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• W214568817 abstract "Community bankers note deteriorating credit and falling loan demand VOICES/the economy Our Local economy can't continue the sustained growth rate that has occurred during the past to eight Texas banker housing market here has slowed. The number of homes on the market is up and the number of days they have been on the market is up. Auto sates are down and construction has slowed Iowa banker Things have been too good, too long. Now we have high gas prices. And the declining stock market will tend to deter future confidence Alabama banker are the voices of community bankers from around the country, gathered in the third-annual edition of the ABA Community Bankers Council/ABA Banking Journal Community Bank Yearend Credit Survey. This year's survey is based on responses from 72 members of the ABA Community Bankers Council, collected in mid-November. When the survey began several years the federal regulators were expressing concerns about credit quality. At the time, bankers sometimes questioned regulators' worries. But this time around, the two sides appear to be more in sync than ever. As shown in Exhibit 1, nearly seven out of ten bankers polled believe that the long-anticipated downturn has arrived, or will arrive in 2001. There were pockets of deep pessimism as well as areas where the outlook still appeared to be favorable, such as among banks in the West. And not everyone thought that an economic reversal would necessarily be all that devastating. Nevertheless, many bankers reported that their institutions are taking steps to prepare for a downturn. VOICES/preparing for a downturn Maryland: We've hired a problem asset officer. Georgia: are tightening the belt and taking a much narrower view on loan requests. Missouri: consistently review loan concentrations and keep a close watch on delinquent loans. Minnesota: are attempting to firm up our underwriting; improve our loan pricing; develop additional sources of fee income; and expand our use of government guarantees. Alabama: We're resisting higher Loan-to-value percentages on commercial loan approvals just to get their business. And we're reviewing upcoming loan renewals carefully. Kansas: We're making sure we don't compromise loan standards, regardless of what the competition is doing. Oklahoma: are tightening credit rather dramatically. We are moving toward identifying those that we would like out of the bank--while they can still move. Colorado: We're competing on price, but not on underwriting. California: We're increasing our loan loss reserves. Credit trends Part of the concern about the year ahead results from conditions existing now, including high debt levels. Consumer debt levels are high and the savings rate is low, observes a South Carolina banker. These factors should cause some tightening of lending standards and credit in general. As Exhibit 2 shows, overall, debt levels are on the high side in all credit types among community banks. Many participating banks, for instance, reported that consumer debt, especially, was And in each of the three loan categories investigated in the question, at least a third of the sample ranked debt levels at least high, if not high. Reports of low debt levels were rare. Bankers were asked for their rankings of delinquencies at their banks in three time periods -- six months ago, one month ago, and projection for the next months--for five loan types: commercial and industrial; consumer; residential mortgages; commercial real estate; and agricultural. The results generally indicated a very gradual slide in loan quality in all categories, with the most noticeable drops being seen in ag and consumer lending. …" @default.
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• W214568817 date "2001-01-01" @default.
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• W214568817 title "Is the Boom Actually Ending" @default.
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