Calabia, F. Christopher
and Federal Reserve Bank of New York. "Community Banking in an Ever Changing World : Remarks at the Community Bankers' Conference, Federal Reserve Bank of New York,"
Statements and Speeches of F. Christopher Calabia
(April 7, 2016).
https://fraser.stlouisfed.org/title/7070/item/635723, accessed on January 14, 2026.