CMS Case Study

CLOYD BANK & TRUST RSSD-ID Last Updated on 3/30/2022

FFIEC 051 Report Date 12/31/2021

12

Schedule RI-C - Disaggregated Data on the Allowance for Loan and Lease Losses(Form Type - 051) Items 1 through 6 are to be completed semiannually in the June and December reports only by institutions with $1 billion or more in total assets. The $1 billion asset size test is based on the total assets reported on the June 30, 2018, Report of Condition.

(Column A) Recorded Investment

(Column B) Allowance Balance

Dollar amounts in thousands

1.

1. Real estate loans:

NR NR NR NR NR NR

1.a. NR 1.b. NR 1.c. NR

RCONJJ04

RCONJJ12

a. Construction loans..........................................................................................................

RCONJJ05

RCONJJ13

b. Commercial real estate loans.........................................................................................

RCONJJ06

RCONJJ14

c. Residential real estate loans........................................................................................... 2. Commercial loans 3 ................................................................................................................

2. NR 3. NR 4. NR 5. NR 6. NR

RCONJJ07

RCONJJ15

RCONJJ08

RCONJJ16

3. Credit cards...........................................................................................................................

RCONJJ09

RCONJJ17

4. Other consumer loans...........................................................................................................

RCONJJ18

5. Unallocated, if any................................................................................................................. 6. Total (sum of items 1.a through 5) 4 ........................................................................................

NR

RCONJJ11

RCONJJ19

Dollar amounts in thousands

Items 7 through 11 are to be completed semiannually in the June and December reports only by institutions with $l billion or more in total assets. 7. Securities issued by states and political subdivisions in the U.S.................................................................................

7. NR

RCONJJ20

8. NR 9. NR 10. NR 11. NR

RCONJJ21

8. Mortgage-backed securities (MBS) (including CMOs, REMICs, and stripped MBS)..................................................

RCONJJ23

9. Asset-backed securities and structured financial products..........................................................................................

RCONJJ24

10. Other debt securities................................................................................................................................................. 11. Total (sum of items 7 through 10) 6 .............................................................................................................................

RCONJJ25

3. Include all loans and leases not reported s real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 of Schedule RI-C. 4. Item 6, column B, must equal Schedule RC, item 4.c. 6. Item 11 must equal Schedule RI-B, Part II, item 7, column B.