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• W2992554080 abstract "7 Corporate lending officers assess the runup in business lending in the light of past problems Are bankers the architects of their own difficulties or the victims of cycles beyond their control? Commercial and industrial loans increased by more than 9% in 1994--the largest increase in a decade, according to the Federal Reserve Bulletin--and were up by more than 13% in the first quarter--a 20-year record. Regulators have been urging banks to exercise caution. Is there a problem, and if there is, are people focusing on the right issues ? To explore this, ABA Banking Journal asked six bankers to participate in a telephone roundtable on the subject. All but one is a member of ABA's Corporate Banking Division Executive Committee: * Richard I. Witherow, executive vice-president, Bank One, Columbus, N.A., and ABA division vice-chairman. * William C. Barksdale, senior vice-president, Wachovia Bank of South Carolina, Columbia. * Timothy R. Bottoms, group executive vice-president, U.S. Corporate Group, Bank of America NT & SA, San Francisco. * K. Gordon Greer, chairman, Bank IV Kansas, N.A., Wichita, Kan. * W. Jeffrey Pickryl, president and chief credit officer, Liberty Bank and Trust of Tulsa, N.A., Tulsa, Okla. * William H. Queenan, executive vice-president and chief credit officer, Norwest Corp. (Queenan's comments, obtained in a separate interview, have been edited into the text.) Highlights of the discussion, moderated by Executive Editor Steve Cocheo, are presented here. QUALITY CHECK seem to forget the lessons of the past so quickly Q. Are there grounds for the concern expressed by Washington over banks' loan growth? Witherow (Bank One): Clearly credit standards are deteriorating from where they were two or three years ago, but it's being done with quality companies. Pickryl (Liberty): Our two primary markets are Oklahoma City and Tulsa. It's fair to say that loan supply sources are far exceeding creditworthy demand--it's a borrower's market. That's resulted in substantial pricing pressures. There are fewer personal guarantees on loans to closely held businesses and fewer meaningful covenants. Having said that, though, there is far less highly leveraged transaction activity than there was several years ago. There is far less commodity-type lending going on today versus several years ago. There are virtually no spec real estate projects being done in my markets. Overall, credit quality is holding up pretty well. New loan demand is coming as a byproduct of what I would consider good reasons for borrowing--working capital and higher levels of receivables and inventory as a byproduct of increasing demand for a business' product. Greer (Bank IV Kansas): There's far too many lenders chasing too few deals. The competition at first was on interest rates. As that got down to the nub, then the competition in the industry began reducing credit standards, terms, and conditions. As long as we don't go into a recession that lasts some period of time, we'll probably get away with it. But during a longer recessionary period, I think we'll see some decisions come back to haunt some lenders. Several of these good customers, hit with a couple years of adverse business climate, might not be ones you'd be quite as proud of. We can't continue to have a great economy like the past several years. We seem to forget the lessons of the past so quickly. Queenan (Norwest): If over some extended period your loans grow faster than the economy grows, you're starting to reach. It comes down to how committed you are to trying to stay the course. We are working at it all the time, trying not to give in on structure and not to let that risk appetite get too large. If the industry does have problems, I don't think they're going to be as severe as the last go-round. There's no big thing going on like energy lending. …" @default.
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• W2992554080 title "Loan Quality Deja Vu? Credit Lending Officers Assess the Runup in Business Lending in the Light of Past Problems" @default.
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