As home equity lines and single-family residential lending declines, greater emphasis is being put on commercial and industrial lending, an article in Reuters explained. 

Commercial and industrial lending rose 12% in the first quarter of 2012, causing bankers and analysts to to say this big gain in lending looks more like a early asset bubble than an economic breakout, the article reported. 

"With so much liquidity, banks feel a lot of pressure to make loans," said Mariner Kemper, chairman of UMB Financial Corp, said.