Thank you for the invitation to speak to you today.1 I value the opportunity to spend time with community bankers and fellow federal and state bank regulators. This conference, now in its 13th year, is always a great forum for those interactions. All of us benefit from the research presented here, which helps us understand the opportunities for banks to strengthen communities, and the challenges that community banks face. So, I want to thank the researchers presenting. Thank you also to the Federal Deposit Insurance Corporation (FDIC) and the Conference of State Bank Supervisors (CSBS) for co-sponsoring this ... (full story)