The article looks at how bank profits, loan growth, and monetary policy are connected. They studied U.S. commercial banks from 1966 to 2013 and split them into two groups based on how profitable they were. Banks with higher profits had a stronger negative link between real estate loans and monetary policy. Banks with lower profits saw more impact on commercial loan growth from loan loss provisions than from monetary policy. The ratio of real estate to commercial loans in a bank's portfolio was negatively affected by monetary policy and positively affected by provisions. Some banks showed a strange result where commercial loan growth and monetary policy were linked in an unexpected way, possibly due to banks changing their loan portfolios.