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twenty banks was essentially flat. The median percent change in total 
residential mortgage balances was a decrease of 1 percent.
For the same period, corporate loan balances decreased slightly. The median 
percent change in total loan balances across banks was a decrease of 1 
percent. Ten banks experienced increases in total loan balances. The driver 
of the decrease was softening loan demand, particularly by smaller 
businesses, as noted by several banks.

Credit card borrowing increased, while available credit decreased. The 
median percent change in average total loan balance for U.S. credit cards 
was an increase of 2 percent. The median percent change in total used and 
unused commitments for U.S. credit cards was essentially flat. For banks 
with the largest credit card loan balances, the decrease was more marked.

In commercial real estate, renewals of existing accounts increased 
significantly, while new commitments decreased significantly. The median 
percent change in renewals of existing accounts was an increase of 55 
percent. The median percent change in new commitments was a decrease of 19 
percent. Many banks noted challenges in this space, including "negligible" 
residential home builder loan demand and weaker construction and development 
activity, softening with regards to retailers, an uncertain outlook with 
regards to office space, and the continued dislocation of the commercial 
mortgage backed securities (CMBS)



full at:  http://www.treas.gov/press/releases/reports/tg30-2-122008.pdf