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All words and phrases in blue in this newsletter are links to more information!
| LEGAL EASE QUESTION OF THE WEEK |
'Tis the season to set our dividend for the year. Any limitations? To find out the answer, click on the flashing question mark. You can also check out our growing database of other Q&As!
 IBAT is pleased to welcome the following de novo banks to the association:
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Green Bank, ssb (IO), Houston
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Texas Leadership Bank (IO), Royse City
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Azteca Community Bank (IO), Austin
 TechMecca 2006 - Feb 13-14 - The FDIC Layered Security Requirements - Have you had a recent IT exam? One question asks for your plan to find your employees in the event of a catastrophic event. To meet the growing concerns on disaster recovery, the FDIC has designed a special session within TechMecca for community bankers that focuses on information security programs. It is part of the FDIC national focus group discussions that address a layered security approach, lessons learned from the 2005 Gulf Coast Hurricane Season, internet authentication risks and mitigating controls, and effective incident response planning. This two hour workshop alone is worth the price of admission. Sign up your IT, Compliance, Operations Officers. By popular demand, see the discounts for multiple registrations from your bank. Go to www.techmecca.net for online information and registration.
Here is this week's newsletter from The Baker Group. 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.
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BOOKS TO  OUT |
The Account Documentation Manual has gone online. It's an essential reference resource to answer questions when opening and administering deposit accounts.
Planning and executing strategies in the coming weeks for 2006 is crucial for community banking. Join IBAT's endorsed service provider, The Baker Group, as they host the 2005 Year-End Market Update and "Strategies For 2006 And Beyond." Learn about relative value analysis and strategies your financial institution should consider.
Conference Call Information:
When: Tuesday, December 20th
Time: 10:00am - 11:00am cst.
Call your Baker representative or e-mail Chris Wilson for conference call instructions at 1-800-937-2257 or cwilson@gobaker.com
 The sixth annual IBAT Winter Summit is set for January 29-31 in South Lake Tahoe. This summit is a tremendous opportunity to get to know your regulators in an informal and relaxed setting. We will be joined by the top regulators in the state, including Stan Ivie (FDIC), Randy Fenimore (OCC), Bob Hankins (Federal Reserve Bank) and Randall James (Texas Department of Banking). Additionally, we have "dialogue with the banking lawyers", Chet Fenimore (Jenkens & Gilchrist) and Sandy Brown (Bracewell & Giuliani), to discuss current issues including mergers and acquisitions, emerging legislative issues, taxes and other "hot issues." Please note: our hotel room cutoff is December 23.
 For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.
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February 13-14, 2006 - The Woodlands |
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Women In Banking Conference
April 27-28, 2006 - San Antonio |
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Bank Marketing Institute
April 30-May 2, 2006 - Dallas |
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Leadership Conference
June 15-17, 2006 - Galveston |
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IBAT 32nd Annual Convention
October 1-4, 2006 - San Antonio |
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Bank Operations Institute
October 8-13, 2006 - Dallas |
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