And, as I will discuss momentarily, actual and prospective changes in the regulatory landscape have also raised concerns among community bankers. The good news is that, for the most part, community banks appear to be meeting their challenges.
Profits of smaller banks were considerably higher in 2011 than in the previous year, nonperforming assets were lower, provisions for loan losses fell appreciably, and capital ratios improved. Outreach and communication with community banks As I noted, together with economic conditions, regulation and supervision are among the top concerns for community banks.