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Fed and CSBS Announce Papers Selected for 2016 Community Banking Research Conference


ST. LOUIS ― Ten research papers have been selected for the 2016 Federal Reserve/Conference of State Bank Supervisors Community Banking in the 21st Century Research and Policy Conference that will be held Sept. 28-29 at the Federal Reserve Bank of St. Louis.

Authors of the selected papers will present their papers during one of three moderated panels being held throughout the conference. The panel sessions will be divided into three topic areas, with each panel including a community banker discussant. All presentations, in addition to keynote speeches, will be available to view live via the conference web site at

Session 1: The Continuing Relevance and Importance of the Community Bank Business Model

Session moderator: Robin Prager, senior adviser, division of research and statistics, Board of Governors of the Federal Reserve System

Community banker discussant: William Dana Jr., president and chief executive officer, Central Bank of Kansas City, Kansas City, Mo.

  • Is the Traditional Banking Model a Survivor?
    Authors: Vincenzo Chiorazzo, Vincenzo D’Apice and Pierluigi Morelli, Italian Banking Association and Robert DeYoung, University of Kansas
  • Why Banks Matter: Measuring the Impact of Banks on Missouri’s Economy
    Author: Joseph H. Haslag, University of Missouri
  • Bank Business Models in the US: Identification, Performance, Risks and Regulation: What Makes Community Banks Different?
    Author: Rym Ayadi, HEC Montreal
  • The Changing Face of Communities Served by Minority Depository Institutions: 2001-2014
    Authors: Russell D. Kashian, Fernanda Contreras and Claudia Perez-Valdez, University of Wisconsin – Whitewater

Session 2: The Relationship between Community Bank Size and Performance

Session moderator: Cynthia Course, director, financial institution supervision and credit, Federal Reserve Bank of San Francisco

Community banker discussant: Allan Landon, adjunct professor and assistant dean of corporate outreach, David Eccles School of Business, University of Utah; director, MidFirst Bank, Oklahoma City, Okla., and former chairman and CEO, Bank of Hawaii, Honolulu, Hawaii

  •  Is Bigger Necessarily Better in Community Banking?
    Authors: Joseph P. Hughes, Rutgers University; Julapa Jagtiani, Federal Reserve Bank of Philadelphia; and Loretta J. Mester, Federal Reserve Bank of Cleveland
  • Bank Size, Compliance Costs and Compliance Performance in Community Banking
    Authors: Drew Dahl, Andrew Meyer and Michelle Neely, Federal Reserve Bank of St. Louis
  • Has the Bank Size and Profitability Relationship Changed?
    Authors: Kristen Regehr and Rajdeep Sengupta, Federal Reserve Bank of Kansas City

Session 3: Community Bank Regulatory Issues

Session moderator: Todd Vermilyea, senior associate director and economist, Federal Reserve Board of Governors

Community banker discussant: Glen Jammaron, vice chairman and president, Alpine Banks of Colorado, Glenwood Springs, Colo.

  • Dodd-Frank Federal Deposit Insurance Reform
    Authors: Kyle D. Allen, Louisiana Tech University; Travis R. Davidson, Ohio University; Scott E. Hein, Texas Tech University and Matthew D. Whitledge, Coastal Carolina University
  • Did Capital Requirements in the Early 20th Century United States Promote Bank Stability?
    Author: Michael Gou, University of California at Irvine
  • Commercial Lending Concentration and Bank Expertise: Evidence from Borrower Financial Statements
    Authors: Philip G. Berger and Michael Minnis, University of Chicago; Andrew Sutherland, Massachusetts Institute of Technology

Following the research sessions, Fed and CSBS representatives will present and discuss the results of interviews with bankers conducted by state bank commissioners this spring and summer, titled “Five Questions for Five Bankers.” Additionally, the 2016 National Survey of Community Banks will be released and its findings presented.

For more information about the 2016 conference, including the agenda, summaries of the papers and author bios, visit the conference website at