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11:00 am Eastern | 10:00 am Central | 9:00 am Mountain | 8:00 am PacificThis session will address regulatory expectations with regard to community bank expense practices, common community bank strategies and approaches, and some pitfalls that community banks have fallen subject to in the past. In difficult economic times, it is common for regulatory agencies to take a more skeptical approach in its review and oversight of community bank expense practices, both to ensure that only proper expenses are incurred and to ensure the bank maintains sufficient capital levels to meet any asset quality issues that may arise, whether or not the particular bank expects such issues.