13  14  15  16  Chart 2  Confidence Indicators (2) NRI Consumer Sentiment Index  (1) Consumer Confidence Index 55 s.a.  120  50  Improved  s.a., DI  130  45 140  40 Improved 150  35 Worsened  30  160 Worsened  25  170  CY 05  06  07  08  09  10  11  12  13  14  15  16 17  CY 05  06  07  08  09  10  11  12  13  14  15  16  Note: There is a discontinuity in the data for the Consumer Confidence Index in April 2013 due to a change in the survey method.
I believe your institutions have the capacity to do a lot of good, and that in fact your banks are doing good work every day. And that is why it is a privilege to be here to address you as future leaders of our country’s community banks.