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 IBAT's Bottom Line the IBAT weekly electronic newsletter  11/20/2006 
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Here is a link to a final report of the Texas elections. Your IBAT staff would like to say a big THANK YOU to all community bankers who provided us the means to be successful on your behalf, especially those who continue to help by conducting political action committee drives in their bank, and support the IBAT PACs in so many other meaningful ways.
     Your IBAT PAC invested in a record number of US Senate, Congressional, Supreme Court and Texas statewide and legislative races...186.  We lost in only 8 races...four open seats and three incumbent races (all in the Texas House), and one open seat on the very important Third Court of Appeals.  We batted 100% in the statewide Texas leadership races.
     This sets us up in stellar shape as we prepare for a very busy 80th Texas legislature. A special thanks to all of you who delivered checks to the candidates on our behalf, and a special thanks to Steve Scurlock who tirelessly attended many local evening fundraisers.
     IBAT continues to be a major player in the Texas political system!
 

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Question:  One of our elderly mortgage customers got behind on property taxes.  He has obtained a tax deferral.  What does this mean?
     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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The 2006 IBAT Salary & Compensation Survey is now available.  Recent enhancements include 17, that’s 17, new job titles typical of today’s ever changing staff of Texas community banks (including Chief Financial Officer and Sr. Real Estate Lending Officer)!  Plus updated job descriptions for many of our 80+ job titles and descriptions from past surveys!
     Peer group profile information including bank asset size, region, market environment, and earnings for ease in comparing your bank to your peers.
     Call Jessica Molina at the IBAT office at 800-749-4228 or e-mail at jmolina@ibat.org for more information and order yours today!
 

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Wholesale and retail prices in October fell more than economists were anticipating as inflation pressures faded with the slowing of the economy,
especially in the housing sector...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

TechMecca 2007
Save the Date!  And get ready to visit Las Vegas for TechMecca 2007.  November 28-29, 2007.  TechMecca will be at the brand new Red Rock Resort and Casino.
 
Education
Don't miss these upcoming programs co-sponsored by IBAT and PBS:
IBAT.org RESPA/Reg Z - Lubbock, Grapevine, Waco, San Antonio
IBAT.org Advertising Compliance - San Antonio, Grapevine, Houston
 
COMING SOON

 
 
 
 
 
 
For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2006 and 2007.
 
 
December 5-6, 2006 - Houston

 

January 28-30, 2007 - South Lake Tahoe, NV

 

IBAT Legislative Luncheon
February 14, 2007 - Austin

 

March 8-11, 2007 - Maui, HI
IBAT Leadership Conference
June 14-16, 2007 - Hyatt Lost Pines Resort
IBAT 33rd Annual Convention
September 30 - October 2, 2007 - Fort Worth


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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