Two interesting things in this article to get the conversation going:

What we found was that the aggregate total of such lending for the 13 banks has actually declined by more than $2 billion over the last 12 months. For example, Wells Fargo reported that that its less-than-$1 million loans are down by more than $2.3 billion over the last 12 months. Bank of America’s total for such loans is down by more than $560 million.

and

Using this methodology has raised objections. In a recent blog post, the financial services roundtable cited its opposition to our banking grades by noting, among other things, that big companies sometimes have loan balances that fall below $1 million.

Everyone should check out banking grades: http://www.multifunding.com/bank-search/