Bank Directors Seminar, Coeur d'Alene, ID

– ROE for Community Banks vs Noncommunity Banks (Similar of late)

– Conclusion

– “Community banks” are numerous and growing in relative numbers, but shrinking it control of assets. – CBs are especially important engines for economic growth. Decision making is more local and better informed. – We need to recognize their uniqueness and not regulate them as we do the very large banks in the country. – CSBS is helping here!! – A 2-tiered regulatory system would help further – Big banks are especially worrisome and deserve more regulatory scrutiny and attention.