For the final part of my introduction, let me now look forward to the upcoming two days of this conference. I am happy to see such a wide-range of topics on the agenda that will be discussed in the different sessions.
The challenges facing community banks have changed significantly over the past 10 years. Community banks have demonstrated remarkable resilience, and conferences like this have helped regulators and supervisors to better understand those changes. -2I want to congratulate the Federal Reserve Bank of St. Louis for a decade of hosting an important and informative conference.