CMS Case Study

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

FFIEC 051 Report Date 12/31/2021

27

Dollar amounts in thousands

Memorandum items 6 and 7 are to be completed annually in the December report only by institutions with $1 billion or more in total assets that answered "Yes" to Memorandum 5 above. The $1 billion asset size test is based on the total assets reported on the June 30, 2018, Report of Condition. 6. Components of total transaction account deposits of individuals, partnerships, and corporations (sum of Memorandum items 6.a and 6.b must be less than or equal to Schedule RC-E, item 1, column A): a.Total deposits in those noninterest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use..................................................................................................................... b. Total deposits in those interest-bearing transaction account deposit products intended primarily for individuals for personal, household, or family use..................................................................................................................... 7. Components of total nontransaction account deposits of individuals, partnerships, and corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time deposits of individuals, partnerships, and corporations must equal Schedule RC-E, item 1, column C): a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations (sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Schedule RC-E, Memorandum item 2.a.(1) above): 1. Total deposits in those MMDA deposit products intended primarily for individuals for personal, household, or family use...................................................................................................................................................... 2. Deposits in all other MMDAs of individuals, partnerships, and corporations................................................ b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of Memorandum s 7.b.(1) and 7.b.(2) must be less than or equal to Schedule RC-E, Memorandum item 2.a.(2) above): 1. Total deposits in those other savings deposit account deposit products intended primarily for individuals for personal, household, or family use..............................................................................................................

M.6.

M.6.a. NR

RCONP753

M.6.b. NR

RCONP754

M.7.

M.7.a.

M.7.a.1. NR

RCONP756

M.7.a.2. NR

RCONP757

M.7.b.

M.7.b.1. NR

RCONP758

M.7.b.2. NR

RCONP759

2. Deposits in all other savings deposit accounts of individuals, partnerships, and corporations.....................