Conference Agenda Gateway Auditorium, 6th Floor | Federal Reserve Bank of St. Louis
October 2-3, 2024
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• Wednesday, October 2
• 9:00 a.m.

  Introduction

  James Fuchs

  Vice President, Federal Reserve Bank of St Louis

• 9:05 a.m.

  Welcoming Remarks

  Alberto Musalem

  President and CEO, Federal Reserve Bank of St Louis

  Charles Clark

  Director, Washington State Department of Financial Institutions; Chair, CSBS

• 9:30 a.m.

  2024 CSBS Annual Survey of Community Banks Presentation of Results

  Presenter: Joey Samowitz

  Director, Policy Development, CSBS

  Presenter: Thomas Siems

  Chief Economist, CSBS

  Presenter: Kathleen Navin

  Senior Business Economist, Federal Reserve Bank of St Louis

• 10:00 a.m.

  Morning Keynote

  Michelle Bowman

  Governor, Federal Reserve Board of Governors

• 10:30 a.m.

  Break
• 11:00 a.m.

  Research Paper Session 1
  Community Banks and the Local Economy

  Moderator: Greg Nini

  Associate Professor of Finance, Drexel University, LeBow College of Business

  Community Bank Discussant: T. Corey Neil

  President and CEO, Bank of Tampa, Tampa, Fla.

  Unexpected Gains: How Fewer Community Banks Boost Local Investment and Economic Development

  Rohan Williamson, Georgetown University

  Canary in the Coal Mine: Bank Liquidity Shortages and Local Economic Activity

  Shohini Kundu, UCLA

  Relationship Lending: That Ship Has Not Sailed for Community Banks

  Dmytro Holod, State University of New York at Stony Brook
• 12:30 p.m.

  Lunch
• 1:30 p.m.

  Afternoon Keynote

  Martin Gruenberg

  Chairman, FDIC

• 2:00 p.m.

  Research Paper Session 2
  Deposit Stability

  Moderator: Matthew Plosser

  Financial Research Advisor, Federal Reserve Bank of New York

  Community Bank Discussant: Mary Willis

  President and CEO, Fidelity Bank, Fuquay-Varina, N.C.

  Variable Deposit Betas and Bank Interest Rate Risk Exposure

  Mustafa Emin, University of Alabama

  The Economics of Market-Based Deposit Insurance

  Edward Kim, University of Michigan-Ann Arbor

  Depositor Characteristics and Deposit Stability

  Rajesh Narayanan, Louisiana State University
• 3:30 p.m.

  Break
• 4:00 p.m.

  2024 CSBS Community Bank Case Study Competition Winning Presentation

  Introduction: Antonio Salazar

  Commissioner of Financial Regulation, Maryland Department of Labor

  Student Team - Commonwealth University of Pennsylvania

  Hannah Caccia and Eric Shaw

  Community Bank Partner

  LeeAnn Gephart, Executive Vice President and Chief Banking Officer, First Citizens Community Bank in Mansfield, Pa.

  Faculty Advisors

  Dr. Atika Benaddi and Dr. Victoria Geyfman

• 4:45 p.m.

  Day One Reflections

  Carl White

  Senior Vice President, Federal Reserve Bank of St Louis

• 5:00 p.m.

  Dinner Reception
• Thursday, October 3
• 7:30 a.m.

  Breakfast and Networking
• 8:30 a.m.

  Community Banker Keynote Conversation

  Introduction: Justin Zimmerman

  Acting Commissioner, New Jersey Department of Banking and Insurance

  Elizabeth "Liz" Magennis

  President, ConnectOne Bank, Englewood Cliffs, N.J.

• 9:00 a.m.

  Morning Remarks

  Jeff Schmid

  President and CEO, Federal Reserve Bank of Kansas City

• 9:05 a.m.

  Research Paper Session 3
  Consumer Protection

  Moderator: Anne Beatty

  Deloitte & Touche Chair of Accounting, The Ohio State University, Fisher College of Business

  Community Bank Discussant: Orv Kimbrough

  Chairman and CEO, Midwest BankCentre, St. Louis

  Do Financial Consumers Discipline Bad Lenders? The Role of Disclosure Awareness

  Cheng "Cathy" Zhang, University of Florida

  Disciplining Banks through Disclosure: Evidence from CFPB Complaints

  Anya Kleymenova, Board of Governors of the Federal Reserve System

  Branching Out Inequality: The Impact of Credit Equality Policies

  Jacelly Cespedes, University of Minnesota
• 10:35 a.m.

  Break
• 10:45 a.m.

  Panel Discussion
  The Future of the Community Bank Business Model

  Moderator: Brian Sullivan

  Office of Communications, FDIC; Host of The FDIC Podcast

  Panelists

  Shaza Andersen

  Founding Member and CEO, Trustar Bank, Great Falls, Va.

  William "Billy" Carroll

  President and CEO, SmartBank, Pigeon Forge, Tenn.

  Tom Leavitt

  President and CEO, Northfield Savings Bank, Northfield, Vt.

• 11:45 a.m.

  Presentation of the John W. Ryan Award and Concluding Remarks

  Karen Lawson

  Executive Vice President, Policy and Supervision, Conference of State Bank Supervisors - CSBS

• Poster Papers

  Credit Union Expansion and Bifurcation in Local Bank Lending

  Jiakai Chen, Shidler College of Business, University of Hawaii at Manoa

  Banking on Deposit Relationships: Implications for Hold-Up Problems in the Loan Market

  Cédric Huylebroek, KU Leuven