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 IBAT's Bottom Line the IBAT weekly electronic newsletter  9/15/2006 
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Flags at Half-Staff
You may have received an e-mail from IBAT in regard to flying flags at half-staff in memory of former Governor Ann Richards.  IBAT will begin e-mailing our members such directives when issued by the President or the Governor.  These directives apply to federal and state agencies.  Private businesses may use their own discretion.
 

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Question:  Some properties that were not in flood zones when we made loans secured by them are now in the revised flood maps.  What must we do?
     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.
 

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IBAT.org Powell Goldstein LLP, Atlanta, GA
 

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  If you’ve already bought your Dream Vacation ticket worth $5,000 CASH, be sure to turn it in to IBAT so your name will be in the drawing held at the end of the Live Auction on Monday, October 2.  You don’t need to be present to win!
 

IBAT.org

 
We’ve extended the deadline for you to place your bid in the Online PAC Auction until Wednesday, September 20 at 5:00 PMClick here to check out the items.
     And to preview all of the IBAT PAC Auction items, click here.
     If there’s an item you want to bid on and you can’t make it to Convention, ask one of your colleagues to place a bid for you.  And remember, your dollars help the IBAT PAC help you!
 

IBAT.org

  Last year during the IBAT Convention, Ray David of Point Bank walked away with a 1-carat diamond after his ticket was drawn in the Diamonds Rock event.  You could be this year’s winner!  Look for the IBAT PAC Booth at the Convention.  The winning ticket will be drawn immediately following the Live Auction on Monday evening, October 2.  Be a hero with your special someone and be a hero for the IBAT PAC!
 

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Are you concerned with strategies needed to develop the right kind of programs your bank needs to achieve its goals?  If so, then be sure to attend the convention session Executive Compensation 101- Building an Effective Retention and Reward Program For Your Key Executives.  IBAT's general counsel, Karen Neeley, will be the moderator for this great program accompanied by Coy Lewis with Coy Lewis Company and Tom Jordan with M Benefit Solutions, both IBAT Endorsed Service Providers.
     Click here to hear what this distinguished panel has to say about their presentation.
     Remember to set aside Monday, October 2 at 7:30 a.m. to attend this program.
 

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Calling All Golfers!
If you have not done so already, be sure to register for the 19th Annual Leadership Golf Tournament. Deadline has been extended to 9/21 to register!  More Information...
Don't Forget to Bring Your Running Shoes!
If you are interested in participating in the 4th Annual Fun Run/Walk on Tuesday 10/3, please fax your form to 512.322.9004.  More Information...
    
Download Convention Brochure
 
IBAT.org  
If you plan to attend the ICBA Convention in Honolulu next spring, you won't want to miss our post-convention program in Maui.  Mike Woody will present a special workshop entitled "Maximization of Your Investment."  The program is scheduled March 8-11 at the luxurious Fairmont Kea Lani.  Registration is limited to the first 25 couples, so sign up now!
 

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The biggest issue this week for the market has been the steady decline in energy prices. Crude oil fell 6%, from $66.28/bbl last Friday to today's
price, around $62.30/bbl.Read more in this week's Baker Weekly.

     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. 
 
IBAT.org  
Question:  Where can teachers find a web site that provides "unbiased information on saving and investing" for their students?
     Answer:  www.SaveAndInvest.org - Go to the Foundation web site - Who You Are - Teachers - Resources.
 
ON THE EDUCATION FRONT

Hotel cutoffs for room reservations are fast approaching for How to Create a Sales Culture in a Community Bank and the Third Annual Lending Compliance Summit! Don't Miss these great opportunities to train your staff!
 
COMING SOON

 
 
 
 
 
 
 
 
 
 
 
 
For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.
 
 
October 1-3, 2006 - San Antonio
 
October 8-13, 2006 - Dallas
  How to Create and Maintain a Sales Culture in a Community Bank
October 18-19 - Arlington
  IBAT Third Annual Lending Compliance Summit
October 26-27 - San Antonio
  2006 Bank Outreach Programs - FDIC
November 2-3 - San Antonio
  IBAT Appraisals Summit
November 6 - Dallas
  2006 Bank Outreach Programs - FDIC
November 8-9 - Dallas (Richardson)
 
IBAT Winter Summit VII
January 28-30, 2007 - South Lake Tahoe, NV
 
March 8-11, 2007 - Maui, HI


Contact IBAT or if you have comments or questions about this newsletter, email or call Bonnie Kankel at (800) 749-4228.
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