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Small Business Lending: The Importance of Working Capital

Posted by Brad Burgess

In my last communication regarding the steps to opening a small business, a simple guideline was provided to help you get started in opening a new small business. Once open, the principals of the business have likely injected a significant amount of their own personal cash into the business and, many times, the financing package includes[…]  Read more

 
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Account Analysis: To Fee or Not to Fee

Posted by Lacie McDowell

To fee or not to fee, that is the question. One of the most widely asked questions I get from my fellow coworkers as well as commercial clients is, “Why was there a service charge assessed on my commercial checking account?” Becoming a little more educated on the actual meat and potatoes of what is[…]  Read more

 
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Mutual Funds Can Be Your Key to Investing

Posted by FirstCapital Bank of Texas

Many people are looking for the key to successful investing of their hard-earned dollars. Most folks will look to the best percentage return on a given report, over any given timeframe, and fully expect to receive or beat that return for themselves. This assumption can bring on overwhelming disappointment and presents a bad picture of[…]  Read more

 
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FCB and the Economy: MRT’s Interview with SVP Katie Boyd

Posted by Guest Contributor

It’s a topic that has been looming over many Texas communities: the economy. With the volatile oil and gas industry, an industry that drives the Midland economy specifically, what will come of community businesses? Stewart Doreen with the Midland Reporter-Telegram sat down with FCB to discuss the implications and what it means for FCB’s future. He writes, “Whether a local[…]  Read more

 
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A Lesson in Adversity

Posted by FirstCapital Bank of Texas

One of my favorite quotes of all time is by Charles Swindoll and includes the line, “I am convinced that life is 10 percent what happens to me and 90 percent how I react to it.”  I’ve tried hard over the years to follow this notion; there are moments when I have succeeded and moments[…]  Read more

 
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To Build or Not to Build, That is the Question! – Part II

Posted by Greg Burgess

In the previous segment, several options were discussed that are available to you as you consider whether to purchase or build a new home. In this next segment, I will discuss some of the important options to consider if you have decided to build. With your builder selected and your plans determined, it will now[…]  Read more

 
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Small Business Tips For Big Success

Posted by Brad Burgess

The process of starting a small business is a very difficult, challenging, and daunting task in today’s complicated and ever-changing business environment. How much cash will it require? What are the legal ramifications and economic issues? What type of entity is most beneficial? Who can help with the financial projections? What is the best financing[…]  Read more

 
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Time: A Banker’s Secret to Making the Most of Your Daily 86,400 Seconds

Posted by Lacie McDowell

Time – isn’t that always something we are asking for more of? 86,400: that is how many seconds we are given in a day to get as much accomplished as we can. As all of our schedules get busier and busier every year, I am constantly hearing people say, “If I only had more time.” In what[…]  Read more

 
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5 Easy Tips to Achieve Financial Fitness in 2015!

Posted by FirstCapital Bank of Texas

  It’s a New Year, which means it’s time to set your obligatory New Year’s Resolution!  If you’re like most Americans, your resolution might have something to do with fitness: either physical or financial.  Being a banker, I’m most interested in exploring financial fitness to bring you tips to make 2015 your most financially fit[…]  Read more

 
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People Make Your Brand

Posted by Ken Burgess

Our bank recently changed our tagline to better define our intended brand. We have been working for years to build a brand both internally and externally but we never developed a tagline to identify what our brand was. After many discussions within our staff, we decided upon “You Above All”. Everyone felt this tagline defined[…]  Read more