They also expressed reluctance to do loan workouts because of concerns that examiners will still regard the loan as being impaired. 6  –  In New York, Atlanta, and Miami, small businesses and other participants expressed the view that banks are citing increased examiner scrutiny when refusing to lend to certain industries, such as construction, real estate, and retail services.
–  Bank regulators stated that banks in South Florida have significant challenges in maintaining adequate capital levels because of the higher loan-loss reserves related to declining asset values. Conflicting messages – Some bank participants expressed frustration about their perception of conflicting messages from different government stakeholders.