Banks, which are being driven toward capital markets to finance loans, are experiencing low deposit growth and an increase in bond market defaults, according to recent studies. These signs point to an impending liquidity crisis. Banks moving from their traditional funding sources have many observers concerned. David D. Gibbons, deputy comptroller for credit risk at the Office of the Comptroller of the Currency, believes community bankers are inexperienced in the capital markets they are increasingly using and should watch out for rapid liquidity shifts. However, ABN Amro/LaSalle Bank chief economist Carl L. Tannenbaum, believes dependence on the loan-to-deposit ratio is no longer useful since all loans are different and banks can hold highly liquid loans like mortgages and still be insulated from credit quality swings.