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Did you know...
All words and phrases in blue in this newsletter are links to more information!
 On the HillThere is no Capitol Report this week. Here are the highlights for the week. Amended HB 3 (tax bill) was voted out of committee. Sales tax is increased to 7.25%; no new payroll tax. HB 2 (education bill) passed the House 77 - 70, and is headed to the Senate. Meanwhile, HB 1 (appropriations bill - which would fix school spending) is moving and will move regardless of the fate of school reform and taxation per chairman Jim Pitts! Both House and Senate will be back in town after the July 4th holiday. Please know that we continue to closely monitor the tax issue, and are committed to making sure that community banking is treated fairly...and the Delaware Holding Company structure remains intact. These are indeed interesting times in your Capitol! |
 Legal Ease Question of the WeekQuestion: Some of our debit card customers' information was compromised in the latest hacking incident. Do we need to notify them? To find out the answer, click on the flashing question mark. You can also check out our growing database of other Q&As!
 31st Annual Convention We're sending out our convention brochure today, so watch your mail. If you'd like a sneak peek, all the convention information is available on our Web site. Be sure to check out our sponsors and exhibitors as well...they help make ours one of the finest banking conventions in the country!
Best of Community Banking
Congratulations to all of our winners in the 2005 Best of Community Banking Awards. Awards will be presented during the IBAT Education Foundation Gala on Sunday, September 25 at the Gaylord Texan Resort in Grapevine. Here's a list of this year's winners.
 Here is this week's newsletter from The Baker Group. And here's the small print: 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.
 Consumer Tips - Talking to Your Children About Money SenseNo doubt your children know how to spend money, but do they know how to spend their money wisely and how to save part of that money. Check out this month's Consumer Tips column for more information. And, while you're at it, log on to www.ibat.org and click on the Education Foundation to discover a wealth of financial literacy for students of all ages including interactive games. Parents, teachers and bankers can also find useful information on financial literacy to help teach children about financial management. To access this month's Consumer Tips, click here. |
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Books to  Out
Are you looking for a self-paced educational program for your employees? Check out BanKnology - The Fundamentals of Lending, a self-paced, comprehensive training program that provides a thorough understanding of the fundamentals of training.
Solutions From Services
Are you familiar with IBAT's Job Bank? It's a simple classified ad system to post Positions Available (for employers) and Positions Wanted (for job seekers). Take a look.
We always appreciate your feedback, so don't be shy - let us know how this works for you. Please forward your comments to Jessica Molina via e-mail at jmolina@ibat.org or via phone at 800.749.4228.
On the Education Front
Mastering HMDA Seminar - A full-day seminar providing a comprehensive review of the requirements of the Home Mortgage Disclosure Act and the Federal Reserve Board’s Regulation C. Whether you are new to HMDA or have been reporting for years, you will benefit from this seminar’s practical, “real world” approach to HMDA compliance. For more information and/or registration form, click here.  Leadership Division Regional MeetingsWeatherford – On July 19, a golf tournament will be held at the Canyon West Golf Course in Weatherford. It’s a shotgun start at 2:00pm and the entry fee is $75 per player. Click here for more information or to register.
San Angelo - A sporting clays tournament is scheduled for August 12 at the San Angelo Claybirds Association Range. The price is $80 and shooters need to bring their own shotgun. Click here for more information or to register.
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Congratulations!
Congratulations to Kim King, the board of directors and employees of the Brady National Bank on the celebration of the bank's 100th Anniversary. Your contributions to Brady and McCulloch County characterize community banking at its best. On behalf of the IBAT board of directors, members and staff, we wish you another prosperous 100 years! |
| Various |
How to Ensure Compliance With Deposit Regulations |
| Various |
Anti-Money Laundering & Bank Secrecy Act Compliance |
| July 29 |
Bankruptcy Reform |
| August 7-12 |
Texas Tech Banking School | |
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