CMS Case Study

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

FFIEC 051 Report Date 12/31/2021

31

Schedule RC-L - Off-Balance Sheet Items(FormType - 051) Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk. Dollar amounts in thousands 1. 1. Unused commitments: 1.a. 25,527 RCON3814 a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home equity lines.......................... 1.b. 0 RCON3815 b. Credit card lines................................................................................................................................................... 1.c. c. Commitments to fund commercial real estate, construction, and land development loans: 1.c.1. 1. Secured by real estate: 1.c.1.a. 9,866 RCONF164 a. 1-4 family residential construction loan commitments........................................................................... 1.c.1.b. 26,633 RCONF165 b. Commercial real estate, other construction loan, and land development loan commitments................ 1.c.2. 0 RCON6550 2. NOT secured by real estate.......................................................................................................................... 1.d. d. Not applicable 1.e. e. Other unused commitments: 1.e.1. 29,822 RCONJ457 1. Commercial and industrial loans................................................................................................................... 1.e.2. 0 RCONJ458 2. Loans to financial institutions........................................................................................................................ 1.e.3. 10,076 RCONJ459 3. All other unused commitments...................................................................................................................... 2. 60 RCON3819 2. Financial standby letters of credit................................................................................................................................ 3. 804 RCON3821 3. Performance standby letters of credit.......................................................................................................................... 4. 1,027 RCON3411 4. Commercial and similar letters of credit...................................................................................................................... 5. 5. Not applicable 6. 6. Securities lent and borrowed: 6.a. 0 RCON3433 a. Securities lent (including customers' securities lent where the customer is indemnified against loss by the reporting bank).........................................................................................................................................................

6.b. 0

RCON3432

b. Securities borrowed..............................................................................................................................................

Dollar amounts in thousands

7.

7. Not applicable