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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