According to my discussions with bankers, the current lending environment is allowing for some growth. However, maintaining a healthy portfolio is the primary focus—and lending portfolios are getting healthier. The issue some banks face regarding loan growth is that they’re still reeling from such compliance-related rules and regulations as the Dodd-Frank Act. Another hurdle is the Ability-to-Repay/Qualified Mortgage rule that went into effect on Jan. 10, as the reporting necessary to satisfy regulatory scrutiny is not completely known. Still, it’s safe to say that mortgage and consumer lending likely will be steady in 2014 as the economy slowly improves. The same can be said for the commercial portfolio, barring any major changes in the rate environment.