CMS Case Study

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

FFIEC 051 Report Date 12/31/2021

57

Schedule SU - Supplemental Information(FormType - 051) Dollar amounts in thousands

1. No

RCONFT00

1. Does the institution have any derivative contracts?.....................................................................................................

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

RCONA126

a. Total gross notional amount of interest rate derivatives held for trading...............................................................

RCONFT01

b. Total gross notional amount of all other derivatives held for trading.....................................................................

RCON8725

c. Total gross notional amount of interest rate derivatives not held for trading.........................................................

RCONFT02

d. Total gross notional amount of all other derivatives not held for trading............................................................... 2. For each of the two calendar quarters preceding the current calendar quarter, did the institution meet one or both of the following mortgage banking activity thresholds: (1) Sales of 1-4 family residential mortgage loans during the calendar quarter exceeded $10 million, or (2) 1-4 family residential mortgage loans held for sale or trading as of calendar quarter-end exceeded $10 million?.................................................................................................................................

2. No

RCONFT03

2.a. NR 2.b. NR

RCONFT04

a. Principal amount of 1-4 family residential mortgage loans sold during the quarter.............................................

RCONFT05

b. Quarter-end amount of 1-4 family residential mortgage loans held for sale or trading........................................

3. No

RCONFT06

3. Does the institution use the fair value option to measure any of its assets or liabilities?............................................

3.a. NR 3.b. NR 3.c. NR 3.d. NR

RCONHK18

a. Aggregate amount of fair value option assets......................................................................................................

RCONHK19

b. Aggregate amount of fair value option liabilities...................................................................................................

RIADF551

c. Year-to-date net gains (losses) recognized in earnings on fair value option assets.............................................

RIADF553

d.Year-to-date net gains (losses) recognized in earnings on fair value option liabilities.......................................... 4. Does the institution have any assets it has sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements?............................................................................................................................ a. Total outstanding principal balance of assets sold and securitized by the reporting institution with servicing retained or with recourse or other seller-provided credit enhancement................................................................... 5. Does the institution have any assets it has sold with recourse or other seller-provided credit enhancements but has not securitized?............................................................................................................................................................... a.Total outstanding principal balance of assets sold by the reporting institution with recourse or other seller-provided credit enhancements, but not securitized by the reporting institution...................................................................... 6. Does the institution service any closed-end 1-4 family residential mortgage loans for others or does it service more than $10 million of other financial assets for others?...................................................................................................... a.Total outstanding principal balance of closed-end 1-4 family residential mortgage loans serviced for others plus the total outstanding principal balance of other financial assets serviced for others if more than $10 million......... 7. Does the institution have any consolidated variable interest entities?......................................................................... a. Total assets of consolidated variable interest entities 1 ......................................................................................... b. Total liabilities of consolidated variable interest entities........................................................................................ 8. Does the institution, together with affiliated institutions, have outstanding credit card receivables that exceed $500 million as of the report date or is the institution a credit card specialty bank as defined for Uniform Bank Performance Report purposes?............................................................................................................................................................ a. Outstanding credit card fees and finance charges included in credit cards to individuals for household, family, and other personal expenditures (retail credit cards)............................................................................................... b. Separate valuation allowance for uncollectible retail credit card fees and finance charges................................. c. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges 1 ........

4. No

RCONFT07

4.a. NR

RCONFT08

5. No

RCONFT09

5.a. NR

RCONFT10

6. No

RCONFT11

6.a. NR

RCONFT12

7. No

RCONFT13

7.a. NR 7.b. NR

RCONFT14

RCONFT15

8. No

RCONFT16

8.a. NR

RCONC391

8.b. NR 8.c. NR 8.d. NR

RIADC389

RIADC390

RIADC388

d. Uncollectible retail credit card fees and finance charges reversed against year-to-date income.........................

9. No

RCONFT17

9. Does the institution have assets covered by FDIC loss-sharing agreements?............................................................

9.a. NR

RCONFT18

a. Loans and leases covered by FDIC loss-sharing agreements.............................................................................

9.b.

b. Past due and nonaccrual loans and leases covered by FDIC loss-sharing agreements:

9.b.1. NR 9.b.2. NR 9.b.3. NR 9.c.1. NR 9.c.2. NR 9.c.3. NR 9.d. NR 9.e. NR 9.c.

RCONFT19

1. Past due 30 through 89 days and still accruing............................................................................................

RCONFT20

2. Past due 90 days and still accruing...............................................................................................................

RCONFT21

3. Nonaccrual....................................................................................................................................................

c. Portion of past due and nonaccrual covered loans and leases that is protected by FDIC loss-sharing agreements:

RCONK102

1. Past due 30 through 89 days and still accruing............................................................................................

RCONK103

2. Past due 90 days and still accruing...............................................................................................................

RCONK104

3. Nonaccrual....................................................................................................................................................

RCONFT22

d. Other real estate owned covered by FDIC loss-sharing agreements............................................................

RCONK192

e. Portion of covered other real estate owned that is protected by FDIC loss-sharing agreements.................

1. Institutions that have adopted ASU 2016-13 should report assets net of any applicable allowance for credit losses. 1. Institutions that have adopted ASU 2016-13 should report in item 8.c the amount of allowance for credit losses on loans and leases attributable to retail credit card fees and finance charges.