LEGAL EASE QUESTION OF THE WEEK
		Our checklist indicates that we should request an assumed name certificate for commercial accounts.  Our new customer says he doesn't have one because he doesn't have an assumed name.  How do we know!   To find out the answer, click on the flashing question mark.  And you can also check out our searchable database of other frequently asked questions.
BAKER WEEKLY
		Personal income and personal spending are up; home sales are down.  Read more in 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.
ON THE EDUCATION FRONT
		The Bank Marketing Institute (BMI) is scheduled for April 30-May 2 at Southern Methodist University in Dallas.  This program is designed for community bankers who wish to connect the dots between the business objectives of the bank, the creative process, and the bottom line impact of marketing decisions.  BMI takes students through the rudiments of the Uniform Bank Performance Report, the balance sheet, and the income statement to reach a whole new level of strategic thinking. Using these financial snapshots, the marketing officer will discover how new product launches, deposit gathering techniques, loan solicitations, and fee-based services materialize in the financial reporting of bank activities. The comprehensive presentations are dynamic and informative — and delivered in layman’s terms.   Did you know that the IBAT Education Foundation offers a wide array of telephone seminars, an economical and convenient approach to training.  Check out our training calendar.
COMING SOON
		For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.   Hispanic Banking - Community Banking's Future Presented by The Strategic Alliance Group, L.L.C. March 24, 2006 - Austin 32nd Annual Legal Conference March 30-31, 2006 - Horseshoe Bay Banking on the Border:  Fraud & Money Laundering - Problems & Solutions Presented by the FDIC April 6-7, 2006, Phoenix, AZ   The Exceptional Assistant April 27-28, 2006 - San Antonio   Bank Marketing Institute April 30-May 2, 2006 - Dallas   Leadership Conference June 15-17, 2006 - Galveston   IBAT 32nd Annual Convention October 1-4, 2006 - San Antonio   Bank Operations Institute October 8-13, 2006 - Dallas