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I'll call back later http://bh-studios.com/about-bh-studios cipralex memory problems Good article. But there are many smaller banks in America that did not participate in the free-for-all that eventually and predictably led to the mess were in. I’m a small business owner and I refinanced my commercial mortgage in Nov. 2010, I received favorable terms and a low interest rate. I had to switch small banks because my old bank over-levered themselves with questionable loans and had to ask for bailout funds, which meant they had to de-lever, meaning, no refi’s – even for solid business with good models. So I shopped around and found an ‘A’ rated bank locally, this new bank, around since 1909, was looking to originate new commercial loans! The reason my new bank was lending when almost all other banks were de-levering, is because they didn’t originate any ‘Liar loans, or undocumented loans, like many others were doing. My new bank has always only lent their own money, which meant they were more selective and diligent in loaning money. They didn’t owe the fed any money when the ‘greed caused crisis’ hit, and they didn’t have to go to the window when things tanked, soooo, they didn’t have to abide by the fed and didn’t need to de-lever their loan portfolio. They gained lots of new business because of their diligence and others failings. Not all banks are created equal. Shop around. Be diligent.
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