Focus: Banking & Finance piece on the subprime lending crisis, noting that mos

Focus: Banking & Finance piece on the subprime lending crisis, noting that most Maine banks recognized all along that too much credit was being extended to too many borrowers with insufficient ability to repay. The proliferation of mortgage companies put a crimp in banks\u27 residential property lending. But now banks are anxious to remind the public that they remain solid, thanks in part to regulations that require them to offer more traditional home loans. At Camden National Bank, president Greg Dufour and others said the decision not to issue subprime loans ultimately helped protect the bank during the recent downturn. With comments by Chris Pinkham, president of the Maine Association of Community Banks; Andrew Silsby, senior vice president at Kennebec Savings Bank; and Tim Nightingale, senior loan officer at Camden National