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STEP ONE - MAKE THE CALL

                                                                                                                                            Edith Snow
                    The Texas                                                                                                             817-676-3316
                    Independent Banker                                                                                                    281-794-0065
                                                                                                                                           James Walsh




                                                                          Volume XLIV, No. 1     January/February 2018                   Celena Ivanitch
                                                                                                                                          512-787-2164

                                                                                                                                         Richard Grimes
                                                                                                                                          469-543-9337




        Identity is



        Everything






                                                                                        The



                                                                                        Crafting


                                                                                        of a New



                                                                                        IBAT Logo


















                                                                                    Also in this issue:
                                                                                    Avoiding the Pitfalls

                                                                                    Convention – A Look Back
                                                                                    Perspectives on Leadership

                                                                                    Texas Community Banks Go
                                                                                    Above and Beyond
                                                                                    Yes, CECL Affects Taxes, Too
                                                                                    Texas Sets the PACE
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