Documentary Credit World

Documentary Credit World (DCW) - September 2023 Vol. 27 No.8 section - Statistics

US BANKS

DCW reports data from US Federal Deposit Insurance Corp. (FDIC) Call Reports on top US banks in terms of LC activity. Net Financial LCs and Net Performance LCs reflect net after subtracting respective amounts conveyed to others. Net LCs reflect totals for Net Financial LCs, Net Performance LCs and Commercial & Similar LCs. Numbers are in US$ 1,000s.

2ND QUARTER 2023

Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
1.	CITIBANK NA	SIOUX FALLS	SD	60,373,000	9,065,000	69,438,000	4,858,000	74,296,000
2.	WELLS FARGO BK NA	SIOUX FALLS	SD	67,043,000	4,336,000	71,379,000	1,643,000	73,022,000
3.	BANK OF AMER NA	CHARLOTTE	NC	30,478,000	3,979,000	34,457,000	1,170,000	35,627,000
4.	JPMORGAN CHASE BK NA	COLUMBUS	OH	23,940,000	4,893,000	28,833,000	3,783,000	32,616,000
5.	U S BK NA	CINCINNATI	OH	9,520,859	1,184,020	10,704,879	548,029	11,252,908
6.	PNC BK NA	WILMINGTON	DE	8,263,603	1,893,164	10,156,767	234,324	10,391,091
7.	T D BK NA	WILMINGTON	DE	8,909,680	704,510	9,614,190	9,633	9,623,823
8.	HSBC BK USA NA	TYSONS	VA	5,759,460	3,305,700	9,065,160	422,148	9,487,308
9.	TRUIST BK	CHARLOTTE	NC	4,730,000	393,000	5,123,000	39,000	5,162,000
10.	GOLDMAN SACHS BK USA	NEW YORK	NY	4,856,000	250,000	5,106,000	0	5,106,000
11.	FIRST-CITIZENS B&TC	RALEIGH	NC	4,601,957	109,372	4,711,329	75,693	4,787,022
12.	BMO HARRIS BK NA	CHICAGO	IL	3,199,977	620,380	3,820,357	159,738	3,980,095
13.	COMERICA BK	DALLAS	TX	3,507,000	213,000	3,720,000	42,000	3,762,000
14.	KEYBANK NA	CLEVELAND	OH	2,979,515	354,045	3,333,560	78,095	3,411,655
15.	MORGAN STANLEY BK NA	SALT LAKE CITY	UT	3,133,000	0	3,133,000	0	3,133,000
16.	MANUFACTURERS&TRADRS	BUFFALO	NY	1,936,546	442,511	2,379,057	65,564	2,444,621
17.	EAST WEST BK	PASADENA	CA	2,257,054	103,717	2,360,771	33,489	2,394,260
18.	CITIZENS BK NA	PROVIDENCE	RI	1,994,185	111,624	2,105,809	71,422	2,177,231
19.	FIFTH THIRD BK NA	CINCINNATI	OH	1,231,000	893,000	2,124,000	6,000	2,130,000
20.	BANK OF NY MELLON	NEW YORK	NY	1,779,000	18,000	1,797,000	46,000	1,843,000
21.	REGIONS BK	BIRMINGHAM	AL	1,420,000	363,000	1,783,000	19,000	1,802,000
22.	NORTHERN TC	CHICAGO	IL	1,513,750	156,267	1,670,017	36,034	1,706,051
23.	STATE STREET B&TC	BOSTON	MA	1,576,000	14,000	1,590,000	0	1,590,000
24.	CAPITAL ONE NA	MC LEAN	VA	1,100,503	192,460	1,292,963	95	1,293,058
25.	CITY NB	LOS ANGELES	CA	820,953	126,000	946,953	161,609	1,108,562
26.	FLAGSTAR BK NA	HICKSVILLE	NY	791,468	110,434	901,902	38,654	940,556
27.	SANTANDER BK NA	WILMINGTON	DE	558,911	233,333	792,244	11,115	803,359
28.	ZIONS BC NA	SALT LAKE CITY	UT	564,353	176,225	740,578	35,993	776,571
29.	BOKF NA	TULSA	OK	721,908	42,557	764,465	1,440	765,905
30.	FIRST HORIZON BK	MEMPHIS	TN	635,451	122,416	757,867	4,949	762,816
31.	HUNTINGTON NB	COLUMBUS	OH	671,079	78,233	749,312	10,420	759,732
32.	POPPY BK	SANTA ROSA	CA	721,881	0	721,881	0	721,881
33.	MORGAN STANLEY PRIV BK	PURCHASE	NY	604,000	0	604,000	0	604,000
34.	COMMERCE BK	KANSAS CITY	MO	422,503	167,785	590,288	5,740	596,028
35.	CIBC BK USA	CHICAGO	IL	479,315	61,363	540,678	8,827	549,505
36.	VALLEY NB	PASSAIC	NJ	464,511	24,178	488,689	36,540	525,229
37.	TEXAS CAP BK	DALLAS	TX	383,164	102,361	485,525	3,000	488,525
38.	WEBSTER BK NA	STAMFORD	CT	363,240	47,548	410,788	54,196	464,984
39.	CADENCE BK	TUPELO	MS	395,086	44,050	439,136	18,680	457,816
40.	UMB BK NA	KANSAS CITY	MO	437,733	0	437,733	3,230	440,963
41.	MIZUHO BK USA	NEW YORK	NY	342,961	90,175	433,136	0	433,136
42.	HANCOCK WHITNEY BK	GULFPORT	MS	332,437	92,215	424,652	0	424,652
43.	FROST BK	SAN ANTONIO	TX	308,929	77,558	386,487	2,443	388,930
44.	UBS BK USA	SALT LAKE CITY	UT	356,337	0	356,337	0	356,337
45.	PINNACLE BK	NASHVILLE	TN	208,728	124,263	332,991	0	332,991
46.	FULTON BK NA	LANCASTER	PA	120,629	131,250	251,879	53,816	305,695
47.	PACIFIC WESTERN BK	BEVERLY HILLS	CA	249,618	50,481	300,099	286	300,385
48.	DEUTSCHE BK TC AMERICAS	NEW YORK	NY	240,000	55,000	295,000	0	295,000
49.	CATHAY BK	LOS ANGELES	CA	283,588	28	283,616	10,515	294,131
50.	ASSOCIATED BK NA	GREEN BAY	WI	134,219	118,293	252,512	3,728	256,240

ANALYSIS OF VALUES OUTSTANDING OF LETTERS OF CREDIT FOR US BANKS: SECOND QUARTER 2023

Introduction & Methodology

DCW continues its enhanced analysis of the LC issuance statistics appearing in its quarterly reports. We expect this data in charts and graphs will raise questions and comments among DCW readers and we hope you will share thoughts with us. Please email info@iiblp.org with any feedback.

The charts and data referenced below are an analysis based on 2nd Quarter 2023 figures for US banks. While the raw numbers are quite useful, some visual comparisons and analysis provide better insight into the state of the field. Bank tiers represent the banks in those tiers based on “Net Letters of Credit” which is the total combined US dollar amount issued for Standby LCs (SLCs) and Commercial LCs (CLCs).

Comparing Total Commercial LCs
Issued to Total Standby LCs Issued
US banks have significantly higher dollar figure amounts of Standby LCs issued compared to Commercial LCs. Over 95% of the amounts issued are for Standby LCs to just under 5% for Commercial LCs. That is, USD 317.3 billion (down from USD 331.5 billion) issued for Standby LCs versus USD 14.9 billion (down from USD 16.7 billion) issued for Commercial LCs. The dollar amounts issued for Standby LCs show a drop of USD 14.5 billion (about 4%) compared to the prior quarter, 1Q23 while the amounts issued for
Commercial LCs dropped about USD 1.8 billion (see
Analysis, June 2023 DCW, p. 33).

Breaking Down Total LC Amounts Issued by
Bank Tier
We further broke down the Total LCs issued amount data into tiers by bank ranking: Banks 1-5, Banks 6-10, Banks 11-20, Banks 21-50, and Banks 51-600. We found that Banks 1-5 have as outstanding 68% (down from
69%) of the total LC amount issued in the market, or USD 226.8 billion. Banks 6-10 have about 12% (no change), totaling USD 39.7 billion, with Banks 11-20 amassing 9% (no change), or about USD 30 billion, Banks
21-50 with 6% (no change) totaling USD 20.5 billion, and
Banks ranked 51-600 garnering just over 5% (up from
4%) of the total amount outstanding, at USD 15 billion.
These dollar amounts and percentages have fluctuated
some compared to 1Q23 (see June 2023 DCW, p. 33).

Comparing Commercial LCs Issued by Bank Tier
When considering the amounts issued for Commercial LCs, we further broke down Commercial LC data into the same five tiers. We found that Banks 1-5 again possess a large share of the market with over 80% (up from 79%) of the total Commercial LC amount outstanding, or USD 12 billion. Banks 6-10 have about 5% (down from 8%), totaling just over USD 705 million, with Banks 11-20 at
4% (up from 3%), or about USD 578 million, Banks 21-50 with 3% (no change) totaling USD 520 million, and Banks 51-600 with about 8% (up from 7%) of the total amount at USD 1.1 billion. These dollar amounts and percentages have fluctuated some compared to 1Q23 (see June 2023 DCW, p. 33).

Comparing Standby LC Amounts Issued by Bank Tier

Continuing in the trend of comparing outstanding LC amounts by bank tier, we next consider the total value of Standby LCs. We again used Banks 1-5, Banks 6-10, Banks 11-20, Banks 21- 50, and Banks 51-600. We find that Banks 1-5 have as outstanding around 68% (no change) of the total amount, or USD 214.8 billion (down from USD 225.8 billion). Banks 6-10 have about 12% (no change), totaling USD 39 billion, with Banks 11-20 at 9% (no change), or about USD 29.4 billion, Banks 21-50 with 6% (down from 7%) totaling USD 20 billion, and finally Banks 51-600 accounting for about 4% (no change) of the total outstanding at USD 13.9 billion. These dollar amounts and percentages have fluctuated some compared to the prior quarter, 1Q23 (see Analysis, June 2023 DCW, p. 33).

Comparing Financial Standbys to Performance Standbys

Since Financial Standbys are typically issued for much larger amounts compared to Performance Standbys, it comes as no surprise that the total amount outstanding for Financial Standbys is about 87% (down from 88%) of the total value of Standbys issued, versus about 13% for Performance Standbys (up from 12%). In actual dollars, that is USD 276.6 billion (down from USD 291.1 bn) for Financial Standbys versus USD 40.6 bn (up from USD 40.4 bn) for Performance Standbys. These dollar amounts and percentages have fluctuated some compared to 1Q23 (see Analysis, DCW June 2023 p. 33).

Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
51.	FIRST HAWAIIAN BK	HONOLULU	HI	220,033	16,417	236,450	7,541	243,991
52.	WESTERN ALLI BK	PHOENIX	AZ	214,240	15,863	230,103	9,205	239,308
53.	FIRST NB OF PA	GREENVILLE	PA	229,901	0	229,901	0	229,901
54.	PREFERRED BK	LOS ANGELES	CA	0	220,098	220,098	6,059	226,157
55.	FIRST NB OF OMAHA	OMAHA	NE	178,601	34,250	212,851	154	213,005
56.	ALLY BK	SANDY	UT	211,000	2,000	213,000	0	213,000
57.	SYNOVUS BK	COLUMBUS	GA	88,163	114,712	202,875	1,036	203,911
58.	ISRAEL DISCOUNT BK NY	NEW YORK	NY	116,935	879	117,814	73,590	191,404
59.	CENTENNIAL BK	CONWAY	AR	169,930	16,853	186,783	0	186,783
60.	OLD NB	EVANSVILLE	IN	133,480	48,938	182,418	0	182,418
61.	BNC NB	GLENDALE	AZ	1,963	0	1,963	175,900	177,863
62.	BANK OF HOPE	LOS ANGELES	CA	122,839	1,221	124,060	52,674	176,734
63.	UNITED BK	FAIRFAX	VA	69,479	88,714	158,193	16,389	174,582
64.	BANKUNITED NA	MIAMI LAKES	FL	134,536	14,115	148,651	15,105	163,756
65.	ATLANTIC UNION BK	RICHMOND	VA	39,024	109,884	148,908	0	148,908
66.	BNY MELLON NA	PITTSBURGH	PA	146,000	2,000	148,000	0	148,000
67.	ARVEST BK	FAYETTEVILLE	AR	121,717	22,776	144,493	1,584	146,077
68.	TRUSTMARK NB	JACKSON	MS	121,723	21,022	142,745	0	142,745
69.	CITY NB OF FL	MIAMI	FL	104,281	36,242	140,523	305	140,828
70.	UMPQUA BK	LAKE OSWEGO	OR	100,340	29,093	129,433	0	129,433
71.	BRIDGEWATER BK	ST LOUIS PARK	MN	28,129	85,125	113,254	12,758	126,012
72.	BANK OF HAWAII	HONOLULU	HI	100,245	250	100,495	20,687	121,182
73.	WASHINGTON FED BK	SEATTLE	WA	119,363	0	119,363	0	119,363
74.	FIRST CMNTY BK	BLUEFIELD	VA	114,295	3,792	118,087	0	118,087
75.	RENASANT BK	TUPELO	MS	117,786	0	117,786	0	117,786
76.	AMARILLO NB	AMARILLO	TX	0	113,392	113,392	0	113,392
77.	WILSON B&TC	LEBANON	TN	10,762	99,086	109,848	0	109,848
78.	WASHINGTON TR BK	SPOKANE	WA	70,205	34,590	104,795	0	104,795
79.	ENTERPRISE B&TC	CLAYTON	MO	39,730	62,624	102,354	2,094	104,448
80.	VERITEX CMNTY BK	DALLAS	TX	102,935	0	102,935	0	102,935
81.	HANMI BK	LOS ANGELES	CA	75,297	448	75,745	25,941	101,686
82.	WOODFOREST NB	WOODLANDS	TX	2,325	897	3,222	97,467	100,689
83.	SOUTHSTATE BK NA	WINTER HAVEN	FL	87,878	11,367	99,245	0	99,245
84.	WILMINGTON SVG FD SOC	WILMINGTON	DE	51,030	45,949	96,979	13	96,992
85.	FIRST INTRST BK	BILLINGS	MT	19,719	75,904	95,623	1,073	96,696
86.	EAGLEBANK	BETHESDA	MD	37,228	57,224	94,452	0	94,452
87.	INTERNATIONAL BK CMRC	LAREDO	TX	43,191	49,633	92,824	742	93,566
88.	GLACIER BK	KALISPELL	MT	30,677	59,304	89,981	0	89,981
89.	CENTRAL TR BK	JEFFERSON CTY	MO	56,669	22,508	79,177	5,676	84,853
90.	BANC OF CA NA	SANTA ANA	CA	8,496	69,738	78,234	0	78,234
91.	TRISTATE CAP BK	PITTSBURGH	PA	43,394	26,209	69,603	8,036	77,639
92.	PROSPERITY BK	EL CAMPO	TX	43,176	32,381	75,557	0	75,557
93.	SANDY SPRING BK	OLNEY	MD	6,080	67,904	73,984	350	74,334
94.	MIDFIRST BK	OKLA CITY	OK	53,266	19,805	73,071	0	73,071
95.	CB&S BK	RUSSELLVILLE	AL	14,680	40,964	55,644	13,300	68,944
96.	CROSSFIRST BK	LEAWOOD	KS	58,190	8,598	66,788	63	66,851
97.	BYLINE BK	CHICAGO	IL	42,761	23,796	66,557	0	66,557
98.	SERVISFIRST BK	HOMEWOOD	AL	39,269	3,933	43,202	23,228	66,430
99.	FIRSTBANK PR	SAN JUAN	PR	8,267	0	8,267	57,732	65,999
100.	FIRSTBANK	NASHVILLE	TN	7,863	55,941	63,804	10	63,814
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
101.	EASTERN BK	BOSTON	MA	23,827	39,150	62,977	50	63,027
102.	S&T BK	INDIANA	PA	16,077	46,754	62,831	0	62,831
103.	PLAINSCAPITAL BK	UNIVERSITY PK	TX	46,630	15,087	61,717	0	61,717
104.	WINTRUST BK NA	CHICAGO	IL	52,974	7,734	60,708	864	61,572
105.	INTRUST BK NA	WICHITA	KS	60,058	1,419	61,477	0	61,477
106.	HTLF BK	DENVER	CO	37,896	19,509	57,405	2,939	60,344
107.	BREMER BK NA	SAINT PAUL	MN	34,149	25,255	59,404	0	59,404
108.	SUMMIT CMNTY BK	MOOREFIELD	WV	3,523	55,336	58,859	0	58,859
109.	SUSSER BK	DALLAS	TX	58,185	0	58,185	0	58,185
110.	SAFRA NB OF NY	NEW YORK	NY	56,271	0	56,271	1,803	58,074
111.	COMMUNITY BK NA	CANTON	NY	17,274	38,776	56,050	0	56,050
112.	UNITED CMNTY BK	GREENVILLE	SC	19,861	35,791	55,652	0	55,652
113.	MID PENN BK	MILLERSBURG	PA	3,472	52,097	55,569	0	55,569
114.	RAYMOND JAMES BK	ST PETERSBURG	FL	48,274	6,041	54,315	0	54,315
115	. TRADITION CAP BK	WAYZATA	MN	1,144	52,987	54,131	0	54,131
116.	UNIVEST B&TC	SOUDERTON	PA	25,201	28,887	54,088	0	54,088
117	. CTBC BK CORP USA	LOS ANGELES	CA	0	53,514	53,514	2	53,516
118.	PEOPLES SCTY B&TC	SCRANTON	PA	50	352	402	52,424	52,826
119.	SIMMONS BK	PINE BLUFF	AR	51,955	0	51,955	0	51,955
120.	CITIZENS BUS BK	ONTARIO	CA	41,871	9,472	51,343	457	51,800
121.	BANCFIRST	OKLA CITY	OK	50,993	0	50,993	0	50,993
122.	FARMERS & MRCH BK	LONG BEACH	CA	26,761	23,266	50,027	0	50,027
123.	ALLIANCE BK	LAKE CITY	MN	45,359	4,306	49,665	0	49,665
124.	BANK OF GUAM	HAGATNA	GU	0	45,474	45,474	4,186	49,660
125.	FIRST FNCL BK NA	ABILENE	TX	0	49,243	49,243	0	49,243
126.	MECHANICS BK	WALNUT CRK	CA	38,765	10,281	49,046	0	49,046
127.	WHEATON B&TC NA	WHEATON	IL	27,948	19,164	47,112	0	47,112
128.	PACIFIC PREMIER BK	IRVINE	CA	39,772	3,799	43,571	2,445	46,016
129.	CACHE VALLEY BK	LOGAN	UT	45,792	0	45,792	0	45,792
130.	ORIGIN BK	CHOUDRANT	LA	45,519	0	45,519	0	45,519
131.	HINSDALE B&TC NA	HINSDALE	IL	41,239	2,164	43,403	462	43,865
132.	LEGACY BK	COLWICH	KS	43,771	0	43,771	0	43,771
133.	DOLLAR BK FSB	PITTSBURGH	PA	28,914	14,564	43,478	0	43,478
134.	FIRST AMER BK	ELK GROVE VIL	IL	40,442	2,853	43,295	0	43,295
135.	BANGOR SVG BK	BANGOR	ME	4,673	35,409	40,082	2,808	42,890
136.	DIME CMNTY BK	BRIDGEHMPTN	NY	31,026	11,456	42,482	0	42,482
137.	BELL BK	FARGO	ND	36,233	4,336	40,569	1,448	42,017
138.	VANTAGE BK TX	SAN ANTONIO	TX	3,296	26,480	29,776	11,123	40,899
139.	FIRST MRCHS BK	MUNCIE	IN	25,483	15,095	40,578	149	40,727
140.	COMMUNITY TR BK INC	PIKEVILLE	KY	27,985	12,572	40,557	0	40,557
141.	WESTSTAR BK	EL PASO	TX	40,379	0	40,379	0	40,379
142.	UNION B&TC	LINCOLN	NE	40,008	0	40,008	0	40,008
143.	NORTHWEST BK	WARREN	PA	34,282	5,572	39,854	0	39,854
144.	NBT BK NA	NORWICH	NY	29,478	10,098	39,576	0	39,576
145.	FIRSTRUST SVG BK	CONSHOHCKN	PA	36,925	2,382	39,307	0	39,307
146.	AMERIS BK	ATLANTA	GA	39,096	0	39,096	0	39,096
147.	AMERICAN BUS BK	LOS ANGELES	CA	37,066	439	37,505	1,461	38,966
148.	MIDWESTONE BK	IOWA CITY	IA	22,856	15,756	38,612	0	38,612
149.	DAKOTA CMNTY B&TC NA	HEBRON	ND	38,509	0	38,509	0	38,509
150.	STELLAR BK	HOUSTON	TX	35,688	1,743	37,431	1,058	38,489
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
151.	BUSEY BK	CHAMPAIGN	IL	10,505	19,317	29,822	8,534	38,356
152.	CARROLLTON BK	CARROLLTON	IL	37,996	0	37,996	0	37,996
153.	BANKWELL BK	NEW CANAAN	CT	0	37,939	37,939	0	37,939
154.	AMERANT BK NA	CORAL GABLES	FL	1,597	35,875	37,472	138	37,610
155.	SEACOAST NB	STUART	FL	32,941	4,534	37,475	0	37,475
156.	TOMPKINS CMNTY BK	ITHACA	NY	14,097	22,083	36,180	0	36,180
157.	STOCKMAN BK OF MT	MILES CITY	MT	35,986	0	35,986	0	35,986
158.	CHOICE FNCL GRP	FARGO	ND	35,867	0	35,867	0	35,867
159.	FIRST INTERNATIONAL B&	TCWATFORD CITY	ND	35,792	0	35,792	0	35,792
160.	WESBANCO BK	WHEELING	WV	6,830	28,468	35,298	0	35,298
161.	VILLAGE B&TC NA	ARLINGTN HTS	IL	21,174	14,007	35,181	0	35,181
162.	OCEAN BK	MIAMI	FL	18,209	7,241	25,450	9,369	34,819
163.	LAKE FOREST B&TC NA	LAKE FOREST	IL	22,415	11,731	34,146	554	34,700
164.	FIRST COMMONWEALTH BK	INDIANA	PA	19,190	14,625	33,815	876	34,691
165.	FIRSTBANK	LAKEWOOD	CO	6,338	26,922	33,260	1,372	34,632
166.	MIDWEST BANKCENTRE	SAINT LOUIS	MO	34,009	0	34,009	0	34,009
167.	STOCK YARDS B&TC	LOUISVILLE	KY	22,912	8,087	30,999	2,676	33,675
168.	PINNACLE BK	LINCOLN	NE	33,650	0	33,650	0	33,650
169.	BANNER BK	WALLA WALLA	WA	29,452	4,082	33,534	0	33,534
170.	NICOLET NB	GREEN BAY	WI	21,622	11,639	33,261	0	33,261
171.	WOORI AMER BK	NEW YORK	NY	32,079	0	32,079	585	32,664
172.	CAMBRIDGE TC	CAMBRIDGE	MA	0	32,588	32,588	57	32,645
173.	OLD SECOND NB	AURORA	IL	18,486	14,091	32,577	0	32,577
174.	FIRST FNCL BK	CINCINNATI	OH	17,933	5,494	23,427	8,753	32,180
175.	PARK NB	NEWARK	OH	13,585	18,304	31,889	0	31,889
176.	NORTHBROOK B&TC NA	NORTHBROOK	IL	21,958	8,598	30,556	462	31,018
177.	LAKELAND BK	NEWFOUNDLD	NJ	25,618	5,330	30,948	0	30,948
178.	CENTRAL BK	PROVO	UT	0	30,435	30,435	0	30,435
179.	PROVIDENT BK	JERSEY CITY	NJ	20,765	9,607	30,372	0	30,372
180.	COLUMBIA BK	FAIR LAWN	NJ	0	0	0	30,024	30,024
181.	BROOKLINE BK	BROOKLINE	MA	822	26,541	27,363	2,619	29,982
182.	DBA INDEPENDENT FINCL	MCKINNEY	TX	22,822	7,026	29,848	0	29,848
183.	CENTIER BK	MERRILLVILLE	IN	29,848	0	29,848	0	29,848
184.	CITIZENS NB	SEVIERVILLE	TN	4,149	25,352	29,501	0	29,501
185.	BLUE RIDGE BK NA	MARTINSVILLE	VA	29,480	0	29,480	0	29,480
186.	LAKE CITY BK	WARSAW	IN	28,820	0	28,820	0	28,820
187.	FIRST BK	HATTIESBURG	MS	0	5,575	5,575	23,024	28,599
188.	PIONEER BK	ALBANY	NY	0	28,372	28,372	0	28,372
189.	FARMRS&MERCHNTS TR CH	CHAMBRSBURG	PA	17,380	10,884	28,264	0	28,264
190.	BANCO POPULAR DE PR	SAN JUAN	PR	24,000	2,000	26,000	2,000	28,000
191.	FIRST WESTERN TR BK	DENVER	CO	0	27,846	27,846	0	27,846
192.	TRI CTY BK	CHICO	CA	1,426	25,490	26,916	0	26,916
193.	CUSTOMERS BK	MALVERN	PA	5,408	12,692	18,100	8,429	26,529
194.	FIRST UNITED B&TC	DURANT	OK	10,289	16,219	26,508	0	26,508
195.	PEOPLES NB	MT VERNON	IL	26,230	0	26,230	0	26,230
196.	PREMIER BK	MAPLEWOOD	MN	0	26,209	26,209	0	26,209
197.	TBK BK SSB	DALLAS	TX	11,849	14,198	26,047	0	26,047
198.	CENTRAL B&TC	LEXINGTON	KY	6,849	18,993	25,842	0	25,842
199.	HILLTOP NB	CASPER	WY	25,753	0	25,753	0	25,753
200.	ST CHARLES B&TC NA	ST CHARLES	IL	14,727	10,598	25,325	0	25,325
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
201.	ORIENTAL BK	SAN JUAN	PR	3,939	20,636	24,575	344	24,919
202.	OLD PLANK TRAIL CMTY BK	NEW LENOX	IL	14,603	10,116	24,719	0	24,719
203.	ORRSTOWN BK	SHIPPENSBURG	PA	0	24,669	24,669	0	24,669
204.	MVB BK INC	FAIRMONT	WV	0	0	0	24,657	24,657
205.	ANB BK	DENVER	CO	1,790	22,697	24,487	0	24,487
206.	LIVE OAK BKG CO	WILMINGTON	NC	24,474	0	24,474	0	24,474
207.	JOHNSON BK	RACINE	WI	13,049	11,403	24,452	0	24,452
208.	HOMETRUST BK	ASHEVILLE	NC	24,342	0	24,342	0	24,342
209.	BERKSHIRE BK	PITTSFIELD	MA	1,037	3,174	4,211	19,937	24,148
210.	MERCANTILE BK	GRAND RAPIDS	MI	18,893	5,254	24,147	0	24,147
211.	METROPOLITAN CMRL BK	NEW YORK	NY	13,730	9,640	23,370	658	24,028
212.	TEXAS HERITAGE NB	DAINGERFIELD	TX	242	23,700	23,942	0	23,942
213.	ROCKLAND TC	ROCKLAND	MA	23,931	0	23,931	0	23,931
214.	MABREY BK	BIXBY	OK	11,984	11,903	23,887	0	23,887
215.	SOUTHPOINT BK	BIRMINGHAM	AL	23,553	0	23,553	0	23,553
216.	SUMMIT ST BK	SANTA ROSA	CA	0	23,463	23,463	0	23,463
217.	FIRST SECURITY BK	SEARCY	AR	23,311	0	23,311	0	23,311
218.	AMALGAMATED BK	NEW YORK	NY	23,095	0	23,095	0	23,095
219.	FARMERS & MRCH SVG BK	MANCHESTER	IA	22,937	0	22,937	0	22,937
220.	MIDLAND ST BK	EFFINGHAM	IL	4,352	18,045	22,397	0	22,397
221.	MINNWEST BK	REDWOOD FLS	MN	22,362	0	22,362	0	22,362
222.	FIRST DAKOTA NB	YANKTON	SD	21,889	0	21,889	0	21,889
223.	NBC OKLAHOMA	OKLA CITY	OK	2,466	19,044	21,510	0	21,510
224.	FIRST BK	SO. PINES	NC	13,122	8,345	21,467	0	21,467
225.	FIRST FOUND BK	IRVINE	CA	21,188	0	21,188	0	21,188
226.	FIRST BK	STRASBURG	VA	222	20,866	21,088	0	21,088
227.	NATIONAL EXCHANGE B&T	FOND DU LAC	WI	20,533	410	20,943	0	20,943
228.	AMERICAN BK	ALLENTOWN	PA	0	9,259	9,259	11,598	20,857
229.	FIRST BK	CREVE COEUR	MO	17,594	3,246	20,840	0	20,840
230.	FREMONT BK	FREMONT	CA	20,748	0	20,748	0	20,748
231.	QNB BK	QUAKERTOWN	PA	6,496	14,242	20,738	0	20,738
232.	CONNECTONE BK	ENGLEWD CLFS	NJ	20,282	0	20,282	0	20,282
233.	FIVE POINTS BK	GRAND ISLAND	NE	16,996	3,024	20,020	0	20,020
234.	NATIONAL BK BLACKSBURG	BLACKSBURG	VA	17,690	2,282	19,972	0	19,972
235.	FARMERS ST BK	VICTOR	MT	713	517	1,230	18,724	19,954
236.	1ST SOURCE BK	SOUTH BEND	IN	11,711	4,844	16,555	3,201	19,756
237.	BROADWAY NB	SAN ANTONIO	TX	19,722	0	19,722	0	19,722
238.	JOHN MARSHALL BK	RESTON	VA	5,177	14,544	19,721	0	19,721
239.	FIRSTIER BK	KIMBALL	NE	19,713	0	19,713	0	19,713
240.	CITIZENS & NORTHERN BK	WELLSBORO	PA	6,356	13,255	19,611	0	19,611
241.	CENTURY BK	SANTA FE	NM	610	18,960	19,570	10	19,580
242.	FIRST ST BK	WINCHESTER	OH	19,550	0	19,550	0	19,550
243.	KIRKPATRICK BK	EDMOND	OK	2,742	16,719	19,461	0	19,461
244.	WEST BK	W DES MOINES	IA	19,161	0	19,161	0	19,161
245.	PEGASUS BK	DALLAS	TX	19,128	0	19,128	0	19,128
246.	INDUSTRIAL & CMRL BK	NEW YORK	NY	19,059	0	19,059	34	19,093
247.	HEARTLAND B&TC	BLOOMINGTN	IL	6,380	12,673	19,053	0	19,053
248.	BANKPLUS	BELZONI	MS	6,309	12,179	18,488	0	18,488
249.	THIRD COAST BK SSB	HUMBLE	TX	16,719	0	16,719	1,739	18,458
250.	CNB BK	CLEARFIELD	PA	4,343	14,108	18,451	0	18,451
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
251.	PREMIER BK	YOUNGSTOWN	OH	0	18,288	18,288	0	18,288
252.	PENN CMNTY BK	DOYLESTOWN	PA	0	18,276	18,276	0	18,276
253.	CAPITAL CMNTY BK	PROVO	UT	0	18,274	18,274	0	18,274
254.	LIBERTYVILLE B&TC NA	LIBERTYVILLE	IL	16,976	1,291	18,267	0	18,267
255.	BARRINGTON B&TC NA	BARRINGTON	IL	11,959	6,007	17,966	282	18,248
256.	BANK OF SPRINGFIELD	SPRINGFIELD	IL	13,366	4,855	18,221	0	18,221
257.	WATERFORD BK NA	TOLEDO	OH	650	8,566	9,216	8,990	18,206
258.	PEOPLESBK CODORUS VAL	YORK	PA	1,709	15,836	17,545	556	18,101
259.	COMMUNITY NB	MIDLAND	TX	1,000	17,076	18,076	0	18,076
260.	ACNB BK	GETTYSBURG	PA	0	17,997	17,997	0	17,997
261.	STUDIO BK	NASHVILLE	TN	0	17,785	17,785	0	17,785
262.	FIRST CITIZENS CMNTY BK	MANSFIELD	PA	17,209	551	17,760	0	17,760
263.	AMERICAN FNB	HOUSTON	TX	15,155	765	15,920	1,502	17,422
264.	DEDHAM INST FOR SVG	DEDHAM	MA	17,366	0	17,366	0	17,366
265.	COMMERCIAL BK	HARROGATE	TN	1,605	15,701	17,306	0	17,306
266.	ORANGE B&TC	MIDDLETOWN	NY	17,301	0	17,301	0	17,301
267.	KENNEBUNK SVG BK	KENNEBUNK	ME	0	17,230	17,230	0	17,230
268.	FNCB BK	DUNMORE	PA	33	17,189	17,222	0	17,222
269.	PEAPACK GLADSTONE BK	BEDMINSTER	NJ	11,358	5,851	17,209	0	17,209
270.	JEFFERSON BK	SAN ANTONIO	TX	11,327	2,785	14,112	3,000	17,112
271.	CORTRUST BK NA	MITCHELL	SD	17,027	0	17,027	0	17,027
272.	FIDELITY DEP&DISCNT BK	DUNMORE	PA	17,001	0	17,001	0	17,001
273.	STERLING BK	POPLAR BLUFF	MO	579	16,398	16,977	0	16,977
274.	CALIFORNIA BK OF CMRC	WALNUT CRK	CA	0	0	0	16,909	16,909
275.	FARMRS&MRCH BK CNT CA	LODI	CA	16,673	190	16,863	0	16,863
276.	FORTIFI BK	BERLIN	WI	290	16,555	16,845	0	16,845
277.	GERMAN AMER BK	JASPER	IN	7,346	9,351	16,697	0	16,697
278.	BANK RHODE ISLAND	PROVIDENCE	RI	13,789	2,893	16,682	0	16,682
279.	CHEMUNG CANAL TC	ELMIRA	NY	16,502	0	16,502	0	16,502
280.	TEXAS CMNTY BK	LAREDO	TX	0	16,473	16,473	0	16,473
281.	OCEANFIRST BK NA	TOMS RIVER	NJ	0	14,666	14,666	1,807	16,473
282.	DBA REPUBLIC BANK	PHILADELPHIA	PA	16,453	0	16,453	0	16,453
283.	HORIZON BK SSB	AUSTIN	TX	16,429	0	16,429	0	16,429
284.	FIELDPOINT PRIV B&TC	GREENWICH	CT	16,263	0	16,263	0	16,263
285.	SMARTBANK	PIGEON FORGE	TN	13,164	3,087	16,251	0	16,251
286.	MANUFACTURERS BK	LOS ANGELES	CA	12,358	0	12,358	3,865	16,223
287.	ENTERPRISE B&TC	LOWELL	MA	6,793	9,240	16,033	0	16,033
288.	FIVE STAR BK	WARSAW	NY	8,443	7,556	15,999	0	15,999
289.	SUNFLOWER BK NA	DENVER	CO	15,947	0	15,947	0	15,947
290.	BANK OF NEW ENGLAND	SALEM	NH	11,952	3,952	15,904	0	15,904
291.	BANK OF COLORADO	FORT COLLINS	CO	15,855	0	15,855	0	15,855
292.	HOME FED BK OF TN	KNOXVILLE	TN	9,092	6,747	15,839	0	15,839
293.	NORTHERN B&TC	WOBURN	MA	15,831	0	15,831	0	15,831
294.	TRI CITY NB	OAK CREEK	WI	14,718	0	14,718	1,053	15,771
295.	STIFEL B&T	SAINT LOUIS	MO	11,847	3,771	15,618	0	15,618
296.	FIRST CITIZENS BK	MASON CITY	IA	113	0	113	15,457	15,570
297.	INTERNATIONAL BK CMRC	OKLA CITY	OK	14,782	785	15,567	0	15,567
298.	EMPRISE BK	WICHITA	KS	13,560	1,990	15,550	0	15,550
299.	INB NA	SPRINGFIELD	IL	11,685	495	12,180	3,202	15,382
300.	FIRST BUS BK	MADISON	WI	15,273	0	15,273	0	15,273
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
301.	SECURITY NB OF OMAHA	OMAHA	NE	11,195	4,077	15,272	0	15,272
302.	FIRST B&T	BROOKINGS	SD	3,980	10,983	14,963	0	14,963
303.	CASS CMRL BK	DES PERES	MO	14,024	0	14,024	822	14,846
304.	STATE BK OF SOUTHERN UT	CEDAR CITY	UT	977	13,843	14,820	0	14,820
305.	EXCHANGE BK	SANTA ROSA	CA	0	14,811	14,811	0	14,811
306.	SOUTHERN FIRST BK	GREENVILLE	SC	14,797	0	14,797	0	14,797
307.	INVESTAR BK NA	BATON ROUGE	LA	14,743	52	14,795	0	14,795
308.	GREAT SOUTHERN BK	REEDS SPRING	MO	4,467	10,301	14,768	0	14,768
309.	PEOPLES BK	MARIETTA	OH	8,232	6,528	14,760	0	14,760
310.	FIRST NB CENTRAL TX	WACO	TX	14,722	0	14,722	0	14,722
311.	AMERICAN ST BK	SIOUX CENTER	IA	0	14,659	14,659	0	14,659
312.	INTERAUDI BK	NEW YORK	NY	0	14,640	14,640	0	14,640
313.	LEGACY BK & TR CO	MOUNTN GRVE	MO	14,564	0	14,564	0	14,564
314.	FIRST ST CMNTY BK	FARMINGTON	MO	14,497	0	14,497	0	14,497
315.	BANK OF CMRC	DUNCAN	OK	242	14,178	14,420	0	14,420
316.	HERITAGE BK OF CMRC	SAN JOSE	CA	14,403	0	14,403	0	14,403
317.	CITIZENS & FARMERS BK	WEST POINT	VA	0	14,286	14,286	0	14,286
318.	FIRST GUARANTY BK	HAMMOND	LA	0	14,219	14,219	0	14,219
319.	FIRST WESTERN B&TC	MINOT	ND	1,150	8,214	9,364	4,845	14,209
320.	PEOPLES BK	MUNSTER	IN	6,242	7,933	14,175	0	14,175
321.	HORIZON BK	MICHIGAN CITY	IN	14,154	0	14,154	0	14,154
322.	RED RIVER BK	ALEXANDRIA	LA	13,411	711	14,122	0	14,122
323.	COUNTRY CLUB BK	KANSAS CITY	MO	13,849	0	13,849	0	13,849
324.	WAYNE BK	HONESDALE	PA	0	13,809	13,809	0	13,809
325.	EPHRATA NB	EPHRATA	PA	2,761	11,044	13,805	0	13,805
326.	BESSEMER TC NA	NEW YORK	NY	13,755	0	13,755	0	13,755
327.	CAMBRIDGE SVG BK	CAMBRIDGE	MA	12,981	717	13,698	9	13,707
328.	SCHAUMBURG B&TC NA	SCHAUMBURG	IL	11,300	2,363	13,663	0	13,663
329.	FIRST NB ALASKA	ANCHORAGE	AK	3,120	10,436	13,556	0	13,556
330.	MORTON CMNTY BK	MORTON	IL	5,892	7,609	13,501	0	13,501
331.	FINANCIAL FED BK	MEMPHIS	TN	0	13,491	13,491	0	13,491
332.	AMERICAN BK OF MO	WELLSVILLE	MO	0	3,251	3,251	10,210	13,461
333.	ESSA BK & TR	STROUDSBURG	PA	0	13,379	13,379	0	13,379
334.	LAKE RIDGE BK	MONONA	WI	4,666	8,676	13,342	0	13,342
335.	BANK OF BIRD-IN-HAND	BIRD IN HAND	PA	1,523	11,800	13,323	0	13,323
336.	MERCHANTS BK NA	WINONA	MN	13,277	0	13,277	0	13,277
337.	BANK OZK	LITTLE ROCK	AR	6,501	6,759	13,260	0	13,260
338.	INTERBANK	OKLA CITY	OK	6,165	7,024	13,189	0	13,189
339.	CORNERSTONE BK	SPENCER	MA	11,715	1,364	13,079	0	13,079
340.	ONB BK	ROCHESTER	MN	0	12,970	12,970	0	12,970
341.	STATE BK OF INDIA CA	LOS ANGELES	CA	12,865	0	12,865	0	12,865
342.	CITY BK	LUBBOCK	TX	12,779	0	12,779	0	12,779
343.	CAPE COD FIVE CENTS SB	HYANNIS	MA	0	0	0	12,733	12,733
344.	SOUTHSIDE BK	TYLER	TX	12,646	0	12,646	0	12,646
345.	AMERICAN SVG BK FSB	HONOLULU	HI	12,492	0	12,492	137	12,629
346.	AMERICAN NB&TC	DANVILLE	VA	12,440	0	12,440	0	12,440
347.	CALPRIVATE BK	LA JOLLA	CA	12,126	250	12,376	0	12,376
348.	BLACKHAWK BK	BELOIT	WI	12,335	0	12,335	0	12,335
349.	JUNIATA VALLEY BK	MIFFLINTOWN	PA	573	1,882	2,455	9,866	12,321
350.	BANK FORWARD	FARGO	ND	12,316	0	12,316	0	12,316
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
351.	NBH BK	GREENWD VIL	CO	11,404	456	11,860	416	12,276
352.	DACOTAH BK	ABERDEEN	SD	12,267	0	12,267	0	12,267
353.	MACATAWA BK	HOLLAND	MI	8,951	3,283	12,234	0	12,234
354.	SIGNATURE BK	ROSEMONT	IL	8,020	4,056	12,076	0	12,076
355.	BANK IA	W DES MOINES	IA	7,989	0	7,989	3,837	11,826
356.	FIDELITY BK	WEST MEMPHIS	AR	11,656	0	11,656	0	11,656
357.	TROY B&TC	TROY	AL	11,622	0	11,622	0	11,622
358.	ANDERSON BROS BK	MULLINS	SC	1,015	10,594	11,609	0	11,609
359.	AVIDBANK	SAN JOSE	CA	0	0	0	11,600	11,600
360.	FIRST FSB OF TWIN FALLS	TWIN FALLS	ID	0	11,552	11,552	0	11,552
361.	AMERICAN NB	OMAHA	NE	11,494	0	11,494	0	11,494
362.	BANK FIRST NA	MANITOWOC	WI	8,452	2,854	11,306	0	11,306
363.	AMERICAN CMRL B&TC NA	OTTAWA	IL	0	11,244	11,244	0	11,244
364.	TEXAS PTNRS BK	SAN ANTONIO	TX	5,820	3,233	9,053	2,075	11,128
365.	BANK OF STOCKTON	STOCKTON	CA	8,721	2,401	11,122	0	11,122
366.	READING CO-OP BK	READING	MA	0	0	0	11,059	11,059
367.	FARMERS NB	PROPHETSTN	IL	10,993	0	10,993	0	10,993
368.	SALEM FIVE CENTS SVG BK	SALEM	MA	6,852	3,963	10,815	0	10,815
369.	NEWFIRST NB	EL CAMPO	TX	10,776	0	10,776	0	10,776
370.	SECURITY FNCL BK	DURAND	WI	1,200	9,406	10,606	72	10,678
371.	REPUBLIC BK OF CHICAGO	OAK BROOK	IL	5,525	5,153	10,678	0	10,678
372.	STARION BK	BISMARCK	ND	8,058	2,598	10,656	0	10,656
373.	MERIDIAN BK	MALVERN	PA	0	10,648	10,648	0	10,648
374.	PLATINUM BK	OAKDALE	MN	1,161	9,453	10,614	0	10,614
375.	OAKSTAR BK	SPRINGFIELD	MO	10,093	0	10,093	289	10,382
376.	FORBRIGHT BK	POTOMAC	MD	10,377	0	10,377	0	10,377
377.	VAST BK NA	TULSA	OK	7,488	2,861	10,349	0	10,349
378.	PATHWARD NA	SIOUX FALLS	SD	10,348	0	10,348	0	10,348
379.	NORTHEAST CMNTY BK	WHITE PLAINS	NY	10,305	0	10,305	0	10,305
380.	LYONS NB	LYONS	NY	8,007	2,297	10,304	0	10,304
381.	INDEPENDENCE BK OF KY	OWENSBORO	KY	1,030	9,270	10,300	0	10,300
382.	FIRSTBANK SW	AMARILLO	TX	10,233	0	10,233	0	10,233
383.	REPUBLIC B&TC	LOUISVILLE	KY	6,230	4,002	10,232	0	10,232
384.	STURGIS B&TC	STURGIS	MI	10,222	0	10,222	0	10,222
385.	CORNERSTONE NB&TC	PALATINE	IL	7,927	2,278	10,205	0	10,205
386.	ONE CMNTY BK	OREGON	WI	0	10,188	10,188	0	10,188
387.	TOLLESON PRIV BK	DALLAS	TX	10,175	0	10,175	0	10,175
388.	SECURITY B&TC	GLENCOE	MN	33	10,142	10,175	0	10,175
389.	KISH BK	BELLEVILLE	PA	6,324	3,808	10,132	0	10,132
390.	FIRST CAROLINA BK	ROCKY MOUNT	NC	10,115	0	10,115	0	10,115
391.	TRIAD BK	FRONTENAC	MO	7,935	2,066	10,001	0	10,001
392.	UNITED CMNTY BK	CHATHAM	IL	9,017	978	9,995	0	9,995
393.	BURKE & HERBERT B&TC	ALEXANDRIA	VA	5,994	3,998	9,992	0	9,992
394.	STAR FNCL BK	FORT WAYNE	IN	9,693	293	9,986	0	9,986
395.	FRANDSEN B&T	LONSDALE	MN	2,034	6,730	8,764	1,188	9,952
396.	PLANTERS B&TC	INDIANOLA	MS	5,554	4,290	9,844	0	9,844
397.	FIRST CMNTY BK OF TN	SHELBYVILLE	TN	9,816	0	9,816	0	9,816
398.	ALERUS FNCL NA	GRAND FORKS	ND	9,784	0	9,784	0	9,784
399.	OPPORTUNITY BK OF MT	HELENA	MT	5,886	3,890	9,776	0	9,776
400.	BANK OF WA	WASHINGTON	MO	4,616	5,149	9,765	0	9,765
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
401.	FIRST FARMERS & MRCH BK	COLUMBIA	TN	3,534	6,120	9,654	0	9,654
402.	HOME FSB	ROCHESTER	MN	0	7,927	7,927	1,665	9,592
403.	OLD DOMINION NA	NO. GARDEN	VA	761	0	761	8,805	9,566
404.	BRYANT BK	TUSCALOOSA	AL	2,738	6,766	9,504	0	9,504
405.	PARTNERS BK	HELENA	AR	0	0	0	9,451	9,451
406.	YELLOWSTONE BK	LAUREL	MT	2,058	7,222	9,280	0	9,280
407.	FIRST PREMIER BK	SIOUX FALLS	SD	9,215	0	9,215	0	9,215
408.	ITASCA B&TC	ITASCA	IL	1,915	7,292	9,207	0	9,207
409.	FIRST MID B&TC NA	MATTOON	IL	6,944	2,263	9,207	0	9,207
410.	OHIO VALLEY BK CO	GALLIPOLIS	OH	9,206	0	9,206	0	9,206
411.	1ST ST BK	SAGINAW	MI	9,170	0	9,170	0	9,170
412.	CFG BK	LUTHERVILLE	MD	7,812	1,353	9,165	0	9,165
413.	SHORE UNITED BK NA	EASTON	MD	0	9,130	9,130	0	9,130
414.	ALPINE BK	GLENWD SPRGS	CO	3,014	6,012	9,026	0	9,026
415.	CONWAY NB	CONWAY	SC	436	8,532	8,968	0	8,968
416.	DECORAH B&TC	DECORAH	IA	8,947	0	8,947	0	8,947
417.	CAPSTAR BK	NASHVILLE	TN	2,772	6,167	8,939	0	8,939
418.	BANESCO USA	MIAMI	FL	8,933	0	8,933	0	8,933
419.	MALVERN BK NA	PAOLI	PA	8,914	0	8,914	0	8,914
420.	WASHINGTON TC WESTRLY	WESTERLY	RI	7,912	984	8,896	0	8,896
421.	FARMERS NB	CANFIELD	OH	2,076	6,818	8,894	0	8,894
422.	CROWN BK	EDINA	MN	8,859	0	8,859	5	8,864
423.	FIRST FED B&TC	SHERIDAN	WY	6,118	1,991	8,109	744	8,853
424.	INDEPENDENT BK	GRAND RAPIDS	MI	5,043	3,746	8,789	0	8,789
425.	BANKERS TC	DES MOINES	IA	7,435	1,170	8,605	154	8,759
426.	MAPLEMARK BK	DALLAS	TX	8,742	0	8,742	0	8,742
427.	BANK INDEP	SHEFFIELD	AL	0	8,680	8,680	0	8,680
428.	JONAH BK	CASPER	WY	0	8,657	8,657	0	8,657
429.	PEOPLES B&TC	MCPHERSON	KS	0	0	0	8,656	8,656
430.	CENTRAL BK	LITTLE ROCK	AR	0	8,558	8,558	0	8,558
431.	DIME BK	HONESDALE	PA	8,456	0	8,456	0	8,456
432.	MARQUETTE BK	CHICAGO	IL	543	7,888	8,431	0	8,431
433.	PLAINS CMRC BK	SIOUX FALLS	SD	8,430	0	8,430	0	8,430
434.	SECURITY BK OF KC	KANSAS CITY	KS	0	102	102	8,325	8,427
435.	SOUTHERN B&TC	MOUNT OLIVE	NC	8,362	0	8,362	0	8,362
436.	SACO & BIDFORD SVG INST	SACO	ME	66	8,290	8,356	0	8,356
437.	FARMERS ST BK	WATERLOO	IA	8,356	0	8,356	0	8,356
438.	US CENTURY BK	MIAMI	FL	1,925	275	2,200	6,144	8,344
439.	STEARNS BK NA	SAINT CLOUD	MN	8,332	0	8,332	0	8,332
440.	FIRST FNCL BK NA	TERRE HAUTE	IN	0	0	0	8,227	8,227
441.	FIRST BK OF GREENWICH	COS COB	CT	7,739	478	8,217	0	8,217
442.	BANK ANN ARBOR	ANN ARBOR	MI	1,942	6,262	8,204	0	8,204
443.	MERRIMACK CTY SVG BK	CONCORD	NH	13	8,148	8,161	0	8,161
444.	MERCHANTS BK OF IN	CARMEL	IN	0	8,095	8,095	0	8,095
445.	EMIGRANT BK	NEW YORK	NY	8,077	0	8,077	0	8,077
446.	ALLIANCE BK CENT TX	WOODWAY	TX	8,076	0	8,076	0	8,076
447.	GUARANTY BK	SPRINGFIELD	MO	1,627	6,447	8,074	0	8,074
448.	DUBUQUE B&TC	DUBUQUE	IA	2,426	4,912	7,338	717	8,055
449.	FIRST NB OF GILLETTE	GILLETTE	WY	0	8,041	8,041	0	8,041
450.	FIRST NB OK	OKLA CITY	OK	0	7,990	7,990	0	7,990
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
451.	UWHARRIE BK	ALBEMARLE	NC	7,988	0	7,988	0	7,988
452.	AMERISERV FNCL BK	JOHNSTOWN	PA	5,207	2,731	7,938	0	7,938
453.	SOUTHERN MI B&TC	COLDWATER	MI	338	7,579	7,917	0	7,917
454.	GBC INTL BK	LOS ANGELES	CA	7,900	0	7,900	0	7,900
455.	MERCHANTS NB	HILLSBORO	OH	0	0	0	7,864	7,864
456.	PLANTERS BK	HOPKINSVILLE	KY	2,381	5,468	7,849	0	7,849
457.	ION BK	NAUGATUCK	CT	1,663	6,185	7,848	0	7,848
458.	CONVERSE CTY BK	DOUGLAS	WY	3,915	3,929	7,844	0	7,844
459.	INTERNATIONAL BK CMRC	BROWNSVILLE	TX	4,569	3,224	7,793	45	7,838
460.	FIRST FARMERS B&TC	CONVERSE	IN	7,838	0	7,838	0	7,838
461.	FARMERS & MRCH BK	LAKELAND	GA	7,800	0	7,800	0	7,800
462.	HORIZON BK	WAVERLY	NE	0	2,217	2,217	5,543	7,760
463.	PEOPLES BK OF AL	CULLMAN	AL	7,758	0	7,758	0	7,758
464.	PROVIDENCE B&TC	SO. HOLLAND	IL	2,536	1,332	3,868	3,869	7,737
465.	IXONIA BK	IXONIA	WI	6,552	1,176	7,728	0	7,728
466.	INTEGRITY BK & TR	MONUMENT	CO	0	7,721	7,721	0	7,721
467.	BANK OF TAMPA	TAMPA	FL	7,110	585	7,695	0	7,695
468.	BANKIOWA	CEDAR RAPIDS	IA	7,663	0	7,663	0	7,663
469.	TEXAS B&TC	LONGVIEW	TX	5,669	1,982	7,651	0	7,651
470.	FIRST NB OF FORT SMITH	FORT SMITH	AR	1,884	5,754	7,638	0	7,638
471.	MOUNTAIN CMRC BK	KNOXVILLE	TN	3,247	4,388	7,635	0	7,635
472.	ADIRONDACK BK	UTICA	NY	7,634	0	7,634	0	7,634
473.	FIRST ST BK	WEBSTER CITY	IA	7,609	0	7,609	0	7,609
474.	COMMUNITY NB&TC	CHANUTE	KS	7,590	0	7,590	0	7,590
475.	LONE STAR ST BK OF W TX	LUBBOCK	TX	7,587	0	7,587	0	7,587
476.	MONTICELLO BKG CO	MONTICELLO	KY	940	6,645	7,585	0	7,585
477.	GREAT PLAINS NB	ELK CITY	OK	7,574	0	7,574	0	7,574
478.	BANKFINANCIAL NA	OLYMPIA FLDS	IL	7,496	70	7,566	0	7,566
479.	HOMETOWN NB	LA SALLE	IL	0	7,564	7,564	0	7,564
480.	BANK3	MEMPHIS	TN	5,679	1,880	7,559	0	7,559
481.	BANK OF MO	PERRYVILLE	MO	7,476	0	7,476	0	7,476
482.	VIRGINIA NB	CHARLOTTSVIL	VA	3,680	3,771	7,451	0	7,451
483.	CITIZENS BK	COLUMBIA	MS	0	0	0	7,436	7,436
484.	BANK OF TX	MIDLAND	TX	7,253	150	7,403	0	7,403
485.	NORTHFIELD SVG BK	NORTHFIELD	VT	6,223	1,174	7,397	0	7,397
486.	FIRST NB	PANDORA	OH	7,000	383	7,383	0	7,383
487.	VISTA BK	DALLAS	TX	3,606	3,772	7,378	0	7,378
488.	CENTRAL BK IL	GENESEO	IL	0	7,320	7,320	0	7,320
489.	WHITAKER BK	LEXINGTON	KY	1,070	6,246	7,316	0	7,316
490.	CITY NB OF WV	CHARLESTON	WV	3,565	1,714	5,279	2,026	7,305
491.	B1BANK	BATON ROUGE	LA	0	0	0	7,303	7,303
492.	FIRST CMRL BK	JACKSON	MS	0	7,205	7,205	0	7,205
493.	CLEAR FORK BK NA	ALBANY	TX	0	7,173	7,173	0	7,173
494.	WESTFIELD BK	WESTFIELD	MA	5,307	1,862	7,169	0	7,169
495.	SOUTHEAST BK	FARRAGUT	TN	3,618	3,535	7,153	0	7,153
496.	WEST TX NB	MIDLAND	TX	7,136	0	7,136	0	7,136
497.	THOMASVILLE NB	THOMASVILLE	GA	7,095	0	7,095	0	7,095
498.	TRADITIONAL BK	MT STERLING	KY	3,781	3,313	7,094	0	7,094
499.	AMERICAN BK NA	CORPS CHRISTI	TX	7,079	0	7,079	0	7,079
500.	FIRST ST BK OF SOUTHEAST	MIDDLESBORO	KY	0	7,076	7,076	0	7,076
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
501.	AMERICAN NB&TC	WICHITA FALLS	TX	0	7,062	7,062	0	7,062
502.	ACCESS BK	OMAHA	NE	0	1,526	1,526	5,536	7,062
503.	GUARANTY B&TC NA	MT PLEASANT	TX	7,058	0	7,058	0	7,058
504.	CEDAR RAPIDS B&TC	CEDAR RAPIDS	IA	7,057	0	7,057	0	7,057
505.	MACHIAS SVG BK	MACHIAS	ME	4,641	2,401	7,042	0	7,042
506.	CANANDAIGUA NB&TC	CANANDAIGUA	NY	374	6,660	7,034	0	7,034
507.	PINNACLE BK	FORT WORTH	TX	6,980	0	6,980	0	6,980
508.	FARMERS BK	PORTLAND	TN	0	6,957	6,957	0	6,957
509.	GORHAM SVG BK	GORHAM	ME	0	6,947	6,947	0	6,947
510.	MRV BKS	STE GENEVIEVE	MO	6,946	0	6,946	0	6,946
511.	M1 BK	CLAYTON	MO	0	6,922	6,922	0	6,922
512.	LOWELL FIVE CENT SVG BK	TEWKSBURY	MA	764	6,144	6,908	0	6,908
513.	PADUCAH B&TC	PADUCAH	KY	6,907	0	6,907	0	6,907
514.	HILLS B&TC	HILLS	IA	6,899	0	6,899	0	6,899
515.	FIRST UNITED B&TR	OAKLAND	MD	0	6,893	6,893	0	6,893
516.	LAKESIDE BK	CHICAGO	IL	3,103	3,781	6,884	0	6,884
517.	BANTERRA BK	MARION	IL	6,867	0	6,867	0	6,867
518.	FIRST CMNTY BK	CORPS CHRISTI	TX	2,253	4,600	6,853	0	6,853
519.	FRANKLIN B&TC	FRANKLIN	KY	6,846	0	6,846	0	6,846
520.	AMBOY BK	OLD BRIDGE	NJ	6,776	0	6,776	0	6,776
521.	SECURITY NB	ENID	OK	6,770	0	6,770	0	6,770
522.	SUNWEST BK	SANDY	UT	0	6,755	6,755	0	6,755
523.	SOUTHERN BANCORP BK	ARKADELPHIA	AR	5,308	1,414	6,722	25	6,747
524.	FARMERS ST BK	MARION	IA	6,419	322	6,741	0	6,741
525.	NATIONAL BK OF CMRC	SUPERIOR	WI	453	6,274	6,727	0	6,727
526.	SOLVAY BK	SOLVAY	NY	25	6,667	6,692	0	6,692
527.	CITIZENS ALLI BK	CLARA CITY	MN	6,410	151	6,561	100	6,661
528.	PIEDMONT BK	PEACHTREE CRS	GA	0	6,637	6,637	0	6,637
529.	AMERICAN B&TC	TULSA	OK	2,333	4,262	6,595	0	6,595
530.	PEOPLESBANK	HOLYOKE	MA	881	5,698	6,579	0	6,579
531.	GUARANTY B&TC	BELZONI	MS	6,572	0	6,572	0	6,572
532.	FIRST TX BK	GEORGETOWN	TX	404	6,154	6,558	0	6,558
533.	VERABANK NA	HENDERSON	TX	5,804	741	6,545	0	6,545
534.	SOMERSET TC	SOMERSET	PA	2,341	4,194	6,535	0	6,535
535.	CITY NB	SULPHUR SPGS	TX	0	6,524	6,524	0	6,524
536.	WALLIS BK	WALLIS	TX	6,518	0	6,518	0	6,518
537.	SOUTHERN BK	POPLAR BLUFF	MO	6,462	0	6,462	0	6,462
538.	BANCO DO BRASIL AMERS	MIAMI	FL	6,399	0	6,399	0	6,399
539.	LUZERNE BK	LUZERNE	PA	3,351	3,046	6,397	0	6,397
540.	NORTHFIELD BK	STATEN ISLND	NY	0	0	0	6,391	6,391
541.	INTERNATIONAL FNC BK	MIAMI	FL	6,335	0	6,335	0	6,335
542.	FIRST NB OF HUTCHINSON	HUTCHINSON	KS	6,311	0	6,311	0	6,311
543.	ESQUIRE BK NA	JERICHO	NY	0	6,309	6,309	0	6,309
544.	BEAL BK USA	LAS VEGAS	NV	6,303	0	6,303	0	6,303
545.	NORTHWESTERN BK	CHIPPEWA FLS	WI	129	6,168	6,297	0	6,297
546.	CAPITAL CITY BK	TALLAHASSEE	FL	6,297	0	6,297	0	6,297
547.	FIRST ST BK	GAINESVILLE	TX	6,283	0	6,283	0	6,283
548.	CAMDEN NB	CAMDEN	ME	729	5,538	6,267	0	6,267
549.	BRAVERA BK	DICKINSON	ND	6,241	0	6,241	0	6,241
550.	FIRST NB OF LONG ISLAND	GLEN HEAD	NY	2,836	3,399	6,235	0	6,235
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
551.	FIRST COLUMBIA B&TC	BLOOMSBURG	PA	6,232	0	6,232	0	6,232
552.	METRO CITY BK	DORAVILLE	GA	0	6,228	6,228	0	6,228
553.	PS BK	WYALUSING	PA	6,227	0	6,227	0	6,227
554.	ROYAL BUS BK	LOS ANGELES	CA	2,887	0	2,887	3,271	6,158
555.	FVCBANK	FAIRFAX	VA	6,158	0	6,158	0	6,158
556.	OAKWORTH CAP BK	BIRMINGHAM	AL	6,053	93	6,146	0	6,146
557.	RHINEBECK BK	RHINEBECK	NY	0	6,135	6,135	0	6,135
558.	RESOURCE BK	COVINGTON	LA	1,567	4,561	6,128	0	6,128
559.	COUNTY NB	HILLSDALE	MI	6,117	0	6,117	0	6,117
560.	FIRST NAT B&TC	BELOIT	WI	6,085	0	6,085	0	6,085
561.	TEXAS RGNL BK	HARLINGEN	TX	1,312	4,771	6,083	0	6,083
562.	AMERICAN HERITAGE BK	SAPULPA	OK	0	6,076	6,076	0	6,076
563.	FIVE STAR BK	ROSEVILLE	CA	0	6,052	6,052	0	6,052
564.	BANK OF THE SIERRA	PORTERVILLE	CA	4,591	1,457	6,048	0	6,048
565.	NEXTIER BK NA	KITTANNING	PA	795	5,252	6,047	0	6,047
566.	PCB BK	LOS ANGELES	CA	5,469	0	5,469	558	6,027
567.	UNITY BK	CLINTON	NJ	0	5,993	5,993	0	5,993
568.	QUAD CITY B&TC	BETTENDORF	IA	5,979	0	5,979	0	5,979
569.	OPEN BK	LOS ANGELES	CA	5,959	0	5,959	0	5,959
570.	FIRST NB IN SIOUX FALLS	SIOUX FALLS	SD	5,945	0	5,945	0	5,945
571.	FIRST CITIZENS NB	DYERSBURG	TN	0	0	0	5,926	5,926
572.	VOLUNTEER FSB	MADISONVILLE	TN	3	5,916	5,919	0	5,919
573.	SECURITY NB SIOUX CITY	SIOUX CITY	IA	0	5,911	5,911	0	5,911
574.	AMERICAN MOMENTUM BK	COLLEGE STN	TX	2,115	3,772	5,887	0	5,887
575.	MISSION BK	BAKERSFIELD	CA	0	5,862	0	5,862	5,862
576.	FIRST WHITNEY B&TC	ATLANTIC	IA	5,809	0	5,809	0	5,809
577.	FIRST NB	ALTAVISTA	VA	5,809	0	5,809	0	5,809
578.	FREEDOM BK OF VIRGINIA	FAIRFAX	VA	4,688	1,106	5,794	0	5,794
579.	INBANK	RATON	NM	5,759	0	5,759	0	5,759
580.	FIRST RESOURCE BK	EXTON	PA	0	5,758	5,758	0	5,758
581.	CITIZENS ST BK N. CASTLE	NEW CASTLE	IN	1,796	3,936	5,732	0	5,732
582.	FIRST NB	TOM BEAN	TX	5,500	0	5,500	190	5,690
583.	TRADITIONS BK	YORK	PA	2,009	3,673	5,682	0	5,682
584.	SIGNATURE BK	FAYETTEVILLE	AR	5,682	0	5,682	0	5,682
585.	FIRST KEYSTONE CMNTY BK	BERWICK	PA	2,130	3,551	5,681	0	5,681
586.	21ST CENTURY BK	LORETTO	MN	357	5,318	5,675	0	5,675
587.	FIRST SECURITY BK	BATESVILLE	MS	50	5,619	5,669	0	5,669
588.	SAINT LOUIS BK	SAINT LOUIS	MO	4,989	663	5,652	0	5,652
589.	HOMESTREET BK	SEATTLE	WA	5,602	0	5,602	0	5,602
590.	LIBERTY BK	MIDDLETOWN	CT	0	5,586	5,586	0	5,586
591.	FARMERS & MERCHANTS BK	TIMBERVILLE	VA	0	5,578	5,578	0	5,578
592.	CITIZENS ST BK	MONTICELLO	IA	5,578	0	5,578	0	5,578
593.	STIFEL BK	ST. LOUIS	MO	0	5,577	5,577	0	5,577
594.	BENCHMARK BK	PLANO	TX	5,566	0	5,566	0	5,566
595.	HOME ST BK NA	CRYSTAL LAKE	IL	0	5,560	5,560	0	5,560
596.	FIRST JACKSON BK	STEVENSON	AL	5,542	0	5,542	0	5,542
597.	SECURITY FIRST BK	LINCOLN	NE	5,539	0	5,539	0	5,539
598.	FIDELITY BK NA	WICHITA	KS	5,352	184	5,536	0	5,536
599.	VISIONBANK	FARGO	ND	5,528	0	5,528	0	5,528
600.	FIDELITY BK	FUQUAY VRNA	NC	5,510	0	5,510	0	5,510
	Total			276,659,715	40,663,416	317,323,131	14,932,967	332,256,098

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Documentary Credit World

US BANKS

2ND QUARTER 2023

ANALYSIS OF VALUES OUTSTANDING OF LETTERS OF CREDIT FOR US BANKS: SECOND QUARTER 2023

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