Can you give the link to the article; so we can better understand the exact wording of the write-up.
From the ones I have fish on the TN. River and Ohio River they are silt, shell and sand deposited usually on the bend in the river. They are also called shoals and developed by shale deposits and build up right next to the river channel. Some of these are man made from dredging. All of them are not related to points, as they stand alone and can very well be there one year and gone the next due to flooding. Bars are formed by the current on a river system as the water moves silt, shells and floating debris down the river. This material will begin to hang up on the lip of the channel and continue to build in height and width over time producing a high spot next to the channel. How fast these develop depends on the lay of the contour in that area and the bend in the river producing the power to pile these debris up in one spot.
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