Western Independent Banker - March/April 2009 - (Page Cover3) FIRST ROI “When researching checking accounts, 71% of the US population go to the Internet first.” - MRI, 2008 20% of American households now bank with net-only institutions. ith 91 million 18-30 year olds, Gen Y is the largest generation in U.S. history. This group, along with Gen X and the younger Baby Boomers, almost exclusively use the Internet to research financial products and services.* What’s more, Gen Y is growing up - entering the work force, having families, and banking online. To thrive in today’s world, your bank’s online presence must have the sales power of your bricks and mortar branches. That’s where FIRSTBranch, our industry’s leading comprehensive online marketing solution, comes in. FIRSTBranch includes a recrafted website with a simple, yet robust content management system, on-going design and copywriting changes, and consulting with no hourly fees. 52% of online consumers begin their financial research at a search engine. Only 20% start at their primary bank’s website.* In addition to a custom, sales-driven website with SAS 70 Type II hosting, our turnkey online marketing system includes Search Engine Optimization and Paid Search Marketing. This means that we’ll target the overwhelming majority of new customers researching with search engines and drive them through an online sales funnel. W Our quarterly consultation keeps you on track and drives measurable results, while a true collaboration with your marketing team delivers the deposit and loan-gathering success you deserve. That’s because we never forget that our biggest priority is driving profitable results for your bank - the kind of results that can only come from a healthy long-term relationship. Our bottom line is linked to yours. We are so confident we will drive online success for your bank, we’ve tied our pricing to account acquisition. Please call us today to learn more about our unique pricing model, and discover why over 400 community financial institutions nationwide rely on FIRST ROI. And we don’t stop there. FIRST ROI sticks with you every step of the way to ensure success. Visit www.firstroi.com/wib or call (877) 342-2557. *Forrester Research, Q3 2007 http://www.firstroi.com
Table of Contents Feed for the Digital Edition of Western Independent Banker - March/April 2009 Western Independent Banker - March/April 2009 Contents A Message from the President & CEO Profitable Liquidity: Yes, You Can Non-Performing Assets: The Keep Versus Sell Decision Is BOLI the Way to Go? The Troubled Asset Relief Program and Its Eff ect on Executive Compensation TARP Money or Not, Secondary Offerings Belong in Your Plan 52nd Annual Conference Private Equity: Another Capital Option Strengthening Your Bank’s Bottom Line by Adapting to Difficult Times Managing Your Branch Network Capital Dealing with a Hard Insurance Market WIB Service Corporation Report WIB Calendar New Members Index of Advertisers Advertiser.com Western Independent Banker - March/April 2009 Western Independent Banker - March/April 2009 - Western Independent Banker - March/April 2009 (Page Cover1) Western Independent Banker - March/April 2009 - Western Independent Banker - March/April 2009 (Page Cover2) Western Independent Banker - March/April 2009 - Western Independent Banker - March/April 2009 (Page 3) Western Independent Banker - March/April 2009 - Western Independent Banker - March/April 2009 (Page 4) Western Independent Banker - March/April 2009 - Contents (Page 5) Western Independent Banker - March/April 2009 - Contents (Page 6) Western Independent Banker - March/April 2009 - Contents (Page 7) Western Independent Banker - March/April 2009 - Contents (Page 8) Western Independent Banker - March/April 2009 - A Message from the President & CEO (Page 9) Western Independent Banker - March/April 2009 - A Message from the President & CEO (Page 10) Western Independent Banker - March/April 2009 - Profitable Liquidity: Yes, You Can (Page 11) Western Independent Banker - March/April 2009 - Profitable Liquidity: Yes, You Can (Page 12) Western Independent Banker - March/April 2009 - Non-Performing Assets: The Keep Versus Sell Decision (Page 13) Western Independent Banker - March/April 2009 - Non-Performing Assets: The Keep Versus Sell Decision (Page 14) Western Independent Banker - March/April 2009 - Is BOLI the Way to Go? (Page 15) Western Independent Banker - March/April 2009 - Is BOLI the Way to Go? (Page 16) Western Independent Banker - March/April 2009 - The Troubled Asset Relief Program and Its Eff ect on Executive Compensation (Page 17) Western Independent Banker - March/April 2009 - The Troubled Asset Relief Program and Its Eff ect on Executive Compensation (Page 18) Western Independent Banker - March/April 2009 - The Troubled Asset Relief Program and Its Eff ect on Executive Compensation (Page 19) Western Independent Banker - March/April 2009 - TARP Money or Not, Secondary Offerings Belong in Your Plan (Page 20) Western Independent Banker - March/April 2009 - TARP Money or Not, Secondary Offerings Belong in Your Plan (Page 21) Western Independent Banker - March/April 2009 - 52nd Annual Conference (Page 22) Western Independent Banker - March/April 2009 - 52nd Annual Conference (Page 23) Western Independent Banker - March/April 2009 - 52nd Annual Conference (Page 24) Western Independent Banker - March/April 2009 - Private Equity: Another Capital Option (Page 25) Western Independent Banker - March/April 2009 - Private Equity: Another Capital Option (Page 26) Western Independent Banker - March/April 2009 - Private Equity: Another Capital Option (Page 27) Western Independent Banker - March/April 2009 - Private Equity: Another Capital Option (Page 28) Western Independent Banker - March/April 2009 - Strengthening Your Bank’s Bottom Line by Adapting to Difficult Times (Page 29) Western Independent Banker - March/April 2009 - Strengthening Your Bank’s Bottom Line by Adapting to Difficult Times (Page 30) Western Independent Banker - March/April 2009 - Managing Your Branch Network Capital (Page 31) Western Independent Banker - March/April 2009 - Managing Your Branch Network Capital (Page 32) Western Independent Banker - March/April 2009 - Dealing with a Hard Insurance Market (Page 33) Western Independent Banker - March/April 2009 - Dealing with a Hard Insurance Market (Page 34) Western Independent Banker - March/April 2009 - WIB Service Corporation Report (Page 35) Western Independent Banker - March/April 2009 - WIB Service Corporation Report (Page 36) Western Independent Banker - March/April 2009 - WIB Calendar (Page 37) Western Independent Banker - March/April 2009 - WIB Calendar (Page 38) Western Independent Banker - March/April 2009 - New Members (Page 39) Western Independent Banker - March/April 2009 - Index of Advertisers (Page 40) Western Independent Banker - March/April 2009 - Index of Advertisers (Page 41) Western Independent Banker - March/April 2009 - Advertiser.com (Page 42) Western Independent Banker - March/April 2009 - Advertiser.com (Page Cover3) Western Independent Banker - March/April 2009 - Advertiser.com (Page Cover4)
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