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The Color of Money

Day two, chart two


Small-business lending

Atlanta's most active
Small Business Administration lenders


The Atlanta Journal-Constitution

Published May 2, 1988, Page A1

Copyright 1988, The Atlanta Journal-Constitution


Overall

% of SBA dollars

% of SBA dollars

SBA loan

to minority- &

to minority- &

performance

women-owned firms

low-income

ZIP code areas

Rank

Score

Rank

Score

Rank

Score

1. Trust Co.

71

1. Trust Co.

20%

1. C&S

36%

2. Southern Fed.

66

2. C&S

14%

2. Trust Co.

33%

3. Fulton Fed.

64

3. Bank South

13%

3. Bank South

31%

4. Bank South

62

4. Southern Fed.

11%

4. First Atlanta

29%

5. C&S

58

5. NCNB

9%

5. Fulton Fed.

26%

6. NCNB

48

6. Fulton Fed.

9%

6. Southern Fed.

15%

7. First Atlanta

35

7. First Atlanta

8%

7. NCNB

10%


How the rankings were determined:

The Atlanta Journal-Constitution used the federal Freedom of Information Act to obtain a computer printout from the Small Business Administration listing information about each SBA-assisted loan in Georgia from 1/1/82 to 6/30/87.

All analysis was done for the newspaper by the Southern Finance Project, an independent, non-profit research organization in Charlotte, N.C.

The overall ranking is based on a simple scoring system. Lenders were ranked in 43 categories measuring volume and distribution of SBA loans. The score shown in the table is the percentage of the total possible points. A score of 100 would mean that an institution finished first in every category.

Black ZIP codes are those that are more than 50 percent minority. Low-income ZIP code areas are those with more than 20 percent of residents below the federal poverty standard. Percentages are based on each institution's SBA loans in 303- ZIP codes.

Sources: Southern Finance Project; Small Business Administration; 1986 Sourcebook of Demographics and Buying Power for Every ZIP Code in the USA; Depository Institutions Performance Directory; Federal Deposit Insurance Corp.; Federal Home Loan Bank Board.

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Reprinted with permission from The Atlanta Journal and The Atlanta Constitution. Further reproduction, retransmission or distribution of these materials without the prior written consent of The Atlanta Journal and The Atlanta Constitution, and any copyright holder identified in the material's copyright notice, is prohibited.

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