David Trone, bank analyst at JMP Securities, says traditional banking like making loans to consumers and businesses should be relatively flat as loan growth remains muted and the impact of releasing loan loss reserves continues to peter out.

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The loan market was relatively flat in November as a result of rising loan supply as well as concerns surrounding the fiscal cliff.

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Loan demand was flat or "up slightly" in most places, the Fed said.

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The loan will finance the Caithness Shepherds Flat project, an 845-megawatt wind generation facility located in eastern Oregon.

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Savings and loan institutions, recent victims of the flat yield curve with huge redemptions in outstanding fixed-mortgage paper, will be able to operate at wider spreads.

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Net interest income is expected to remain flat this year, Chief Financial Officer Marianne Lake said, adding that she expects strong loan demand from businesses and modest demand from consumers this year.

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