For area commercial lenders, 2008 was a mixed bag of good and bad - Wichita Business Journal:

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Most lenders saw their loan volumes increase from thepreviouas year, but many say demand for credit from Wichitaq businesses softened drastically late in the year as the economyt soured. “I would definitely say we experienced and saw a significan slowdown in the fourth saysKevin Klein, president of Junction City-basedx , which saw a 15 percent jump in its locall loan portfolio for the year. “Ig may have been more that we went into a period of dealing with all the announcements from the general There was probably a shoc kfactor there. They may have gone a little numb.” For Central National Bank, which has locations acrose eastern Kansas, Wichita represented a bright spot.
The $870 million bank’z loan portfolio dropped slightly from ayear ago, taking into account all its markets. For othee banks, the year provided a mixed bag. Twelver out of 20 top lenders saw increaseds in their commercialloan portfolios. , Wichita’s saw a modest softening in itsloan portfolio, down 3 percentr from the end of 2007. ’s loans dropped by 14 percent. But was up 17 percent. also poster a 17 percent gain. Most othere increases were more modest. Bankeres stressed credit remains available here as other banks acrosss the country suffer from lossesa in their portfolios tied to subprimdemortgage loans.
Still, lenders do say they’v tightened their underwriting standards. In some cases, borrowersw have to come up with more money for down And banks have been much more carefu in making loans for commercial real especially if aproject isn’tt owner-occupied. Some banks are trying to reducr their concentrations inthat sector. Lyndon executive vice presidentfor Intrust, called it a “general tightening.” “Loans that may have been made a year ago mighr get a little more scrutiny,” he says. Otherwise, lenderz have had to battle a lack of Business picked up in some say, but the market isn’tt robust.
“I would definitely say getting commerciapl activity out of existing customers is difficult,” says Clark Boyer, president of , which saw a 19 percent jump in its “I think everybody’s just trying to see wher e this all ends up.” Boyer says the bank added two new lenderx in Wichita last year, who brought new relationships to the bank and helped contribute to its 2008 loan But sometimes, other factors force down a bank’ss loan portfolio. saw the biggest drop in commerciakl loans last year at nearly 18 President Larry Carney says the bank saw an inordinatr numberof payoffs.
our customers did really well or came into some says Carney, whose bank makes commercial real estatde loans.