NEW YORK (TheStreet) -- Broadly speaking, banks aren't lending, and consumers don't want any more debt. But, by combing through regulatory filings, we were able to find a number of U.S. banks that grew their loan portfolios organically in the third quarter, and have highlighted 10 of them for this article.
In general, banks have been cutting credit lines, denying new loan applications and writing off bad debt as a growing number of consumers and businesses have been unable to pay their bills. Many of those keeping up with their debt have retrenched into a mode of paying down existing loans and saving extra funds, afraid to take on more debt in an unstable economy. Overall, loans and leases have been cut by more than 8% during the past year -- especially commercial loans -- while consumers have curtailed use of credit cards and other revolving debt by more than 13% and reduced more stable, non-revolving debt by 3.7%. But there are still small pockets of growth in the loan business for banks that don't feel the need to store all their excess capital at the Federal Reserve. Some consumers are still looking for money to buy homes, cars, education and merchandise, and some businesses are still expanding. That's especially true in areas of the country that weren't hit hard by the boom-and-bust real estate cycle, or energy-producing regions that are still expanding rather rapidly. It's difficult to tell what banks are posting "organic" loan growth - meaning they are extending fresh credit - because of the dozens of acquisitions that have taken place during the crisis. A wave of government-incentivized mortgage refinancing has also arguably skewed results. Loading Comments... < Previous 1 2 Next >SHARE:
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Your Money: Foreclosures Can Offer Deals, but Buyer Beware
Ecuador Seeks To Block Chevron
Taking his jobs message on the road
The Horrendous Truth About Health Care Reform
BHP and Rio on target to realise $100bn iron ore mining venture$
London Frets France's New Financial Clout
Airport kiosks do nearly everything but check luggage
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