I am in my first full year in a community bank brokerage program.  Almost 100% of my clients come from referrals from personal bankers and other bank employees.  Our broker/dealer is RJ.  I inherited about $800k in assets and have grown it to $7.5 million ($3 million fee-based) since I started.  No real big accounts so far so the assets seem to be adding up slowly.  Our fee-based platforms pay nothing upfront, just quarterly trails and I feel like I am getting paid peanuts.  Our deposit base at my branch is $350 million.  I'd like to get my fee-based up to $15 million by the end of 2013 but I need ideas on how to prospect better within the bank, our upper management does not want us cold calling bank customers.  I cold called (I don't consider it cold since they are already bank customers) when I first started and had some success but did make a few bank customers angry that I knew their account information and their rates and that did not go over well with the bank side. 

I try and do almost all fee-based business or C-share mutual funds.  I have done a few VAs but do not recommend them very often.  I will unlikely do even 100k GDC for 2012, but I am expecting my revenue numbers to grow rapidly YOY.  I should have $6 million in fee-based by the end of 2012 if all goes right.  My manager is okay with me building a fee-based book of business, I am only 23 years old. 

Any suggestions from the bank guys on what I can do better to prospect?  I don't like just sitting here waiting for the bankers to bring people over and there are plenty of high net worth customers here that I am having a tough time get a hold of.