TAILIEUCHUNG - HONORABLE CANDACE A. FRANKS BANK COMMISSIONER STATE OF ARKANSAS

A key component of the strategy is the CGA, a country-level gender analysis that identifies critical areas in which gender-respon- sive actions are likely to enhance growth, poverty reduction, and well-being in a particular country context. Country Directors will ensure the completion of these assessments in a timely manner in countries with an active lending program (and in which an assess- ment has yet to be conducted). In line with the ongoing reform of the Bank’s analytical work, the methods for carrying out these assess- ments will be flexible. The country gender analysis may, for example, be a stand-alone document or a section of a country poverty or eco- nomic. | SELF-EXAMINATION PROGRAM FOR COMMERCIAL BANKS HONORABLE CANDACE A. FRANKS BANK COMMISSIONER STATE OF ARKANSAS First Edition March 1986 Second Edition January 1987 Third Edition January 1990 Fourth Edition July 1992 Fifth Edition September 1994 Sixth Edition August 1997 Seventh Edition August 2000 Eighth Edition May 2004 Ninth Edition January 2008 PROPERTY OF ARKANSAS STATE BANK DEPARTMENT REPRODUCE BY PERMISSION ONLY Revised June 30 2012 Revised June 2012 Page 1 Self-Examination Program For Commercial Banks CONTENTS The Self-Examination Program 1 Revised June 2012 Page 2 The Ratios and Performance Return on Average Return on Average Net Interest Non-Interest Expense Overhead Expense Average Non-Interest Income Average Average Collection of Interest Days .7 Loan and Lease Investment Securities Yield Book .8 Cost of Funds Total .8 Interest Expense on Interest Expense on Borrowed Break-even Efficiency .10 Earning Assets Total Assets - Intangible Assets .10 Average Assets Per Employee Million .10 Net Income Per Employee Thousand .10 Efficiency Risk - Asset Equity Capital Average Reserve for Loan Losses Total Reserve for Loan Losses Non-Performing Loans X .13 Overdue Loans Total Ninety-Day Overdue Loans Total Nonaccrual Loans Total Problem Assets Liquidity - Asset Liability Income Statement Net Loans Total Net Loans Total Deposits and All Other Other Borrowed Money Total Dependency Deposit Growth Asset Growth Capital Growth Other Performance Provision for Loan Loans Charged Revised June 2012 Page

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