There are mixed indicators on lending trends at the Bank of Queensland.The bank's own quarterly "pillar 3" report, released yesterday, shows a fall in the level of loans measured on a gross exposure and risk-weighted basis.BOQ put the decline in gross loans over the three months to November 2012 at 1.1 per cent, to A$31.5 billion. On a risk-weighted basis, BOQ put the decline at 0.1 per cent, to $18.7 billion.Australian Prudential Regulation Authority data for the same period shows a rise in home loans for BOQ of 1.0 per cent, which was above the average for all banks.  BOQ, however, reported below-system growth of 0.3 per cent for the month of December.Business loans for BOQ were steady over the period, according to APRA data.BOQ said it changed the calculation of its off-balance sheet exposures, which it now reports in terms of credit equivalents rather than as notional exposures. The bank said this was in line with market practice.