Resource constraints – In addition to capital challenges, banks pointed to a number of other constraints on their lending resources, such as the following:   Asset management challenges – Banks reported that higher-than-average delinquency and loss rates have taxed their workout units, forcing them to shift seasoned staff, including loan officers, to assist with the increased number of problem loans.
Some banks, particularly smaller banks, described a temporary suspension of all lending activities while they assess portfolios, manage workouts and distressed loans, and reevaluate collateral.   Regulatory burden – Smaller banks pointed out the difficulties involved in staying abreast of new regulations and guidance, understanding them thoroughly, and determining how to best implement them.