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THE TEXAS INDEPENDENT VOLUME XL NO. 1 BANKER JANUARY/FEBRUARY 2014 20 IBAT's 2014 Education Schedule By Julie Courtney, CAE, CMP 24 Implementing a Successful Strategic Plan Involves a Multi-Level Approach: Connecting the Dots Between Drafting the Plan and Successful Results By Keith Hughey 26 Organizing Sales & Marketing Data to Improve ROI By Guenther Hartfeil 30 What Banks Should Know About the End of Support for XP By Denney James 32 Tech Mecca 2014: The Premier Technology Conference & Expo for Financial Institutions 34 Are You One of the 20%? Bonnie Kankel / Editor in Chief By Steve Scurlock Mary E. Lange / Contributing Editor Darlene Revers / Advertising Manager Leslee Walker / Advertising Assistant John Wilson / Cover Design/Illustration Barbara Jezek / Design/Production IBAT’s bi-monthly magazine, The Texas Independent Banker, welcomes letters from readers. The Texas DEPARTMENTS Independent Banker, January/February, Volume XL, Issue 1. Published bi-monthly by the Independent Bankers Association of Texas, 1700 Rio Grande Street, Suite 100, 4 Up Front Austin, TX 78701, 512/474-6889, FAX 512/322-9004. 16 Personnel Update Inquiries should be sent to the Editor. Editorial guidelines are available upon request. Advertising rates may be 6 Foundation Footprints obtained by contacting Advertising Sales at 800/749- Association News 4228 or 512/474-6889. Advertisements do not imply 18 sponsorship by IBAT. ©2014 by the Independent Bankers Services Solutions Association of Texas. No part of this publication may be 8 IBAT Calendar reproduced in any form without written permission of 42 the publisher. Opinions expressed in this publication do not necessarily reflect official policy of the Independent 10 Frontline Leadership Bankers Association of Texas. 44 IBAT Around the State General Counsel’s Corner 12 45 Advertising Directory Interest Rates 14 46 Compliance Guy Quote: Chris Williston January/February 2014 www.ibat.org ★ 3 UP FRONT Resolutions nd so we begin another year. past two years our communication efforts have resulted in over Don’t count me among all the well-intentioned 500 media stories and opinion pieces. people who start each year with a myriad of New Year’s We will continue to pound away with supporting media resolutions. I learned long ago that deciding one day efforts making the case that community banks are essential to change one’s longstanding behavioral patterns was to small business lending and economic growth and should Anothing more than an exercise in futility. not be subjected to rules governing too big to fail financial Lose weight. Better manage time between family and work. institutions. Sign up for debit processing with Travel less. Say “no” more often. I’ve tried and failed. The end An Invaluable Compliance Resource always justified the means. IBAT has made the commitment to assist our member insti- Business resolutions are different. Constructed primarily and get instant issue for tutions in navigating the maze of current and prospective regu- from budget expectations built from the strategic plan, they are lations resulting from the passage of Dodd-Frank, and we believe more easily managed and monitored. And executed correctly, it to be disingenuous to profit from an industry desperately seek- Instant-issue allows you to make new and replacement debit cards in your branch lobby these resolutions often result in celebration rather than failure. ing support and guidance. using secure, table-top equipment. Once the card information is entered into the system, I’m proud of the effort the IBAT management team and We will continue to make available access to our experi- our very dedicated volunteers put into the strategic planning it only takes about a minute to produce a personalized debit card. Your cardholder enced team of legal counsel and compliance specialist free of and annual budgeting process. All initiatives are measured charge and expand our compliance forum to share best prac- leaves the branch with a new debit card in hand and ready to use! against one objective: does the product or service add value to tices and collaborative problem solving among IBAT’s member membership? institutions. So what have we resolved for 2014? Here are our top five For a very limited time, will provide equipment, project management priorities. Help Members Manage Non-Interest Expense expertise, installation and training to financial institutions that sign up for EFT processing IBAT Services continues to search for cooperative group Double Down on DC Lobby Efforts – all at no extra charge! buying opportunities through its endorsed product and service We acknowledge that it is almost impossible to manage offerings. Members benefitted by effective lobby efforts from 2,000 miles away. And while IBAT receiving over $2.5 million in But hurry! This offer may expire in an instant! staff has an excellent relationship with members of the Texas direct discounts in 2013. Congressional delegation and actively engages in the legisla- The addition of the full Dell tive and regulatory process with the ICBA, the IBAT Board Since 1975, TransFund has been providing product line of desktops, laptops, has committed even more financial resources in 2014 to work servers and hardware and software EFT processing to community financial on advancing legislation to reduce the oppressive regulatory accessories will likely double the environment. institutions. Our mission is to help aggregate member savings in 2014. IBAT has secured additional “feet on the ground” in DC maximize EFT profitability for our IBAT’s insurance subsidiary, by retaining the services of the Policy Resolution Group of IBAT Financial Services, will con- clients, while providing new and Bracewell and Giuliani effective January 1. In addition, IBAT tinue to expand its product line and will continue its longstanding relationship with Jim Wise of the exciting products and services to insurance underwriters to secure PACE Group for DC lobbying efforts. help clients grow. competitive pricing to managing CHRISTOPHER L. Few state associations can match the financial commit- financial exposure and risk. WILLISTON, CAE, is ment we have made to improving the community bank business President and Chief model, and advancing our long-term goal of achieving a two- Educational Offerings Executive Officer of the tiered regulatory system. Second to None Independent Bankers More than 10,000 directors, Telling the Community Bank Story officers and employees partici- Association of Texas. Call TransFund today at 405.401.9469, IBAT and ICBA have made great strides through aggres- pated in IBAT educational sum- 713.446.5292, [email protected], sive public relations and social media efforts in segregating com- mits, workshops, conferences and munity banks from the systemically risk-averse banks. Over the (Continued on page 42) [email protected] or visit 4 ★ The Texas Independent Banker January/February 2014 INSTANT GRATIFICATION. Sign up for debit processing with TransFund and get instant issue for free! Instant-issue allows you to make new and replacement debit cards in your branch lobby using secure, table-top equipment. Once the card information is entered into the system, it only takes about a minute to produce a personalized debit card. Your cardholder leaves the branch with a new debit card in hand and ready to use! For a very limited time, TransFund will provide equipment, project management expertise, installation and training to financial institutions that sign up for EFT processing – all at no extra charge! But hurry! This offer may expire in an instant! Since 1975, TransFund has been providing FREEFR EFT processing to community financial institutions. Our mission is to help maximize EFT profitability for our clients, while providing new and exciting products and services to help clients grow. Call TransFundd todaytotododadayayy atat 4405405.401.9469,005.5.440011..994469, 713.446.5292,92,2, [email protected],[email protected], [email protected] oror visitvissit www.transfund.com.sfuunndd.c.cocomomm.. FOUNDATION FOOTPRINTS Community Bankers Get It Changes to the Board In the December issue of The Texas Independent Banker, we were delighted to announce that Kay Bailey Hutchison had accepted the position of the Foundation’s honorary chairman. I also am delighted to announce several additional changes as we lace up our running shoes and prepare for 2014. Ringing in the new: Mack Neff, President & CEO, Integrity Bank, Houston Mary Scott Nabers, President and CEO, Strategic Partnerships, Austin Cliff McCauley, Senior Executive Vice President, Frost, San Antonio Steve Sievert, Executive Vice President, Communications-Market- ing, PULSE, Houston These outstanding new board members share our vision and t the beginning of a New Year, we pause to recognize will be contributing to the conversations at the board table and the IBAT Education Foundation as it moves forward working together with our fellow board members: into 2014. Let me begin with our most recent celebra- Charles T. Doyle, Chairman, Texas Independent Bancshares, tions and close with the exciting changes to the Foun- Texas City dation Board of Directors. Gary D. Edmiston, Senior Business Consultant, UT Permian A First the celebrations: Basin Small Business Development Center In late December, the Foundation was awarded a $30,000 Catherine Ghiglieri, JD, President, Ghiglieri & Co., Austin grant from the Office of Consumer Credit Commissioner (OCCC) Charles