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community banks are so critically important because of what I would call relationship banking not only do they provide credit to the communities that they serve in but they have strong relationships with their communities my name is Gavin ghee I'm the director of the Idaho Department of Finance headquartered in Boise I have been with the Department for just about 39 years and director for over 20 years now our department regulates the banking industry and 14 other industries we have only community banks and so that range in assets ranges from about a billion won in assets down to about 300,000 in assets well I think Idaho without community banks would would be a much different place than it is today because community banks have played a very critical role in the development of these communities obviously financing is a very key role to any community have having somebody that's willing to finance startup businesses or allow businesses to expand and that's exactly what community banks do

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