CMS Case Study

8/17/22, 10:57 AM FDIC Certificate # OCC Charter # 0 Public Report

Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Summary Ratios--Page 1

Summary Ratios

08/17/2022 10:52:52 AM

12/31/2021

12/31/2020

12/31/2019

12/31/2018

12/31/2017

Earnings and Profitability Percent of Average Assets:  Interest Income (TE) Net Interest Income (TE) + Noninterest Income - Noninterest Expense - Interest Expense

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

3.13 0.27 2.86 0.66 2.28 1.24 0.22 1.02 0.00 0.00 1.02 0.90 1.09 0.00 0.90 0.90

3.52 23 0.30 45 3.21 25 0.70 55 2.42 43 1.53 28 0.07 89 1.45 19 0.01 59 0.00 87 1.47 18 1.23 24 1.28 34 0.00 98 1.15 26 1.23 24

3.67 0.49 3.19 0.47 2.49 1.17 0.18 0.99 0.01 0.00 1.00 0.91 1.07 0.00 0.91 0.91

3.94 31 0.56 41 3.36 35 0.74 34 2.60 44 1.56 23 0.21 46 1.33 24 0.02 61 0.00 90 1.37 23 1.15 31 1.31 32 0.00 99 1.06 34 1.14 31

4.34 0.86 3.48 0.86 2.83 1.51 0.28 1.23 0.00 1.23 1.14 1.39 0.00 1.14 1.14

4.46 0.83 3.62 0.71 2.80 1.58 0.12 1.45 0.01 1.47 1.22 1.27 0.00 1.15 1.22

41 54 39 68 53 46 87 33 59 31 44 61 98 49 44 98 54 58 50 50 66 69 68 70 76 50 48 7

4.14 0.73 3.41 0.67 2.90 1.18 0.11 1.07 0.00 1.07 0.99 1.06 0.00 0.99 0.99

4.27 0.61 3.65 0.71 2.81 1.60 0.11 1.47 0.00 1.47 1.22 1.28 0.00 1.14 1.22

40 66 31 52 58 20 57 20 74 20 30 31 98 34 30 98 53 69 42 58 49 42 56 43 64 16 15 30 38 36 68 14 87 74 58 29 32 8 75 24

4.14 0.50 3.64 0.62 2.92 1.34 0.27 1.07 0.01 1.08 0.80 0.89 0.00 0.80 0.80

4.04 0.44 3.59 0.72 2.80 1.56 0.11 1.45 0.00 1.46 1.03 1.06 0.00 0.90 1.03

57 63 55 47 61 34 87 23 81 23 34 38 98 38 34 99 72 66 68 84 17 39 18 40 52 49 43 44 39 73 27 39 74 91 65 90 62 6 79 34

Pre-Provision Net Revenue (TE) - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets  Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

Net Operating Income

 Adjusted Net Operating Income Net Inc Attrib to Min Ints Net Income Adjusted Sub S

Net Income

Margin Analysis:   Avg Earning Assets to Avg Assets   Avg Int-Bearing Funds to Avg Assets   Int Inc (TE) to Avg Earn Assets   Int Expense to Avg Earn Assets   Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis:   Net Loss to Average Total LN&LS   Earnings Coverage of Net Losses (X)   LN&LS Allowance to LN&LS Not HFS   LN&LS Allowance to Net Losses (X)   LN&LS Allowance to Total LN&LS   Total LN&LS-90+ Days Past Due

94.72 94.89 44 93.48 68.17 99

92.13 94.64 16 91.74 71.26 98

90.92 94.67 90.06 73.92

91.18 94.81 90.49 74.01

90.11 94.55 91.45 74.25

3.31 0.28 3.02

3.73 23 0.32 45 3.39 25

3.99 0.53 3.46

4.17 38 0.59 43 3.56 41

4.78 0.95 3.83

4.71 0.88 3.83

4.54 0.80 3.74

4.51 0.64 3.86

4.59 0.56 4.04

4.28 0.46 3.81

0.06

0.03 75

0.03

0.08 47

0.05

0.10

0.07

0.09

0.29

0.10

43.77 167.88 43

69.87 82.90 69

47.09 57.83

24.42 63.03

6.40 47.89

1.77

1.42 79

1.48

1.38 65

1.40

1.25

1.14

1.25

1.13

1.26

33.04 89.61 49

56.65 47.74 74

30.54 32.18

16.49 34.69

4.10 27.18

1.77 0.06 0.24 0.30

1.41 79 0.02 82 0.41 47 0.46 49

1.48 0.01 0.35 0.36

1.36 66 0.04 64 0.56 46 0.63 41

1.39 0.07 0.46 0.52

1.24 0.05 0.58 0.66

1.14 0.02 0.06 0.08

1.25 0.04 0.55 0.62

1.13 0.00 0.43 0.44

1.25 0.05 0.58 0.66

-Nonaccrual

-Total

Liquidity  Net Non Core Fund Dep New $250M  Net Loans & Leases to Assets

7.13

-7.91 84

-5.52

-3.83 42

9.79

3.22

70 28

13.22

5.20

16.43

6.57

44.08 58.91 15

56.23 64.51 26

63.27 69.34

61.45 69.86

65.27 69.11

Capitalization   Leverage Ratio   Total Capital Ratio

9.3859

9.81 44

9.0029

9.99 31

9.8657 10.76

34

9.5851 10.65

9.8629 10.32 13.7959 15.34 65.23 40.42

17.6815 16.10 70 15.6632 15.84 55 14.8842 15.85

47 13.9882 15.53

  Cash Dividends to Net Income   Retained Earnings to Avg Total Equity   Rest+Nonac+RE Acq to Eqcap+ALLL

4.84 34.74 16

20.90 35.93 30

1.67 39.65

17 91 31

25.76 37.12

9.49 2.09

7.27 71 3.96 38

7.70 2.22

6.21 67 5.52 29

11.39 2.98

5.90 6.35

8.06 1.07

6.38 6.96

2.90 4.71

4.99 7.92

Growth Rates   Total Assets   Tier 1 Capital

34.03 12.26 95 38.43 10.43 95

28.63 19.34 82

7.72 12.24 10.90

6.97 8.13 6.07

62 79 77 37 52

14.94 10.65 8.20

5.62 8.06 7.48

9.14 18.19 9.86

6.00 6.89 8.01

16.17

8.67 85

  Net Loans & Leases   Short Term Investments   Short Term Non Core Funding

5.06

3.18 61

14.33 11.70 64 463.45 109.39 92

-67.57 25.50

4

9.53 51.21 6.59 11.67

-16.68 23.30

152.52 21.46 26.21 20.88

-37.01

-2.92 19

-18.48

6.50 31

-16.98

8.94

Average Total Assets Total Equity Capital

835,779 85,662

659,155 66,446

527,008 55,923

483,535 46,920

433,317 43,313

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