Indiana Lending Activity

PayNet Small Business Lending Index

As of June 2015

NAICS Industry Detail

Rolling 12-mo Basis

IN
US

Index

Y.o.Y Chg

110.9
102.8

+1.4%
+4.0%

150

120

Index

50%

110
100

25%

90

0%

80

-25%

70

-50%

60
J

Agriculture, Forestry, Fishing and

Hunting

48-49
48-49

'05

'06

'07

Transportation and Warehousing

Index

21

11
61

'10

'11

'12

'13

'14

'15

Educational Services
Index

172.9

113.8

127.0

Y.o.Y Change

Y.o.Y Change

-17.5%

+28.5%

-4.7%

51

62

Information

Health Care and Social

Assistance

Index

Index

133.2

87.0

101.3

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+33.1%

-3.6%

52

Construction

-16.6%

71

Finance and Insurance

Index

42

'09

Y.o.Y Change

Mining, Quarrying, and Oil and Gas

Extraction

31-33

'08

Index

Index

23

Thomson Reuters / PayNet US SBLI

130

75%

% Change

US SBLI

140

IN - SBLI Yr. over Yr. Change

11

IN SBLI

Arts, Entertainment,
and Recreation

Index

Index

97.7

62.4

154.2

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+31.8%

-25.0%

+18.8%

53

Manufacturing

Real Estate and Rental and Leasing

72

Accommodation and
Food Services

Index

Index

Index

89.2

79.1

102.0

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+37.6%

+9.7%

+26.1%

54

Wholesale Trade

Professional, Scientific, and

Technical Services

81

Index

Other Services

Index

Index

93.5

101.5

129.2

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

-19.0%

-14.3%

+3.0%

44-45 Retail Trade

56

Admin, Supp, Waste Mgmt &

Remediation Serv

92

Public Administration

Index

Index

Index

73.0

99.0

94.5

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

-7.4%

-4.7%

+15.9%

Indiana Loan Performance

PayNet Small Business Delinquency Index

As of June 2015

State and Industry Detail

Y.o.Y Chg

0.77%
1.22%

0.09%
-0.01%

IN - SBDI Yr. over Yr. Change

2%

% Change

IN SBDI

4.0%

31 - 90 DPD

IN
US

Jun '15

1%

Thomson Reuters / PayNet US SBDI

3.0%

2.0%

1.0%

0%
0.0%

-1%
J

'05

State Index vs.

Agriculture

31-90 DPD

0.20%
Y.o.Y Chg

NAICS: 11

0.12%

'06

'07

'08

'09

Construction &
Mining
NAICS: 21 23

31-90 DPD

1.40%
0.42%

NAICS: see footnote

1.0%

1.0%

1.5%

0.0%
1.5%

J A S O N D J

F M A M J

1.5%

1.0%

1.0%

0.5%

0.5%

0.5%

0.0%

0.0%

0.0%

-0.5%

-0.5%

-0.5%

-1.0%

-1.0%

-1.0%

31-90 DPD

1.21%

Retail & Restaurant

Y.o.Y Chg

NAICS: 62

0.40%

31-90 DPD

1.27%

NAICS: 42 44 72

0.37%

NAICS: 48

1.0%

1.0%

1.0%

1.5%

0.0%
F M A M J

1.5%

31-90 DPD

0.61%
-0.02%

F M A M J

31-90 DPD

0.45%
Y.o.Y Chg

2.0%

J A S O N D J

J A S O N D J

Y.o.Y Chg
2.0%

Transportation

2.0%

0.0%

'15

0.0%
J

1.0%

Healthcare

'14

Y.o.Y Chg

1.0%

F M A M J

'13

Y.o.Y Chg
2.0%

J A S O N D J

'12

General *

2.0%

'11

State Industry Indices

2.0%

0.0%

'10

-0.08%

0.0%
J

J A S O N D J

F M A M J

1.5%

1.0%

1.0%

1.0%

0.5%

0.5%

0.5%

0.0%

0.0%

0.0%

-0.5%

-0.5%

-0.5%

-1.0%

-1.0%

-1.0%

* Note: General Industries include all diversified manufacturing and services not included in the other PayNet industry categories.

J A S O N D J

F M A M J