ATLANTA - Architectural and project management technology is changing the way new credit union facilities are being designed and built, and those changes could make significant contributions to the bottom line.

Examiners are expecting bankers to take new approaches to stress testing loans, especially commercial real estate ones, which could have a profound impact on loan-loss reserves.

If Guaranty Financial Group Inc. in Austin and Central Pacific Financial Corp. in Honolulu had made loans only in their home states, they might have reported solid profits for the second quarter.

As a start-up flush with capital, Allegiance Bank Texas in Houston has had little trouble attracting deposits of late.

Tennessee Commerce Bancorp Inc. in Franklin said Thursday that it has hired Frank Perez as its chief financial officer.

American Community Bancshares Inc. in Charlotte, N.C., has fired its chief credit officer.

With the mortgage and credit markets in shambles and banks reining in lending, any income is welcome income. So community bankers should take note that they’re trailing their bigger brethren when it comes to offering a product rich in fees that consumers increasingly desire in uncertain times: annuities.

Shares of BankAtlantic Bancorp Inc. fell sharply Wednesday after the Fort Lauderdale, Fla., company reported a larger-than-expected second-quarter loss and said it intends to raise $55 million in a rights offering.

Two former executives at Bank of Granite Corp. have agreed to pay $225,000 to settle claims that they made false statements to the Federal Deposit Insurance Corp. and false entries in the Granite Falls, N.C., company's books in relation to loans made as far back as 1999.

Online-only savings accounts can be effective deposit-gathering vehicles for banks, but executives at Frost National Bank in San Antonio say they do not exactly create customer loyalty.

With bad loans to real estate developers piling up, Security Bank Corp. of Macon, Ga., reported a wider-than-expected loss for the second quarter.

SOUTHEAST

DURAND, Mich. – SageLink CU yesterday broke ground on a new headquarters that will resemble a railroad depot, in recognition of the city’s background as a railroad center.

Corus Bankshares Inc. in Chicago reported its first-ever quarterly loss as credit quality continued to weaken during the second quarter in its condominium development-heavy loan portfolio.

With Robert M. Daugherty at the helm, AmericanWest Bancorp in Spokane had been in growth mode for the last four years, buying up banks, opening branches, and adding deposit and loan products.

Mounting defaults on loans to residential developers led to large second-quarter losses for PrivateBancorp Inc. and Taylor Capital Group Inc., but if there is a silver lining in the two Chicago-area companies' results, it is that both are making good on promises to beef up their commercial and industrial books.

Hanmi Financial Corp. in Los Angeles said late Tuesday that it lost $105.5 million, or $2.30 a share, in the second quarter as a result of a $107.4 million goodwill impairment charge as well as a sixfold increase in its loan-loss provision from a year earlier, to $19.2 million.

Sun Bancorp Inc. in Vineland, N.J., has signed an agreement to sell its six Delaware branches to Wilmington Savings Fund Society; it said it plans to focus more on its core markets in New Jersey.

LIBERTY, Ohio – DOY FCU yesterday broke ground on a new headquarters.

QCR Holdings Inc. in Moline, Ill., said Monday that an expanding margin helped its second-quarter net income climb 26% from a year earlier, to $1.8 million.