SPEAKER INDEX CONTENTS INSERTS ABERNATHY 12 22 23 28 30 31 32 33 36 37 BACHUS 1 5 6 7 9 10 11 12 15 18 19 22 23 24 25 28 31 34 36 40 41 42 43 46 49 51 54 67 68 69 70 71 72 BAKER 5 62 64 CARSON 25 GARRETT 9 31 32 33 34 GOLDSTON 43 44 65 66 HENSARLING 7 28 29 30 31 40 54 56 59 61 63 64 65 66 67 70 72 HICKMAN 59 69 70 HINOJOSA 34 36 KENNEDY 54 64 71 LEIGHTY 46 67 LUCAS OF KENTUCKY 9 MACOMBER 51 68 70 MEEKS 36 37 38 39 REICH 15 24 26 27 29 30 33 34 35 36 39 ROCK 42 49 66 SANDERS 3 SHERMAN 6 SMITH 11 12 18 19 26 29 38 39 TAYLOR 56 63 64 69 70 71 WATT 18 19 25 26 27 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. WAYNE A. ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, UNITED STATES DEPARTMENT OF THE TREASURY PAGE 12 STATEMENT OF HON. JOHN REICH, VICE CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 15 STATEMENT OF HON. JOSEPH SMITH, JR., COMMISSIONER OF BANKS, NORTH CAROLINA OFFICE OF COMMISSIONER OF BANKS, REPRESENTING CONFERENCE OF STATE BANK SUPERVISORS PAGE 19 STATEMENT OF JIM GOLDSTON, BRANCH PRESIDENT, CITY BANK, (TX) PAGE 43 STATEMENT OF DALE LEIGHTY, CHAIRMAN AND PRESIDENT, FIRST NATIONAL BANK OF LAS ANIMAS, (CO) REPRESENTING INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 46 STATEMENT OF BRAD ROCK, CHAIRMAN, PRESIDENT AND CEO, BANK OF SMITHTOWN (NY) REPRESENTING AMERICA'S BANKERS ASSOCIATION PAGE 49 STATEMENT OF MARK MACOMBER, PRESIDENT AND CEO, LITCHFIELD (CT) BANCORP, REPRESENTING AMERICA'S COMMUNITY BANKERS PAGE 51 STATEMENT OF JUDITH A. KENNEDY, PRESIDENT AND CEO, NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS PAGE 54 STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION PAGE 56 STATEMENT OF J. PAT HICKMAN, CHAIRMAN AND CEO, HAPPY STATE BANK (TX) REPRESENTING INDEPENDENT BANKERS' ASSOCIATION OF TEXAS PAGE 59 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING