Independent Banker - January 2022 - 28

PORTFOLIO
◎FOCUS LENDING
Mixed fortunes for lending this year
Despite possible headwinds, community bank lenders remain optimistic about lending activity in the coming
year. We asked them about their experiences with CRE, C&I and mortgage lending in the current environment.
By Beth Mattson-Teig
John C. Dill (right) of
Marquette Savings
Bank meets with loan
customer Harvey
Downey of NaviTek
Machining Corp.
enders looking for clues on how
busy they are likely to be in 2022
are seeing some hopeful signs in
the economy.
Despite the lingering effects of
the COVID-19 pandemic, growing
confidence in the recovery is expected
to unleash some pent-up demand
for loans from both consumers and
business customers.
" Obviously, there were a lot of
capital needs that weren't made
over the past two years, " says Ron
Haynie, ICBA senior vice president
of mortgage finance policy. " So,
there will be that need to replace
equipment, expand or maybe open a
L
new location, and community bankers
are ready for that. "
The economy saw a strong rebound
in 2021, with GDP growth jumping to
5.7%, and economists are predicting
GDP growth will remain strong at
around 4% in 2022. Commercial
real estate (CRE) construction and
investment sales activity are also
rebounding. CRE transaction volume
is expected to climb to $600 billion
in 2022, just shy of the 2019 figure of
$617 billion, according to the Urban
Land Institute.
In addition, the boom in Paycheck
Protection Program (PPP) loans and
residential mortgages has helped
to bolster lending activity for many
community banks since 2020.
Community bankers are cautiously
optimistic about lending activity in
the coming year due to the strong
economy and rising vaccination
levels, which have helped bring back
some normalcy. Bankers have worked
through forbearance and deferment
requests and have the capacity to lend.
Differing lending outlooks
That said, community banks have had
different experiences and hold varied
outlooks on the year ahead depending
on their geographic footprint and
lending focus.
28 Q ICBA Independent Banker Q January 2022
Photo: Ferralli Studios

Independent Banker - January 2022

Table of Contents for the Digital Edition of Independent Banker - January 2022

Table of Contents
Independent Banker - January 2022 - Cover1
Independent Banker - January 2022 - Cover2
Independent Banker - January 2022 - Table of Contents
Independent Banker - January 2022 - 2
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