IBAT's Bottom Line March 16, 2009

WWW.IBAT.org - The Dawn of a New Age

myIBATwww.ibat.org - The Dawn of a New Age

Join us for a Webinar on March 25

Space is limited.

Reserve your Webinar seat now at:


Join us for a 1 hour session highlighting the new features of the IBAT
website and learn how you can make www.ibat.org your go-to site for all
Texas banking information.  Learn about newsfeeds, email alerts,
relevant group discussions, and professional networking on the most
advanced banking association website in the country.

Title:   www.ibat.org - The Dawn of a New Age

Date:  Wednesday, March 25, 2009   

Time:  9:00 AM - 10:00 AM CST

Click here for the event page.

2009 Dream Vacation

Stop having nightmares over the economy…
Start making plans for your Dream Vacation!

The Dream Vacation tickets are in and you could be the lucky name drawn for the IBAT PAC Dream Vacation.  The winning name will be drawn during the IBAT Annual Convention in October at the Westin La Cantera Resort in San Antonio.

IBAT will contribute $5,000 toward your Dream Vacation or you can take the cold hard cash!

We’d like to thank our sponsors who make this event possible:
Bank of the West, Irving
First State Bank, Mesquite
TIB-The Independent BankersBank, Dallas
ValueBank Texas, Corpus Christi
Anonymous IBAT Friend

Dream Vacation tickets are $10 each and a great opportunity to involve all of your staff in contributing to the IBAT PAC.  And remember, this counts toward your Employee PAC Drive!  Click here for more information.

IBAT's 35th Anniversary

35th Anniversary1974 Sports Trivia

Many things have changed in the financial world since IBAT became the voice of Texas community banking in 1974.  But the more things change, the more they remain the same…

“…In operating a small business, there is one factor that is of primary significance—the availability and cost of financing.  Working capital and long-term financing needs are different for each type of small business.  No type of institution is better suited to provide this form of capital at the lowest cost, to measure the associated risk and advise the entrepreneur than is the local community bank.”

“…Over the past few years, I have heard from many of you who have expressed anxiety over the future of independent banking and the accompanying impact on the service to your communities.  You have feared, and observed, a draining off of your local deposits, the rapid expansion of multi-bank holding companies, foreign bank intervention and the new non-bank entrants into the financial services field.”

“   Community bankers will continue to ply their trade in the personal and efficient manner demanded by customers throughout their market area.”

Senator John Tower
(Excerpts from column in IBAT newsletter, January 1983)

Now, test your knowledge of 1974 sporting events.

1. What team won the1974 Super Bowl?
A.    Dallas Cowboys
B.    Miami Dolphins
C.    Minnesota Vikings

2. This team beat the Los Angeles Dodgers to win the 1974 Word Series.
A.    New York Yankees
B.    Oakland Athletics
C.    Chicago White Sox

3. The Milwaukee Bucks were beaten by this team to win the NBA Championship in 1974.
A.    Miami Heat
B.    Dallas Mavericks
C.    Boston Celtics

4. This current Big 12 football team won the 1974 Southwest Conference Championship.
A  University of Texas Longhorns
B.  Baylor Bears
C. Texas Tech Red Raiders

5. Currently married to a golf legend, she won Women’s Singles at 1974 Wimbledon. 
Who is she?

Answers:  1-B; 2-B; 3-C; 4-B; 5-Chris Evert

Legal Ease Question of the Week

Legal Ease QuestionQuestion: I know that our bank can’t have the box numbers on safe deposit box keys, but I know that we need to stamp our routing number on the keys.  However, I can't find any law that says we must do this.  Can you point out the law that requires our routing number on the side of our safe deposit box keys?

To find out the answer, click here.

Solutions from Services



Advantage Health Plans Trust 

What will I learn?

  • How you can take control of your healthcare spending
  • What the benefits are of being an owner as well as a participant
  • What makes Advantage Health Plans Trust the best program for community bankers
  • How you can get all your employee benefits from ONE place on ONE bill
  • Why Advantage Health Plans Trust is MORE than just a Health Plan

Date: April 7  @ 10 am
        April 9 @ 2 pm 
Place: Hosted Via Web Conferencing
Click here for more information.


On the Education Front

LD The 2009 Leadership Conference

Tune In, Turn It Up
June 18-20, 2009
Hyatt Regency Hill Country Resort
San Antonio, TX

More Information . . .

The 2009 Leadership Conference is now open for registration!


IBAT Twitter Updates

TwitterGet IBAT Updates Through Twitter

You can now follow IBAT on Twitter to get immediate updates on the latest happenings at IBAT.  The best part is that it's free.

What is Twitter?  Twitter is a service for business associates, co-workers, friends and family to communicate and stay connected through the exchange of quick and simple text messages that answer one simple question:  What are your doing?

It is as easy as going to www.twitter.com/myibat and select the "follow" button.  You can receive Twitter updates either online or directly to your cell phone via short text messages.

Sign up today and receive the latest news from IBAT as it happens.

IBAT Foundation

FoundationIBAT Foundation Participates in Economic Summit

Community bankers who have business customers in the Central Texas area may be interested in inviting them to a special program on April 16 on the UT Campus in Austin.  The 2009 Business In Action & Economic Summit will feature Blake Hastings, Federal Reserve Bank of Dallas, San Antonio Branch; our own, Robert Hulsey, American National Bank of Texas, Terrell and Foundation chairman; and Jason Rhode, Cirrus Logic, President and CEO. The program will provide a discussion on the economy from a global, state, and local perspective impacting business and banking. Click here for a flyer about the event.

The program is the official launch to Financial Fitness Greater Austin, one of many events across the state that focuses on April as Financial Literacy Month. Consider setting up a table with your own invited business guests, or join IBAT Foundation at its table. For information click here or send a note to mlange@ibat.org.


FLagYou should have received a letter from IBAT this past week about the annual PAC Drive.  Please help our community banking industry by conducting a PAC Drive with not only your board of directors, but your employees.  To be entered in the drawing, we need:
1.    Your board members to contribute a minimum of $100 to either the IBAT PAC or the IBAT FedPAC
2.    Ask your employees to contribute to one of the two PACs.  And remember, the sale of Dream Vacation tickets counts as a PAC Drive.  Not only do your employees have an opportunity to contribute to the industry that provides their livelihood, they might also be in the Dream Vacation drawing during the IBAT Convention.

For more information, click here.
PAC Contribution Form
PAC Drive Drawing Information

IBAT 17th Annual Congressional Visit

DC TripThe Time to Act is Now

Now is the time for community bankers to stand up and be counted in Washington!  Amid the turmoil of the failure of many of the mega banks, we can draw a clear distinction for our congressmen between Wall Street and Main Street.  But we can only convey this message by being united as we travel to Washington on May 12 to tell “our story.”  We had a record-breaking attendance in 2008.  Let’s break another record in 2009.  There is no fee to attend.  You just need to pay for your travel and hotel.  Make sure your franchise is protected on Capitol Hill!  Click HERE for more information.  Sponsorship opportunities are also available!

Subchapter S Bank Association

Sub S

The Subchapter S Bank Association is hosting a conference June 8 in Dallas to present the latest information relating to managing a Sub S financial institution.  More information will be available in the near future, but you can guarantee your space by pre-registering now.

Each program will begin at 8:30am and conclude at 3:30pm.  Registration fees include conference materals, continental breakfast, and lunch.

Want to Register?  Click Here
Interested in Sponsoring?  Click Here

Click here to view the Sub S Webinar, 21st Century Compensation Strategies for a TARPed Economy on March 25.  Click here for more information on upcoming Subchapter S Bank Association events, including the Regional Conferences.

Community Banking Month

Community BankingCommunity Banking Month is just around the corner.  During the month of April, IBAT members will join our counterparts from across the nation to celebrate the real economic backbone of the United States—the community bank.  With all of the talk centered around the recession, bailouts, and Wall Street failures, the one thing that has not changed is you—the Main Street community banker.  You’re still strong and well-capitalized.  You still have money to lend—and continue to make good loans—thanks to your practical, sound and responsible fiscal management.  Let Wall Street handle the gloom and doom.  Let community banks step up to let customers know that your doors are open and you’re ready to lend to your neighbors and local businesses—just like always!

IBAT has requested a proclamation from Governor Rick Perry designating April as Community Banking Month in Texas.  Our national affiliate, ICBA, has easy turnkey press materials and marketing ideas posted on their website (www.icba.org) to help you celebrate Community Banking Month!

Texas Community Banks—Main Street Proud

Texas Governor's Mansion Restoration

Mansion RestorationWe Need Your Help

Thanks to all of the banks who have volunteered to collect donations for the Governor’s Mansion restoration project.  IBAT members already helping in this effort include:
Amarillo National Bank
American Bank of Texas, Marble Falls
American National Bank, Gonzales
Citizens Bank, Claude
Citizens National Bank, Henderson
D'Hanis State Bank
First-Lockhart National Bank
First National Bank of Bastrop
First National Bank of Hico
First National Bank, Jasper
First National Bank, Quanah
First National Bank, Wichita Falls
First State Bank, Clute
First State Bank, Louise
First State Bank of Uvalde
Lakeside National Bank, Rockwall
Liberty National Bank, Paris
Menard National Bank
Mills County State Bank, Goldthwaite
Pioneer Bank, SSB, Dripping Springs
Preferred Bank, Houston
Round Top State Bank
Star Bank, Fort Worth
Texas Leadership Bank, Royse City

Statement Stuffers are also available.  To view, click here: Governor's Mansion Statement Stuffers

For a complete Order Form with pricing, click here: Governor's Mansion Order Form

Read the: Governor's Mansion Press Release and the Governor's Mansion Fact Sheet.

The restoration drive runs through April 30.  For additional information, call Mae Beth at 800.749.4228.

Baker Market Update

Baker GroupOn Wednesday, the Fed convenes their second FOMC meeting this year, where economists expect that they will maintain their zero- to 25bps range for Fed Funds. Analysts are eager to see if the Fed’s accompanying statement will indicate further quantitative easing initiatives, as well as insight as to the effectiveness of the government’s current policy stance. Read More in the Baker Market Update.

Although this information has been obtained from sources, which we believe to be reliable, we do not guarantee its accuracy. This is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security.

Coming Soon

For a complete listing of upcoming events, CLICK HERE.  Meanwhile, please mark your calendar for some of our key upcoming events.

How to Create & Maintain a Sales Culture in a Community Bank Summit
March 18-19 - San Antonio

Operations Compilance Summit
April 7 - San Antonio

FDIC Banker Outreach
April 14 - Austin

FDIC Banker Outreach
April 16 - Richardson

IBAT Nuts and Bolts of Banking
April 28-29 - Austin

Congressional Visit
May 12-14 - Washington, D.C.

IBAT/SWACHA Bank on Boot Camp
June 2-3 - Austin

Bank on Boot Camp
June 3-4 - Austin

IBAT Leadership Conference
June 18-20 - San Antonio

IBAT 35th Annual Convention
October 10-13 - Westin La Cantera Resort, San Antonio