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 IBAT's Bottom Line the IBAT weekly electronic newsletter  10/20/2006 
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Early Voting Starts Monday!
It's almost here...and almost over!  Your IBAT government relations staff has been busy distributing the very generous PAC contributions you have made over the past several years.  While the most important message here is to encourage you and those in your circle of influence to vote, we are frequently asked which candidates the IBAT PAC and the IBAT FedPAC have supported.  As mentioned in last week's "Bottom Line", we have prepared a listing of those candidates supported by the IBAT political action committees in this election cycle.  Additionally, don't forget the link to the judicial recommendations, of our friends at the Texas Civil Justice League.  Thank you all for your involvement in this critical process, and for your support of community banking.
 

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Question:  We report our SARs (if any) to the Board of Directors at the monthly meeting.  But we are worried about confidentiality.  Help!  What should be in our minutes?
     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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Have you heard about Diebold’s Webinar on Channel Integration?  Have your customers?  They're partnering with SourceMedia to present a free Webinar, “Achieving Revenue Growth Through Channel Integration” on October 25, 2006 at 11:30 am ET.  Featured groups include the TowerGroup and BAC Credomatic, one of Diebold’s own customers.  Diebold will also host a Q&A session at the end of the Webinar for interested parties who attend.  Click here to register today!

Date: Wednesday, October 25, 2006
Time:  11:30am ET / 8:30 am PT
Duration:  1 hour
 

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The 26% drop in crude oil since its record high on July 14, 2006 ($77.03/bbl) caused September's headline inflationary measures to drop more than economists were expecting...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. 
 
ON THE EDUCATION FRONT

IBAT Appraisals Summit
November 6, 2006 - Dallas
 
Topics covered:
IBAT.org Sound real estate lending policy
IBAT.org Compliance with applicable real estate regulations
IBAT.org Minimum requirements of an "evaluation" vs. an appraisal
IBAT.org The Appraisal Review process
     The program will also cover the July 1, 2006 revisions to USPAP and the regulatory expectations of the new changes.
 
COMING SOON

 
 
 
 
For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006.
 
  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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