BANK EARNINGS soared 17% in the third quarter to a record $13.8 billion, the Federal Deposit Insurance Corp. reported. Page 2

THE COMPTROLLER's Office has given bankers a look at how examiners will carry out the agency's new "supervision by risk" program. Page 3


KEYCORP, saying it wants to reward rather than punish ATM users, has introduced a checking account that pays customers when they make deposits electronically. Page 4

BARNETT HAS HIRED consumer finance veteran Jeffrey C. Larsen as president and chief operating officer of its Equicredit Corp. subsidiary. Page 4


THE BANK TELLER - that key customer interaction device that happens to be human - is being put on a pedestal at Foothill Independent Bank in Glendora, Calif. Page 13


WHILE MANY BANKS have rushed into managing their own mutual funds, California Federal Bank is resisting what it says is a siren song that leads to problems more often than to profits. Page 6


ART RINGWALD's efforts in building up Bank of America's mortgage business were rewarded when the division chief was made one of 24 group executive vice presidents. Page 14


PEOPLE'S BANK of Connecticut has thrived in the credit card game with a low-profile strategy and a plain-vanilla product - but it also has been innovative and aggressive in a number of ways. Page 15

LENDERS concerned about consumer credit quality may find some encouragement in the American Bankers Association's delinquency report for the third quarter. Page 16


INTUIT INC. is negotiating with a number of regional ATM networks to offer home banking services through its Quicken personal finance software. Page 17

DESPITE EFFORTS by banks to educate corporations about the dangers of derivatives trading, most multinational firms say they still do not fully understand the methodologies needed to calculate their potential for financial losses. Page 17


BARRY LEEDS & Associates has remained at the top in mystery shopping by offering new services and accommodating new trends and technologies. Although an ever-growing group of competitors is trying to close the gap, Mr. Leeds is confident of his firm's staying power: "We think compliance will always be there." Page 8

THE FEDERAL Reserve board says lenders don't need to record the race and sex of borrowers who prequalify for loans. Page 9


THE DEPARTURE of William Mumma may conclude Bankers Trust's shakeup of senior management, but observers say it also may spark a wave of middle- management defections. Back page

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