Western Independent Banker - January/February 2009 - (Page Cover2)

FIRST ROI “61% of online users ﬁnd their bank account online.” F IRSTBranch, the fully-managed e-marketing system for community banks, is proven to achieve phenomenal results for institutions of all sizes — commercial or retail. And, until now, it's remained the closelyguarded secret of the most successful community bank executives. FIRSTBranch is the translation of your bricks and mortar branch into an online presence — from website development and secure SAS70 Type II hosting to traﬃc-driving Search Engine Optimization and geo-targeted Pay Per Click advertising management. And the expertise doesn’t stop there. FIRST ROI manages the entire program for you — consulting with you quarterly, improving the program regularly, and working with your marketing team to ensure you’re getting the deposit and loan-gathering success you deserve. Because success is all that matters. Your website should deliver at least one and one-half times the results of your average branch. Not "visits" or "sessions," rather, metrics that matter to you as a banker: account applications, acquisition costs, and lead generation. After all, just building and hosting a website is entry-level. These days, a community bank's website must serve as a dynamic online sales tool and not a static product brochure. The big boys care about results. Banks like Washington Mutual have their websites ﬁrmly in control of their marketing teams, and are opening new checking accounts online every two and one-half minutes accordingly. Reclaim your customers and core deposits — insist on a web provider who understands community bank marketing. "We had to have a meeting with the staﬀ to discuss how we were going to handle the unexpected volume!" - Jeﬀ Davis Bank To demonstrate our dedication to your bottom line, we've tied our fee structure to your success. FIRSTBranch online applications and leads are priced at a fraction of standard ABA account acquisition costs. Even if FIRSTBranch delivers no new accounts or leads online in a given month, the only out of pocket expense is a nominal monthly fee — less than a runof-the-mill web host. This success-based pricing is the reason we can conﬁdently say that with FIRST ROI, your results come ﬁrst. Begin gathering customers online now. Over 300 community ﬁnancial institutions have relied on FIRST ROI for their traditional or interactive marketing initiatives. And for good reason — we deliver results. Turn oﬀ what isn’t working and turn to the team of community bank online marketing experts at FIRST ROI. Visit the website or call the number below today. Visit ﬁrstroi.com/wib or call (512) 349-4216. http://www.firstroi.com

Table of Contents Feed for the Digital Edition of Western Independent Banker - January/February 2009

Western Independent Banker - January/February 2009 Contents A Message from the President & CEO Managin Liquidity and Funding During a Recession Staying Liquid in a Time of Regulatory Sea Change Managing Liquidity in a Volatile Rate Environment Regulatory Outlook for Brokered Deposits Deposit Growth and Branch Network Effectiveness Turbo Charging Account Acquisitions FDIC-Insured Sweep Accounts Creating a Contingency Funding Plan WIB Service Corporation Report WIB Calendar New Members Index of Advertisers advertiser.com

Western Independent Banker - January/February 2009

For optimal viewing of this digital publication, please enable JavaScript and then refresh the page. If you would like to try to load the digital publication without using Flash Player detection, please click here.