Documentary Credit World

Documentary Credit World (DCW) - Nov/Dec 2023 Vol. 27 No.10 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.

3RD 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	61,389,000	8,812,000	70,201,000	5,194,000	75,395,000
2.	WELLS FARGO BK NA	SIOUX FALLS	SD	65,420,000	4,007,000	69,427,000	2,077,000	71,504,000
3.	BANK OF AMER NA	CHARLOTTE	NC	30,087,000	4,029,000	34,116,000	1,239,000	35,355,000
4.	JPMORGAN CHASE BK NA	COLUMBUS	OH	23,868,000	5,050,000	28,918,000	4,148,000	33,066,000
5.	U S BK NA	CINCINNATI	OH	9,542,285	1,164,603	10,706,888	623,110	11,329,998
6.	PNC BK NA	WILMINGTON	DE	8,447,247	1,878,589	10,325,836	304,164	10,630,000
7.	T D BK NA	WILMINGTON	DE	8,942,296	688,129	9,630,425	6,396	9,636,821
8.	HSBC BK USA NA	TYSONS	VA	5,824,669	3,299,352	9,124,021	408,277	9,532,298
9.	GOLDMAN SACHS BK USA	NEW YORK	NY	5,352,000	249,000	5,601,000	0	5,601,000
10.	TRUIST BK	CHARLOTTE	NC	5,063,000	380,000	5,443,000	53,000	5,496,000
11.	FIRST-CITIZENS B&TC	RALEIGH	NC	4,739,975	118,769	4,858,744	62,003	4,920,747
12.	BMO BK NA	CHICAGO	IL	3,770,505	757,037	4,527,542	56,641	4,584,183
13.	COMERICA BK	DALLAS	TX	3,359,000	210,000	3,569,000	42,000	3,611,000
14.	KEYBANK NA	CLEVELAND	OH	2,783,096	360,733	3,143,829	83,826	3,227,655
15.	MORGAN STANLEY BK NA	SALT LAKE CITY	UT	3,130,000	0	3,130,000	0	3,130,000
16.	EAST WEST BK	PASADENA	CA	2,401,887	71,018	2,472,905	32,664	2,505,569
17.	MANUFACTURERS&TRADRS	BUFFALO	NY	1,873,767	459,667	2,333,434	72,053	2,405,487
18.	FIFTH THIRD BK NA	CINCINNATI	OH	1,201,000	925,000	2,126,000	11,000	2,137,000
19.	CITIZENS BK NA	PROVIDENCE	RI	1,847,059	111,086	1,958,145	78,261	2,036,406
20.	REGIONS BK	BIRMINGHAM	AL	1,447,000	391,000	1,838,000	75,000	1,913,000
21.	BANK OF NY MELLON	NEW YORK	NY	1,804,000	22,000	1,826,000	51,000	1,877,000
22.	NORTHERN TC	CHICAGO	IL	1,661,786	173,735	1,835,521	25,743	1,861,264
23.	STATE STREET B&TC	BOSTON	MA	1,527,000	0	1,527,000	0	1,527,000
24.	CAPITAL ONE NA	MC LEAN	VA	1,157,107	158,666	1,315,773	195	1,315,968
25.	CITY NB	LOS ANGELES	CA	888,881	132,009	1,020,890	170,945	1,191,835
26.	SANTANDER BK NA	WILMINGTON	DE	585,103	229,438	814,541	26,080	840,621
27.	BOKF NA	TULSA	OK	759,563	42,223	801,786	1,296	803,082
28.	HUNTINGTON NB	COLUMBUS	OH	667,885	92,780	760,665	10,160	770,825
29.	FIRST HORIZON BK	MEMPHIS	TN	605,945	117,947	723,892	4,460	728,352
30.	ZIONS BC NA	SALT LAKE CITY	UT	529,656	178,002	707,658	20,011	727,669
31.	POPPY BK	SANTA ROSA	CA	701,625	0	701,625	0	701,625
32.	MORGAN STANLEY PRIV BK	PURCHASE	NY	656,000	0	656,000	0	656,000
33.	COMMERCE BK	KANSAS CITY	MO	428,634	154,476	583,110	5,057	588,167
34.	FLAGSTAR BK NA	HICKSVILLE	NY	451,217	105,747	556,964	20,795	577,759
35.	CIBC BK USA	CHICAGO	IL	497,745	60,623	558,368	8,056	566,424
36.	TEXAS CAP BK	DALLAS	TX	402,249	110,250	512,499	3,152	515,651
37.	VALLEY NB	PASSAIC	NJ	451,169	27,105	478,274	32,449	510,723
38.	MIZUHO BK USA	NEW YORK	NY	393,221	84,291	477,512	0	477,512
39.	WEBSTER BK NA	STAMFORD	CT	358,320	29,012	387,332	56,464	443,796
40.	CADENCE BK	TUPELO	MS	379,892	41,041	420,933	18,678	439,611
41.	HANCOCK WHITNEY BK	GULFPORT	MS	321,460	92,089	413,549	0	413,549
42.	UMB BK NA	KANSAS CITY	MO	407,996	0	407,996	1,091	409,087
43.	UBS BK USA	SALT LAKE CITY	UT	394,870	0	394,870	0	394,870
44.	FROST BK	SAN ANTONIO	TX	306,891	56,998	363,889	1,127	365,016
45.	DEUTSCHE BK TC AMERICAS	NEW YORK	NY	239,000	104,000	343,000	0	343,000
46.	PINNACLE BK	NASHVILLE	TN	203,611	123,158	326,769	0	326,769
47.	FULTON BK NA	LANCASTER	PA	125,642	127,941	253,583	51,864	305,447
48.	CATHAY BK	LOS ANGELES	CA	282,796	28	282,824	10,214	293,038
49.	PACIFIC WESTERN BK	BEVERLY HILLS	CA	212,746	51,716	264,462	557	265,019
50.	ASSOCIATED BK NA	GREEN BAY	WI	125,605	121,349	246,954	4,067	251,021

ANALYSIS OF VALUES OUTSTANDING OF LETTERS OF CREDIT FOR US BANKS: THIRD 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 3rd Quarter 2023 figures for the Top 600 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. Again in 3Q23, over 95% of the amounts issued are for Standby LCs to just under 5% for Commercial LCs. That is, USD 317.7 billion (up from USD 317.3 billion in 2Q23) issued for Standby LCs versus USD 16.2 billion (up from USD 14.9 billion in 2Q23) issued for Commercial LCs. The dollar amounts issued for Standby LCs show a slight increase of USD 400 million (less than 1%) compared to the prior quarter, 2Q23, while the amounts issued for Commercial LCs increased about USD 1.3 billion (see Analysis, September 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 the percentage breakdown among each of the bank tiers remained unchanged from the prior quarter: Banks 1-5 have as outstanding 68% of the total LC amount issued in the market, or USD 226.6 billion; Banks 6-10 have about 12%, totaling USD 40.9 billion; Banks 11-20 have 9%, or about USD 30.4 billion; Banks 21-50 have 6%, totaling USD 20.5 billion, and Banks ranked 51-600 garnered just over 5% of the total amount outstanding, at USD 15.4 billion. These dollar amounts have fluctuated slightly compared to those of 2Q23 (see Analysis, September 2023 DCW, p. 33).

Comparing Commercial LCs Issued by Bank Tier
When considering the amounts issued for Commercial LCs, we broke down the data into the same five tiers. We found that Banks 1-5 again possess a large and slightly growing share of the market with over 82% (up from 80% in 2Q23) of the total Commercial LC amount outstanding, or USD 13.2 billion. Banks 6-10 have about 5% (no change), totaling just over USD 771 million, with Banks 11-20 at 3% (down from 4%), or about USD 513 million, Banks 21-50 with 3% (no change) totaling USD 523 million, and Banks 51-600 with about 7% (down from 8%), at USD 1.1 billion. These dollar amounts fluctuated somewhat compared to 2Q23 (see Analysis, September 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 67% (down from 68% in 2Q23) of the total standby amount, or USD 213.3 billion (down from USD 214.8 billion). Banks 6-10 have about 13% (up from 12%), totaling USD 40 billion, with Banks 11-20 at 9% (no change), or about USD 29.9 billion, Banks 21-50 with 6% (down from 7%) totaling USD 19.9 billion, and finally Banks 51-600 accounting for about 5% (no change) of the total outstanding at USD 14.2 billion. These dollar amounts and percentages have fluctuated some compared to the prior quarter, 2Q23 (see Analysis, September 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% (no change) of the total amount of Standbys issued, versus about 13% for Performance Standbys (no change). In actual dollars, that is USD 277.3 billion (up from USD 276.6 billion in 2Q23) for Financial Standbys versus USD 40.3 billion (down from USD 40.6 billion) for Performance Standbys. These dollar amounts and percentages have fluctuated some compared to the prior quarter, 2Q23 (see Analysis, DCW September 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.	WESTERN ALLI BK	PHOENIX	AZ	216,739	15,625	232,364	13,122	245,486
52.	FIRST HAWAIIAN BK	HONOLULU	HI	222,286	16,418	238,704	5,410	244,114
53.	PREFERRED BK	LOS ANGELES	CA	0	235,868	235,868	5,560	241,428
54.	ALLY BK	SANDY	UT	233,000	2,000	235,000	0	235,000
55.	FIRST NB OF PA	GREENVILLE	PA	231,552	0	231,552	0	231,552
56.	FIRST NB OF OMAHA	OMAHA	NE	185,718	30,534	216,252	107	216,359
57.	SYNOVUS BK	COLUMBUS	GA	91,015	93,864	184,879	1,034	185,913
58.	CENTENNIAL BK	CONWAY	AR	167,497	16,592	184,089	0	184,089
59.	OLD NB	EVANSVILLE	IN	129,496	54,531	184,027	0	184,027
60.	BNC NB	GLENDALE	AZ	1,963	0	1,963	175,853	177,816
61.	ISRAEL DISCOUNT BK NY	NEW YORK	NY	120,296	796	121,092	54,548	175,640
62.	UNITED BK	FAIRFAX	VA	72,328	83,188	155,516	16,326	171,842
63.	ARVEST BK	FAYETTEVILLE	AR	139,495	20,183	159,678	68	159,746
64.	BANK OF HOPE	LOS ANGELES	CA	129,178	1,563	130,741	28,487	159,228
65.	BNY MELLON NA	PITTSBURGH	PA	147,000	2,000	149,000	0	149,000
66.	BANKUNITED NA	MIAMI LAKES	FL	126,016	7,948	133,964	14,073	148,037
67.	ATLANTIC UNION BK	RICHMOND	VA	39,882	106,296	146,178	0	146,178
68.	CITY NB OF FL	MIAMI	FL	109,035	36,450	145,485	305	145,790
69.	UMPQUA BK	LAKE OSWEGO	OR	119,079	25,517	144,596	0	144,596
70.	FIRST CMNTY BK	BLUEFIELD	VA	126,381	2,969	129,350	0	129,350
71.	TRUSTMARK NB	JACKSON	MS	106,476	21,309	127,785	0	127,785
72.	INTERNATIONAL BK CMRC	LAREDO	TX	60,437	60,178	120,615	214	120,829
73.	WASHINGTON FED BK	SEATTLE	WA	118,685	0	118,685	0	118,685
74.	RENASANT BK	TUPELO	MS	114,173	0	114,173	0	114,173
75.	SOUTHSTATE BK NA	WINTER HAVEN	FL	97,472	11,036	108,508	0	108,508
76.	BANK OF HAWAII	HONOLULU	HI	86,284	250	86,534	20,968	107,502
77.	BRIDGEWATER BK	ST LOUIS PARK	MN	26,486	68,035	94,521	12,771	107,292
78.	ENTERPRISE B&TC	CLAYTON	MO	43,324	61,006	104,330	1,322	105,652
79.	WOODFOREST NB	WOODLANDS	TX	2,148	1,217	3,365	101,083	104,448
80.	WILSON B&TC	LEBANON	TN	12,954	90,395	103,349	0	103,349
81.	AMARILLO NB	AMARILLO	TX	0	101,889	101,889	0	101,889
82.	VERITEX CMNTY BK	DALLAS	TX	101,602	0	101,602	0	101,602
83.	WILMINGTON SVG FD SOC	WILMINGTON	DE	48,306	52,548	100,854	13	100,867
84.	MIDFIRST BK	OKLA CITY	OK	80,767	19,805	100,572	0	100,572
85.	HANMI BK	LOS ANGELES	CA	76,933	448	77,381	19,524	96,905
86.	FIRST INTRST BK	BILLINGS	MT	17,406	74,756	92,162	2,510	94,672
87.	EAGLEBANK	BETHESDA	MD	37,770	55,484	93,254	0	93,254
88.	WASHINGTON TR BK	SPOKANE	WA	62,085	29,839	91,924	0	91,924
89.	TRISTATE CAP BK	PITTSBURGH	PA	57,088	27,141	84,229	4,541	88,770
90.	GLACIER BK	KALISPELL	MT	29,354	58,422	87,776	0	87,776
91.	CENTRAL TR BK	JEFFERSON CTY	MO	57,454	21,853	79,307	5,663	84,970
92.	SERVISFIRST BK	HOMEWOOD	AL	34,267	3,870	38,137	42,702	80,839
93.	BANC OF CA NA	SANTA ANA	CA	9,622	69,738	79,360	0	79,360
94.	SANDY SPRING BK	OLNEY	MD	8,046	67,867	75,913	600	76,513
95.	PROSPERITY BK	EL CAMPO	TX	44,690	30,257	74,947	0	74,947
96.	FIRSTBANK PR	SAN JUAN	PR	7,911	0	7,911	64,148	72,059
97.	CROSSFIRST BK	LEAWOOD	KS	62,758	8,690	71,448	608	72,056
98.	FIRSTBANK	NASHVILLE	TN	7,009	63,587	70,596	6	70,602
99.	CB&S BK	RUSSELLVILLE	AL	14,680	41,297	55,977	13,230	69,207
100.	UNIVEST B&TC	SOUDERTON	PA	41,509	27,390	68,899	0	68,899
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
101.	HTLF BK	DENVER	CO	44,680	20,415	65,095	3,792	68,887
102.	BYLINE BK	CHICAGO	IL	41,942	24,534	66,476	0	66,476
103.	INTRUST BK NA	WICHITA	KS	61,243	1,737	62,980	0	62,980
104.	TRADITION CAP BK	WAYZATA	MN	794	61,875	62,669	0	62,669
105.	MID PENN BK	MILLERSBURG	PA	3,472	59,184	62,656	0	62,656
106.	WINTRUST BK NA	CHICAGO	IL	53,359	8,694	62,053	587	62,640
107.	CTBC BK CORP USA	LOS ANGELES	CA	0	62,232	62,232	164	62,396
108.	PEOPLES SCTY B&TC	SCRANTON	PA	50	352	402	61,780	62,182
109.	SAFRA NB OF NY	NEW YORK	NY	57,670	0	57,670	1,527	59,197
110.	BREMER BK NA	SAINT PAUL	MN	35,810	23,304	59,114	0	59,114
111.	BANCFIRST	OKLA CITY	OK	58,580	0	58,580	0	58,580
112.	COMMUNITY BK NA	CANTON	NY	19,514	39,038	58,552	0	58,552
113.	SUSSER BK	DALLAS	TX	58,014	0	58,014	0	58,014
114.	ORIGIN BK	CHOUDRANT	LA	57,452	0	57,452	0	57,452
115.	SUMMIT CMNTY BK	MOOREFIELD	WV	3,502	53,428	56,930	0	56,930
116.	UNITED CMNTY BK	GREENVILLE	SC	20,820	35,635	56,455	0	56,455
117.	CITIZENS BUS BK	ONTARIO	CA	44,923	11,075	55,998	325	56,323
118.	FIRST FNCL BK NA	ABILENE	TX	0	55,632	55,632	0	55,632
119.	SIMMONS BK	PINE BLUFF	AR	55,545	0	55,545	0	55,545
120.	EASTERN BK	BOSTON	MA	14,819	39,663	54,482	50	54,532
121.	S&T BK	INDIANA	PA	14,894	38,167	53,061	0	53,061
122.	BANCO POPULAR DE PR	SAN JUAN	PR	47,000	3,000	50,000	3,000	53,000
123.	BANK OF GUAM	HAGATNA	GU	0	44,470	44,470	5,270	49,740
124.	LEGACY BK	COLWICH	KS	49,605	0	49,605	0	49,605
125.	FARMERS & MRCH BK	LONG BEACH	CA	29,426	20,132	49,558	0	49,558
126.	PLAINSCAPITAL BK	UNIVERSITY PK	TX	34,324	15,174	49,498	0	49,498
127.	EQUITY BK	ANDOVER	KS	48,834	0	48,834	0	48,834
128.	ALLIANCE BK	LAKE CITY	MN	45,039	3,488	48,527	0	48,527
129.	PACIFIC PREMIER BK	IRVINE	CA	40,386	7,179	47,565	0	47,565
130.	CACHE VALLEY BK	LOGAN	UT	46,349	0	46,349	0	46,349
131.	NORTHWEST BK	WARREN	PA	40,826	5,065	45,891	0	45,891
132.	UNION B&TC	LINCOLN	NE	45,258	0	45,258	0	45,258
133.	FIRST AMER BK	EL GROVE VIL	IL	40,421	4,353	44,774	0	44,774
134.	DOLLAR BK FSB	PITTSBURGH	PA	27,999	16,335	44,334	0	44,334
135.	HINSDALE B&TC NA	HINSDALE	IL	41,625	2,163	43,788	367	44,155
136.	VANTAGE BK TX	SAN ANTONIO	TX	3,396	29,369	32,765	11,123	43,888
137.	HOMETRUST BK	ASHEVILLE	NC	43,598	0	43,598	0	43,598
138.	BANGOR SVG BK	BANGOR	ME	4,407	36,010	40,417	2,812	43,229
139.	STOCKMAN BK OF MT	MILES CITY	MT	43,211	0	43,211	0	43,211
140.	CARROLLTON BK	CARROLLTON	IL	42,977	0	42,977	0	42,977
141.	WESTSTAR BK	EL PASO	TX	42,076	0	42,076	0	42,076
142.	DIME CMNTY BK	BRIDGEHMPTN	NY	26,093	15,193	41,286	0	41,286
143.	FIRSTBANK	LAKEWOOD	CO	6,293	33,452	39,745	1,372	41,117
144.	AMERIS BK	ATLANTA	GA	41,034	0	41,034	0	41,034
145.	WHEATON B&TC NA	WHEATON	IL	20,910	19,858	40,768	0	40,768
146.	NBT BK NA	NORWICH	NY	30,244	10,270	40,514	0	40,514
147.	SEACOAST NB	STUART	FL	32,839	6,879	39,718	0	39,718
148.	COMMUNITY TR BK INC	PIKEVILLE	KY	27,672	11,538	39,210	0	39,210
149.	WOORI AMER BK	NEW YORK	NY	38,561	0	38,561	555	39,116
150.	FIRST MRCHS BK	MUNCIE	IN	25,772	13,081	38,853	188	39,041
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
151.	BERKSHIRE BK	PITTSFIELD	MA	1,343	2,098	3,441	35,593	39,034
152.	TRI CTY BK	CHICO	CA	1,456	37,274	38,730	0	38,730
153.	FIRSTRUST SVG BK	CONSHOHCKN	PA	37,361	929	38,290	0	38,290
154.	AMERICAN BUS BK	LOS ANGELES	CA	36,535	409	36,944	1,330	38,274
155.	MVB BK INC	FAIRMONT	WV	0	0	0	37,910	37,910
156.	STELLAR BK	HOUSTON	TX	36,544	530	37,074	681	37,755
157.	DAKOTA CMNTY B&TC NA	HEBRON	ND	37,645	0	37,645	0	37,645
158.	CENTRAL BK	LITTLE ROCK	AR	0	37,636	37,636	0	37,636
159.	BUSEY BK	CHAMPAIGN	IL	7,957	20,449	28,406	8,441	36,847
160.	LAKE FOREST B&TC NA	LAKE FOREST	IL	23,702	11,971	35,673	441	36,114
161.	FIRST INTL B&TC	WATFORD CITY	ND	35,582	0	35,582	0	35,582
162.	TOMPKINS CMNTY BK	ITHACA	NY	13,816	21,756	35,572	0	35,572
163.	PINNACLE BK	LINCOLN	NE	35,087	0	35,087	0	35,087
164.	FIRST BK	HATTIESBURG	MS	0	5,905	5,905	28,929	34,834
165.	WESBANCO BK	WHEELING	WV	6,022	28,807	34,829	0	34,829
166.	RAYMOND JAMES BK	ST PETERSBURG	FL	28,349	6,335	34,684	0	34,684
167.	CENTIER BK	MERRILLVILLE	IN	33,786	0	33,786	0	33,786
168.	MINNWEST BK	REDWOOD FLS	MN	33,343	0	33,343	0	33,343
169.	SOUTHPOINT BK	BIRMINGHAM	AL	33,256	0	33,256	0	33,256
170.	CITIZENS NB	SEVIERVILLE	TN	4,129	28,868	32,997	0	32,997
171.	STOCK YARDS B&TC	LOUISVILLE	KY	21,020	8,587	29,607	3,276	32,883
172.	OLD SECOND NB	AURORA	IL	16,716	16,153	32,869	0	32,869
173.	MIDWEST BANKCENTRE	ST LOUIS	MO	32,856	0	32,856	0	32,856
174.	VILLAGE B&TC NA	ARLINGTN HTS	IL	21,343	11,448	32,791	0	32,791
175.	MECHANICS BK	WALNUT CRK	CA	27,850	4,899	32,749	0	32,749
176.	FIRST FNCL BK	CINCINNATI	OH	15,586	7,401	22,987	9,384	32,371
177.	AMERANT BK NA	CORAL GABLES	FL	1,823	30,477	32,300	64	32,364
178.	NICOLET NB	GREEN BAY	WI	17,506	14,539	32,045	0	32,045
179.	PROVIDENT BK	JERSEY CITY	NJ	18,860	12,733	31,593	0	31,593
180.	COLUMBIA BK	FAIR LAWN	NJ	0	0	0	31,298	31,298
181.	MIDWESTONE BK	IOWA CITY	IA	16,007	15,255	31,262	0	31,262
182.	PARK NB	NEWARK	OH	14,969	16,272	31,241	0	31,241
183.	BANNER BK	WALLA WALLA	WA	27,818	3,400	31,218	0	31,218
184.	LAKE CITY BK	WARSAW	IN	31,121	0	31,121	0	31,121
185.	CHOICE FNCL GRP	FARGO	ND	30,952	0	30,952	0	30,952
186.	AMALGAMATED BK	NEW YORK	NY	30,601	0	30,601	0	30,601
187.	LAKELAND BK	NEWFOUNDLD	NJ	25,343	5,157	30,500	0	30,500
188.	FORBRIGHT BK	POTOMAC	MD	29,359	0	29,359	0	29,359
189.	BROOKLINE BK	BROOKLINE	MA	822	25,862	26,684	2,670	29,354
190.	FIRST UNITED B&TC	DURANT	OK	12,690	16,598	29,288	0	29,288
191.	CUSTOMERS BK	MALVERN	PA	8,643	12,114	20,757	8,429	29,186
192.	DBA INDEPNDNT FINANCL	MCKINNEY	TX	20,093	8,953	29,046	0	29,046
193.	SHORE UNITED BK NA	EASTON	MD	0	28,853	28,853	43	28,896
194.	PEOPLES NB	MT VERNON	IL	28,703	0	28,703	0	28,703
195.	FARMRS&MERCHNTS TR CH	CHAMBRSBURG	PA	17,648	10,693	28,341	0	28,341
196.	FIRST COMMONWEALTH BK	INDIANA	PA	12,265	15,801	28,066	161	28,227
197.	ORIENTAL BK	SAN JUAN	PR	3,863	23,936	27,799	396	28,195
198.	JOHNSON BK	RACINE	WI	14,000	13,736	27,736	0	27,736
199.	NORTHBROOK B&TC NA	NORTHBROOK	IL	22,720	3,979	26,699	367	27,066
200.	OCEAN BK	MIAMI	FL	16,854	6,619	23,473	3,508	26,981
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
201.	MIDLAND ST BK	EFFINGHAM	IL	4,442	22,373	26,815	0	26,815
202.	SECURITY BK OF KC	KANSAS CITY	KS	0	102	102	26,563	26,665
203.	ST CHARLES B&TC NA	ST CHARLES	IL	15,202	10,904	26,106	0	26,106
204.	FIRST WESTERN TR BK	DENVER	CO	0	26,023	26,023	0	26,023
205.	HILLTOP NB	CASPER	WY	25,838	0	25,838	0	25,838
206.	TBK BK SSB	DALLAS	TX	11,286	14,248	25,534	0	25,534
207.	CENTRAL BK	PROVO	UT	0	25,356	25,356	0	25,356
208.	CALIFORNIA BK OF CMRC	WALNUT CREEK	CA	0	0	0	25,115	25,115
209.	NATIONAL EXCHANGE B&T	FOND DU LAC	WI	23,965	363	24,328	0	24,328
210.	ROCKLAND TC	ROCKLAND	MA	24,093	0	24,093	0	24,093
211.	ANB BK	DENVER	CO	1,912	22,150	24,062	0	24,062
212.	SUNFLOWER BK NA	DENVER	CO	23,977	0	23,977	0	23,977
213.	AMERICAN BK	ALLENTOWN	PA	0	10,950	10,950	12,876	23,826
214.	MABREY BK	BIXBY	OK	12,164	11,578	23,742	0	23,742
215.	PIONEER BK	ALBANY	NY	0	23,697	23,697	0	23,697
216.	HEARTLAND B&TC	BLOOMINGTN	IL	6,911	16,778	23,689	0	23,689
217.	FIRST SECURITY BK	SEARCY	AR	23,537	0	23,537	0	23,537
218.	CENTURY BK	SANTA FE	NM	1,585	21,886	23,471	10	23,481
219.	METROPOLITAN CMRL BK	NEW YORK	NY	13,729	9,609	23,338	142	23,480
220.	PREMIER BK	MAPLEWOOD	MN	0	23,449	23,449	0	23,449
221.	BLUE RIDGE BK NA	MARTINSVILLE	VA	23,292	0	23,292	0	23,292
222.	SUMMIT ST BK	SANTA ROSA	CA	0	23,275	23,275	0	23,275
223.	FARMERS & MRCH SVG BK	MANCHESTER	IA	22,995	0	22,995	0	22,995
224.	ACNB BK	GETTYSBURG	PA	0	22,755	22,755	0	22,755
225.	BELL BK	FARGO	ND	14,253	8,041	22,294	0	22,294
226.	LIVE OAK BKG CO	WILMINGTON	NC	21,983	0	21,983	0	21,983
227.	ORRSTOWN BK	SHIPPENSBURG	PA	0	21,960	21,960	0	21,960
228.	TEXAS HERITAGE NB	DAINGERFIELD	TX	20	21,700	21,720	0	21,720
229.	CENTRAL B&TC	LEXINGTON	KY	6,669	14,871	21,540	0	21,540
230.	NBC OKLAHOMA	OKLA CITY	OK	2,451	19,001	21,452	0	21,452
231.	WATERFORD BK NA	TOLEDO	OH	13,576	7,624	21,200	0	21,200
232.	GERMAN AMER BK	JASPER	IN	11,545	9,567	21,112	0	21,112
233.	FIRST BK	CREVE COEUR	MO	17,635	3,245	20,880	0	20,880
234.	1ST SOURCE BK	SOUTH BEND	IN	11,892	6,219	18,111	2,724	20,835
235.	FIVE POINTS BK	GRAND ISLAND	NE	17,605	3,024	20,629	0	20,629
236.	JOHN MARSHALL BK	RESTON	VA	5,142	15,294	20,436	0	20,436
237.	FREMONT BK	FREMONT	CA	20,413	0	20,413	0	20,413
238.	FIRST BK	SO. PINES	NC	12,283	7,816	20,099	0	20,099
239.	QNB BK	QUAKERTOWN	PA	6,410	13,484	19,894	0	19,894
240.	JEFFERSON BK	SAN ANTONIO	TX	12,002	4,785	16,787	3,000	19,787
241.	CONNECTONE BK	ENGLEWD CLFS	NJ	19,660	0	19,660	0	19,660
242.	FIRST ST BK	WINCHESTER	OH	19,650	0	19,650	0	19,650
243.	FIRSTIER BK	KIMBALL	NE	19,564	0	19,564	0	19,564
244.	FIRST ST CMNTY BK	FARMINGTON	MO	19,546	0	19,546	0	19,546
245.	CNB BK	CLEARFIELD	PA	4,379	15,012	19,391	0	19,391
246.	MERCANTILE BK	GRND RAPIDS	MI	14,252	5,115	19,367	0	19,367
247.	NATIONAL BK BLACKSBURG	BLACKSBURG	VA	17,650	1,685	19,335	0	19,335
248.	CITIZENS & NORTHERN BK	WELLSBORO	PA	6,508	12,776	19,284	0	19,284
249.	LIBERTYVILLE B&TC NA	LIBERTYVILLE	IL	17,577	1,629	19,206	0	19,206
250.	FIRST BUS BK	MADISON	WI	19,195	0	19,195	0	19,195
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
251.	FIRST CITIZENS CMNTY BK	MANSFIELD	PA	18,469	542	19,011	0	19,011
252.	FIDELITY DEP&DISCNT BK	DUNMORE	PA	19,006	0	19,006	0	19,006
253.	OLD PLANK TRAIL CMTY BK	NEW LENOX	IL	8,711	10,116	18,827	0	18,827
254.	AMERICAN FNB	HOUSTON	TX	15,370	934	16,304	2,419	18,723
255.	DUNDEE BK	OMAHA	NE	18,637	0	18,637	0	18,637
256.	PEGASUS BK	DALLAS	TX	18,634	0	18,634	0	18,634
257.	COMMUNITY NB	MIDLAND	TX	1,000	17,502	18,502	0	18,502
258.	PEAPACK GLADSTONE BK	BEDMINSTER	NJ	11,529	6,905	18,434	0	18,434
259.	BARRINGTON B&TC NA	BARRINGTON	IL	13,490	4,921	18,411	0	18,411
260.	BANK OF SPRINGFIELD	SPRINGFIELD	IL	13,366	4,930	18,296	0	18,296
261.	BANK RHODE ISLAND	PROVIDENCE	RI	15,289	2,897	18,186	0	18,186
262.	DACOTAH BK	ABERDEEN	SD	18,167	0	18,167	0	18,167
263.	IXONIA BK	IXONIA	WI	8,097	10,055	18,152	0	18,152
264.	THIRD COAST BK SSB	HUMBLE	TX	16,305	0	16,305	1,739	18,044
265.	CHEMUNG CANAL TC	ELMIRA	NY	17,987	0	17,987	0	17,987
266.	STIFEL B&T	SAINT LOUIS	MO	14,163	3,771	17,934	0	17,934
267.	BROADWAY NB	SAN ANTONIO	TX	17,863	0	17,863	0	17,863
268.	PREMIER BK	YOUNGSTOWN	OH	0	17,761	17,761	0	17,761
269.	KIRKPATRICK BK	EDMOND	OK	2,742	15,013	17,755	0	17,755
270.	STUDIO BK	NASHVILLE	TN	0	17,665	17,665	0	17,665
271.	BANK OF NEW ENGLAND	SALEM	NH	11,952	5,665	17,617	0	17,617
272.	BANK OF COLORADO	FORT COLLINS	CO	17,507	0	17,507	0	17,507
273.	KENNEBUNK SVG BK	KENNEBUNK	ME	0	17,399	17,399	0	17,399
274.	DEDHAM INST FOR SVG	DEDHAM	MA	17,366	0	17,366	0	17,366
275.	FIRST CITIZENS BK	MASON CITY	IA	115	0	115	17,229	17,344
276.	ORANGE B&TC	MIDDLETOWN	NY	17,298	0	17,298	0	17,298
277.	COMMERCIAL BK	HARROGATE	TN	1,721	15,536	17,257	0	17,257
278.	TRI CITY NB	OAK CREEK	WI	16,155	0	16,155	1,053	17,208
279.	FNCB BK	DUNMORE	PA	33	17,165	17,198	0	17,198
280.	FIRST FOUND BK	IRVINE	CA	17,193	0	17,193	0	17,193
281.	CORTRUST BK NA	MITCHELL	SD	17,184	0	17,184	0	17,184
282.	UNITED CMNTY BK	CHATHAM	IL	10,201	6,979	17,180	0	17,180
283.	EPHRATA NB	EPHRATA	PA	2,761	14,243	17,004	0	17,004
284.	GREAT SOUTHERN BK	REEDS SPRING	MO	4,467	12,533	17,000	0	17,000
285.	MORTON CMNTY BK	MORTON	IL	5,831	11,033	16,864	0	16,864
286.	INDUSTRIAL & CMRL BK	NEW YORK	NY	16,808	0	16,808	0	16,808
287.	FRMRS & MRCH BK CNT CA	LODI	CA	16,612	190	16,802	0	16,802
288.	FIRST DAKOTA NB	YANKTON	SD	16,781	0	16,781	0	16,781
289.	PEOPLES BK	MUNSTER	IN	6,177	10,531	16,708	0	16,708
290.	PEOPLESBK CODORUS VAL	YORK	PA	679	15,788	16,467	231	16,698
291.	SOUTHSIDE BK	TYLER	TX	16,651	0	16,651	0	16,651
292.	WEST BK	W DES MOINES	IA	16,600	0	16,600	0	16,600
293.	DBA REPUBLIC BANK	PHILADELPHIA	PA	16,453	0	16,453	0	16,453
294.	FIVE STAR BK	WARSAW	NY	8,788	7,620	16,408	0	16,408
295.	PENN CMNTY BK	DOYLESTOWN	PA	0	16,349	16,349	0	16,349
296.	FIELDPOINT PRIV B&TC	GREENWICH	CT	16,263	0	16,263	0	16,263
297.	LEGACY BK & TR CO	MOUNTN GRVE	MO	16,240	0	16,240	0	16,240
298.	MANUFACTURERS BK	LOS ANGELES	CA	12,879	0	12,879	3,284	16,163
299.	BRADESCO BK	CORAL GABLES	FL	15,971	0	15,971	129	16,100
300.	BANK OZK	LITTLE ROCK	AR	6,495	9,590	16,085	0	16,085
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
301.	STERLING BK	POPLAR BLUFF	MO	579	15,468	16,047	0	16,047
302.	HOME FED BK OF TN	KNOXVILLE	TN	8,682	7,181	15,863	0	15,863
303.	ENTERPRISE B&TC	LOWELL	MA	6,538	9,256	15,794	0	15,794
304.	OCEANFIRST BK NA	TOMS RIVER	NJ	0	14,473	14,473	1,162	15,635
305.	INTERNATIONAL BK CMRC	OKLA CITY	OK	14,782	810	15,592	0	15,592
306.	SMARTBANK	PIGEON FORGE	TN	12,894	2,673	15,567	0	15,567
307.	AMERICAN ST BK	SIOUX CENTER	IA	0	15,517	15,517	0	15,517
308.	PEOPLES BK	MARIETTA	OH	8,885	6,567	15,452	0	15,452
309.	INTERAUDI BK	NEW YORK	NY	0	15,388	15,388	0	15,388
310.	EMPRISE BK	WICHITA	KS	13,357	1,990	15,347	0	15,347
311.	CAPITAL CMNTY BK	PROVO	UT	0	15,324	15,324	0	15,324
312.	HORIZON BK SSB	AUSTIN	TX	15,262	0	15,262	0	15,262
313.	RED RIVER BK	ALEXANDRIA	LA	12,950	2,263	15,213	0	15,213
314.	STARION BK	BISMARCK	ND	14,242	934	15,176	0	15,176
315.	BANK OF CMRC	DUNCAN	OK	242	14,872	15,114	0	15,114
316.	SOUTHERN FIRST BK	GREENVILLE	SC	14,982	0	14,982	0	14,982
317.	COUNTRY CLUB BK	KANSAS CITY	MO	14,959	0	14,959	0	14,959
318.	HERITAGE BK OF CMRC	SAN JOSE	CA	14,950	0	14,950	0	14,950
319.	CAMBRIDGE SVG BK	CAMBRIDGE	MA	14,154	717	14,871	9	14,880
320.	SECURITY NB OF OMAHA	OMAHA	NE	10,053	4,077	14,130	700	14,830
321.	EXCHANGE BK	SANTA ROSA	CA	0	14,828	14,828	0	14,828
322.	FIRST B&T	BROOKINGS	SD	4,165	10,637	14,802	0	14,802
323.	FORTIFI BK	BERLIN	WI	390	14,378	14,768	0	14,768
324.	INB NA	SPRINGFIELD	IL	10,534	495	11,029	3,634	14,663
325.	FIRST NB CENTRAL TX	WACO	TX	14,612	0	14,612	0	14,612
326.	FIRST WESTERN B&TC	MINOT	ND	1,290	8,470	9,760	4,781	14,541
327.	ANDERSON BROS BK	MULLINS	SC	2,428	11,979	14,407	0	14,407
328.	BANKPLUS	BELZONI	MS	6,095	8,275	14,370	0	14,370
329.	SECURITY B&TC	GLENCOE	MN	33	14,162	14,195	0	14,195
330.	INVESTAR BK NA	BATON ROUGE	LA	14,118	52	14,170	0	14,170
331.	FIRST GUARANTY BK	HAMMOND	LA	0	14,170	14,170	0	14,170
332.	AMERICAN NB TX	TERRELL	TX	14,136	0	14,136	0	14,136
333.	TEXAS PTNRS BK	SAN ANTONIO	TX	9,424	2,583	12,007	2,075	14,082
334.	BANKWELL BK	NEW CANAAN	CT	0	13,988	13,988	0	13,988
335.	SCHAUMBURG B&TC NA	SCHAUMBURG	IL	11,416	2,481	13,897	0	13,897
336.	ESSA BK & TR	STROUDSBURG	PA	0	13,815	13,815	0	13,815
337.	BESSEMER TC NA	NEW YORK	NY	13,755	0	13,755	0	13,755
338.	HORIZON BK	MICHIGAN CITY	IN	13,650	0	13,650	0	13,650
339.	BANK OF BIRD-IN-HAND	BIRD IN HAND	PA	1,565	12,052	13,617	0	13,617
340.	WAYNE BK	HONESDALE	PA	0	13,616	13,616	0	13,616
341.	FIRST NB ALASKA	ANCHORAGE	AK	3,470	10,135	13,605	0	13,605
342.	ONB BK	ROCHESTER	MN	0	13,349	13,349	0	13,349
343.	STIFEL BK	ST. LOUIS	MO	0	13,338	13,338	0	13,338
344.	MERCHANTS BK NA	WINONA	MN	13,289	0	13,289	0	13,289
345.	STATE BK OF INDIA CA	LOS ANGELES	CA	13,286	0	13,286	0	13,286
346.	AMERICAN SVG BK FSB	HONOLULU	HI	13,021	0	13,021	101	13,122
347.	CORNERSTONE BK	SPENCER	MA	11,680	1,364	13,044	0	13,044
348.	CASS CMRL BK	DES PERES	MO	12,521	0	12,521	502	13,023
349.	CAPE COD FIVE CENTS SB	HYANNIS	MA	0	0	0	12,933	12,933
350.	STATE BK OF SOUTHERN UT	CEDAR CITY	UT	585	12,343	12,928	0	12,928
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
351.	FINANCIAL FED BK	MEMPHIS	TN	0	12,890	12,890	0	12,890
352.	AMERICAN BK OF MO	WELLSVILLE	MO	0	3,115	3,115	9,619	12,734
353.	BLUE SKY BK	PAWHUSKA	OK	6,895	5,748	12,643	0	12,643
354.	SALEM FIVE CENTS SVG BK	SALEM	MA	8,448	4,163	12,611	0	12,611
355.	CALPRIVATE BK	LA JOLLA	CA	12,594	0	12,594	0	12,594
356.	FRANDSEN B&T	LONSDALE	MN	2,605	7,496	10,101	2,489	12,590
357.	BLACKHAWK BK	BELOIT	WI	12,419	0	12,419	0	12,419
358.	BANK FORWARD	FARGO	ND	12,295	0	12,295	0	12,295
359.	TEXAS CMNTY BK	LAREDO	TX	0	12,140	12,140	0	12,140
360.	FIRST BK	STRASBURG	VA	222	11,864	12,086	0	12,086
361.	BANK IA	W DES MOINES	IA	9,336	0	9,336	2,731	12,067
362.	REPUBLIC B&TC	LOUISVILLE	KY	7,439	4,482	11,921	0	11,921
363.	SIGNATURE BK	ROSEMONT	IL	7,931	3,983	11,914	0	11,914
364.	AMERICAN NB&TC	DANVILLE	VA	11,826	0	11,826	0	11,826
365.	JUNIATA VALLEY BK	MIFFLINTOWN	PA	613	1,874	2,487	9,266	11,753
366.	ALPINE BK	GLENWD SPRGS	CO	4,932	6,755	11,687	0	11,687
367.	AMERICAN CMRL B&TC NA	OTTAWA	IL	0	11,643	11,643	0	11,643
368.	TROY B&TC	TROY	AL	11,407	0	11,407	0	11,407
369.	READING CO-OP BK	READING	MA	0	0	0	11,359	11,359
370.	FIRST CMRL BK	JACKSON	MS	0	11,291	11,291	0	11,291
371.	BANKERS TC	DES MOINES	IA	7,035	4,097	11,132	107	11,239
372.	FIRST RESOURCE BK	EXTON	PA	0	11,236	11,236	0	11,236
373.	AMERICAN NB	OMAHA	NE	11,100	0	11,100	0	11,100
374.	CONWAY NB	CONWAY	SC	426	10,579	11,005	0	11,005
375.	FARMERS NB	PROPHETSTN	IL	10,993	0	10,993	0	10,993
376.	BANK OF STOCKTON	STOCKTON	CA	8,666	2,254	10,920	0	10,920
377.	SECURITY FNCL BK	DURAND	WI	1,200	9,575	10,775	72	10,847
378.	ONE CMNTY BK	OREGON	WI	100	10,585	10,685	0	10,685
379.	CORNERSTONE NB&TC	PALATINE	IL	8,468	2,195	10,663	0	10,663
380.	MERIDIAN BK	MALVERN	PA	0	10,658	10,658	0	10,658
381.	BANK FIRST NA	MANITOWOC	WI	8,241	2,295	10,536	0	10,536
382.	PLATINUM BK	OAKDALE	MN	1,202	9,330	10,532	0	10,532
383.	FIRSTBANK SW	AMARILLO	TX	10,456	0	10,456	0	10,456
384.	BURKE & HERBERT B&TC	ALEXANDRIA	VA	5,971	4,473	10,444	0	10,444
385.	CITIZENS & FARMERS BK	WEST POINT	VA	0	10,420	10,420	0	10,420
386.	FIRST CAROLINA BK	ROCKY MOUNT	NC	10,415	0	10,415	0	10,415
387.	NEXBANK	DALLAS	TX	10,380	0	10,380	0	10,380
388.	PATHWARD NA	SIOUX FALLS	SD	10,374	0	10,374	0	10,374
389.	LYONS NB	LYONS	NY	8,131	2,238	10,369	0	10,369
390.	NORTHEAST CMNTY BK	WHITE PLAINS	NY	10,338	0	10,338	0	10,338
391.	FIRST MID B&TC NA	MATTOON	IL	7,329	2,947	10,276	0	10,276
392.	JONESTOWN B&TC	JONESTOWN	PA	521	9,736	10,257	0	10,257
393.	FARMERS & MRCH BK	LAKELAND	GA	10,203	0	10,203	0	10,203
394.	REPUBLIC BK OF CHICAGO	OAK BROOK	IL	5,803	4,384	10,187	0	10,187
395.	TOLLESON PRIV BK	DALLAS	TX	10,175	0	10,175	0	10,175
396.	INDEPENDENCE BK OF KY	OWENSBORO	KY	1,011	9,099	10,110	0	10,110
397.	MACATAWA BK	HOLLAND	MI	8,425	1,609	10,034	0	10,034
398.	FIRST CMNTY BK OF TN	SHELBYVILLE	TN	9,979	0	9,979	0	9,979
399.	CITY BK	LUBBOCK	TX	9,946	0	9,946	0	9,946
400.	LAKE RIDGE BK	MONONA	WI	4,203	5,736	9,939	0	9,939
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
401.	VISTA BK	DALLAS	TX	7,533	2,392	9,925	0	9,925
402.	NBH BK	GREENWD VIL	CO	9,490	250	9,740	141	9,881
403.	INDEPENDENT BK	GRAND RAPIDS	MI	4,796	5,049	9,845	0	9,845
404.	STURGIS B&TC	STURGIS	MI	9,795	0	9,795	0	9,795
405.	ALERUS FNCL NA	GRAND FORKS	ND	9,734	0	9,734	0	9,734
406.	BANK INDEP	SHEFFIELD	AL	0	9,653	9,653	0	9,653
407.	HOME FSB	ROCHESTER	MN	0	8,422	8,422	1,228	9,650
408.	STAR FNCL BK	FORT WAYNE	IN	9,347	258	9,605	0	9,605
409.	INTERBANK	OKLA CITY	OK	6,402	3,178	9,580	0	9,580
410.	OPPORTUNITY BK OF MT	HELENA	MT	6,155	3,228	9,383	0	9,383
411.	PARTNERS BK	HELENA	AR	0	0	0	9,376	9,376
412.	CAPSTAR BK	NASHVILLE	TN	2,828	6,504	9,332	0	9,332
413.	MAPLEMARK BK	DALLAS	TX	9,331	0	9,331	0	9,331
414.	FIRST FARMERS & MRCH B	COLUMBIA	TN	3,246	6,077	9,323	0	9,323
415.	SUNSTATE BK	MIAMI	FL	4,308	0	4,308	5,000	9,308
416.	PEOPLES B&TC	MCPHERSON	KS	0	0	0	9,241	9,241
417.	HOMESTREET BK	SEATTLE	WA	9,128	100	9,228	0	9,228
418.	OHIO VALLEY BK CO	GALLIPOLIS	OH	9,220	0	9,220	0	9,220
419.	1ST ST BK	SAGINAW	MI	9,170	0	9,170	0	9,170
420.	DECORAH B&TC	DECORAH	IA	9,147	0	9,147	0	9,147
421.	VAST BK NA	TULSA	OK	6,284	2,861	9,145	0	9,145
422.	KISH BK	BELLEVILLE	PA	6,156	2,841	8,997	0	8,997
423.	FARMERS ST BK	WATERLOO	IA	8,963	0	8,963	0	8,963
424.	WASHINGTON TC WESTRLY	WESTERLY	RI	7,971	984	8,955	0	8,955
425.	FIRST PREMIER BK	SIOUX FALLS	SD	8,937	0	8,937	0	8,937
426.	AMERICAN B&TC	TULSA	OK	4,076	4,834	8,910	0	8,910
427.	RIVERLAND BK	JORDAN	MN	8,872	0	8,872	0	8,872
428.	GUARANTY BK	SPRINGFIELD	MO	1,667	7,182	8,849	0	8,849
429.	ITASCA B&TC	ITASCA	IL	1,869	6,976	8,845	0	8,845
430.	STEARNS BK NA	SAINT CLOUD	MN	8,837	0	8,837	0	8,837
431.	FIRST ST BK	WEBSTER CITY	IA	8,820	0	8,820	0	8,820
432.	COMMUNITY NB&TC	CHANUTE	KS	8,801	0	8,801	0	8,801
433.	FIRST CMNTY BK	BATESVILLE	AR	8,794	0	8,794	0	8,794
434.	MERRIMACK CTY SVG BK	CONCORD	NH	0	8,749	8,749	0	8,749
435.	YELLOWSTONE BK	LAUREL	MT	2,058	6,657	8,715	0	8,715
436.	WHITAKER BK	LEXINGTON	KY	1,050	7,655	8,705	0	8,705
437.	FIRST FSB OF TWIN FALLS	TWIN FALLS	ID	0	8,703	8,703	0	8,703
438.	SOUTHERN B&TC	MOUNT OLIVE	NC	8,687	0	8,687	0	8,687
439.	PLAINS CMRC BK	SIOUX FALLS	SD	8,478	0	8,478	0	8,478
440.	BRYANT BK	TUSCALOOSA	AL	3,428	5,039	8,467	0	8,467
441.	MERCHANTS BK OF IN	CARMEL	IN	0	8,455	8,455	0	8,455
442.	GUARANTY B&TC NA	MT PLEASANT	TX	8,396	0	8,396	0	8,396
443.	LAKESIDE BK	CHICAGO	IL	4,228	4,126	8,354	0	8,354
444.	SACO & BIDFORD SVG INST	SACO	ME	66	8,245	8,311	0	8,311
445.	ALLIANCE BK CENT TX	WOODWAY	TX	8,144	0	8,144	0	8,144
446.	TRIAD BK	FRONTENAC	MO	6,075	2,066	8,141	0	8,141
447.	B1BANK	BATON ROUGE	LA	0	0	0	8,131	8,131
448.	FIRST NB OF JEANERETTE	JEANERETTE	LA	8,115	0	8,115	0	8,115
449.	CFG BK	LUTHERVILLE	MD	6,812	1,295	8,107	0	8,107
450.	CROWN BK	EDINA	MN	8,100	0	8,100	5	8,105
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
451.	DIME BK	HONESDALE	PA	8,097	0	8,097	0	8,097
452.	MONTICELLO BKG CO	MONTICELLO	KY	940	7,146	8,086	0	8,086
453.	PEOPLES BK OF AL	CULLMAN	AL	8,059	0	8,059	0	8,059
454.	EMIGRANT BK	NEW YORK	NY	8,055	0	8,055	0	8,055
455.	GBC INTL BK	LOS ANGELES	CA	8,054	0	8,054	0	8,054
456.	FIRST FED B&TC	SHERIDAN	WY	6,118	1,175	7,293	744	8,037
457.	FIRST NB OF GILLETTE	GILLETTE	WY	0	8,024	8,024	0	8,024
458.	UWHARRIE BK	ALBEMARLE	NC	7,988	0	7,988	0	7,988
459.	BANK OF TX	MIDLAND	TX	300	7,627	7,927	0	7,927
460.	BANESCO USA	MIAMI	FL	7,812	0	7,812	114	7,926
461.	SOUTHERN MI B&TC	COLDWATER	MI	338	7,579	7,917	0	7,917
462.	FIRST NB OK	OKLA CITY	OK	0	7,878	7,878	0	7,878
463.	JONAH BK	CASPER	WY	0	7,860	7,860	0	7,860
464.	MANUFACTURERS B&TC	FOREST CITY	IA	3,047	0	3,047	4,797	7,844
465.	CONVERSE CTY BK	DOUGLAS	WY	3,915	3,929	7,844	0	7,844
466.	CITY NB OF WV	CHARLESTON	WV	3,588	1,714	5,302	2,526	7,828
467.	INTEGRITY BK & TR	MONUMENT	CO	0	7,815	7,815	0	7,815
468.	MACHIAS SVG BK	MACHIAS	ME	4,412	3,384	7,796	0	7,796
469.	BANK OF TAMPA	TAMPA	FL	7,201	585	7,786	0	7,786
470.	BANK ANN ARBOR	ANN ARBOR	MI	1,892	5,868	7,760	0	7,760
471.	BANK3	MEMPHIS	TN	5,669	1,998	7,667	0	7,667
472.	FARMERS BK	PORTLAND	TN	0	7,655	7,655	0	7,655
473.	AMERISERV FNCL BK	JOHNSTOWN	PA	5,093	2,557	7,650	0	7,650
474.	ADIRONDACK BK	UTICA	NY	7,634	0	7,634	0	7,634
475.	FIRST NB&TC OF ARDMORE	ARDMORE	OK	6,432	1,177	7,609	0	7,609
476.	BANCO DO BRASIL AMERS	MIAMI	FL	7,585	0	7,585	0	7,585
477.	BANKFINANCIAL NA	OLYMPIA FLDS	IL	7,496	70	7,566	0	7,566
478.	HOMETOWN NB	LA SALLE	IL	0	7,564	7,564	0	7,564
479.	BANKIOWA	CEDAR RAPIDS	IA	7,547	0	7,547	0	7,547
480.	PLANTERS BK	HOPKINSVILLE	KY	1,989	5,515	7,504	0	7,504
481.	ION BK	NAUGATUCK	CT	1,663	5,827	7,490	0	7,490
482.	BANK OF MO	PERRYVILLE	MO	7,490	0	7,490	0	7,490
483.	TEXAS RGNL BK	HARLINGEN	TX	1,333	6,107	7,440	0	7,440
484.	CITIZENS BK	COLUMBIA	MS	0	0	0	7,421	7,421
485.	FIRST B&TC	DUNCAN	OK	7,410	0	7,410	0	7,410
486.	WEST TX NB	MIDLAND	TX	7,399	0	7,399	0	7,399
487.	NORTHFIELD SVG BK	NORTHFIELD	VT	6,223	1,174	7,397	0	7,397
488.	VIRGINIA NB	CHARLOTTSVIL	VA	3,704	3,679	7,383	0	7,383
489.	FIRST NB	PANDORA	OH	7,000	383	7,383	0	7,383
490.	FIRST ST BK	GAINESVILLE	TX	7,352	0	7,352	0	7,352
491.	CENTRAL BK IL	GENESEO	IL	0	7,330	7,330	0	7,330
492.	TRADITIONS BK	YORK	PA	1,681	5,588	7,269	0	7,269
493.	M1 BK	CLAYTON	MO	0	7,268	7,268	0	7,268
494.	HILLS B&TC	HILLS	IA	7,265	0	7,265	0	7,265
495.	21ST CENTURY BK	LORETTO	MN	357	6,903	7,260	0	7,260
496.	FIRST NB OF FORT SMITH	FORT SMITH	AR	1,867	5,371	7,238	0	7,238
497.	C3BANK NA	ENCINITAS	CA	0	7,209	7,209	0	7,209
498.	LONE STAR ST BK OF W TX	LUBBOCK	TX	7,208	0	7,208	0	7,208
499.	FIRST ST BK OF SOUTHEAST	MIDDLESBORO	KY	0	7,171	7,171	0	7,171
500.	WESTFIELD BK	WESTFIELD	MA	5,307	1,862	7,169	0	7,169
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
501.	FIRST UNITED B&TR	OAKLAND	MD	0	7,089	7,089	0	7,089
502.	METRO CITY BK	DORAVILLE	GA	0	7,028	7,028	0	7,028
503.	SOUTHEAST BK	FARRAGUT	TN	3,572	3,443	7,015	0	7,015
504.	THOMASVILLE NB	THOMASVILLE	GA	7,011	0	7,011	0	7,011
505.	MRV BKS	STE GENEVIEVE	MO	6,946	0	6,946	0	6,946
506.	WEST GATE BK	LINCOLN	NE	6,940	0	6,940	0	6,940
507.	ESQUIRE BK NA	JERICHO	NY	0	6,939	6,939	0	6,939
508.	OAKWORTH CAP BK	BIRMINGHAM	AL	6,575	343	6,918	0	6,918
509.	HORIZON BK	WAVERLY	NE	0	1,374	1,374	5,543	6,917
510.	SOLVAY BK	SOLVAY	NY	25	6,885	6,910	0	6,910
511.	FIRST COLUMBIA B&TC	BLOOMSBURG	PA	6,882	0	6,882	0	6,882
512.	ACCESS BK	OMAHA	NE	0	4,226	4,226	2,652	6,878
513.	PADUCAH B&TC	PADUCAH	KY	6,868	0	6,868	0	6,868
514.	DUBUQUE B&TC	DUBUQUE	IA	2,666	3,485	6,151	717	6,868
515.	AMERICAN BK NA	CORPS CHRISTI	TX	6,866	0	6,866	0	6,866
516.	FIRST CMNTY BK	CORPS CHRISTI	TX	2,206	4,600	6,806	0	6,806
517.	AMERICAN NB&TC	WICHITA FALLS	TX	0	6,799	6,799	0	6,799
518.	CAPITAL CITY BK	TALLAHASSEE	FL	6,796	0	6,796	0	6,796
519.	SOMERSET TC	SOMERSET	PA	2,441	4,343	6,784	0	6,784
520.	NEWFIRST NB	EL CAMPO	TX	6,726	0	6,726	0	6,726
521.	FIRST NB	TOM BEAN	TX	6,500	0	6,500	223	6,723
522.	CANANDAIGUA NB&TC	CANANDAIGUA	NY	275	6,434	6,709	0	6,709
523.	CLEAR FORK BK NA	ALBANY	TX	0	6,687	6,687	0	6,687
524.	BANTERRA BK	MARION	IL	6,682	0	6,682	0	6,682
525.	AMERICAN CMNTY B&T	WOODSTOCK	IL	1,380	5,269	6,649	0	6,649
526.	NATIONAL BK OF CMRC	SUPERIOR	WI	528	6,119	6,647	0	6,647
527.	FIRST NB OF LONG ISLAND	GLEN HEAD	NY	2,836	3,799	6,635	0	6,635
528.	TRADITIONAL BK	MT STERLING	KY	3,781	2,847	6,628	0	6,628
529.	CITY NB	SULPHUR SPGS	TX	0	6,584	6,584	0	6,584
530.	GUARANTY B&TC	BELZONI	MS	6,558	0	6,558	0	6,558
531.	SUNWEST BK	SANDY	UT	0	6,547	6,547	0	6,547
532.	ROYAL BUS BK	LOS ANGELES	CA	2,687	0	2,687	3,852	6,539
533.	COMMUNITY BK OF MS	FLOWOOD	MS	384	1,155	1,539	4,977	6,516
534.	FIRST TX BK	GEORGETOWN	TX	387	6,123	6,510	0	6,510
535.	ACADEMY BK NA	KANSAS CITY	MO	2,405	4,088	6,493	0	6,493
536.	US CENTURY BK	MIAMI	FL	1,925	274	2,199	4,291	6,490
537.	INTERNATIONAL BK CMRC	BROWNSVILLE	TX	3,969	2,484	6,453	0	6,453
538.	CITIZENS ALLI BK	CLARA CITY	MN	6,328	0	6,328	100	6,428
539.	LOWELL FIVE CENT SVG BK	TEWKSBURY	MA	860	5,561	6,421	0	6,421
540.	SOUTHERN BK	POPLAR BLUFF	MO	6,411	0	6,411	0	6,411
541.	FIRST PORT CITY BK	BAINBRIDGE	GA	4,038	2,372	6,410	0	6,410
542.	NORTHFIELD BK	STATEN ISLAND	NY	0	0	0	6,391	6,391
543.	NORTHWESTERN BK	CHIPPEWA FLS	WI	169	6,221	6,390	0	6,390
544.	INBANK	RATON	NM	6,377	0	6,377	0	6,377
545.	FIDELITY BK NA	WICHITA	KS	5,170	1,189	6,359	0	6,359
546.	SOUTHERN BANCORP BK	ARKADELPHIA	AR	5,395	929	6,324	25	6,349
547.	AMBOY BK	OLD BRIDGE	NJ	6,347	0	6,347	0	6,347
548.	BEAL BK USA	LAS VEGAS	NV	6,303	0	6,303	0	6,303
549.	TOWN BK NA	HARTLAND	WI	4,189	2,066	6,255	46	6,301
550.	PEOPLESBANK	HOLYOKE	MA	871	5,423	6,294	0	6,294
Rank	Institution	City	State	Net Financial Standby LCs	Net Performance Standby LCs	Net Standby LCs	Commercial & Similar LCs	Net Letters of Credit
551.	FRANKLIN B&TC	FRANKLIN	KY	6,292	0	6,292	0	6,292
552.	PS BK	WYALUSING	PA	6,289	0	6,289	0	6,289
553.	GORHAM SVG BK	GORHAM	ME	0	6,266	6,266	0	6,266
554.	FIRST NAT B&TC	BELOIT	WI	6,260	0	6,260	0	6,260
555.	BRAVERA BK	DICKINSON	ND	6,251	0	6,251	0	6,251
556.	INWOOD NB	DALLAS	TX	6,220	0	6,220	0	6,220
557.	FVCBANK	FAIRFAX	VA	6,197	0	6,197	0	6,197
558.	LUZERNE BK	LUZERNE	PA	3,333	2,857	6,190	0	6,190
559.	VERABANK NA	HENDERSON	TX	5,776	355	6,131	0	6,131
560.	ANDROSCOGGIN SVG BK	LEWISTON	ME	1,127	4,993	6,120	0	6,120
561.	FIRST NB IN SIOUX FALLS	SIOUX FALLS	SD	6,111	0	6,111	0	6,111
562.	OPEN BK	LOS ANGELES	CA	5,814	0	5,814	296	6,110
563.	RESOURCE BK	COVINGTON	LA	1,567	4,542	6,109	0	6,109
564.	WAUKESHA ST BK	WAUKESHA	WI	4,222	1,876	6,098	0	6,098
565.	NEXTIER BK	NA KITTANNING	PA	795	5,302	6,097	0	6,097
566.	UNITY BK	CLINTON	NJ	0	6,094	6,094	0	6,094
567.	PCB BK	LOS ANGELES	CA	5,923	0	5,923	160	6,083
568.	FIRST NB OF HUTCHINSON	HUTCHINSON	KS	6,078	0	6,078	0	6,078
569.	FARMERS NB	CANFIELD	OH	2,094	3,956	6,050	0	6,050
570.	WALLIS BK	WALLIS	TX	6,043	0	6,043	0	6,043
571.	BANK OF CMRC	IDAHO FALLS	ID	6,040	0	6,040	0	6,040
572.	NORTH SIDE B&TC	CINCINNATI	OH	0	3,044	3,044	2,986	6,030
573.	SECURITY FIRST BK	LINCOLN	NE	6,025	0	6,025	0	6,025
574.	AMERICAN MOMENTUM BK	COLLEGE STN	TX	2,681	3,263	5,944	0	5,944
575.	RIVER B&T	PRATTVILLE	AL	5,933	0	5,933	0	5,933
576.	OAKSTAR BK	SPRINGFIELD	MO	5,560	0	5,560	353	5,913
577.	PINNACLE BK	FORT WORTH	TX	5,906	0	5,906	0	5,906
578.	CAMDEN NB	CAMDEN	ME	789	5,091	5,880	0	5,880
579.	FIRST KEYSTONE CMNTY BK	BERWICK	PA	2,130	3,721	5,851	0	5,851
580.	PREMIER BK	DUBUQUE	IA	0	5,836	5,836	0	5,836
581.	FIRST JACKSON BK	STEVENSON	AL	5,834	0	5,834	0	5,834
582.	HOMETOWN BK NA	GALVESTON	TX	3,669	2,164	5,833	0	5,833
583.	FIRST WHITNEY B&TC	ATLANTIC	IA	5,809	0	5,809	0	5,809
584.	FIRST FNCL BK NA	TERRE HAUTE	IN	0	0	0	5,785	5,785
585.	SAINT LOUIS BK	ST LOUIS	MO	4,979	804	5,783	0	5,783
586.	FIRST TX BK	KILLEEN	TX	5,010	754	5,764	0	5,764
587.	FIRST CITIZENS NB	DYERSBURG	TN	0	0	0	5,755	5,755
588.	RIVERWOOD BK	BAXTER	MN	4,553	1,179	5,732	0	5,732
589.	CITIZENS ST BK N CASTLE	NEW CASTLE	IN	1,796	3,936	5,732	0	5,732
590.	FIRST SECURITY BK	BATESVILLE	MS	50	5,675	5,725	0	5,725
591.	FIRST AMER BK	ARTESIA	NM	723	4,692	5,415	288	5,703
592.	BENCHMARK BK	PLANO	TX	5,700	0	5,700	0	5,700
593.	NATIONAL CAPITAL BK	WASHINGTON	DC	5,675	0	5,675	0	5,675
594.	FIDELITY BK	WEST MEMPHIS	AR	5,656	0	5,656	0	5,656
595.	COLONY BK	FITZGERALD	GA	5,656	0	5,656	0	5,656
596.	NORTHERN B&TC	WOBURN	MA	5,631	0	5,631	0	5,631
597.	WEST MI CMNTY BK	HUDSONVILLE	MI	2,178	3,448	5,626	0	5,626
598.	PEOPLES ST BK	NEWTON	IL	3,325	2,281	5,606	0	5,606
599.	FIDELITY BK	FUQUAY VRNA	NC	5,596	0	5,596	0	5,596
600.	FIRST UNITED BK	DIMMITT	TX	5,586	0	5,586	0	5,586
	Total			277,301,067	40,390,174	317,691,241	16,211,703	333,902,944

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Documentary Credit World

US BANKS

3RD QUARTER 2023

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

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