HOME MORTGAGE DISCLOSURE ACT

JUNE 30, 2017

Report to the Treasurer of the City of St. Louis

Prepared by:

1
Table of Contents

Introduction
Report Description & Summary of Residential Lending Activity
City of St. Louis: Income Distribution
Community Reinvestment Act (CRA) Small Business Activity
Loan Applications
County Comparisons
City & Metropolitan Comparisons
City of St. Louis: 20 Year Loan History
City of St. Louis: Bank Performance Comparison
City of St. Louis: Loan Distribution
Maps – Loan Totals, Home Purchase Totals, Home Improvement Totals & Refinancing Totals
Individual Loan Bank Analysis
Bank of America
BMO Harris
Busey Bank
Commerce Bank
First Bank
First Financial Bank
Lindell Bank
Midwest BankCentre
PNC Bank
Regions Bank
Reliance Bank
Royal Banks
UMB Bank
US Bank
Loan Denials: City & MSA Totals
Loan Denials: County Totals
City of St. Louis: Loan Denial Distribution
Appendix A: Maps
Appendix B: Bank Rankings
Appendix C: City Totals Loan Amount & Number of Loans
Appendix D: Ordinance & Methodology & Terms

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Introduction

This document was prepared by the St. Louis Planning and Urban Design Agency in accordance with Section 8 of Municipal Ordinance 57332, amended by Municipal Ordinance 57500. This annual report
contains information about the residential lending activities of the banks that have applied to be City of St. Louis Depositors. All information provided in this report comes from these banks and the Federal
Financial Institutions Examination Council (FFIEC), which monitors institution compliance with the Federal Home Mortgage Disclosure Act and the Community Revitalization Act. This information has been
analyzed and presented to promote readability and comparison.

The intent of the ordinance is to encourage St. Louis lending institutions to continue their financial commitment to the revitalization of the City and its neighborhoods through mortgage and home
improvement loans to credit-worthy individuals. The approach used by the City of St. Louis is to place its funds in those institutions that show such commitments.

The ordinance requires the potential depository to submit the following information each year at the request of the Treasurer’s Office:

1. Copies of reports from the most recent reporting period compiled by the institution under the requirements of the Home Mortgage Disclosure Act of 1975 (HMDA).
2. Certification by a responsible officer that the institution has adopted and publicly posted the pledge of fair lending practices found in Section 6 of Municipal Ordinance 57332.

In addition to those terms required by the Ordinance, the City Treasurer requests that additional materials be submitted to enable a more thorough analysis of the lending institution’s activities. These
materials may include items such as newspaper advertisements, copies of office directives dealing with fair lending policies, and recent Community Reinvestment Statements.

The Federal Home Mortgage Disclosure Act of 1975 (HMDA)

The intent of this law is to make loan data available to the public, thereby allowing for determination of whether or not depository institutions are fulfilling their obligations to serve the housing needs of
their communities. Similarly, this data can be reviewed by public officials, allowing them to invest public sector funds in institutions that are making the most effort to encourage private investment in
neighborhoods.

The Disclosure Statements which the potential depository institutions are required to submit under the HMDA have been a useful tool in determining which institutions are the most involved in issuing
loans throughout the City’s residential areas. According to the HMDA rules, each year depository institutions are required to compile information concerning their residential mortgage loan performance
by geographic area.

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Report Description and Summary

Description

Bank analyses were based on raw information received from each institution and data obtained from the Federal Financial Institutions Examination Council (FFIEC) website. This report was produced by the Research
Department of the Planning & Urban Design Agency (PDA), City of St. Louis. PDA supports the Planning Commission in planning the future of the City of St. Louis. Considerable staff resources were involved in the writing,
data analysis, and mapping contained in this report. This report is on file at PDA and can be obtained by calling the Research Division at 314-657-3700.

Lending Summary: Summarizes the five-year lending patterns for each applicant bank. The summary depicts the number and dollar amount of each applicant’s loans within both the city
and the metropolitan statistical area (MSA). From this data, percentages for each year are calculated regarding the proportion of city loan activity to MSA loan
activity for each bank. In some instances, data was not available because a bank did not apply for City depositor status in a given year and historical data was not
available.

Historical Patterns: Provides a historical overview of an applicant’s lending activity based upon available data. The overview covers the years 1996 to 2016.

Maps: Visually displays where loans were made within the city. Each census tract is color-coded to show the number of loans and their dollar amount.

Distribution of Loans: Provides a geographic breakdown by loan type of each applicant’s residential loans. This includes a census tract summary of each type for loan originated.

Application & Denial: This report includes the number of applications and denials by bank, county, MSA, and tract-level for the City of St. Louis.

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Summary
Overview
This report summarizes the lending patterns of fourteen local banks that applied to be depositors of City funds. The summary includes only loan originations. There are three types:

 Home Purchases
 Home Improvements
 Refinancing

The summaries below illustrate the general activity of the banks in the City’s & Metro area market (for a full ranking of bank activity please refer to appendix B page 63). The tables displayed throughout this report
illustrate select counties in the St. Louis Metropolitan area. There are also tables comparing the City of St. Louis to the entire St. Louis Metropolitan area.

For the purposes of this report, the St. Louis Metropolitan area is comprised of the following Missouri counties:

 St. Louis City

 St. Louis County
 St. Charles County
 Jefferson County
 Franklin County

All charts, maps and data in this report refer to the year 2016, unless otherwise noted.

Number & Amount of City Loans

The 14 banks made a total of 1,422 loans in the City totaling $230,646,000. This represents a 7.1% increase in the number of loans and a 17.1% increase in the amount as compared to 2015.

 Home Purchases: 576 loans totaling $107,761,000. This represents a 6.8% decrease in the number of loans and a 2.6% increase in the amount as compared to 2015.
 Home Improvements: 167 loans totaling $9,416,000. This represents a 51.8% increase in the number of loans and a 12.8% increase in the amount as compared to 2015.
 Refinancing: 676 loans totaling $112,897,000. This represents a 13.2% increase in the number of loans and a 35.7% increase in the amount as compared to 2015.

Bank Rankings for the City of St. Louis

 US Bank issued the highest loans by amount, totaling $47,551,000. In the number of loans issued, US Bank ranked first, with 345.
 Busey Bank issued the second highest amount of loans, totaling $47,470,000. In the number of loans issued, Busey Bank ranked second, with 246.
 Bank of America issued the third highest amount of loans, totaling $37,705,000. In the number of loans issued, Bank of America ranked third, with 237.
 Of the nine lending institutions that originated 50 or more loans in the City of St. Louis in 2016, Royal Bank originated the highest percentage of city loans, both in number (31.3%) and amount (84.7%).

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Bank Rankings for Ratio of Applications to Loans Originated (City of St. Louis)
 Lindell Bank had the highest ratio of applications to loans originated, 97.9%.
 UMB Bank had the second highest ratio of applications to loans originated, 78.6%.
 Busey Bank had the third highest ratio of applications to loans originated, 74.5%.
 Royal Banks had the fourth highest ratio of applications to loans originated, 71.4%.
 First Bank had the fifth highest ratio of applications to loans originated, 70.5%.

Summary
 Overall mortgage lending activity increased in the City from 2015 to 2016: 17.1% in the total dollar amount of loans originated and 7.1% in total number.
 Home improvement and refinancing loans both increased in the total number of loans originated, although home purchase loans decreased. Home improvement loans had the largest increase by number
of loans (51.8% increase) and refinancing loans had the largest increase in amount (35.7% increase)
 Loan activity in the MSA increased by 40.4% in the number of loans originated and 60.3% in the amount, although this increase is likely a result of the underreporting of MSA loan data in 2015. Refinance
loans, which typically represent the majority of loans reported on the Loan Application Register, increased in every county by number of loans and dollar amount, although this is also likely a result of
underreporting of MSA data in 2015.
 The City of St. Louis represented 20.3% of loan denials (by number) in the MSA while representing only 11.5% of loan originations.

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 City of St. Louis – Income Distribution*
2016 FFIEC 2016 FFIEC
Est. Est.
Distresse Tract 2016 Est. 2010 Distresse Tract 2016 Est. 2010
MSA/MD MSA/MD
Tract d or Median Tract Tract Tract Tract Minority Owner 1- to 4- Tract d or Median Tract Tract Tract Tract Minority Owner 1- to 4-
Tract non- Tract non-
Income Under Family Median Median Popul- Minority Populati Occupied Family Income Under Family Median Median Popul- Minority Populati Occupied Family
Code MSA/MD Code MSA/MD
Level -served Income Family Family ation % -on Units Units Level -served Income Family Family ation % -on Units Units
Median Median
Tract % Income Income Tract % Income Income
Family Family
Income Income
1011 Middle No 87.04 $70,000 $60,928 $58,141 2,600 15.46 402 1,019 1,170 1074 Moderate No 57.66 $70,000 $40,362 $38,519 2,788 98.85 2,756 591 1,281
1012 Middle No 107.01 $70,000 $74,907 $71,483 3,100 11.97 371 1,227 1,383 1075 Low No 45.79 $70,000 $32,053 $30,588 2,711 98.89 2,681 568 1,224
1013 Middle No 99.29 $70,000 $69,503 $66,326 4,336 17.41 755 1,215 2,079 1076 Low No 42.51 $70,000 $29,757 $28,399 2,225 99.69 2,218 517 1,049
1014 Moderate No 67.1 $70,000 $46,970 $44,826 2,703 37.88 1,024 806 1,308 1081 Moderate No 61.57 $70,000 $43,099 $41,129 3,403 96.03 3,268 923 1,348
1015 Low No 45.32 $70,000 $31,724 $30,273 3,126 39.8 1,244 564 1,355 1082 Middle No 89.48 $70,000 $62,636 $59,773 2,698 96.4 2,601 658 1,131
1018 Low No 46.15 $70,000 $32,305 $30,833 3,092 40.17 1,242 555 1,436 1083 Moderate No 50.6 $70,000 $35,420 $33,802 2,267 94.66 2,146 591 1,087
1021 Moderate No 75.44 $70,000 $52,808 $50,395 2,780 11.69 325 571 1,493 1096 Moderate No 50.74 $70,000 $35,518 $33,899 3,316 99.52 3,300 733 1,795
1022 Upper No 135.98 $70,000 $95,186 $90,833 6,028 7.5 452 2,308 2,977 1097 Low No 36.57 $70,000 $25,599 $24,432 2,487 95.5 2,375 426 1,609
1023 Middle No 92.7 $70,000 $64,890 $61,923 1,846 10.4 192 635 842 1101 Low No 36.63 $70,000 $25,641 $24,474 2,984 98.86 2,950 594 1,454
1024 Moderate No 70.09 $70,000 $49,063 $46,821 2,478 18.12 449 593 1,000 1102 Low No 45.2 $70,000 $31,640 $30,199 2,654 98.53 2,615 423 1,380
1025 Middle No 97.54 $70,000 $68,278 $65,156 1,918 12.25 235 799 1,024 1103 Low No 48.96 $70,000 $34,272 $32,708 2,483 99.23 2,464 616 1,598
1031 Upper No 131.22 $70,000 $91,854 $87,656 3,299 13.76 454 932 1,410 1104 Moderate No 56.13 $70,000 $39,291 $37,500 2,539 98.62 2,504 507 1,374
1034 Upper No 136.07 $70,000 $95,249 $90,897 1,968 9.3 183 681 925 1105 Low No 35.18 $70,000 $24,626 $23,500 1,562 98.21 1,534 395 880
1036 Middle No 80.11 $70,000 $56,077 $53,512 1,329 12.49 166 474 535 1111 Low No 43.25 $70,000 $30,275 $28,895 1,556 97.11 1,511 301 660
1037 Middle No 97.73 $70,000 $68,411 $65,288 2,531 12.84 325 980 1,371 1112 Low No 33.13 $70,000 $23,191 $22,131 1,276 94.04 1,200 270 851
1038 Middle No 110.7 $70,000 $77,490 $73,951 3,819 9.61 367 1,402 1,825 1113 Low No 34.87 $70,000 $24,409 $23,295 1,554 99.16 1,541 188 856
1042 Middle No 93.02 $70,000 $65,114 $62,137 3,401 14.88 506 978 1,683 1114 Low No 37.11 $70,000 $25,977 $24,792 1,643 99.09 1,628 393 911
1045 Moderate No 71.03 $70,000 $49,721 $47,448 1,846 24.81 458 448 868 1115 Low No 46.47 $70,000 $32,529 $31,042 1,010 97.92 989 187 451
1051.98 Upper No 136.6 $70,000 $95,620 $91,250 3,463 31.3 1,084 760 729 1121 Middle No 92.08 $70,000 $64,456 $61,513 4,285 36.5 1,564 671 615
1052 Upper No 123.63 $70,000 $86,541 $82,589 2,675 64.37 1,722 507 626 1122 Moderate No 62.86 $70,000 $44,002 $41,991 1,586 96.97 1,538 289 826
1053 Low No 23.24 $70,000 $16,268 $15,526 2,203 94.05 2,072 325 578 1123 Low No 36.08 $70,000 $25,256 $24,103 2,415 98.92 2,389 434 1,097
1054 Low No 48.91 $70,000 $34,237 $32,672 2,507 92.58 2,321 208 767 1124 Upper No 141.21 $70,000 $98,847 $94,327 4,023 34.53 1,389 704 564
1055 Middle No 90.79 $70,000 $63,553 $60,651 2,922 97.33 2,844 595 1,201 1135 Middle No 80.85 $70,000 $56,595 $54,010 2,331 6.39 149 688 1,299
1061 Moderate No 50.16 $70,000 $35,112 $33,507 2,427 99.09 2,405 331 1,284 1141.01 Moderate No 79.68 $70,000 $55,776 $53,229 4,281 30.95 1,325 994 2,452
1062 Low No 32.8 $70,000 $22,960 $21,914 1,738 98.96 1,720 181 937 1141.02 Upper No 134.11 $70,000 $93,877 $89,583 4,128 7.61 314 1,095 1,991
1063 Low No 40.34 $70,000 $28,238 $26,949 1,966 99.34 1,953 395 1,224 1142 Middle No 91.55 $70,000 $64,085 $61,157 4,721 18.03 851 1,314 2,531
1064 Low No 43 $70,000 $30,100 $28,725 2,392 99.08 2,370 439 1,379 1143 Middle No 103.97 $70,000 $72,779 $69,453 5,485 12.82 703 1,922 2,710
1065 Low No 45.66 $70,000 $31,962 $30,500 3,267 96.85 3,164 481 1,351 1151 Moderate No 65.94 $70,000 $46,158 $44,052 4,287 28.2 1,209 1,041 1,566
1066 Low No 31.87 $70,000 $22,309 $21,292 1,783 99.44 1,773 452 1,191 1152 Low No 37.12 $70,000 $25,984 $24,799 3,149 54.68 1,722 634 1,072
1067 Low No 42.05 $70,000 $29,435 $28,092 3,515 99.2 3,487 689 1,879 1153 Moderate No 50.15 $70,000 $35,105 $33,500 4,958 50.83 2,520 1,321 2,203
1072 Low No 41.83 $70,000 $29,281 $27,946 1,342 98.51 1,322 143 681 1154 Moderate No 54.38 $70,000 $38,066 $36,330 3,122 33.02 1,031 836 1,364
1073 Moderate No 64.05 $70,000 $44,835 $42,788 4,983 99 4,933 1,403 2,376 1155 Moderate No 52.16 $70,000 $36,512 $34,844 5,625 64.6 3,634 959 2,508

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 2016 FFIEC 2016 FFIEC
Est. Est.
Distresse Tract 2016 Est. 2010 Distresse Tract 2016 Est. 2010
MSA/MD MSA/MD
Tract d or Median Tract Tract Tract Tract Minority Owner 1- to 4- Tract d or Median Tract Tract Tract Tract Minority Owner 1- to 4-
Tract non- Tract non-
Income Under Family Median Median Popul- Minority Populati Occupied Family Income Under Family Median Median Popul- Minority Populati Occupied Family
Code MSA/MD Code MSA/MD
Level -served Income Family Family ation % -on Units Units Level -served Income Family Family ation % -on Units Units
Median Median
Tract % Income Income Tract % Income Income
Family Family
Income Income
1156 Moderate No 56.7 $70,000 $39,690 $37,875 5,279 56.83 3,000 737 1,960 1231 Moderate No 56.03 $70,000 $39,221 $37,429 3,351 72.52 2,430 776 1,745
1157 Low No 45.84 $70,000 $32,088 $30,625 3,567 70.17 2,503 477 1,817 1232 Middle No 95.74 $70,000 $67,018 $63,958 2,298 41.56 955 536 1,114
1161 Low No 43.87 $70,000 $30,709 $29,308 3,274 57.27 1,875 784 1,696 1233 Moderate No 62.63 $70,000 $43,841 $41,842 2,586 35.81 926 612 1,649
1162 Moderate No 78.99 $70,000 $55,293 $52,765 4,325 37.53 1,623 1,154 2,301 1241 Moderate No 55.12 $70,000 $38,584 $36,821 4,644 80.81 3,753 786 2,480
1163.01 Moderate No 64.42 $70,000 $45,094 $43,036 2,999 37.18 1,115 619 1,499 1242 Low No 35.83 $70,000 $25,081 $23,940 3,201 74.88 2,397 552 1,831
1163.02 Low No 39.8 $70,000 $27,860 $26,591 3,007 78.18 2,351 331 1,175 1243 Moderate No 79.63 $70,000 $55,741 $53,194 3,131 36.98 1,158 796 1,978
1164 Low No 37.45 $70,000 $26,215 $25,021 4,891 77.98 3,814 657 2,372 1246 Low No 28.13 $70,000 $19,691 $18,792 1,845 71.71 1,323 284 906
1165 Moderate No 66.04 $70,000 $46,228 $44,114 3,844 59.65 2,293 892 2,086 1255 Middle No 119.25 $70,000 $83,475 $79,663 2,885 41.59 1,200 358 26
1171 Moderate No 77.12 $70,000 $53,984 $51,515 1,537 32.01 492 183 1,065 1256 Moderate No 68.79 $70,000 $48,153 $45,956 4,113 52.47 2,158 191 124
1172 Moderate No 66.99 $70,000 $46,893 $44,750 5,359 54 2,894 1,066 2,398 1257 Low No 14.69 $70,000 $10,283 $9,813 3,329 98.38 3,275 75 513
1174 Middle No 112.56 $70,000 $78,792 $75,189 4,235 44.91 1,902 912 1,952 1266 Low No 34.71 $70,000 $24,297 $23,188 3,543 82.13 2,910 344 1,038
1181 Moderate No 63.95 $70,000 $44,765 $42,721 1,324 74.77 990 180 713 1267 Low No 37.81 $70,000 $26,467 $25,263 1,258 78.38 986 179 800
1184 Unknown No 0 $70,000 $0 $0 1,159 38.74 449 0 22 1268 Middle No 88.37 $70,000 $61,859 $59,032 3,698 19.52 722 1,113 1,753
1186 Low No 47.27 $70,000 $33,089 $31,577 3,421 53.26 1,822 507 1,109 1269 Low No 48.65 $70,000 $34,055 $32,500 5,016 99.1 4,971 1,339 2,383
1191.01 Middle No 103.76 $70,000 $72,632 $69,310 2,584 50.15 1,296 462 441 1270 Low No 33.64 $70,000 $23,548 $22,476 2,470 85.99 2,124 295 617
1191.02 Middle No 111.69 $70,000 $78,183 $74,609 2,994 38.14 1,142 524 395 1271 Low No 47.6 $70,000 $33,320 $31,799 2,234 97.31 2,174 286 897
1192 Upper No 153.71 $70,000 $107,597 $102,679 1,703 64.18 1,093 469 717 1272 Middle No 87.73 $70,000 $61,411 $58,606 4,075 26.01 1,060 1,022 1,879
1193 Low No 42.1 $70,000 $29,470 $28,125 5,454 40.98 2,235 66 208 1273 Moderate No 73.54 $70,000 $51,478 $49,125 3,769 72.88 2,747 690 1,445
1202 Low No 43.41 $70,000 $30,387 $29,000 1,271 90.64 1,152 162 519 1274 Low No 22.31 $70,000 $15,617 $14,909 4,795 75.54 3,622 393 1,240
1211 Low No 37.24 $70,000 $26,068 $24,878 1,941 86.55 1,680 3 424 1275 Low No 36.47 $70,000 $25,529 $24,362 2,237 77.29 1,729 111 441
1212 Low No 21.87 $70,000 $15,309 $14,612 2,474 99.23 2,455 9 457 1276 Upper No 128.93 $70,000 $90,251 $86,125 3,239 26.46 857 450 1,585

*This data was obtained from the Summary 2016 FFIEC Census Report

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Community Reinvestment Act:
Small Business Loan Activity
Small Business Loan Activity
City of St. Louis Loan Amount Loan Amount Loan Amount
Total Loans < $100,000 $100,000 to $250,000 > $250,000
Loan Loan
Number Loan Amount Number Loan Amount Number Number
Amount Amount
Bank of 442 $11,921 426 $5,136 8 1,435 8 5,350
America
Commerce 158 $30,926 91 $2,526 28 $5,085 39 $23,315
Bank
First Bank 39 $8,377 15 $755 11 $1,999 8 $1,187
PNC Bank 201 $15,648 166 $2,936 17 $3,115 18 $9,597
US Bank 927 $20,583 897 $8,839 15 $2,582 15 $9,182
TOTAL 1767 $87,455 1,595 $20,192 79 $14,216 88 $48,631
Source: Community Reinvestment Act, 2015
*Loan Amount is represented in thousands
**CRA Disclosure: This table does not reflect all data for these institutions, and is not available for all institutions

Metro St. Louis Small Business Loan Activity

City of St. Louis St. Louis County St. Charles County Franklin County Jefferson County
Total Loans Total Loans Total Loans Total Loans Total Loans
Loan Loan Loan
Number Loan Amount Number Loan Amount Number Number Number
Amount Amount Amount
Bank of 442 $11,921 1,827 $48,165 514 $9,498 86 $1,228 244 $3,797
America
Commerce 158 $30,926 629 $103,491 115 $7,725 20 $7,354 88 $6,974
Bank
First Bank 39 $8,377 411 $31,490 28 $3,301 12 $1,083 9 $1,065
PNC Bank 201 $15,648 874 $71,941 224 $9,593 29 $2,122 104 $6,748
US Bank 927 $20,583 4,115 $84,493 1,421 $19,792 284 $5,151 629 $10,389
TOTAL 1,767 $87,455 7,856 $339,580 2,302 $49,909 431 $16,938 1,074 $28,973
Source: Community Reinvestment Act, 2015
*Loan Amount is represented in thousands

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Loan Applications
Loan Applications
St. Louis St. Charles Franklin
St. Louis City Jefferson County MSA
County County County
Bank of America 543 1,641 739 292 65 3,280
BMO Harris*
Busey Bank 330 1,687 963 263 50 3,293
Commerce Bank 215 915 427 285 16 1,858
First Bank 95 716 388 106 84 1,389
First Financial Bank 6 11 24 1 1 43
Lindell Bank 47 113 29 1 190
Midwest Bank 235 599 85 108 11 1,038
PNC Bank 171 497 259 101 47 1,075
Regions Bank 198 649 217 121 11 1,196
Reliance Bank 33 119 54 12 5 223
Royal Banks 7 16 1 24
UMB Bank 14 68 17 11 1 111
US Bank 883 3,444 1,772 663 251 7,013
Grand Total 2,777 10,475 4,975 1,964 542 20,733
*The data provided by the bank did not include loan application information

Loan Applications by County 2016

12,000

10,000

8,000

6,000

4,000

2,000

0
St. Louis City St. Louis County St. Charles Jefferson Franklin County
County County

10
 Loan Applications by Census Tract in the City of St. Louis: 2016
First
Bank of BMO Commerce Lindell Midwest Regions Reliance Royal
Census Tract Busey Bank Financial First Bank PNC Bank UMB Bank US Bank Total
America Harris* Bank Bank Bank Bank Bank Banks
Bank
1011 6 5 2 3 4 2 4 11 37
1012 11 7 2 1 2 2 4 1 18 48
1013 11 9 3 6 2 2 5 14 52
1014 5 2 2 3 5 3 1 7 28
1015 2 1 1 2 5 1 4 5 21
1018 1 2 1 1 5 2 9 21
1021 8 3 2 1 1 2 3 1 9 30
1022 27 7 7 3 1 4 5 3 1 29 87
1023 5 4 1 1 1 7 19
1024 6 3 2 1 2 7 2 4 1 11 39
1025 3 3 2 1 1 5 3 1 11 30
1031 11 5 4 1 2 1 2 2 16 44
1034 12 4 4 1 1 2 12 36
1036 7 1 1 1 2 12
1037 15 5 5 4 2 3 3 3 14 54
1038 26 2 6 1 2 6 27 70
1042 5 9 6 1 4 1 3 2 2 15 48
1045 5 8 2 1 3 5 24
1051.98 6 4 7 3 1 10 31
1052 5 6 4 2 1 1 4 3 7 33
1053 1 2 1 4 1 3 12
1054 1 2 3 1 7
1055 3 1 2 2 3 11
1061 1 6 4 11
1062 4 2 1 7
1063 1 2 1 1 3 8
1064 1 1 2 1 5
1065 1 1 3 5
1066 1 1 1 1 1 5
1067 3 1 1 1 1 9 16
1072 2 1 2 2 7
1073 1 2 2 7 3 1 10 26
1074 1 1 2 1 5
1075 2 2 1 8 13
1076 2 5 2 9
1081 2 1 5 1 2 6 17

11
 First
Bank of BMO Commerce Lindell Midwest Regions Reliance Royal
Census Tract Busey Bank Financial First Bank PNC Bank UMB Bank US Bank Total
America Harris* Bank Bank Bank Bank Bank Banks
Bank
1082 2 2 1 2 1 1 9
1083 1 1 6 8
1096 1 1 1 3 1 3 5 15
1097 2 2 2 2 1 9
1101 3 1 3 2 4 13
1102 1 4 1 4 10
1103 1 2 1 5 1 4 14
1104 3 1 2 2 1 1 10
1105 1 2 3
1111 2 3 2 11 18
1112 1 1 1 2 1 6
1113 2 1 4 7
1114 1 2 1 1 5
1115 1 1 2
1121 7 9 2 3 2 1 1 2 19 46
1122 3 1 6 10
1123 1 4 1 2 8
1124 7 8 2 2 3 2 2 2 1 1 10 40
1135 8 5 1 1 1 12 28
1141.01 17 6 4 2 4 2 2 1 2 22 62
1141.02 21 6 6 5 4 3 1 8 20 74
1142 24 3 2 5 2 3 2 12 1 1 19 74
1143 33 14 1 3 2 4 9 36 102
1151 5 1 2 1 3 2 1 9 24
1152 1 3 1 2 4 8 19
1153 10 4 3 2 1 7 6 4 15 52
1154 6 2 5 1 1 7 4 2 1 8 37
1155 8 3 1 2 7 1 4 10 36
1156 7 7 1 5 6 1 4 31
1157 3 2 2 3 1 1 11 23
1161 5 5 1 1 2 4 2 1 20 41
1162 23 10 7 2 1 7 4 6 20 80
1163.01 5 6 4 2 2 3 2 15 39
1163.02 2 4 4 6 2 1 1 9 29
1164 2 3 4 1 1 1 1 12 25
1165 6 8 6 4 1 1 16 42

12
 First
Bank of BMO Commerce Lindell Midwest Regions Reliance Royal
Census Tract Busey Bank Financial First Bank PNC Bank UMB Bank US Bank Total
America Harris* Bank Bank Bank Bank Bank Banks
Bank
1171 4 1 1 1 1 1 6 15
1172 20 13 6 2 4 7 2 1 26 81
1174 6 5 9 2 2 1 1 1 1 20 48
1181 6 3 1 1 1 14 26
1186 7 6 3 1 7 1 1 3 6 35
1191.01 8 6 2 3 5 24
1191.02 4 8 1 3 2 3 6 27
1192 1 6 4 1 3 1 8 24
1193 2 1 2 5
1202 3 3
1212 1 1 2
1231 6 2 4 2 1 3 7 3 11 39
1232 5 10 1 1 4 1 6 28
1233 4 6 2 3 1 3 1 2 1 8 31
1241 7 1 3 3 1 4 1 1 7 28
1242 2 2 1 2 1 1 6 15
1243 7 7 6 1 1 2 4 3 12 43
1246 1 1 1 3
1255 2 2 1 1 2 1 1 4 14
1256 2 1 1 2 1 3 1 6 17
1257 1 2 3
1266 4 3 2 2 2 3 16
1267 1 1 1 1 1 5
1268 10 5 11 2 3 1 5 5 1 33 76
1269 5 1 2 1 1 5 15
1270 1 1 2
1271 1 1 2
1272 11 5 5 1 1 7 10 20 60
1273 5 5 2 1 2 4 3 1 7 30
1274 7 9 3 1 1 3 2 2 10 38
1275 2 1 3 1 1 8
1276 11 6 1 3 2 2 8 33
Not Provided 2 2
Grand Total 543 0 330 215 6 95 47 235 171 198 33 7 14 883 2,777
*The data provided by the bank did not include loan application information

13
County Comparisons – Loans Originated (dollar amounts in thousands)
HOME PURCHASE St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 14,345 81 88,027 282 27,047 138 5,841 34 741 5 136,001 540
BMO Harris 677 6 6,088 26 1,162 5 607 4 8,534 41
Busey Bank 28,193 142 179,962 775 107,258 549 22,229 136 5,560 28 343,202 1,630
Commerce Bank 7,880 43 34,653 128 9,824 58 4,774 35 270 2 57,401 266
First Bank 7,218 41 71,498 280 36,968 186 6,706 42 4,544 28 126,934 577
First Financial Bank 178 2 443 4 38 1 659 7
Lindell Bank 2,691 19 8,141 52 1,056 7 70 1 11,958 79
Midwest Bank 7,684 55 46,997 180 7,106 32 4,422 28 1,150 5 67,359 300
PNC Bank 3,665 24 15,655 66 6,927 38 754 5 1,069 7 28,070 140
Regions Bank 4,778 32 24,898 107 11,163 48 4,296 27 64 1 45,199 215
Reliance Bank 441 2 3,521 14 567 5 8,816 4 13,345 25
Royal Banks 10,605 3 870 6 139 1 11,614 10
UMB Bank 533 3 23,721 13 913 5 56 1 25,223 22
US Bank 19,051 125 107,328 502 56,311 301 16,818 108 8,822 56 208,330 1,092
Grand Total 107,761 576 611,537 2,433 266,884 1,377 75,427 426 22,220 132 1,083,829 4,944

HOME IMPROVEMENT St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 290 3 5,234 29 1,830 12 470 6 145 1 7,969 51
BMO Harris 112 3 1412 13 58 1 1,582 17
Busey Bank 328 2 3681 18 1,311 8 667 4 5,987 32
Commerce Bank 845 28 7,150 118 1,841 53 1,603 46 11,439 245
First Bank 12 2 2736 22 3,936 20 690 10 7,374 54
First Financial Bank
Lindell Bank 821 11 1,582 15 2,403 26
Midwest Bank 1,183 48 19274 71 1,067 6 576 13 1,270 2 23,370 140
PNC Bank 706 16 3,031 45 1,552 17 442 15 293 9 6,024 102
Regions Bank 235 111 1377 52 406 18 116 6 2,134 187
Reliance Bank 2,679 9 3,290 5 56 1 6,025 15
Royal Banks 180 2 350 1 530 3
UMB Bank 115 1 4,693 2 5 1 4,813 4
US Bank 2,731 42 17,582 186 12,185 124 1878 44 683 14 35,059 410
Grand Total 9,416 167 70,631 573 25,771 275 5,810 135 3,081 36 114,709 1,186

14
REFINANCE St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 23,070 153 116,560 503 47,822 291 11,635 87 2,587 23 201,674 1,057
BMO Harris 5,087 47 28,471 145 4,473 37 2,616 24 40,647 253
Busey Bank 18,949 102 122,562 501 57,538 233 9,298 59 3,377 13 211,724 908
Commerce Bank 7,254 48 67,581 300 15,360 116 6,615 71 954 4 97,764 539
First Bank 4,429 24 69,128 236 19,014 114 5,332 36 2,278 20 100,181 430
Firtst Financial Bank 276 1 649 4 1,944 11 2,869 16
Lindell Bank 2,963 27 4,226 48 842 7 8,031 82
Midwest Bank 4,248 28 72,342 204 8,767 32 6,327 39 624 2 92,308 305
PNC Bank 2,672 23 29,334 127 14,233 82 3,603 28 541 5 50,383 265
Regions Bank 3,049 33 30,416 152 6,073 53 4,054 33 360 2 43,952 273
Reliance Bank 13,651 8 8,564 42 3,419 22 497 3 26,131 75
Royal Banks 590 3 590 3
UMB Bank 2,052 7 54,250 38 945 7 590 7 57,837 59
US Bank 25,769 178 211,914 1,025 86,269 520 27,337 196 10,638 78 361,927 1,997
Grand Total 113,469 679 816,587 3,328 266,699 1,525 77,904 583 21,359 147 1,296,018 6,262

TOTAL: ALL LOAN TYPES St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 37,705 237 209,821 814 76,699 441 17,946 127 3,473 29 345,644 1,648
BMO Harris 5,873 56 35,971 184 5,635 42 3,281 29 50,763 311
Busey Bank 37,819 203 187,020 806 127,518 659 145,458 641 63,098 261 560,913 2,570
Commerce Bank 15,979 119 109,384 546 27,025 227 12,992 152 1,224 6 166,604 1,050
First Bank 11,659 67 143,362 538 59,918 320 12,728 88 6,822 48 234,489 1,061
First Financial Bank 276 1 827 6 2,387 15 38 1 3,528 23
Lindell Bank 5,654 46 13,188 111 3,480 29 70 1 22,392 187
Midwest BankCentre 13,115 131 138,613 455 16,940 70 11,325 80 3,044 9 183,037 745
PNC Bank 7,043 63 48,020 238 22,712 137 4,799 48 1,903 21 84,477 507
Regions Bank 8,062 176 56,691 311 17,642 119 8,466 66 424 3 91,285 675
Reliance Bank 16,771 19 15,375 61 4,042 28 9,313 7 45,501 115
Royal Banks 10,785 5 1,810 10 139 1 12,734 16
UMB Bank 2,700 11 82,664 53 1,863 13 646 8 87,873 85
US Bank 47,551 345 336,824 1,713 154,765 945 46,033 348 20,143 148 605,316 3,499
Grand Total 230,646 1,422 1,498,755 6,334 559,354 3,177 159,141 1,144 46,660 315 2,494,556 12,392

15
City and Metropolitan Area – Loans Originated (dollar amounts in thousands)

HOME PURCHASE REFINANCE

St. Louis City MSA City as a Pct. of Total St. Louis City MSA City as a Pct. of Total
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 14,345 81 136,001 540 10.55% 15.00% Bank of America 23,070 153 201,674 1,057 11.44% 14.47%
BMO Harris 677 6 8,534 41 7.93% 14.63% BMO Harris 5,087 47 40,647 253 12.52% 18.58%
Busey Bank 28,193 142 343,202 1,630 8.21% 8.71% Busey Bank 18,949 102 211,724 908 8.95% 11.23%
Commerce Bank 7,880 43 57,401 266 13.73% 16.17% Commerce Bank 7,254 48 97,764 539 7.42% 8.91%
First Bank 7,218 41 126,934 577 5.69% 7.11% First Bank 4,429 24 100,181 430 4.42% 5.58%
First Financial Bank 659 7 First Financial Bank 276 1 2,869 16 9.62% 6.25%
Lindell Bank 2,691 19 11,958 79 22.50% 24.05% Lindell Bank 2,963 27 8,031 82 36.89% 32.93%
Midwest BankCentre 7,684 55 67,359 300 11.41% 18.33% Midwest Bank 4,248 28 92,308 305 4.60% 9.18%
PNC Bank 3,665 24 28,070 140 13.06% 17.14% PNC Bank 2,672 23 50,383 265 5.30% 8.68%
Regions Bank 4,778 32 45,199 215 10.57% 14.88% Regions Bank 3,049 33 43,952 273 6.94% 12.09%
Reliance Bank 441 2 13,345 25 3.30% 8.00% Reliance Bank 13,651 8 26,131 75 52.24% 10.67%
Royal Banks 10,605 3 11,614 10 91.31% 30.00% Royal Banks 590 3
UMB Bank 533 3 25,223 22 2.11% 13.64% UMB Bank 2,052 7 57,837 59 3.55% 11.86%
US Bank 19,051 125 208,330 1,092 9.14% 11.45% US Bank 25,769 178 361,927 1,997 7.12% 8.91%
Grand Total 107,761 576 1,083,829 4,944 9.94% 11.65% Grand Total 113,469 679 1,296,018 6,262 8.76% 10.84%

HOME IMPROVEMENT TOTAL: ALL LOAN TYPES

St. Louis City MSA City as a Pct. of Total St. Louis City MSA City as a Pct. of Total
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 290 3 7,969 51 3.64% 5.88% Bank of America 37,705 237 345,644 1,648 10.91% 14.38%
BMO Harris 112 3 1,582 17 7.07% 17.65% BMO Harris 5,876 56 50,763 311 11.58% 18.00%
Busey Bank 328 2 5,987 32 5.48% 6.25% Busey Bank 37,819 203 560,913 2,570 6.74% 7.90%
Commerce Bank 845 28 11,439 245 7.39% 11.43% Commerce Bank 15,979 119 166,604 1,050 9.59% 11.33%
First Bank 12 2 7,374 54 0.16% 3.70% First Bank 11,659 67 234,489 1,061 4.97% 6.31%
First Financial Bank First Financial Bank 276 1 3,528 23 7.82% 4.35%
Lindell Bank 2,403 26 Lindell Bank 5,654 46 22,392 187 25.25% 24.60%
Midwest BankCentre 1,183 48 23,370 140 5.06% 34.29% Midwest BankCentre 13,115 131 183,037 745 7.17% 17.58%
PNC Bank 706 16 6,024 102 11.72% 15.69% PNC Bank 7,043 63 84,477 507 8.34% 12.43%
Regions Bank 235 111 2,134 187 11.01% 59.36% Regions Bank 8,062 176 91,285 675 8.83% 26.07%
Reliance Bank 2,679 9 6,025 15 44.46% 60.00% Reliance Bank 16,771 19 45,501 115 36.86% 16.52%
Royal Banks 180 2 530 3 33.96% 66.67% Royal Banks 10,785 5 12,734 16 84.69% 31.25%
UMB Bank 115 1 4,813 4 2.39% 25.00% UMB Bank 2,700 11 87,873 85 3.07% 12.94%
US Bank 2,731 42 35,059 410 7.79% 10.24% US Bank 47,551 345 605,316 3,499 7.86% 9.86%
Grand Total 9,416 167 114,709 1,186 8.21% 14.08% Grand Total 230,646 1,422 2,494,556 12,392 9.25% 11.48%

16
 10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000

0
5,000
Bank of America

BMO Harris

Busey Bank

Commerce Bank

First Bank

Home Purchase
First Financial Bank

Lindell Bank

Midwest BankCentre

Home Improvement
PNC Bank

Regions Bank

Refinance
Reliance Bank
All Loan Types (by $) - City Of St. Louis

Royal Banks

UMB Bank

US Bank
100,000
200,000
300,000
400,000
500,000
600,000

Bank of America

BMO HARRIS

Commerce Bank

Eagle Bank

First Bank
Home Purchase

First Financial Bank

Lindell Bank

Midwest Bank
Home Improvement

PNC Bank

Pulaski Bank
Refinance
All Loan Types (by $) - MSA

Regions Bank

Reliance Bank

Royal Bank

US Bank
17
18
19
20
21
City of St. Louis-20 Year Loan History

All Lending Institutions: 20 Year Summary

St. Louis City MSA* City as Percent of Total City % Change (yearly)

Year Amount # Loans Amount # Loans Amount # Loans Amount # Loans

1996 $49,371 1,220 $795,847 11,441 6.20% 10.66% 47.00% 6.10%
1997 $44,215 1,183 $689,770 10,626 6.41% 11.13% -10.40% -3.00%
1998 $58,790 1,213 $1,043,594 12,641 5.63% 9.60% 33.00% 2.50%

1999 $66,118 1,092 $1,184,679 12,516 5.58% 8.72% 12.50% -10.00%

2000 $124,224 2,034 $879,619 9,869 14.12% 20.61% 87.90% 86.30%
2001 $262,271 3,144 $3,277,773 28,284 8.00% 11.12% 111.10% 54.60%
2002 $275,701 2,752 $3,712,901 28,481 7.43% 9.66% 5.10% -12.50%
2003 $301,522 3,163 $4,508,965 35,135 6.69% 9.00% 9.40% 14.90%
2004 $297,281 2,763 $3,133,986 23,044 9.49% 11.99% -1.40% -12.60%
2005 $271,496 2,309 $2,563,152 19,372 10.59% 11.92% -8.70% -16.40%
2006 $263,578 2,143 $2,039,271 17,130 12.93% 12.51% -2.90% -7.20%
2007 $408,225 2,892 $2,582,112 16,831 15.81% 17.18% 54.90% 35.00%
2008 $378,287 2,742 $3,460,669 16,419 10.93% 16.70% -7.30% -5.20%
2009 $449,139 3,004 $4,826,270 28,200 9.31% 10.65% 18.70% 9.60%
2010 $331,801 2,305 $4,006,610 23,087 8.28% 9.98% -12.30% -15.90%
2011 $207,830 1,458 $2,721,672 16,223 7.64% 8.99% -37.40% -36.80%
2012 $236,489 1,753 $3,299,270 19,435 7.17% 9.02% 13.79% 20.23%
2013 $246,562 1,855 $2,570,655 15,908 9.59% 11.66% 4.26% 5.82%
2014 $153,281 1,048 $1,489,630 8,762 10.29% 11.96% -37.83% -43.50%
2015 $197,004 1,328 $1,556,601 8,825 12.66% 15.05% 28.52% 26.72%
2016 $230,646 1,422 $2,494,556 12,392 9.25% 11.45% 17.07% 6.93%

Total $4,853,831 42,823 $52,837,602 374,621 9.19% 11.43% 4.23% 0.64%

*Based on available data from lending institutions
Amounts shown are in thousands of dollars

22
City of St. Louis – Loan Distribution (Originated Loans)
City of St. Louis Originated Loans by Tract City of St. Louis Originated Loans by Tract
Home Purchase Home Improvement Refinance Total: All Types Home Purchase Home Improvement Refinance Total: All Types
Tract Amount Loans Amount Loans Amount Loans Amount Loans Tract Amount Loans Amount Loans Amount Loans Amount Loans
($) ($) ($) ($) ($) ($) ($) ($)
1011 1,142 10 60 1 354 6 1,556 17 1081 0 0 11 2 72 1 83 3
1012 1,385 12 29 2 1,247 13 2,661 27 1082 0 0 6 1 0 0 6 1
1013 2,066 14 160 2 1,301 14 3,527 30 1083 29 1 3 1 0 0 32 2
1014 550 5 40 4 313 3 903 12 1096 0 0 45 1 0 0 45 1
1015 172 2 10 2 157 2 339 6 1097 95 1 24 2 32 1 151 4
1018 94 1 94 4 808 3 996 8 1101 0 0 6 1 96 3 102 4
1021 1,161 8 15 1 779 8 1,955 17 1102 0 0 8 1 0 0 8 1
1022 3,428 23 141 3 2,998 27 6,567 53 1103 47 1 0 0 46 1 93 2
1023 774 7 0 0 316 3 1,090 10 1104 39 1 0 0 0 0 39 1
1024 533 5 22 4 813 11 1,368 20 1105 0 0 0 0 0 0 0 0
1025 980 8 0 0 498 8 1,478 16 1111 0 0 45 1 403 5 448 6
1031 1,967 13 75 2 1,881 12 3,923 27 1112 0 0 180 2 0 0 180 2
1034 847 8 156 3 868 10 1,871 21 1113 0 0 25 1 60 1 85 2
1036 399 2 10 1 425 6 834 9 1114 0 0 0 0 18 1 18 1
1037 1,732 17 47 2 1,860 17 3,639 36 1115 0 0 0 0 0 0 0 0
1038 1,974 13 42 2 2,208 20 4,224 35 1121 6,523 16 827 3 8,003 16 15,353 35
1042 2,902 8 87 1 2,081 18 5,070 27 1122 102 1 35 1 408 2 545 4
1045 974 7 135 1 885 8 1,994 16 1123 0 0 0 0 0 0 0 0
1051.98 2,553 7 0 0 4,930 15 7,483 22 1124 5,075 10 16 1 11,799 11 16,890 22
1052 1,708 9 250 2 1,554 6 3,512 17 1135 784 8 70 2 1,567 13 2,421 23
1053 190 1 70 2 31 1 291 4 1141.01 2,122 16 48 4 1,806 16 3,976 36
1054 202 2 5 1 125 1 332 4 1141.02 3,304 15 218 3 4,830 28 8,352 46
1055 87 1 0 0 496 3 583 4 1142 2,720 21 55 1 2,251 22 5,026 44
1061 47 1 9 1 56 1 112 3 1143 5,468 37 216 5 3,259 26 8,943 68
1062 0 0 7 2 24 1 31 3 1151 205 3 25 3 430 7 660 13
1063 0 0 5 1 0 0 5 1 1152 207 2 0 0 421 6 628 8
1064 0 0 0 0 0 0 0 0 1153 771 8 7 2 820 15 1,598 25
1065 13 1 5 1 0 0 18 2 1154 435 5 168 4 371 7 974 16
1066 0 0 17 2 0 0 17 2 1155 171 3 21 5 183 4 375 12
1067 12 1 49 2 0 0 61 3 1156 2,096 9 23 1 340 5 2,459 15
1072 0 0 5 1 0 0 5 1 1157 193 3 0 0 337 5 530 8
1073 55 1 39 3 81 2 175 6 1161 798 9 1,020 4 568 7 2,386 20
1074 0 0 23 1 0 0 23 1 1162 3,067 19 330 4 3,894 25 7,291 48
1075 0 0 10 2 0 0 10 2 1163.01 1,675 7 54 2 1,503 13 3,232 22
1076 0 0 3 1 29 1 32 2 1163.02 694 8 168 2 824 6 1,686 16

23
City of St. Louis Originated Loans by Tract City of St. Louis Originated Loans by Tract
Home Purchase Home Improvement Refinance Total: All Types Home Purchase Home Improvement Refinance Total: All Types
Tract Amount Loans Amount Loans Amount Loans Amount Loans Tract Amount Loans Amount Loans Amount Loans Amount Loans
($) ($) ($) ($) ($) ($) ($) ($)
1164 526 6 0 0 362 3 888 9 1242 231 2 54 3 137 1 422 6
1165 1,618 8 397 5 1,833 11 3,848 24 1243 2,234 11 52 1 1,759 9 4,045 21
1171 537 3 0 0 912 8 1,449 11 1246 64 1 0 0 0 0 64 1
1172 4,228 19 3 1 5,157 30 9,388 50 1255 440 4 0 0 387 3 827 7
1174 1,301 6 474 3 1,995 11 3,770 20 1256 276 2 0 0 713 5 989 7
1181 8,500 1 0 0 2,451 12 10,951 13 1257 0 0 0 0 207 2 207 2
1184 0 0 0 0 0 0 0 0 1266 154 2 78 2 400 3 632 7
1186 1,624 9 396 5 5,856 9 7,876 23 1267 0 0 3 1 0 0 3 1
1191.01 2,622 10 0 0 1,123 5 3,745 15 1268 2,770 18 232 4 1,100 12 4,102 34
1191.02 2,095 9 418 2 4,454 7 6,967 18 1269 38 1 5 1 43 2 86 4
1192 1,515 5 70 1 1,588 8 3,173 14 1270 0 0 0 0 0 0 0 0
1193 0 0 100 1 0 0 100 1 1271 0 0 0 0 25 1 25 1
1202 0 0 1 1 0 0 1 1 1272 1,382 11 451 6 1,620 16 3,453 33
1211 0 0 0 0 0 0 0 0 1273 756 3 1,086 3 3,062 12 4,904 18
1212 0 0 0 0 0 0 0 0 1274 2,963 10 181 4 1,800 8 4,944 22
1231 1,480 9 61 2 1,260 9 2,801 20 1275 0 0 16 1 282 3 298 4
1232 2,261 10 0 0 1,011 7 3,272 17 1276 1,500 9 0 0 1,143 6 2,643 15
1233 1,579 10 45 2 1,223 7 2,847 19 Total 107,761 576 9,416 167 113,469 679 230,646 1,422
1241 500 6 19 1 107 2 626 9

Notes:
*No Loans originated in tracts 1064, 1105, 1115, 1123, 1184, 1211, 1212, and 1270
**Loan amounts are in thousands of dollars

24
Individual Bank Loan Information

Bank of America

Bank of America: 5 Year Summary Bank of America: 20 Year Summary

Number Amount City as Percent
St. Louis City MSA
City Loans MSA Loans City Loans MSA Loans of total
2012 333 2,716 $47,553 $487,840 Year Amount # Loans Amount # Loans Amount # Loans
2013 490 3,758 $61,589 $586,068 1996 $21,038 503 $295,966 4,121 7.11% 12.21%
2014 244 1,666 $30,224 $278,729 1997 $13,961 382 $145,739 2,462 9.58% 15.52%
2015 295 1,700 $39,251 $311,548 1998 $1,265 15 $116,104 998 1.09% 1.50%
2016 237 1,648 $37,705 $345,644 1999 $3,145 29 $147,842 1,023 2.13% 2.83%
Total 1,599 11,488 $216,322 $2,009,829 2000 $81,422 1,245 $599,972 5,867 13.57% 21.22%
Amount is represented in thousands of dollars 2001 $106,509 1,332 $1,116,026 10,021 9.54% 13.29%
2002 $78,845 739 $980,748 7,740 8.04% 9.55%
2003 $108,148 1,126 $1,339,790 11,176 8.07% 10.08%
2004 $85,932 726 $920,378 5,777 9.34% 12.57%
2005 $86,065 718 $680,223 4,513 12.65% 15.91%
2006 $107,908 839 $693,201 4,451 15.57% 18.85%
2007 $129,090 1,073 $734,865 5,189 17.57% 20.68%
2008 $122,223 481 $1,356,384 5,338 9.01% 9.01%
2009 $104,074 729 $1,262,545 7,401 8.24% 9.85%
2010 $66,787 467 $911,136 5,383 7.33% 8.68%
2011 $44,064 321 $551,106 3,254 8.00% 9.86%
2012 $47,553 333 $487,840 2,716 9.75% 12.26%
2013 $61,589 490 $586,068 3,758 10.51% 13.04%
2014 $30,224 244 $278,729 1,666 10.84% 14.65%
2015 $39,251 295 $311,548 1,700 12.60% 17.35%
2016 $37,705 237 $345,644 1,648 10.91% 14.38%
Amount is represented in thousands of dollars

25
26
BMO Harris Bank

BMO Harris: 5 Year Summary BMO Harris: 20 Year Summary

Number Amount City as Percent
St. Louis City MSA
City Loans MSA Loans City Loans MSA Loans of total
2012 41 135 $3,293 $23,261 Year Amount # Loans Amount # Loans Amount # Loans
2013 33 148 $2,703 $23,920 1996
2014 48 184 $4,790 $26,941 1997
2015 30 67 $3,801 $11,105 1998
2016 56 311 $5,876 $50,763 1999
Total 208 845 $20,463 $135,990 2000
Amount is represented in thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011 $3,393 27 $35,622 178 9.53% 15.17%
2012 $3,293 41 $23,261 135 14.16% 30.37%
2013 $2,703 33 $23,920 148 11.30% 22.30%
2014 $4,790 48 $26,941 184 17.78% 26.09%
2015 $3,801 30 $11,105 67 34.23% 44.78%
2016 $5,876 56 $50,763 311 11.57% 18.00%
Amount is represented in thousands of dollars

27
28
Busey Bank (formerly Pulaski Bank)

Busey Bank: 5 Year Summary Busey Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 437 4,930 $63,130 $850,291 Year Amount # Loans Amount # Loans Amount # Loans
2013 308 3,079 $49,017 $550,098 1996
2014 196 2,104 $35,905 $400,836 1997
2015 264 2,654 $44,712 $520,473 1998
2016 246 2,570 $47,470 $560,913 1999
Total 1,451 15,337 $240,234 $2,882,611 2000
Amount is represented in thousands of dollars 2001 $44,656 411 $626,460 4,490 7.13% 9.15%
2002 $70,505 597 $851,406 5,502 8.28% 10.85%
2003 $70,505 779 $1,178,977 7,614 5.98% 10.23%
2004 $78,401 683 $746,842 5,052 10.50% 13.52%
2005 $70,519 570 $660,378 4,307 10.68% 13.23%
2006 $82,753 642 $717,111 4,620 11.54% 13.90%
2007 $126,480 833 $718,357 4,233 17.61% 19.68%
2008 $102,234 730 $854,040 5,115 11.97% 14.27%
2009 $137,689 945 $1,237,172 7,355 11.13% 12.85%
2010 $94,615 657 $1,039,608 5,802 9.10% 11.32%
2011 $47,002 336 $660,095 3,912 7.12% 8.59%
2012 $63,130 437 $850,291 4,930 7.42% 8.86%
2013 $49,017 308 $550,098 3,079 8.91% 10.00%
2014 $35,905 196 $400,836 2,104 8.96% 9.32%
2015 $44,712 264 $520,473 2,654 8.59% 9.95%
2016 $47,470 246 $560,913 2,570 8.46% 9.57%
Amount is represented in thousands of dollars

29
30
Commerce Bank

Commerce Bank: 5 Year Summary Commerce Bank: 20 Year Summary

Number Amount
City as Percent of Total
St. Louis City MSA
City Loans MSA Loans City Loans MSA Loans
2012 95 1,088 $9,375 $148,521 Year Amount # Loans Amount # Loans Amount # Loans
2013 213 1,164 $29,710 $167,149 1996
2014 72 744 $7,785 $103,241 1997 $1,609 70 $51,764 875 3.11% 8.00%
2015 77 847 $10,515 $139,246 1998 $7,700 222 $112,433 1,763 6.85% 12.59%
2016 119 1,050 $15,979 $166,604 1999 $2,404 94 $48,556 801 4.95% 11.74%
Total 576 4,046 $73,364 $585,515 2000 $6,569 143 $110,172 696 5.96% 20.55%
Amount is represented in thousands of dollars 2001 $7,950 151 $161,411 1,625 4.93% 9.29%
2002 $10,146 157 $184,225 1,463 5.51% 10.73%
2003 $13,727 103 $195,640 1,526 7.02% 6.75%
2004 $7,850 103 $87,680 774 8.95% 13.31%
2005 $6,939 110 $90,085 939 7.70% 11.71%
2006 $8,847 95 $91,725 1,080 9.65% 8.80%
2007 $8,842 92 $81,891 704 10.80% 13.07%
2008 $7,490 84 $69,356 729 10.80% 11.52%
2009 $7,855 84 $100,486 789 7.82% 10.65%
2010 $7,647 88 $88,994 662 8.59% 13.29%
2011 $4,821 50 $96,516 619 5.00% 8.08%
2012 $9,375 95 $148,521 1,088 6.31% 8.73%
2013 $29,710 213 $167,149 1,164 17.77% 18.30%
2014 $7,785 72 $103,241 744 7.54% 9.68%
2015 $10,515 77 $139,246 847 9.09% 7.55%
2016 $15,979 119 $166,604 1,050 9.59% 11.33%
Amount is represented in thousands of dollars

31
32
First Bank

First Bank: 5 Year Summary First Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 60 1,032 $10,061 $169,641 Year Amount # Loans Amount # Loans Amount # Loans
2013 59 600 $8,808 $95,424 1996
2014 40 400 $8,083 $87,433 1997
2015 57 510 $9,573 $46,828 1998
2016 63 560 $10,995 $122,410 1999
Total 279 2,592 $47,520 $474,908 2000
Amount is represented in thousands of dollars 2001
2002 $2,310 19 $48,102 856 4.80% 2.22%
2003 $8,624 100 $364,008 3,634 2.37% 2.75%
2004 $5,566 48 $128,139 1126 4.34% 4.26%
2005 $8,977 54 $126,750 1140 7.08% 4.74%
2006 $2,938 26 $62,035 561 4.74% 4.63%
2007 $8,195 35 $55,589 395 14.74% 8.86%
2008 $4,040 31 $126,141 1002 3.20% 3.09%
2009 $18,228 67 $197,156 1203 9.25% 5.57%
2010 $8,505 64 $88,994 992 9.56% 6.45%
2011 $4,108 36 $94,956 631 4.33% 5.71%
2012 $10,061 60 $169,641 1,032 5.93% 5.81%
2013 $8,808 59 $95,424 600 9.23% 9.83%
2014 $8,083 40 $87,433 400 9.24% 10.00%
2015 $9,573 57 $46,828 510 20.44% 11.17%
2016 $10,995 63 $122,410 560 11.25% 8.98%
Amount is represented in thousands of dollars

33
34
First Financial Bank

First Financial Bank: 5 Year Summary First Financial Bank: 20 Year Summary
Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 Year Amount # Loans Amount # Loans Amount # Loans
2013 1996
2014 1997
2015 1 18 $117 $2,778 1998
2016 1 23 $276 $3,528 1999
Total 2000
Amount is represented in the thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015 $117 1 $2,778 18 5.56% 4.21%
2016 $276 1 $3,528 23 7.82% 4.35%
Amount is represented in the thousands of dollars

35
36
 Lindell Bank

Lindell Bank: 5 Year Summary Lindell Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 28 124 $3,459 $17,392 Year Amount # Loans Amount # Loans Amount # Loans
2013 29 158 $3,417 $17,448 1996 $1,003 27 $3,233 52 31.02% 51.92%
2014 39 187 $3,520 $26,253 1997 $1,119 28 $3,209 51 34.87% 54.90%
2015 60 196 $5,693 $21,386 1998 $779 21 $1,992 35 39.11% 60.00%
2016 46 187 $5,654 $22,392 1999 $968 22 $4,288 61 22.57% 36.07%
Total 202 852 $21,743 $104,871 2000 $1,014 14 $6,719 76 15.09% 18.42%
Amount is represented in thousands of dollars 2001 $582 15 $4,546 59 12.80% 25.42%
2002 $1,558 25 $5,669 64 27.48% 39.06%
2003 $6,738 39 $13,062 103 51.58% 37.86%
2004 $4,464 40 $13,793 131 32.36% 30.53%
2005 $4,928 40 $13,091 127 37.64% 31.50%
2006 $2,631 18 $5,767 58 45.62% 31.03%
2007 $3,317 28 $9,014 88 36.80% 31.82%
2008 $8,085 103 $15,967 189 50.64% 54.50%
2009 $2,488 31 $7,550 91 32.95% 34.07%
2010 $2,639 22 $7,367 78 35.82% 28.21%
2011 $1,675 24 $8,350 103 20.06% 23.30%
2012 $3,459 28 $17,392 124 19.89% 22.58%
2013 $3,417 29 $17,448 158 19.58% 18.35%
2014 $3,520 39 $26,253 187 13.41% 20.86%
2015 $5,693 60 $21,386 196 26.62% 30.61%
2016 $5,654 46 $22,392 187 25.25% 24.60%
Amount is represented in thousands of dollars

37
38
Midwest BankCentre

Midwest BankCentre: 5 Year Summary Midwest BankCentre: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 Year Amount # Loans Amount # Loans Amount # Loans
2013 1996
2014 1997
2015 121 - $12,976 - 1998
2016 131 745 $13,115 $183,037 1999
Total 252 745 $26,091 $183,037 2000
Amount is represented in the thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015 $12,976 121 - - - -
2016 $13,115 131 $183,037 745 7.17% 17.58%
Amount is represented in the thousands of dollars

39
40
PNC Bank

PNC Bank: 5 Year Summary PNC Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 102 1,001 $12,531 $170,713 Year Amount # Loans Amount # Loans Amount # Loans
2013 89 853 $10,398 $138,088 1996
2014 77 563 $9,073 $102,086 1997
2015 57 624 $6,647 $101,503 1998
2016 63 507 $7,043 $84,477 1999
Total 388 3,548 $45,692 $596,867 2000
Amount is represented in thousands of dollars 2001
2002
2003
2004
2005
2006
2007 $49,662 347 $316,431 2,056 15.69% 16.88%
2008 $36,236 197 $202,041 1,142 17.93% 17.25%
2009 $18,317 125 $193,630 1,079 9.46% 11.58%
2010 $14,742 108 $126,457 744 11.66% 14.52%
2011 $11,205 85 $106,993 641 10.47% 13.26%
2012 $12,531 102 $170,713 1001 7.34% 10.19%
2013 $10,398 89 $138,088 853 7.53% 10.43%
2014 $9,073 77 $102,086 563 8.89% 13.68%
2015 $6,647 57 $101,503 624 6.55% 9.13%
2016 $7,043 63 $84,477 507 8.34% 12.43%
Amount is represented in thousands of dollars

41
42
Regions Bank

Regions Bank: 5 Year Summary Regions Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 Year Amount # Loans Amount # Loans Amount # Loans
2013 80 615 $8,745 $77,434 1996
2014 73 483 $7,900 $59,001 1997
2015 69 571 $7,829 $78,073 1998
2016 76 575 $8,062 $91,285 1999
Total 298 2,244 $32,536 $305,793 2000
Amount is represented in thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013 $8,745 80 $77,434 615 11.29% 13.01%
2014 $7,900 73 $59,001 483 13.39% 15.11%
2015 $7,829 69 $78,073 571 10.03% 12.08%
2016 $8,062 76 $91,285 575 8.83% 13.22%
Amount is represented in thousands of dollars

43
44
Reliance Bank

Reliance Bank: 5 Year Summary Reliance Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 Year Amount # Loans Amount # Loans Amount # Loans
2013 1996
2014 5 23 $2,047 $8,494 1997
2015 8 30 $15,843 $22,982 1998
2016 19 115 $16,771 $45,501 1999
Total 32 168 $34,661 $76,977 2000
Amount is represented in thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014 $2,047 5 $8,494 23 24.10% 21.74%
2015 $15,843 8 $22,982 30 68.94% 26.67%
2016 $16,771 19 $45,501 115 36.86% 16.52%
Amount is represented in thousands of dollars

45
46
Royal Banks

Royal Banks: 5 Year Summary Royal Banks: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 4 21 $439 $4,149 Year Amount # Loans Amount # Loans Amount # Loans
2013 7 34 $1,723 $8,697 1996
2014 6 29 $10,334 $13,945 1997
2015 3 15 $180 $4,390 1998 170 2 6665 62 2.55% 3.23%
2016 5 16 $10,785 $12,734 1999 $329 16 $4,526 66 7.27% 24.24%
Total 25 115 $23,461 $43,915 2000 $606 8 $3,570 42 16.97% 19.05%
Amount is represented in thousands of dollars 2001 $177 3 $9,405 57 1.88% 5.26%
2002 $1,925 23 $14,364 81 13.40% 28.40%
2003 $2,880 12 $15,101 31 19.07% 38.71%
2004 $1,513 8 $15,181 42 9.97% 19.05%
2005 $11,506 19 $19,411 69 59.28% 27.54%
2006 $2,978 11 $12,108 37 24.60% 29.73%
2007 $24,091 10 $31,556 60 76.34% 16.67%
2008 $2,932 6 $15,129 32 19.38% 18.75%
2009 $1,191 8 $4,098 22 29.06% 36.36%
2010 $159 3 $5,210 20 3.05% 15.00%
2011 $5,036 3 $14,726 29 34.20% 10.34%
2012 $439 4 $4,149 21 10.58% 19.05%
2013 $1,723 7 $8,697 34 19.81% 20.59%
2014 $10,334 6 $13,945 29 74.11% 20.69%
2015 $180 3 $4,390 15 4.10% 20.00%
2016 $10,785 5 $12,734 16 84.69% 31.25%
Amount is represented in thousands of dollars

47
48
UMB BANK

UMB Bank: 5 Year Summary UMB Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 Year Amount # Loans Amount # Loans Amount # Loans
2013 1996
2014 1997
2015 1998
2016 11 85 $2,700 $87,873 1999
Total 11 85 $2,700 $87,873 2000
Amount is represented in thousands of dollars 2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016 $2,700 11 $87,873 85 3.07% 12.94%
Amount is represented in thousands of dollars

49
50
US Bank

US Bank: 5 Year Summary US Bank: 20 Year Summary

Number Amount
St. Louis City MSA City as Percent of Total
City Loans MSA Loans City Loans MSA Loans
2012 643 8,225 $85,374 $1,401,104 Year Amount # Loans Amount # Loans Amount # Loans
2013 540 5,406 $69,390 $891,672 1996 $26,477 523 $482,845 5,326 5.48% 9.82%
2014 240 2,320 $31,480 $372,224 1997 $26,691 530 $475,251 5,293 5.62% 10.01%
2015 287 3,082 $36,761 $509,769 1998 $47,576 775 $792,251 7870 6.01% 9.85%
2016 345 3,499 $47,551 $605,316 1999 $58,431 775 $970,038 9,156 6.02% 8.46%
Total 2,055 22,532 $270,556 $3,780,085 2000 $30,954 468 $133,504 1,727 23.19% 27.10%
Amount is represented in thousands of dollars 2001 $98,586 1,089 $1,321,625 10,825 7.46% 10.06%
2002 $105,396 1071 $1,600,788 11,896 6.58% 9.00%
2003 $87,191 830 $1,360,665 10,059 6.41% 8.25%
2004 $111,717 1062 $1,199,701 9,192 9.31% 11.55%
2005 $69,431 608 $750,183 5,585 9.26% 10.89%
2006 $46,936 333 $386,416 2,417 12.15% 13.78%
2007 $47,862 360 $507,590 2,977 9.43% 12.09%
2008 $80,566 593 $947,659 6,027 8.50% 9.84%
2009 $134,623 816 $1,556,237 8,590 8.65% 9.50%
2010 $129,196 831 $1,617,148 9,103 7.99% 9.13%
2011 $85,240 566 $1,133,156 6,742 7.52% 8.40%
2012 $85,374 643 $1,401,104 8,225 6.09% 7.82%
2013 $69,390 540 $891,672 5,406 7.78% 9.99%
2014 $31,480 240 $372,224 2,320 8.46% 10.34%
2015 $36,761 287 $509,769 2,820 10.18% 7.21%
2016 $47,551 345 $605,316 3,499 7.86% 9.86%
Amount is represented in thousands of dollars

51
52
Loan Denials - City and MSA Totals

Loan Denials
Institution # City # MSA % of City Denials

Bank of America 118 547 21.57%

BMO Harris*
Busey Bank 21 161 13.04%

Commerce Bank 65 439 14.81%

First Bank 11 101 10.89%

First Financial Bank 4 7 57.14%

Lindell Bank 1 2 50.00%

Midwest Bank 88 205 42.93%

PNC Bank 87 418 20.81%

Regions Bank 80 396 20.20%

Reliance Bank 6 36 16.67%

Royal Banks 2 0.00%

UMB Bank 3 14 21.43%

US Bank 273 1392 19.61%

Grand Total 757 3,720 20.35%

* The loan information provided by the bank did not include loan denials

53
Home Purchase - Loan Applications Denied Home Improvement - Loan Applications Denied
St. Louis City MSA City as Percent of Total St. Louis City MSA City as Percent of Total
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 4,166 25 24,280 114 17.16% 21.93% Bank of America 441 5 2,940 17 15.00% 29.41%
BMO Harris* BMO Harris*
Busey Bank 2151 11 20,743 103 10.37% 10.68% Busey Bank
Commerce Bank 60 1 5,059 28 1.19% 3.57% Commerce Bank 1,105 38 6,985 241 15.82% 15.77%
First Bank 560 5 3,846 29 14.56% 17.24% First Bank 166 2 412 30 40.29% 6.67%
First Financial Bank 53 1 0.00% 0.00% First Financial Bank
Lindell Bank Lindell Bank
Midwest Bank 587 5 1,214 12 48.35% 41.67% Midwest Bank 330 68 1030 132 32.04% 51.52%
PNC Bank 864 7 7,881 43 10.96% 16.28% PNC Bank 899 50 3,385 203 26.56% 24.63%
Regions Bank 1,382 10 7,476 48 18.49% 20.83% Regions Bank 1,156 31 3,707 127 31.18% 24.41%
Reliance Bank 313 3 0.00% 0.00% Reliance Bank 20 4 55 11 36.36% 36.36%
Royal Banks Royal Banks
UMB Bank 138 1 138 1 100.00% 100.00% UMB Bank 25 1 0.00% 0.00%
US Bank 5,636 35 35,617 197 15.82% 17.77% US Bank 4,896 105 18915 418 25.88% 25.12%
Grand Total 15,544 100 106,620 579 14.59% 17.30% Grand Total 9,013 303 37,454 1,180 24.06% 25.68%

* The data provided by the bank does not include loan denials

54
Refinance - Loan Application Denied Totals: All Loan Types - Loan Application Denied
St. Louis City MSA City as Percent of Total St. Louis City MSA City as Percent of Total

Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans

Bank of America 9,410 88 82,732 416 11.37% 21.15% Bank of America 14,017 118 109,952 547 12.75% 21.57%
BMO Harris* BMO Harris*
Busey Bank 1,211 10 9,949 58 12.17% 17.24% Busey Bank 3,362 21 30,692 161 10.95% 13.04%
Commerce Bank 1,930 26 19,914 170 9.69% 15.29% Commerce Bank 3,095 65 31,958 439 9.68% 14.81%
First Bank 311 4 5,493 42 5.66% 9.52% First Bank 1,037 11 9,751 101 10.63% 10.89%
First Financial Bank 239 4 330 6 72.42% 66.67% First Financial Bank 239 4 383 7 62.40% 57.14%
Lindell Bank 60 1 310 2 19.35% 50.00% Lindell Bank 60 1 310 2 19.35% 50.00%
Midwest Bank 1,402 15 14,235 61 9.85% 24.59% Midwest Bank 2,319 88 16,479 205 14.07% 42.93%
PNC Bank 5,349 30 36,929 172 14.48% 17.44% PNC Bank 7,112 87 48,195 418 14.76% 20.81%
Regions Bank 2,783 39 27,343 221 10.18% 17.65% Regions Bank 5,321 80 38,526 396 13.81% 20.20%
Reliance Bank 214 2 4,391 22 4.87% 9.09% Reliance Bank 234 6 4,759 36 4.92% 16.67%
Royal Banks 735 2 0.00% 0.00% Royal Banks 735 2 0.00% 0.00%
UMB Bank 283 2 1,756 12 16.12% 16.67% UMB Bank 421 3 1,919 14 21.94% 21.43%
US Bank 16,431 133 108,630 777 15.13% 17.12% US Bank 26,963 273 163,162 1,392 16.53% 19.61%
Grand Total 39,623 354 312,747 1,961 12.67% 18.05% Grand Total 64,180 757 456,821 3,720 14.05% 20.35%

Notes:
* The data provided by the bank does not include loan denials

55
56
Loan Denials – County Total
Home Purchase
St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
* The data provided by
Bank of America 4,166 25 17,346 67 1612 11 800 7 356 4 24,280 114 the bank does not
BMO Harris* include loan denials
Busey Bank 2151 11 12057 53 3872 20 2387 18 276 1 20,743 103
Commerce Bank 60 1 2,792 15 1310 7 897 5 5,059 28
First Bank 560 5 2194 12 582 4 346 4 164 4 3,846 29
First Financial Bank 53 1 53 1
Lindell Bank 0 0
Midwest Bank 587 5 328 4 244 2 55 1 1,214 12
PNC Bank 864 7 4709 17 1941 13 197 3 170 3 7,881 43
Regions Bank 1382 10 4204 28 671 3 1219 7 7,476 48
Reliance Bank 131 1 182 2 313 3
Royal Banks 0 0
UMB Bank 138 1 138 1
US Bank 5636 35 16531 89 10288 48 2868 20 294 5 35,617 197
Grand Total 15,544 100 60,292 286 20,755 111 8,769 65 1,260 17 106,620 579

Home Improvement
St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 441 5 2,057 8 355 3 87 1 2,940 17
BMO Harris*
Busey Bank 0 0
Commerce Bank 1,105 38 2,342 99 2424 52 1054 49 60 3 6,985 241
First Bank 166 2 56 8 100 8 20 2 70 10 412 30
First Financial Bank 0 0
Lindell Bank 0 0
Midwest Bank 330 68 313 56 216 1 171 7 1,030 132
PNC Bank 899 50 1437 88 671 31 337 29 41 5 3,385 203
Regions Bank 1156 31 1466 70 439 15 621 10 25 1 3,707 127
Reliance Bank 20 4 35 7 55 11
Royal Banks 0 0
UMB Bank 25 1 25 1
US Bank 4896 105 8460 176 2611 67 1534 41 1414 29 18,915 418
Grand Total 9,013 303 16,191 513 6,816 177 3,824 139 1,610 48 37,454 1180

57
Refinance
St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
* The data provided by
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans the bank does not
Bank of America 9,410 88 52,620 196 13,841 84 4,900 36 1,961 12 82,732 416 include loan denials
BMO Harris*
Busey Bank 1,211 10 5948 32 2186 13 604 3 9,949 58
Commerce Bank 1,930 26 10,542 79 4468 33 2974 32 19,914 170
First Bank 311 4 1884 18 1752 12 196 2 1350 6 5,493 42
First Financial Bank 239 4 91 2 330 6
Lindell Bank 60 1 250 1 310 2
Midwest Bank 1402 15 10369 33 316 1 1288 10 860 2 14,235 61
PNC Bank 5349 30 19977 77 7432 42 1155 12 3016 11 36,929 172
Regions Bank 2783 39 17326 122 3797 35 2554 21 883 4 27,343 221
Reliance Bank 214 2 2,809 12 1,158 7 210 1 4,391 22
Royal Banks 735 2 735 2
UMB Bank 283 2 783 6 334 2 356 2 1,756 12
US Bank 16431 133 64,163 433 17557 125 7411 66 3068 20 108,630 777
Grand Total 39,623 354 187,497 1,013 52,841 354 21,438 184 11,348 56 312,747 1,961

Total: All Loan Types

St. Louis City St. Louis County St. Charles County Jefferson County Franklin County MSA
Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans Amount ($) Loans
Bank of America 14,017 118 72,023 271 15,808 98 5,787 44 2,317 16 109,952 547
BMO Harris*
Busey Bank 3,362 21 18,005 85 6,058 33 2,991 21 276 1 30,692 161
Commerce Bank 3,095 65 15,676 193 8,202 92 4,925 86 60 3 31,958 439
First Bank 1,037 11 4,134 38 2,434 24 562 8 1,584 20 9,751 101
First Financial Bank 239 4 91 2 53 1 383 7
Lindell Bank 60 1 250 1 0 0 0 0 0 0 310 2
Midwest Bank 2,319 88 11,010 93 776 4 1,514 18 860 2 16,479 205
PNC Bank 7,112 87 26,123 182 10,044 86 1,689 44 3,227 19 48,195 418
Regions Bank 5,321 80 22,996 220 4,907 53 4,394 38 908 5 38,526 396
Reliance Bank 234 6 2,975 20 1,340 9 0 0 210 1 4,759 36
Royal Banks 0 0 735 2 0 0 0 0 0 0 735 2
UMB Bank 421 3 808 7 334 2 356 2 0 0 1,919 14
US Bank 26,963 273 89,154 698 30,456 240 11,813 127 4,776 54 163,162 1392
Grand Total 64,180 757 263,980 1,812 80,412 642 34,031 388 14,218 121 456,821 3,720

58
Percent of Applications Denied by Institution Percent of Applications Denied by Institution
St. St.
St. Louis St. Louis Jefferson Franklin St. Louis St. Louis Jefferson Franklin
Charles MSA Charles MSA
City County County County City County County County
County County
Bank of America 21.73% 16.51% 13.26% 15.07% 24.62% 16.68% PNC Bank 50.88% 36.62% 33.20% 43.56% 40.43% 38.88%
Loan Denials 118 271 98 44 16 547 Loan Denials 87 182 86 44 19 418
Total Loan Applications 543 1,641 739 292 65 3,280 Total Loan Applications 171 497 259 101 47 1,075
BMO Harris* Regions Bank 40.40% 33.90% 24.42% 31.40% 45.45% 33.11%
Loan Denials Loan Denials 80 220 53 38 5 396
Total Loan Applications Total Loan Applications 198 649 217 121 11 1,196
Busey Bank 6.36% 5.04% 3.43% 7.98% 2.00% 4.89% Reliance Bank 18.18% 16.81% 16.67% 0.00% 20.00% 16.14%
Loan Denials 21 85 33 21 1 161 Loan Denials 6 20 9 0 1 36
Total Loan Applications 330 1687 963 263 50 3,293 Total Loan Applications 33 119 54 12 5 223
Commerce Bank 30.23% 21.09% 21.55% 30.18% 18.75% 23.63% Royal Banks 0.00% 12.50% 0.00% 0.00% 0.00% 8.33%
Loan Denials 65 193 92 86 3 439 Loan Denials 0 2 0 2
Total Loan Applications 215 915 427 285 16 1,858 Total Loan Applications 7 16 1 24
First Bank 11.58% 5.31% 6.19% 7.55% 23.81% 7.27% UMB Bank 21.43% 10.29% 11.76% 18.18% 0.00% 12.61%
Loan Denials 11 38 24 8 20 101 Loan Denials 3 7 2 2 0 14
Total Loan Applications 95 716 388 106 84 1,389 Total Loan Applications 14 68 17 11 1 111
First Financial Bank 66.67% 18.18% 41.67% 0.00% 0.00% 16.28% US Bank 30.92% 20.27% 13.54% 19.16% 21.51% 19.85%
Loan Denials 4 2 1 0 0 7 Loan Denials 273 698 240 127 54 1,392
Total Loan Applications 6 11 24 1 1 43 Total Loan Applications 883 3,444 1,772 663 251 7,013
Lindell Bank 2.13% 0.88% 0.00% 0.00% 0.00% 1.05% All Banks 26.73% 17.10% 12.90% 19.76% 22.32% 17.79%
Loan Denials 1 1 2 Loan Denials 757 1,812 642 388 121 3,720
Total Loan Applications 47 113 29 1 190 Total Loan Applications 2,832 10,596 4,976 1,964 542 20,910
Midwest Bank 37.45% 15.53% 4.71% 16.67% 18.18% 19.75%
Loan Denials 88 93 4 18 2 205
Total Loan Applications 235 599 85 108 11 1,038

* The data provided by the bank does not include loan denials or loan applications

59
 Loan Denials - City Total
Loan Denials by Census Tract in St. Louis City Loan Denials by Census Tract in St. Louis City
Home Home
Home Purchase Improvement Refinance Total: All Types Home Purchase Improvement Refinance Total: All Types
Amount Amount
Tract (S) Loans Amount (S) Loans Amount (S) Loans Amount (S) Loans Tract (S) Loans Amount (S) Loans Amount (S) Loans Amount (S) Loans
1011 191 2 185 5 346 5 722 12 1076 129 6 129 6
1012 116 1 290 4 406 5 1081 40 8 129 3 169 11
1013 292 2 133 4 715 7 1,140 13 1082 63 4 84 2 147 6
1014 165 2 13 4 184 2 362 8 1083 1,120 1 80 3 153 3 1,353 7
1015 96 2 100 3 330 4 526 9 1096 153 9 35 1 188 10
1018 62 3 444 7 506 10 1097 53 4 53 4
1021 10 1 252 3 262 4 1101 54 3 116 3 170 6
1022 749 4 25 1 978 6 1,752 11 1102 112 8 112 8
1023 53 3 107 2 160 5 1103 50 6 156 4 206 10
1024 2 1 694 9 696 10 1104 40 4 243 4 283 8
1025 284 2 36 3 339 3 659 8 1105 4 2 79 1 83 3
1031 75 1 437 4 512 5 1111 65 5 409 4 474 9
1034 416 2 416 2 1112 34 2 238 2 272 4
1036 488 3 488 3 1113 39 1 55 2 94 3
1037 316 3 221 4 477 5 1,014 12 1114 88 3 22 1 110 4
1038 300 2 1,121 13 1,421 15 1115 165 2 165 2
1042 320 1 253 6 717 6 1,290 13 1121 764 1 143 3 129 1 1,036 5
1045 59 1 5 1 136 2 200 4 1122 25 2 15 1 40 3
1051.98 261 2 323 2 584 4 1123 20 4 190 3 210 7
1052 46 3 585 4 631 7 1124 1,304 4 25 1 4,020 5 5,349 10
1053 267 1 40 5 235 2 542 8 1135 113 1 202 4 315 5
1054 30 1 45 1 75 2 1141.01 801 5 756 6 1,557 11
1055 6 2 6 2 1141.02 10 1 717 7 727 8
1061 131 8 131 8 1142 180 2 12 2 965 8 1,157 12
1062 10 2 24 1 34 3 1143 217 2 125 2 1,125 9 1,467 13
1063 50 3 97 2 147 5 1151 112 1 62 1 434 6 608 8
1064 17 3 120 1 137 4 1152 293 2 91 3 384 5
1065 10 2 10 2 1153 405 5 47 5 632 9 1,084 19
1066 13 3 13 3 1154 100 1 117 4 623 9 840 14
1067 39 1 78 6 118 3 235 10 1155 53 1 272 9 228 5 553 15
1072 30 2 36 2 66 4 1156 252 3 137 8 558 5 947 16
1073 101 1 215 14 257 4 573 19 1157 98 1 99 2 453 7 650 10
1074 14 2 35 1 49 3 1161 352 3 50 2 751 7 1,153 12
1075 84 2 92 5 246 3 422 10 1162 354 3 30 4 923 7 1,307 14

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Loan Denials by Census Tract in St. Louis City Loan Denials by Census Tract in St. Louis City
Home Home
Home Purchase Improvement Refinance Total: All Types Home Purchase Improvement Refinance Total: All Types
Amount Amount
Tract (S) Loans Amount (S) Loans Amount (S) Loans Amount (S) Loans Tract (S) Loans Amount (S) Loans Amount (S) Loans Amount (S) Loans
1163.01 179 1 385 3 755 6 1,319 10 1241 18 1 148 8 576 5 742 14
1163.02 285 3 5 1 210 3 500 7 1242 189 3 8 2 55 1 252 6
1164 56 1 180 7 50 1 286 9 1243 458 4 45 2 101 2 604 8
1165 64 1 138 1 566 5 768 7 1246 89 1 89 1
1171 200 1 305 3 505 4 1255 204 1 407 2 611 3
1172 181 1 1,151 4 765 5 2,097 10 1256 361 2 387 2 748 4
1174 358 1 173 4 661 6 1,192 11 1257 14 1 14 1
1181 1,092 11 1,092 11 1266 169 2 24 3 100 2 293 7
1184 1267 140 2 47 1 187 3
1186 180 1 33 3 567 3 780 7 1268 497 2 55 2 1,244 17 1,796 21
1191.01 436 1 436 1 1269 72 3 88 2 160 5
1191.02 225 1 177 2 402 3 1270 34 1 34 1
1192 118 1 206 2 324 3 1271 3 1 3 1
1193 6 2 6 2 1272 64 1 154 5 1,540 11 1,758 17
1202 6 2 6 2 1273 101 1 125 2 588 4 814 7
1211 1274 224 1 28 2 1,026 5 1,278 8
1212 5 1 5 1 1275
1231 246 2 190 4 601 5 1,037 11 1276 15 1 1,074 6 1,089 7
1232 170 1 90 2 1,746 4 2,006 7 Not Provided 107 2
1233 527 2 734 2 1,261 4 Grand Total 15,544 100 9,013 303 39,623 354 64,180 757

Notes
*No Loans Denied in Tracts 1184, 1211, or 1275.
**This table does not include loan denials from BMO Harris.

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Appendix A - Maps

62
Appendix B – Bank Rankings

City Loans: Value City Loans: Number

Rank Institution
Amount (in
Rank Institution # Loans City of St. Louis Loan Value, 2016
Thousands)
50,000
1 US Bank 47,551 1 US Bank 345 45,000
40,000
2 Busey Bank 47,470 2 Busey Bank 246
35,000
3 Bank of America 37,705 3 Bank of America 237
30,000
4 Reliance Bank 16,771 4 Midwest BankCentre 131
25,000
5 Commerce Bank 15,979 5 Commerce Bank 119 20,000
6 Midwest BankCentre 13,115 6 Regions Bank 76 15,000
7 First Bank 11,659 7 First Bank 67 10,000
8 Royal Bank 10,785 8 PNC Bank 63 5,000
9 Regions Bank 8,062 9 BMO Harris 56 0
10 PNC Bank 7,043 10 Lindell Bank 46
11 BMO Harris 5,876 11 Reliance Bank 19
12 Lindell Bank 5,654 12 UMB Bank 11
13 UMB Bank 2,700 13 Royal Bank 5
14 First Financial 276 14 First Financial 1
Amount (in Thousands)
Grand Total 230,646 Grand Total 1,422

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MSA Loans: Value MSA Loans: Number
MSA Loan Value, 2016
Amount (in
Rank Institution Rank Institution # Loans 700,000
Thousands)
1 US Bank 605,316 1 US Bank 3,499 600,000
2 Busey Bank 560,913 2 Busey Bank 2,570
500,000
3 Bank of America 345,644 3 Bank of America 1,648
4 First Bank 234,489 4 First Bank 1,061 400,000
5 Midwest BankCentre 183,037 5 Commerce Bank 1,050
300,000
6 Commerce Bank 166,604 6 Midwest BankCentre 745
7 Regions Bank 91,285 7 Regions Bank 575 200,000
8 UMB Bank 87,873 8 PNC Bank 507
100,000
9 PNC Bank 84,477 9 Lindell Bank 187
10 Reliance Bank 45,501 10 BMO Harris 177 0

11 BMO Harris 28,828 11 Reliance Bank 115

12 Lindell Bank 22,392 12 UMB Bank 85
13 Royal Bank 12,734 13 First Financial 23
14 First Financial 3,528 14 Royal Bank 16
Grand Total 2,472,621 Grand Total Total 12,258 Amount (in Thousands)

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Appendix C – St. Louis City Tract Loan Information

Bank of Commerce First Financial Midwest

2015 Est. BMO Harris Busey Bank First Bank Lindell Bank PNC Bank Regions Bank Reliance Bank Royal Banks Royal Bank US Bank
Distressed America Bank Bank BankCenter
Tract Tract Tract
Tract or Under- Tract
Income Median Minority
Code served Pop.
Level Family %
Tract
Income Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt
Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans
(000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s)

1011 Middle No $60,928 2,600 15.46 64 1 87 2 180 2 60 1 250 3 2 156 157 1 238 2 364 3
1012 Middle No $74,907 3,100 11.97 677 6 338 4 559 5 68 1 138 1 2 235 180 2 160 2 306 4
1013 Middle No $69,503 4,336 17.41 775 7 140 1 873 7 128 1 633 4 1 116 140 1 296 4 426 4
1014 Moderate No $46,970 2,703 37.88 79 1 121 1 195 2 7 1 52 1 3 76 25 1 348 2
1015 Low No $31,724 3,126 39.8 7 1 3 175 60 1 97 1
1018 Low No $32,305 3,092 40.17 664 2 170 1 3 79 83 2
1021 Moderate No $52,808 2,780 11.69 182 2 219 2 196 2 108 1 1 119 91 1 15 1 370 1 655 6
1022 Upper No $95,186 6,028 7.5 2055 15 50 1 1031 7 299 2 332 3 194 1 3 247 147 2 235 2 120 1 1857 16
1023 Middle No $64,890 1,846 10.4 223 2 85 1 353 3 61 1 122 1 121 1 125 1
1024 Moderate No $49,063 2,478 18.12 68 1 326 3 119 2 5 1 6 302 80 2 105 1 363 4
1025 Middle No $68,278 1,918 12.25 108 1 268 3 126 1 69 1 1 69 208 3 123 1 507 5
1031 Upper No $91,854 3,299 13.76 577 4 125 1 751 5 626 3 226 1 406 2 40 1 233 2 939 8
1034 Upper No $95,249 1,968 9.3 607 5 76 1 323 3 185 2 101 1 21 1 66 2 492 6
1036 Middle No $56,077 1,329 12.49 521 3 95 2 12 1 1 99 10 1 97 1
1037 Middle No $68,411 2,531 12.84 994 9 230 2 442 4 289 4 440 4 123 2 3 276 47 1 798 7
1038 Middle No $77,490 3,819 9.61 1512 11 118 2 389 5 260 1 326 2 167 2 1452 12
1042 Middle No $65,114 3,401 14.88 180 2 1117 8 431 4 94 1 476 4 135 1 109 1 2105 2 423 4
1045 Moderate No $49,721 1,846 24.81 320 2 623 6 102 1 236 1 2 335 378 4
1051.98 Upper No $95,620 3,463 31.3 839 4 360 1 1891 4 2728 6 268 2 1 402 995 4
1052 Upper No $86,541 2,675 64.37 1131 3 1011 4 666 4 123 1 109 1 1 100 372 3
1053 Low No $16,268 2,203 94.05 65 1 221 2 1 5
1054 Low No $34,237 2,507 92.58 3 207 125 1
1055 Middle No $63,553 2,922 97.33 112 1 2 303 168 1
1061 Moderate No $35,112 2,427 99.09 9 1 2 103
1062 Low No $22,960 1,738 98.96 2 7 24 1
1063 Low No $28,238 1,966 99.34 1 5
1064 Low No $30,100 2,392 99.08
1065 Low No $31,962 3,267 96.85 13 1 1 5
1066 Low No $22,309 1,783 99.44 7 1 10 1
1067 Low No $29,435 3,515 99.2 12 1 34 1 15 1
1072 Low No $29,281 1,342 98.51 1 5
1073 Moderate No $44,835 4,983 99 14 1 44 1 2 58 59 2
1074 Moderate No $40,362 2,788 98.85 23 1
1075 Low No $32,053 2,711 98.89 5 1 5 1
1076 Low No $29,757 2,225 99.69 29 1 1 3
1081 Moderate No $43,099 3,403 96.03 1 5 6 1 72 1
1082 Middle No $62,636 2,698 96.4 6 1
1083 Moderate No $35,420 2,267 94.66 29 1 1 3
1096 Moderate No $35,518 3,316 99.52 45 1

65
 2015 Est. Bank of Commerce First Financial
Distressed BMO Harris Eagle Bank First Bank Lindell Bank Midwest Bank PNC Bank Pulaski Bank Regions Bank Reliance Bank Royal Bank US Bank
Tract Tract Tract America Bank Bank
Tract or Under- Tract
Income Median Minority
Code served Pop.
Level Family %
Tract Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt
Income Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans
(000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s)

1097 Low No $25,599 2,487 95.5 95 1 1 5 19 1 32 1

1101 Low No $25,641 2,984 98.86 24 1 54 2 24 1
1102 Low No $31,640 2,654 98.53 8 1
1103 Low No $34,272 2,483 99.23 1 47 46 1
1104 Moderate No $39,291 2,539 98.62 39 1
1105 Low No $24,626 1,562 98.21
1111 Low No $30,275 1,556 97.11 124 1 45 1 279 4
1112 Low No $23,191 1,276 94.04 180 2
1113 Low No $24,409 1,554 99.16 85 2
1114 Low No $25,977 1,643 99.09 18 1
1115 Low No $32,529 1,010 97.92
1121 Middle No $64,456 4,285 36.5 3570 6 2919 7 750 1 415 1 2 1035 300 1 1825 2 4539 15
1122 Moderate No $44,002 1,586 96.97 260 2 285 2
1123 Low No $25,256 2,415 98.92
1124 Upper No $98,847 4,023 34.53 2248 4 3105 6 972 2 764 2 769 3 16 1 7850 1 252 1 914 2
1135 Middle No $56,595 2,331 6.39 620 5 300 4 443 4 102 1 401 1 70 1 485 7
1141.01 Moderate No $55,776 4,281 30.95 893 8 808 6 407 4 243 2 3 192 277 2 120 1 80 1 956 9
1141.02 Upper No $93,877 4,128 7.61 1490 11 618 3 903 4 285 1 734 3 625 4 3 646 15 1 700 5 2336 11
1142 Middle No $64,085 4,721 18.03 761 8 325 5 208 2 288 2 684 5 246 2 3 442 143 1 613 6 201 1 1115 9
1143 Middle No $72,779 5,485 12.82 2380 17 140 1 1582 12 35 1 341 3 2 247 25 2 1287 9 2906 21
1151 Moderate No $46,158 4,287 28.2 71 1 36 1 57 1 3 22 141 2 333 5
1152 Low No $25,984 3,149 54.68 155 2 127 1 1 52 143 2 151 2
1153 Moderate No $35,105 4,958 50.83 282 4 150 3 181 3 14 1 79 1 34 1 3 65 81 1 287 2 425 6
1154 Moderate No $38,066 3,122 33.02 125 3 212 3 69 1 50 1 3 130 52 1 66 2 115 1 155 1
1155 Moderate No $36,512 5,625 64.6 54 1 38 1 122 2 4 18 73 1 23 1 47 2
1156 Moderate No $39,690 5,279 56.83 600 4 234 1 1402 6 51 1 1 80 92 2
1157 Low No $32,088 3,567 70.17 76 1 46 1 86 2 2 169 153 2
1161 Low No $30,709 3,274 57.27 349 4 78 1 382 3 15 1 54 1 2 120 80 1 79 1 950 1 279 5
1162 Moderate No $55,293 4,325 37.53 2266 13 1033 7 782 5 115 1 275 1 7 915 297 3 273 2 1335 9
1163.01 Moderate No $45,094 2,999 37.18 464 2 185 1 604 4 145 3 643 2 296 2 34 1 340 1 521 6
1163.02 Low No $27,860 3,007 78.18 190 2 93 2 3 444 175 2 150 1 32 1 602 5
1164 Low No $26,215 4,891 77.98 413 3 58 1 1 26 13 1 378 3
1165 Moderate No $46,228 3,844 59.65 608 3 72 1 1046 4 243 4 3 301 102 1 1476 8
1171 Moderate No $53,984 1,537 32.01 243 2 564 5 245 1 1 188 209 2
1172 Moderate No $46,893 5,359 54 1635 9 100 1 2153 10 824 5 88 1 3 466 807 3 220 1 3095 17
1174 Middle No $78,792 4,235 44.91 384 3 171 1 515 2 430 3 412 2 2 345 1513 7
1181 Moderate No $44,765 1,324 74.77 346 2 1351 6 1 148 8500 1 606 3
1184 Unknown No $0 1,159 38.74
1186 Low No $33,089 3,421 53.26 643 4 1017 5 370 3 175 1 3 348 158 1 110 1 4574 2 481 3
1191.01 Middle No $72,632 2,584 50.15 1147 5 157 1 731 3 395 1 481 3 834 2
1191.02 Middle No $78,183 2,994 38.14 149 1 4831 8 3 1039 352 2 596 4
1192 Upper No $107,597 1,703 64.18 272 1 770 5 558 2 262 1 417 1 894 4

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 Bank of Commerce First Financial
2015 Est. BMO Harris Eagle Bank First Bank Lindell Bank Midwest Bank PNC Bank Pulaski Bank Regions Bank Reliance Bank Royal Bank US Bank
Distressed America Bank Bank
Tract Tract Tract
Tract or Under- Tract
Income Median Minority
Code served Pop.
Level Family %
Tract
Income Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt Amt
Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans Loans
(000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s) (000s)

1193 Low No $29,470 5,454 40.98 100 1

1202 Low No $30,387 1,271 90.64 1 1
1211 Low No $26,068 1,941 86.55
1212 Low No $15,309 2,474 99.23
1231 Moderate No $39,221 3,351 72.52 531 3 250 2 209 3 331 1 74 1 2 261 499 3 56 1 590 4
1232 Middle No $67,018 2,298 41.56 221 2 1667 9 1 228 457 2 699 3
1233 Moderate No $43,841 2,586 35.81 333 2 606 4 331 2 203 1 28 1 3 507 15 1 824 5
1241 Moderate No $38,584 4,644 80.81 25 1 69 2 80 1 82 1 1 112 100 1 158 2
1242 Low No $25,081 3,201 74.88 231 2 1 5 20 1 166 2
1243 Moderate No $55,741 3,131 36.98 321 2 262 1 1608 6 182 1 238 1 60 1 2 176 312 2 292 1 594 4
1246 Low No $19,691 1,845 71.71 64 1
1255 Middle No $83,475 2,885 41.59 140 1 150 2 92 1 276 1 169 2
1256 Moderate No $48,153 4,113 52.47 104 1 22 1 435 2 152 1 195 1 81 1
1257 Low No $10,283 3,329 98.38 150 1 57 1
1266 Low No $24,297 3,543 82.13 111 2 274 2 244 2 1 3
1267 Low No $26,467 1,258 78.38 1 3
1268 Middle No $61,859 3,698 19.52 1117 7 720 4 238 3 90 1 431 3 1 271 123 2 110 2 71 1 931 10
1269 Low No $34,055 5,016 99.1 67 2 14 1 5 1
1270 Low No $23,548 2,470 85.99
1271 Low No $33,320 2,234 97.31 25 1
1272 Middle No $61,411 4,075 26.01 337 4 278 4 292 3 88 3 238 1 1 109 717 4 647 4 747 9
1273 Moderate No $51,478 3,769 72.88 742 3 794 4 266 2 1 256 95 1 1850 3 901 4
1274 Low No $15,617 4,795 75.54 887 3 1670 7 1216 3 84 1 1 5 5 1 1077 6
1275 Low No $25,529 2,237 77.29 62 1 133 1 87 1 16 1
1276 Upper No $90,251 3,239 26.46 269 2 774 5 400 1 2 193 218 1 789 4
Total 37,705 237 5,876 56 47,470 246 15,979 119 11,659 67 276 1 5,654 46 131 13,115 7,043 63 8,062 76 16,771 19 10,785 5 2,700 11 47,551 345

67
Appendix D: Ordinances & Methodology & Terms
Ordinance 57332

Section Eight Each year, following the receipt of the applications, the Treasurer shall forward the information from the applying banks concerning their mortgage lending practices and policies to the Planning & Urban
Design Agency (PDA) which shall prepare a report on the performance of the various applying institutions in respect to their lending activity in the City of St Louis This report shall consider the materials submitted by the
applying banks as well as other material relevant to lending activity in the City of St Louis which the Planning and Urban Design Agency is able to obtain. PDA shall present its report, with the materials from the applying
banks attached, to the Treasurer so that the Treasurer may forward this report to the Funds Committee of the City of St Louis for its use in the designation of depositories.

Ordinance 57500

Section Nine All applications and other material received from the banks and the report prepared by the Planning & Urban Design Agency shall be delivered to the Treasurer not later than June 30 and shall be reported by
the Treasurer to the Funds Committee of the City, made up of the Mayor, the Comptroller, and the Treasurer.

Methodology and Terms

The figures for 1996 through 2001 were obtained from reports from previous years. Figures from 2002 through 2016 were based upon the electronic data the Depositor Applicant Banks submitted to the City of St. Louis.

The general categories of the various tables and maps contained within this report are defined as follows:

Amount of City Loans: The total dollar amount of City residential loans originated by an applicant bank. This number includes home purchase loans, the refinancing of home purchase loans & home improvement loans.

Amount of MSA Loans: The total dollar amount of residential loans in the St. Louis MSA originated by an applicant bank.

Assets: A measure of a bank’s worth and size based upon the total holdings of the bank.

Asset to Loan Ratio: A bank’s total dollar amount of city loans divided by its total assets. This is used to normalize the value of a bank’s loan activity.

City as a % of MSA Number & Amount: number of residential city loans (number & amount) divided by the total MSA loans.

Number of City Loans: The total number of residential loans originated by an applicant bank in the City. This number includes home purchase loans, the refinancing of home purchase loans & home improvement loans.

Number of Applications: The total number of residential loan applications submitted to an applicant bank in the City. This number includes home purchase loans, the refinancing of home purchase loans & home
improvement loans.

Number of Denials: The total number of residential loan denials by an applicant bank in the City. This number includes home purchase loans, the refinancing of home purchase loans & home improvement loans.

68