Federal Reserve System and the Conference of State Bank Supervisors

Community Banking in the 21st Century

Sept. 23-24, 2014, Federal Reserve Bank of St. Louis

Conference Agenda (Download PDF)

Tuesday, September 23

Welcoming Remarks

Moderator: Julie Stackhouse, Welcome & Overview of the Fed/CSBS Community Bank Research Conference Initiative | Video

Morning Keynote Address

Research Paper Session 1

Community Bank Formation, Behavior and Performance

Moderator: Ken B. Cyree, Ph.D., Dean and the Frank R. Day/Mississippi Bankers Association Chair of Banking, University of Mississippi School of Business Administration; Director, Mississippi School of Banking | Video

Community Bank Panelist: Mark Schroeder, Chairman and CEO, German American Bank, Jasper, Ind. | Video

Research Paper Session 2

The Effect of Government Policy on Bank Lending and Risk-Taking

Moderator: Richard A. Brown, chief economist and associate director for regional operations, Division of Insurance and Research, Federal Deposit Insurance Corporation, Washington, D.C. | Video

Community Bank Panelist: David C. Williams, president and CEO, Upper Peninsula State Bank, Escanaba, Mich. | Video

Research Paper Session 3

The Effect of Government Policy on Community Bank Viability

Moderator: Heidi Mandanis Schooner, Columbus School of Law, Catholic University of America, Washington, D.C. | Video

Community Bank Panelist: J. Pat Hickman, Chairman and CEO, Happy State Bank, Happy, Texas | Video

Community Banker Panelists for Research Sessions

Evening Keynote Address

  • Introduction: Candace A. Franks, CSBS Chairman and Arkansas Commissioner of Banks | Video
  • Rebeca Romero Rainey, Chair & CEO Centinel Bank, Taos, New Mexico | Video

Wednesday, September 24

2014 Community Banker Town Hall Survey Presentation of Results | Video


  • Michael Stevens, senior executive vice president, Conference of State Bank Supervisors
  • Andrew P. Meyer, senior economist, Federal Reserve Bank of St. Louis

Panel Discussion

The Future of Community Banking: Video 1 | Video 2 | Video 3 | Video 4 | Video 5

Moderator: Lamont Black, assistant professor of finance, Driehaus College of Business, DePaul University Chicago, Ill. | Video


  • Trey Maust, Co-President and CEO
    Lewis & Clark Bank, Oregon City, Ore.
  • R.H. (Hank) Seale III, founder and chairman, Q2
    founder and chairman, CBANC Network, Austin, Texas
  • Joshua Siegel, Managing Partner and CEO
    StoneCastle Partners, LLC, New York, N.Y.
  • Timothy K. Zimmerman, president and CEO
    Standard Bank, Monroeville, Penn.

Conference Wrap-up

Julie Stackhouse, senior vice president, Banking Supervision and Regulation, Federal Reserve Bank of St. Louis
View Presentation Slides (PDF) | Video

Conference Wrap-Up (PDF)