And Bank Leading is DOWN ... but interest rates are UP.

from The Wall Street Journal

Lending at the nation's biggest banks has fallen more sharply than previously realized, despite government efforts to pump billions of dollars into the financial sector.

According to a Wall Street Journal analysis of Treasury Department data, the biggest recipients of taxpayer aid made or refinanced 23% less in new loans in February, the latest available data, than in October, the month the Treasury kicked off the Troubled Asset Relief Program.
http://online.wsj.com/article/SB124019360346233883.html#mod=djemalertNEWS