 32 9,984

Farmers and Merchants Bank CDBA 0 0 0 0 0 0

FBT Bank & Mortgage 52 1,593 16 2,119 3 1,355

Finance and Thrift Company CDBA 0 0 2 76 0 0

First American International Bank CDBA 14 855 58 7,522 151 57,534

First Bank of Linden 13 428 6 848 2 691

First Choice Bank 1 2 10 1,133 76 32,074

First Eagle Bank CDBA 12 364 25 3,659 69 32,512

First Independence Bank CDBA 3 250 9 893 29 13,455

First Security Bank CDBA 82 3,303 70 8,375 65 24,580

First Southwest Bank CDBA 26 898 63 8,016 55 19,039

First State Bank 111 3,672 15 1,905 5 2,202

Florida Parishes Bank 37 1,716 45 6,066 55 22,334

FNB Oxford Bank 31 1,145 25 3,152 44 18,609

$100,000 or Less $100,000-$250,000 $250,000-$1,000,000

Small Business Loans Loans Secured by Nonfarm Nonresidential



Institution Name


$100,000 or Less $100,000-$250,000 $250,000-$1,000,000

Small Business Loans Loans Secured by Nonfarm Nonresidential

Gateway Bank, F.S.B. CDBA 0 0 0 0 8 5,616

Golden Bank, N.A. 10 743 46 6,251 156 76,357

Guaranty Bank and Trust Company CDBA 237 8,183 151 18,444 123 44,119

Holmes County Bank & Trust Company 30 740 7 651 5 1,889

Homeland Federal Savings Bank 211 5,553 47 5,309 24 10,169

Illinois-Service Federal S&LA CDBA 13 638 25 3,442 16 6,410

Industrial Bank CDBA 13 521 32 4,904 69 25,971

International Bank of Chicago CDBA 15 651 53 7,407 125 55,825

Liberty Bank and Trust Company 78 3,425 77 10,592 55 22,408

Magnolia State Bank 72 3,186 62 8,295 71 27,412

Mechanics & Farmers Bank CDBA 58 2,479 46 5,741 89 38,750

Mechanics Bank 112 3,953 35 4,506 28 9,473

Merchants and Planters Bank CDBA 13 480 14 1,869 15 4,690

Metro Bank CDBA 7 282 15 1,580 12 5,016

Mission Valley Bank CDBA 2 63 23 2,320 67 30,399

Mitchell Bank 6 172 17 2,201 17 5,924

Native American Bank, N.A. CDBA 2 37 6 701 7 2,366

Neighborhood National Bank CDBA 3 99 10 1,236 21 6,518

Noah Bank CDBA 3 209 24 2,845 154 54,235

North Milwaukee State Bank 35 1,352 31 4,081 57 18,469

Northern Hancock Bank & Trust Co. 0 0 0 0 0 0

OneUnited Bank CDBA 1 80 3 294 13 5,532

Oxford University Bank CDBA 53 1,721 23 3,080 22 9,937

Pacific Global Bank 10 412 22 2,954 28 8,859

Pan American Bank (CA) 1 80 5 808 6 3,355

Pan American Bank (IL) CDBA 10 534 22 3,363 44 20,307

Peoples Bank CDBA 141 4,291 51 6,085 60 20,211

PriorityOne Bank 123 4,040 99 13,510 135 56,093

ProAmerica Bank 0 0 10 1,482 46 18,897

Richland State Bank 88 2,792 52 6,649 27 10,339

Richton Bank & Trust Company 10 251 3 326 1 541

RiverHills Bank CDBA 120 5,324 60 10,057 52 41,256

Savoy Bank 0 0 8 831 27 14,232

Seaway Bank and Trust Company 87 4,498 144 14,655 113 38,013

Security Federal Bank CDBA 92 3,658 97 11,592 96 35,838

Security State Bank of Wewoka, OK 46 1,372 21 2,592 8 3,939

South Carolina Community Bank 36 1,444 56 7,702 45 15,948

Southern Bancorp Bank CDBA 307 11,363 226 27,635 181 67,887

Spring Bank CDBA 2 94 1 249 28 15,237

Start Community Bank CDBA 12 1,061 37 6,051 34 13,726

State Bank & Trust Company CDBA 184 7,773 225 27,527 262 106,754

Sunrise Banks, N.A. CDBA 51 2,636 104 13,906 171 68,733

Sycamore Bank 18 806 29 4,299 17 8,239

The Bank of Vernon CDBA 42 1,725 39 5,072 53 30,213

The Citizens National Bank of Meridian CDBA 87 3,238 103 12,303 188 75,335

The Commercial Bank CDBA 41 1,644 31 3,793 21 9,337

The First, A National Banking Association CDBA 123 6,007 196 25,866 231 87,038

The Harbor Bank of Maryland 17 669 38 4,919 71 30,031

The Jefferson Bank 0 0 3 607 2 754

Tri-State Bank of Memphis 31 1,297 30 3,273 44 16,185

United Bank CDBA 96 4,280 85 11,240 78 31,873

United Bank of Philadelphia CDBA 24 1,060 25 3,342 41 14,687

United Mississippi Bank 91 3,459 77 9,688 67 27,022

Urban Partnership Bank CDBA 70 2,408 122 13,230 140 41,732

West Alabama Bank & Trust 165 6,086 105 12,760 81 33,674



Institution Name


ABC Bank CDBA 98 711 12 1,486 13 2,522

Albina Community Bank CDBA 183 4,771 30 4,449 26 13,050

American Metro Bank 2 58 6 608 5 1,358

American Plus Bank, N.A. 38 1,766 9 1,580 4 2,650


Bank 2 CDBA 33 720 10 1,093 4 1,237

Bank of Anguilla CDBA 153 3,175 9 1,108 8 2,062

Bank of Cherokee County 59 1,178 9 917 4 1,309

Bank of Commerce 375 9,078 44 4,844 19 6,785


Bank of Lake Village 56 1,234 8 480 9 2,182

Bank of Montgomery CDBA 262 4,335 23 2,670 12 3,195

Bank of Okolona 649 1,023 73 8,468 33 12,767


Bank of York 58 903 17 1,710 8 2,438


BankPlus CDBA 2,174 38,474 215 23,827 110 36,599

Beneficial State Bank CDBA 96 2,254 46 8,357 40 21,147

BNA Bank 108 1,743 27 1,333 11 2,644

Broadway Federal Bank, f.s.b. CDBA 2 88 0 0 1 150


Carver Federal Savings Bank CDBA 36 719 41 3,565 56 16,118

Carver State Bank CDBA 37 724 9 985 6 1,860



CBMI: Community Bank, Coast CDBA 395 8,506 57 5,828 31 9,018

CBMI: Community Bank, North Mississippi CDBA 400 6,411 34 2,943 15 4,648

CBW Bank 6 137 3 275 0 0

Central Bank of Kansas City CDBA 28 1,151 21 2,022 12 3,657


Citizens Bank 684 11,567 44 4,270 43 11,998

Citizens Progressive Bank 165 3,629 27 3,135 11 4,183

Citizens Savings Bank and Trust Company 42 2,450 2 314 2 585

Citizens Trust Bank 29 724 2 296 6 3,485

City First Bank of D.C., N.A. CDBA 6 184 3 387 14 4,793

City National Bank of New Jersey CDBA 24 847 18 1,847 18 7,754

Colfax Banking Company 17 347 1 74 5 2,452

Commercial Capital Bank 74 987 18 1,576 10 1,857

Community Bank of the Bay CDBA 29 1,158 77 9,887 77 22,003

Community Capital Bank of Virginia CDBA 2 58 1 42 1 700

Community Commerce Bank 0 0 0 0 0 0


Cottonport Bank 295 5,787 22 3,270 15 8,704

Cross Keys Bank 263 5,224 38 3,570 31 10,836

Delta Bank 328 5,412 22 2,633 25 7,453




First American International Bank CDBA 1 18 1 198 3 1,059

First Bank of Linden 26 1,080 12 1,480 10 2,237

First Choice Bank 18 824 37 4,005 47 13,604

First Eagle Bank CDBA 28 806 12 1,065 6 923

First Independence Bank CDBA 183 4,634 140 12,841 49 13,323


First Southwest Bank CDBA 106 3,003 33 3,238 11 4,541

First State Bank 29 728 6 854 3 543

Florida Parishes Bank 226 4,938 23 2,930 4 1,509

FNB Oxford Bank 150 2,575 35 2,536 15 3,139

Small Business Loans Commercial and Industrial Loans$100,000 or Less $100,000-$250,000 $250,000-$1,000,000



Institution Name


Small Business Loans Commercial and Industrial Loans$100,000 or Less $100,000-$250,000 $250,000-$1,000,000

Gateway Bank, F.S.B. CDBA 0 0 2 322 0 0

Golden Bank, N.A. 24 879 20 2,590 34 11,545

Guaranty Bank and Trust Company CDBA 1,098 16,423 105 10,151 88 23,781

Holmes County Bank & Trust Company 209 3,472 38 4,494 18 6,440

Homeland Federal Savings Bank 128 2,951 43 5,219 27 7,389

Illinois-Service Federal S&LA CDBA 11 314 2 255 0 0

Industrial Bank CDBA 32 2,041 15 2,541 14 7,580

International Bank of Chicago CDBA 42 1,135 18 1,776 25 7,727

Liberty Bank and Trust Company 177 5,677 83 7,116 34 10,414

Magnolia State Bank 159 3,560 37 3,878 17 6,854

Mechanics & Farmers Bank CDBA 42 325 7 717 1 300

Mechanics Bank 545 7,800 40 4,074 24 9,371

Merchants and Planters Bank CDBA 62 1,302 14 1,416 2 677

Metro Bank CDBA 0 0 2 117 5 3,058

Mission Valley Bank CDBA 315 6,684 80 6,261 96 21,595

Mitchell Bank 22 814 9 1,320 8 2,120

Native American Bank, N.A. CDBA 7 132 6 599 9 2,627

Neighborhood National Bank CDBA 18 261 12 757 22 2,843

Noah Bank CDBA 41 1,145 94 5,393 148 28,558

North Milwaukee State Bank 14 155 7 624 2 1,050


OneUnited Bank CDBA 0 0 3 245 1 32

Oxford University Bank CDBA 134 2,933 8 824 11 4,886

Pacific Global Bank 9 220 0 0 1 299

Pan American Bank (CA) 5 243 9 1,319 15 7,496

Pan American Bank (IL) CDBA 68 2,139 34 5,200 32 11,885


PriorityOne Bank 668 11,981 57 6,212 23 5,582

ProAmerica Bank 15 506 26 2,442 29 7,579


Richton Bank & Trust Company 42 895 13 1,328 10 2,332


Savoy Bank 16 751 15 2,081 13 5,517

Seaway Bank and Trust Company 199 2,238 65 1,880 49 6,354

Security Federal Bank CDBA 155 2,541 21 1,643 17 4,578


South Carolina Community Bank 37 903 5 283 1 432


Spring Bank CDBA 1 1 7 658 14 6,498

Start Community Bank CDBA 27 1,353 20 2,394 12 2,710


Sunrise Banks, N.A. CDBA 251 6,424 126 10,865 90 23,098

Sycamore Bank 111 2,704 13 1,186 12 4,472


The Citizens National Bank of Meridian CDBA 500 12,499 83 9,433 72 25,818

The Commercial Bank CDBA 17 612 8 855 12 3,792

The First, A National Banking Association CDBA 566 13,575 108 11,682 93 31,110

The Harbor Bank of Maryland 14 511 23 1,832 29 9,190

The Jefferson Bank 133 2,763 30 3,110 23 10,362

Tri-State Bank of Memphis 33 1,020 20 2,744 9 2,516

United Bank CDBA 364 6,864 40 3,700 23 5,259

United Bank of Philadelphia CDBA 24 934 13 1,714 19 3,560


Urban Partnership Bank CDBA 139 5,878 76 8,147 84 20,605




Institution Name


ABC Bank CDBA 0 0 0 0 0 0

Albina Community Bank CDBA 0 0 1 143 0 0

American Metro Bank 0 0 0 0 0 0

American Plus Bank, N.A. 0 0 0 0 0 0


Bank 2 CDBA 3 135 2 231 0 0

Bank of Anguilla CDBA 5 126 6 834 8 2,602

Bank of Cherokee County 6 277 3 428 2 457

Bank of Commerce 24 957 20 3,063 16 5,456


Bank of Lake Village 11 246 10 1,020 8 1,760

Bank of Montgomery CDBA 23 667 14 1,426 3 966

Bank of Okolona 38 1,506 21 2,974 4 1,180


Bank of York 2 26 7 858 2 631


BankPlus CDBA 369 13,190 126 16,792 50 13,410

Beneficial State Bank CDBA 0 0 3 480 0 0

BNA Bank 0 0 0 0 0 0



Carver Federal Savings Bank CDBA 0 0 0 0 0 0

Carver State Bank CDBA 0 0 0 0 0 0



CBMI: Community Bank, Coast CDBA 26 745 10 1,060 3 699

CBMI: Community Bank, North Mississippi CDBA 28 795 10 1,042 7 775

CBW Bank 2 92 1 28 0 0

Central Bank of Kansas City CDBA 2 105 2 111 3 822


Citizens Bank 376 12,410 71 10,225 21 5,187

Citizens Progressive Bank 38 1,124 7 740 8 2,709

Citizens Savings Bank and Trust Company 0 0 0 0 0 0

Citizens Trust Bank 0 0 0 0 0 0

City First Bank of D.C., N.A. CDBA 0 0 0 0 0 0

City National Bank of New Jersey CDBA 0 0 0 0 0 0

Colfax Banking Company 0 0 0 0 0 0

Commercial Capital Bank 43 1,033 18 2,282 7 2,112

Community Bank of the Bay CDBA 0 0 2 358 0 0




Cottonport Bank 55 1,499 9 1,221 6 2,222

Cross Keys Bank 23 969 8 722 6 1,675

Delta Bank 135 4,185 41 5,199 20 4,952




First American International Bank CDBA 0 0 0 0 0 0

First Bank of Linden 16 625 12 1,079 1 130

First Choice Bank 0 0 0 0 0 0

First Eagle Bank CDBA 0 0 0 0 0 0

First Independence Bank CDBA 0 0 0 0 0 0

First Security Bank CDBA 23 587 20 2,641 6 1,322



Florida Parishes Bank 3 193 0 0 1 352

FNB Oxford Bank 35 1,192 9 1,107 3 794

Small Business Loans Loans Secured by Farmland$100,000 or Less $100,000-$250,000 $250,000-$500,000



Institution Name


Small Business Loans Loans Secured by Farmland$100,000 or Less $100,000-$250,000 $250,000-$500,000


Golden Bank, N.A. 0 0 0 0 0 0


Holmes County Bank & Trust Company 8 214 3 319 2 453

Homeland Federal Savings Bank 115 3,045 13 1,701 2 490


Industrial Bank CDBA 0 0 0 0 0 0

International Bank of Chicago CDBA 0 0 1 121 0 0

Liberty Bank and Trust Company 0 0 0 0 0 0

Magnolia State Bank 27 1,049 7 942 2 448


Mechanics Bank 27 722 10 1,262 3 1,197

Merchants and Planters Bank CDBA 9 222 3 234 0 0

Metro Bank CDBA 0 0 0 0 0 0

Mission Valley Bank CDBA 0 0 0 0 0 0

Mitchell Bank 0 0 0 0 0 0

Native American Bank, N.A. CDBA 0 0 0 0 0 0

Neighborhood National Bank CDBA 0 0 0 0 0 0

Noah Bank CDBA 0 0 0 0 0 0

North Milwaukee State Bank 0 0 0 0 0 0



Oxford University Bank CDBA 7 354 2 225 1 264


Pan American Bank (CA) 0 0 0 0 0 0

Pan American Bank (IL) CDBA 0 0 0 0 0 0


PriorityOne Bank 54 1,584 9 953 8 1,905

ProAmerica Bank 0 0 0 0 0 0


Richton Bank & Trust Company 80 1,441 0 0 1 302


Savoy Bank 0 0 0 0 0 0

Seaway Bank and Trust Company 0 0 0 0 0 0

Security Federal Bank CDBA 4 167 3 367 0 0




Spring Bank CDBA 0 0 0 0 0 0

Start Community Bank CDBA 0 0 0 0 0 0


Sunrise Banks, N.A. CDBA 0 0 0 0 0 0

Sycamore Bank 38 1,544 14 1,754 3 995


The Citizens National Bank of Meridian CDBA 8 262 9 690 2 543

The Commercial Bank CDBA 73 2,388 20 2,690 9 2,503

The First, A National Banking Association CDBA 14 292 11 1,156 5 1,040

The Harbor Bank of Maryland 0 0 0 0 0 0

The Jefferson Bank 6 209 6 897 7 1,929

Tri-State Bank of Memphis 0 0 0 0 0 0

United Bank CDBA 104 4,376 56 7,953 28 8,687

United Bank of Philadelphia CDBA 0 0 0 0 0 0


Urban Partnership Bank CDBA 0 0 0 0 0 0




Institution Name


ABC Bank CDBA 0 0 0 0 0 0

Albina Community Bank CDBA 0 0 0 0 0 0

American Metro Bank 0 0 0 0 0 0

American Plus Bank, N.A. 0 0 0 0 0 0


Bank 2 CDBA 0 0 0 0 0 0

Bank of Anguilla CDBA 103 2,676 24 2,099 25 4,511

Bank of Cherokee County 65 742 2 182 0 0

Bank of Commerce 88 2,391 30 3,160 15 2,858


Bank of Lake Village 53 1,326 24 1,951 21 1,683

Bank of Montgomery CDBA 14 436 6 445 7 1,436

Bank of Okolona 168 187 36 2,596 17 3,161


Bank of York 18 292 2 236 0 0


BankPlus CDBA 396 8,024 56 6,507 23 3,572

Beneficial State Bank CDBA 0 0 0 0 0 0

BNA Bank 0 0 0 0 0 0



Carver Federal Savings Bank CDBA 0 0 0 0 0 0

Carver State Bank CDBA 0 0 1 173 0 0

CBMI: Community Bank CDBA 3 22 1 107 0 0

CBMI: Community Bank of Mississippi CDBA 6 52 2 61 0 0

CBMI: Community Bank, Coast CDBA 1 25 0 0 0 0

CBMI: Community Bank, North Mississippi CDBA 6 142 1 88 0 0

CBW Bank 6 124 0 0 0 0

Central Bank of Kansas City CDBA 0 0 0 0 0 0


Citizens Bank 164 2,522 4 356 0 0

Citizens Progressive Bank 11 244 16 612 9 1,364

Citizens Savings Bank and Trust Company 0 0 0 0 0 0

Citizens Trust Bank 0 0 0 0 0 0

City First Bank of D.C., N.A. CDBA 0 0 0 0 0 0

City National Bank of New Jersey CDBA 0 0 0 0 0 0

Colfax Banking Company 0 0 0 0 0 0

Commercial Capital Bank 107 2,389 25 2,696 21 3,414

Community Bank of the Bay CDBA 0 0 0 0 0 0



Concordia Bank & Trust Company 67 1,471 6 557 4 277

Cottonport Bank 77 1,693 14 2,070 6 1,845

Cross Keys Bank 19 280 8 718 12 1,235

Delta Bank 119 2,335 30 2,853 35 4,325


FBT Bank & Mortgage 0 0 0 0 0 0


First American International Bank CDBA 0 0 0 0 0 0

First Bank of Linden 0 0 0 0 2 569

First Choice Bank 0 0 0 0 0 0

First Eagle Bank CDBA 0 0 0 0 0 0

First Independence Bank CDBA 0 0 0 0 0 0




Florida Parishes Bank 0 0 0 0 0 0

FNB Oxford Bank 0 0 0 0 0 0

Small Business Loans Loans to Finance Agricultural Production & Other Loans to Farmers$100,000 or Less $100,000-$250,000 $250,000-$500,000



Institution Name


Small Business Loans Loans to Finance Agricultural Production & Other Loans to Farmers$100,000 or Less $100,000-$250,000 $250,000-$500,000


Golden Bank, N.A. 0 0 0 0 0 0


Holmes County Bank & Trust Company 42 718 14 1,400 3 607

Homeland Federal Savings Bank 11 332 7 634 1 215


Industrial Bank CDBA 0 0 0 0 0 0

International Bank of Chicago CDBA 0 0 0 0 0 0

Liberty Bank and Trust Company 0 0 0 0 0 0

Magnolia State Bank 11 423 4 553 0 0


Mechanics Bank 13 199 2 221 8 1,691

Merchants and Planters Bank CDBA 1 15 0 0 0 0

Metro Bank CDBA 0 0 0 0 0 0

Mission Valley Bank CDBA 0 0 0 0 0 0

Mitchell Bank 0 0 0 0 0 0

Native American Bank, N.A. CDBA 0 0 0 0 0 0

Neighborhood National Bank CDBA 0 0 0 0 0 0

Noah Bank CDBA 0 0 0 0 0 0

North Milwaukee State Bank 0 0 0 0 0 0



Oxford University Bank CDBA 0 0 0 0 0 0


Pan American Bank (CA) 0 0 0 0 0 0

Pan American Bank (IL) CDBA 0 0 0 0 0 0

Peoples Bank CDBA 188 2,846 8 853 2 80

PriorityOne Bank 25 350 2 139 0 0

ProAmerica Bank 0 0 0 0 0 0

Richland State Bank 35 342 34 2,123 19 2,370

Richton Bank & Trust Company 1 18 0 0 0 0

RiverHills Bank CDBA 27 608 5 740 1 344

Savoy Bank 0 0 0 0 0 0

Seaway Bank and Trust Company 0 0 0 0 0 0

Security Federal Bank CDBA 1 20 0 0 0 0




Spring Bank CDBA 0 0 0 0 0 0

Start Community Bank CDBA 0 0 0 0 0 0


Sunrise Banks, N.A. CDBA 0 0 0 0 0 0

Sycamore Bank 80 876 7 1,021 2 481

The Bank of Vernon CDBA 20 397 1 28 0 0

The Citizens National Bank of Meridian CDBA 20 155 3 253 0 0

The Commercial Bank CDBA 13 159 0 0 0 0

The First, A National Banking Association CDBA 0 0 0 0 0 0

The Harbor Bank of Maryland 0 0 0 0 1 273

The Jefferson Bank 15 387 10 840 22 2,462

Tri-State Bank of Memphis 0 0 0 0 0 0

United Bank CDBA 203 5,018 64 6,601 38 7,916

United Bank of Philadelphia CDBA 0 0 0 0 0 0

United Mississippi Bank 19 437 7 811 2 218

Urban Partnership Bank CDBA 0 0 0 0 0 0

West Alabama Bank & Trust 33 589 5 379 2 236


cdba cbps 2015q1

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