Journal of Commercial Lending

Articles from Vol. 75, No. 1, September

Analysis of Finance Company Ratios in 1991
We present The First National Bank of Chicago's annual report on finance companies. The authors review the major developments in the finance company industry during 1991 and provide tables of statistics from both consumer (direct cash lending) and diversified...
Bank Is Not a Four-Letter Word
In Ben Barnes' opinion, for any progressive reform to take place in banking, industry leaders, legislators, and regulators must understand that the current banking crisis was created by inflation, convoluted deregulation, and controlled interest rates--adversities...
Community Bank Focus.A CEO's View of Loan Management
Community bank CEOs fight the same battles as their counterparts in larger banks--setting effective loan policies, handling appraisals, making foreclosure decisions, and the like. But CEOs in community banks often fight these battles and face obstacles...
Decision Tree Analysis: Formalizing the Workout Decision
In the Land of Oz, an intersection in the Yellow Brick Road proved confusing for the bewildered Dorothy. The Scarecrow guarding a nearby cornfield wasn't much help, pointing out that no one way was better or worse than another. Lenders, too, can feel...
Using a Disclosure Checklist to Increase the Value of Interim Statements
Comparability and reliability are integral to financial statement quality. However, the limitations of interim financial statements make these two attributes difficult to ensure. Consistent with RMA's "Focusing on Fundamentals" theme, this article proposes...

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