"Board Diversity: Getting From Here To There"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the North Carolina Bankers Association Conference on Women in Banking
April 14, 2004

The Role Of The Bank Director in "Interesting Times"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to the North Carolina Bankers Association
March 25, 2003

"A Regulator's View of Liquidity"
By David Hanson, Chief Deputy Commissioner of Banks, Presented to the North Carolina Bankers Association Conference
February 19, 2003

"Financial Institutions And Rural Economic Development"
By Joseph A. Smith, Jr., Commissioner of Banks, Presented to CRA-NC, Leadership in Rural Lending Conference
September 12, 2002