As 2014 draws to a close, we look back and review the gains and the losses of another year filled with tough challenges for commercial lenders, community-based financial institutions, and their boards.
There were some successes, as most institutions continued to put credit problems and the related losses behind them, and institutions in many markets experienced solid portfolio growth. However, it was a tough year for loan pricing all around, as too much supply chased too little demand, and where simply maintaining prior balance levels at moderately lower rates was still a difficult task for many.
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