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| FRIENDLY REMINDERS... |
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Calling for Banker Volunteers to Teach
Would you like to volunteer OR nominate one or more persons from your bank to be part of our Fall Junior Achievement pilot teaching program? If so, please fill out/or forward the online application by clicking HERE.
Proxy Statement
Last month we sent each of our member banks a proxy statement related to our upcoming annual meeting. If you haven't already done so, please complete and return your proxy to us by the end of this week. You may mail it in the prepaid envelope we sent you, or fax it to us at 512.322.9004.
Legislative White Paper
Our White Paper has been revised to respond to questions from our members. Please make sure you've downloaded the latest version [updated 9/22]. The White Paper should be reviewed in combination with the special compliance bulletin [updated 9/10]. Specifically, we've added information relating to HB 716 and HB 1038. Also, see our Legal Ease Question of the Week below.
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| LEGAL EASE QUESTION OF THE WEEK |
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Question: When we called the TRCC, we were told that the new notice required by HB 1038 (regarding builders and registration, etc.) did not affect lien validity. Your special compliance bulletin says that it does. So, are we okay if we don't give the notice?
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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| SOLUTIONS FROM SERVICES |
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Deluxe Helps You Minimize Fraud Risk
Given the ever-increasing threat of fraud and identity theft, you need reliable information to help you determine the risk associated with new applicants. To help you minimize your risk and open more profitable accounts, we would like to introduce you to Deluxe DetectSM, a service for screening new account applicants.
In order to learn more about how Deluxe Detect can help your financial institution, I would like to invite you to one of three upcoming Webinars. Please join one of Deluxe’s Webinars via tele-conference on one of the following dates:
 September 27th from 1:00-2:30 PM Central
 October 18th from 1:00-2:30 PM Central
CLICK HERE for more information and sign up today!
AHPT Helps You Navigate the Health Insurance Maze
Health care coverage is one of those necessities that remain a mystery to most of us. Most of us consider coverage, rates and their increases confusing, at best. It can be difficult to decipher the different health care plans and programs offered by insurance carriers and individual brokers. IBAT’s Endorsed Service Provider, Advantage Health Plans Trust* makes it simple.
IBAT invites you to join an informative webinar and let us show you why bankers across Texas are choosing Advantage Health Plans Trust.
Date: October 16, 2007
Time: 8:30 a.m. cdt
Contact Jessica Molina at IBAT Services if you have any questions at jmolina@ibat.org.
* Paid Endorsement |
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| BAKER WEEKLY |
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As expected, the Federal Reserve cut its target rate, but surprised the market when they cut it more than anticipated, by 50bps, to ease the mounting woes in the housing and credit crisis. Shortly following the cut on Tuesday, the 2Yr T-Note fell below 4.0%, but has since climbed back up to 4.05% as the weakened dollar sparked a sell-off. ... The weakening of the dollar caused crude oil to surge to a record close of $83.32 on Thursday, followed by gold hitting a 28-year high of $739.90/troy ounce on the same day. 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. |
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| IBAT 33RD ANNUAL CONVENTION |
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September 29 - October 2, 2007
Renaissance Worthington Hotel, Fort Worth
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Attention Convention Registrants!
CLICK HERE to see how you can WIN BIG while helping the IBAT PAC! | |
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| TECHMECCA |
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TechMecca 2007 officials have secured Microsoft technology expert Sharjeel Noor as a highlight of the two-day Las Vegas, Nevada, conference Nov. 28-29.
Noor, a specialist with the Microsoft TS2 team, will address the 1,000-plus attendees at the closing general session.
The University of Southern California graduate travels throughout the United States meeting with Microsoft Partners to help them understand the programs and incentives available to compete more effectively and therein realize their full potential.
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| ON THE EDUCATION FRONT |
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2nd Annual Banking on the Border Conference
October 29-30, 2007 - Tucson, AZ
More information...
Join us for the Second Annual Banking on the Border conference! We have a very exciting program including Alfonso Martinez-Fonts from the Department of Homeland Security and a keynote address from Texas Banking Commissioner Randall James.
Managing Your Bank For Growth
October 29-30, 2007 - Dallas
Don’t waste time with trial and error. Bring home proven strategies to attract new customers and expand your relationships with existing customers. Learn techniques that have been successful for many community banks, regardless of their demographics or competition. If profitable growth is part of your strategic plan, this program is a must.
Preserving Independence For The Community Bank
November 8-9, 2007 - Dallas
This program presents a comprehensive look at key ways community banks may preserve and promote long-term independence. The session will be practical in application discussing structuring techniques such as the bank holding company formation, subchapter S status, and public versus private status. Additionally, key techniques for enhancing shareholder value including stock repurchase transactions, driving earnings performance and conducting appropriate strategic planning will also be addressed. In addition, by analyzing trends in the current merger and acquisition environment, participants will know how to avoid becoming a target that is sold to another institution. |
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COMING SOON |
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For a complete listing of upcoming events, CLICK HERE. Meanwhile, please mark your calendar for some of our key events for 2007.
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September 29 - October 2, 2007 - Fort Worth |
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FDIC Banker Outreach
October 23 - Richardson
October 25 - Arlington |
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Financial Literacy Summit
December 4-5 - TBD |
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Winter Summit VIII
January 27-29 - South Lake Tahoe, NV | | |
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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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