As you can see, the papers at this conference cover a variety of important topics, and I expect they will provoke spirited discussions among the many experts in attendance. I must say that I am encouraged to see so many researchers from a wide range of academic and government institutions working on issues of great interest to both community bankers and their regulators.
To close the conference, CSBS Chairman Charles Vice will present a report summarizing information gathered from more than 1,500 community bankers attending town hall sessions across the country over the past several months. In addition, a panel of community bankers will share their own views on the state of community banking and prospects for the future. Thank you for being here.