ABA Banking Journal - February 2011 - (Page 30)
COVER STORY | COMMUNITY BANKING REPORT
A tough competitor,
Tennessee’s McCall Wilson believes
anyone who works hard
deserves a chance
By Steve Cocheo, executive editor
Wilson knows so many folks in his bank’s communities that he
can’t drive far without finger waving.
Wilson, chairman of the ABA America’s Community Bankers
Council for 2010-2011, is very up on what’s going on in Washington
and its politics, but that’s not where he lives or what he
does. He lives in Tennessee and does banking. Honest banking.
“Compliance comes from bad players, and regulations
are written by attorneys for attorneys. But if we were to take
advantage of our customers, we’ll never get those customers
back, because this is a small community,” he explains. “Our
ability to do good is impacted by regulations and politics. But
we will continue to serve our community, within the rules.”
Wilson’s ideal consumer disclosure for nearly any rule would
be a plainly written one-pager. And he not only understands the
need for small-dollar loans—a pillar of FDIC’s platform—but
especially seeks them in markets where they are needed. To him,
they are an essential, though not terribly profitable, public need.
He’s got an officer, Larry Bishop, in the bank’s Bolivar office, in
Hardeman County, who is the “king of small-dollar loans.”
“I think small-dollar lending is a great thing,” says Wilson.
“But if it takes 50 pages of regulations to do it, I think Washington
has missed the point.”
30 | ABA BANKING JOURNAL | FEBRUARY 2011
n rural Tennessee, the friendly “finger wave” can be such
a common means of communication, one wonders why
the locals don’t have over-developed finger muscles. A
finger wave is a slight lift or swish of the left pointing finger
at a friend or customer, given while driving. McCall
Bank of Fayette County CEO
McCall Wilson, next to a memorial
to the champion English Pointer
Dunn’s Fearless Bud donated to
the bank by world-famous field
trial expert Wilson Dunn.
If you would like to try to load the digital publication without using Flash Player detection, please click here.