Independent Bankers Magazine
The July/August edition of IBAT’s magazine, The Texas Independent Banker, will arrive in your mailbox this week, and the online edition is now available for you to view. Feature articles in this edition include:
The following article appears in the current March/April edition of The
Texas Independent Banker magazine.
What Your Board of Directors Should Know: Creating a Strong (and Effective!) Community Bank Board of Directors
By Kelly Goulart
By Jim Smitherman
For the majority of traditional community banks, over 90% of
earnings are driven by net interest income. In a bank with assets of $500
million, a change of just 10 basis points in net interest spread represents
approximately $500 thousand in net revenues; a change of a single basis point
(.0001) will impact the bottom line by $50 thousand.