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25% of Senior Lenders report decrease in C&I Credit Lines for existing borrowers

The Senior Loan Officer Opinion Survey for January has just been issued by the Federal Reserve Board. In answer to a special question about limits on commercial lines of credit here is the latest word on the street:

Regarding existing accounts for businesses, roughly 60 percent, on balance, reported a decrease in the limits on commercial construction lines of credit, about 50 percent indicated a decrease in the limits on credit lines extended to financial firms, about 30 percent indicated a decrease in credit limits on business credit card accounts, and roughly 25 percent noted a decrease in the size of C&I credit lines.

It is interesting. I read this in the news and even at the Federal Reserve Board site, but then I read elsewhere that banks are lending.

What is happening at your bank?

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.