South Carolina Lending Activity

PayNet Small Business Lending Index

As of June 2015

NAICS Industry Detail

Rolling 12-mo Basis

SC
US

Index

Y.o.Y Chg

102.4
102.8

+8.8%
+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

108.7

110.5

86.8

Y.o.Y Change

Y.o.Y Change

-2.9%

+24.8%

+24.5%

51

62

Information

Health Care and Social

Assistance

Index

Index

54.7

132.1

142.7

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

-17.2%

+14.6%

-5.5%

52

Construction

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

SC - SBLI Yr. over Yr. Change

11

SC SBLI

Arts, Entertainment,
and Recreation

Index

Index

74.5

60.2

208.9

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+32.5%

+6.3%

-1.4%

53

Manufacturing

Real Estate and Rental and Leasing

72

Accommodation and
Food Services

Index

Index

Index

109.6

79.2

176.9

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

-14.2%

-0.5%

+25.3%

54

Wholesale Trade

Professional, Scientific, and

Technical Services

81

Index

Other Services

Index

Index

102.4

121.3

105.3

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+6.4%

+10.0%

+1.2%

44-45 Retail Trade

56

Admin, Supp, Waste Mgmt &

Remediation Serv

92

Public Administration

Index

Index

Index

77.4

119.9

95.1

Y.o.Y Change

Y.o.Y Change

Y.o.Y Change

+33.8%

-4.7%

+24.3%

South Carolina Loan Performance

PayNet Small Business Delinquency Index

As of June 2015

State and Industry Detail

Y.o.Y Chg

1.06%
1.22%

-0.07%
-0.01%

Thomson Reuters / PayNet US SBDI

4.0%

SC - SBDI Yr. over Yr. Change

1%

% Change

SC SBDI

5.0%

31 - 90 DPD

SC
US

Jun '15

0%

3.0%

2.0%

1.0%

-1%

0.0%

-2%
J

'05

State Index vs.

Agriculture

31-90 DPD

0.73%
Y.o.Y Chg

NAICS: 11

-0.11%

'06

'07

'08

'09

Construction &
Mining

31-90 DPD

NAICS: 21 23

-0.34%

2.25%

NAICS: see footnote

2.0%

2.0%

1.0%

1.0%

1.0%

1.0%

0.0%
1.0%

J A S O N D J

F M A M J

1.0%

0.5%

0.5%

0.0%

0.0%

0.0%

-0.5%

-0.5%

-0.5%

-1.0%

-1.0%

-1.0%

-1.5%

-1.5%

-1.5%

31-90 DPD

1.04%

Retail & Restaurant

Y.o.Y Chg

NAICS: 62

-0.83%

31-90 DPD

0.44%

NAICS: 42 44 72

-0.65%

NAICS: 48

2.0%

2.0%

2.0%

1.0%

1.0%

1.0%

1.0%

0.0%
F M A M J

1.0%

31-90 DPD

0.93%
0.08%

F M A M J

31-90 DPD

1.89%
Y.o.Y Chg

3.0%

J A S O N D J

J A S O N D J

Y.o.Y Chg
3.0%

Transportation

3.0%

0.0%

'15

0.0%
J

0.5%

Healthcare

'14

Y.o.Y Chg

2.0%

F M A M J

'13

Y.o.Y Chg
3.0%

J A S O N D J

'12

General *

3.0%

'11

State Industry Indices

3.0%

0.0%

'10

0.35%

0.0%
J

J A S O N D J

F M A M J

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%

-1.5%

-1.5%

-1.5%

* 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