in closeing ncua provides committed to streamlining examinations. we also stand ready to work with congress on related legislative proposals. i look forward to your questions. >> mr. franks. >> good morning chairman shelby and distinguished members of the committee. my name is candace franks and i serve as bank commissioner of the arkansas state bank commission. i'm chairman of the conference of state bank supervisors. it is my pleasure to testify today on behalf of csbs. i would like to thank congress and this committee for your focus on community banks. in my 35 years as a state regulator i have seen firsthand the positive local impact of community banks. these banks are critical to providing access to credit and urban as well as rural areas and they are important to building and maintaining consumer confidence in our financial system. one out of every five u.s. counties has no physical banking offices except those operated by community banks. in my home state of arkansas a very rural says, there are 96 towns that have only one physical banking lo

in closing ncua provides committed to streamlining examinations. we also stand ready to work with congress on related legislative proposals. i look forward to your questions. >> ms. franks. >> good morning, chairman shelby ranking member brown and distinguished members of the committee. my name is candace franks and i serve as bank commissioner of the arkansas state bank department. i'm chairman of the conference of state bank supervisors. it is my pleasure to testify today on behalf of csbs. i would like to thank congress and this committee for your focus on community banks. in my 35 years as a state regulator i have seen firsthand the positive local impact of community banks. these banks are critical to providing access to credit and urban as well as rural areas and they are important to building and maintaining consumer confidence in our financial system. one out of every five u.s. counties has no physical banking offices except those operated by community banks. in my home state of arkansas a very rural state, there are 96 towns that have only