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2016 Press Releases
Idaho Department of Finance Earns Banking Supervision Re-accreditation
California and Missouri Begin Using Uniform Mortgage Test; 50 State Agencies Now Using the Test
North Dakota Department of Financial Institutions Receives Certificate of Mortgage Accreditation
CSBS Names Jim Kurtzke Vice President of Communications
CSBS Announces 2016 Community Bank Case Study Competition Participants
SRR Releases 2015 Annual Report
Colorado Begins Using Uniform Mortgage Test; 51 State Agencies Now Using the Test
Gonzales Appointed to FFIEC State Liaison Committee
Scott Corscadden Named New NMLS Ombudsman
FFIEC Seeks Comments on Proposed Revisions
Financial Regulators Release New Appendix for Retail Payment Systems Booklet
Face Appointed to FFIEC State Liaison Committee
Lawson Elected as State Liaison Committee Chairman
Multi-State Non-Bank Supervision Groups Release Annual Reports
CSBS Releases 2015 Annual Report
12 Student Teams Named Finalists in 2016 Community Bank Case Study Competition
CSBS and MTRA Issue White Paper on State Supervision of MSBs
CSBS Announces New Leadership
Texas Department of Savings and Mortgage Lending Receives Mortgage Reaccreditation
CSBS Announces Winners of the 2016 Community Bank Case Study Competition
CSBS Chairman Challenges State and Federal Regulators to Work Together
Illinois Begins Using Uniform Mortgage Test; 52 State Agencies Now Using the Test
West Virginia Department of Financial Institutions Receives Banking Reaccreditation
FFIEC Issues Statement on Safeguarding the Cybersecurity of Interbank Messaging and Payment Networks
Statement on the Financial CHOICE Act
Statement on Introduction of the Bank Service Company Examination Coordination Act
New Call Report to Streamline Supervision of Money Services Businesses
Fed/CSBS 2016 Community Banking Research Conference to Be Held Sept. 28-29
FFIEC Invites Public Comment on Streamlined "Call Report" for Smaller Institutions
Fed/CSBS Announce Papers Selected for the 2016 Community Banking Research Conference
Financial Regulators Release Revised Information Security Booklet
White Paper Discusses Opportunities for Community Banks to Collaborate
NMLS Launches New Capabilities to Streamline State Licensing Processes
North Carolina Commissioner Ray Grace Appointed
CSBS Releases Second Quarter NMLS
Federal Financial Institutions Examination Council Announces Availability of 2015 Data on Mortgage Lending
Federal Reserve and CSBS Release Findings from 2016 National Survey of Community Banks
Washington Department of Financial Institutions Earns Bank, Mortgage Accreditation
CSBS-Federal Reserve Research Conference Describes the Value and Business Prospects of Community Banks
FFIEC Announces Webinars in Observance of Cybersecurity Awareness Month
Maryland Office of the Commissioner of Financial Regulation Receives Accreditation of Mortgage Supervision Program
CSBS Names Tom Bayer Executive Vice President and Chief Information Officer
FFIEC Issues Frequently Asked Questions Guide on the Cybersecurity Assessment Tool
Third Annual “Your License is Your Business Campaign” Launches Today
CSBS Releases Map of State Requirements for Opening Bank Accounts for Minors
FFIEC Issues Uniform Interagency Consumer Compliance Rating System
State Regulators Oppose OCC Fintech Charter
State Regulatory Group Announces New Cyber Certification Program for Bank Examiners
Statement by the Conference of State Bank Supervisors on Comptroller’s Announcement of New Federal Charters
2017 NMLS Renewal Campaign “Your License is Your Business” Off to Strong Start
FFIEC Streamlines “Call Report” for Small Institutions
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 Fed/CSBS Announce Papers Selected for the 2016 Community Banking Research Conference   

ST. LOUIS ― Ten research papers have been selected for the 2016 Federal Reserve/Conference of State Bank Supervisors Community Banking in the 21st Century Research and Policy Conference that will be held Sept. 28-29 at the Federal Reserve Bank of St. Louis.

Authors of the selected papers will present their papers during one of three moderated panels being held throughout the conference.  The panel sessions will be divided into three topic areas, with each panel including a community banker discussant. All presentations, in addition to keynote speeches, will be available to view live via the conference website at

Session 1: The Continuing Relevance and Importance of the Community Bank Business Model

Session moderator: Robin Prager, senior adviser, division of research and statistics, Board of Governors of the Federal Reserve System.

Community banker discussant: William Dana Jr., president and chief executive officer, Central Bank of Kansas City, Kansas City, Mo.

·         Is the Traditional Banking Model a Survivor?
Authors: Vincenzo Chiorazzo, Vincenzo D’Apice and Pierluigi Morelli, Italian Banking Association and Robert DeYoung, University of Kansas

·         Why Banks Matter: Measuring the Impact of Banks on Missouri’s Economy
Author: Joseph H. Haslag, University of Missouri

·         Bank Business Models in the US: Identification, Performance, Risks and Regulation: What Make Community Banks Different?
Author: Rym Ayadi, HEC Montreal

·         The Changing Face of Communities Served by Minority Depository Institutions: 2001-2014
Authors: Russell D. Kashian, Fernanda Contreras and Claudia Perez-Valdez, University of Wisconsin – Whitewater

Session 2: The Relationship between Community Bank Size and Performance

Session moderator: Cynthia Course, director, financial institution supervision and credit, Federal Reserve Bank of San Francisco.

Community banker discussant: Allan Landon, adjunct professor and assistant dean of corporate outreach, David Eccles School of Business, University of Utah; director, MidFirst Bank, Oklahoma City, Okla., and former chairman and CEO, Bank of Hawaii, Honolulu, Hawaii.

·         Is Bigger Necessarily Better in Community Banking?
Authors: Joseph P. Hughes, Rutgers University; Julapa Jagtiani, Federal Reserve Bank of Philadelphia; and Loretta J. Mester, Federal Reserve Bank of Cleveland

·         Bank Size, Compliance Costs and Compliance Performance in Community Banking
Authors: Drew Dahl, Andrew Meyer and Michelle Neely, Federal Reserve Bank of St. Louis

·         Has the Bank Size and Profitability Relationship Changed?
Authors: Kristen Regehr and Rajdeep Sengupta, Federal Reserve Bank of Kansas City

Session 3: Community Bank Regulatory Issues

Session moderator: Todd Vermilyea, senior associate director and economist, Federal Reserve Board of Governors

Community banker discussant: Glen Jammaron, vice chairman and president, Alpine Banks of Colorado, Glenwood Springs, Colo.

·         Dodd-Frank Federal Deposit Insurance Reform
Authors: Kyle D. Allen, Louisiana Tech University; Travis R. Davidson, Ohio University; Scott E. Hein, Texas Tech University and Matthew D. Whitledge, Coastal Carolina University

·         Did Capital Requirements in the Early 20th Century United States Promote Bank Stability?
Author: Michael Gou, University of California at Irvine

·         Commercial Lending Concentration and Bank Expertise: Evidence from Borrower Financial Statements Authors: Philip G. Berger and Michael Minnis, University of Chicago;  Andrew Sutherland; Massachusetts Institute of Technology


Following the research sessions, Fed and CSBS representatives will present and discuss the results of interviews with bankers conducted by state bank commissioners this spring and summer, titled “Five Questions for Five Bankers.” Additionally, the 2016 National Survey of Community Banks will be released and its findings presented.

For more information about the 2016 conference, including the agenda, summaries of the papers and author bios, visit the conference website at

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