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 IBAT's Bottom Line the IBAT weekly electronic newsletter  4/16/2007 
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IBAT.org

 
PAC Drive Results
Thanks to all of you who participated in this year’s March In-Bank PAC Drive.  Click HERE for a full list of banks held PAC Drives between April 21, 2006 and April 11, 2007.
     Congratulations to Mills County State Bank in Goldthwaite, the winner of the 2007 PAC Drive Drawing.
     Thanks to all of you who continue to support community banking through the IBAT PAC and IBAT FedPAC!
 

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Capitol Report
In case you missed it, check out last week's Capitol Report for an update on what's happening at the state capitol.
 

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Question:  How long must checks be retained by the bank in Texas?
     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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Finally... A credit card program that performs!
Why settle for an ordinary credit card when you can set your sights on the best card, offering your bank sensational value and expanding your banks bottom line? The IBAT Proprietary Credit Card Issuing Program was established for the sole purpose of providing superior bank card products and services to Texas community banks. Along with developing and supporting industry-leading products, this program will deliver broad-based knowledge and experience that can help your staff design and implement successful programs to drive credit card loan volume and build customer loyalty and friendly bill payment services.
     IBAT has arranged for a seminar on the web to present an in depth description of the program. Please join us on Thursday, April 26, at 1 p.m. to learn more about the hottest program for community banks. The web seminar is free of charge. Click HERE to register today!
 
IBAT.org  
Question:  Since we're celebrating Financial Literacy Month, do you know what percentage of their income Americans put into savings in 2004?
     Answer:  3%.
     To read more, visit the Education Foundation web site and click on "April is Financial Literacy Month."
 

IBAT.org

 
A reminder that IBAT publishes Consumer Tips February-November of each year.  The topics are timely and informative for your customers.  Click HERE to view and remember that IBAT member banks can use these columns in bank newsletters or other correspondence with your customers.
 

IBAT.org

 
IBAT is a member of the Governor’s Amber Alert Network.  Each time an Amber Alert is issued, IBAT will transmit via e-mail the details of the child’s abduction to all member banks asking them to post information on the missing children on their electronic message boards by the roadside.  Banks can also post the Amber Alert notices by the teller windows and at their drive-through locations.
     “Every minute counts when a child is missing,” said Chris Williston, IBAT President and CEO.  “We appreciate your efforts in helping to return that child to their loved ones.”
 

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In light of the Fed’s minutes from the March 21 FOMC meeting, concerns have been raised about increased inflationary pressures. Overall, these pressures continue to be a “predominant concern,” according to the minutes, and the “prevailing level of inflation remained uncomfortably high”...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. 
 

EDUCATION

 
A special thank you to Community National Bank, Hondo's Cindy Taylor for helping arrange the Hondo BSA Cluster Program on 4/12.  Four banks participated and trained 100 employees.
     Want more information about a cluster program?  Click HERE...
 

IBAT.org

 
What others have said...
“It's an awesome conference that allows networking and fun in a non-competitive atmosphere.  The people you meet here become your friends as well as your resources.  Plus, it's a great mid-year pick-me-up for anyone that attends.” 
 
COMING SOON

 
 
For a complete listing of upcoming events, click here. Meanwhile, please mark your calendar for some of our key events for 2007.
 
June 14-16, 2007 - Hyatt Lost Pines Resort
IBAT 33rd Annual Convention
September 30 - October 2, 2007 - Fort Worth
 
Bank Operations Institute
October 7-12 - Dallas
 
TechMecca 2007
November 28-29, 2007 - Las Vegas


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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