CMS Case Study

8/17/22, 10:57 AM

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

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Income Statement $--Page 2

Income Statement $ 08/17/2022 10:52:52 AM

Percent Change

12/31/2021

12/31/2020

12/31/2019

12/31/2018

12/31/2017

1 Year

Interest and Fees on Loans Income From Lease Financing

20,866

20,293

18,445

16,151

14,771

2.82 N/A

0

0

0

0

0

  Tax-Exempt

11

27

44 12

49 13

45 23

-59.26 -59.26

  Estimated Tax Benefit

3

7

 Income on Loans & Leases (TE)

20,869

20,300

18,457

16,164

14,794

2.80

US Treas & Agency (Excl MBS) Mortgage Backed Securities

289

183

231

143

100

57.92 65.33 -6.17 4.58 -6.17 43.71 -41.72 -28.13

3,548

2,146

2,474

1,915

1,203

  Estimated Tax Benefit All Other Securities

214

228 961 859

240

243

528

1,005

1,026

1,054

1,149 1,024 2,980

  Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales

806

904

916

5,056

3,518

3,971

3,355

176

302

396

230 240 N/A

97

23

32

21

5

Trading Account Income Other Interest Income

N/A

N/A

N/A

N/A

N/A

45

56

38

35

59

-19.64

  Total Interest Income (TE)

26,169

24,209

22,883

20,025

17,935

8.10

Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures

N/A

N/A

N/A

N/A

N/A

N/A

1,929

2,931

4,334

3,299

1,822

-34.19 18.03

144 N/A N/A 169

122 N/A N/A 144

103 N/A N/A

89

47

N/A N/A 129

N/A N/A 299

N/A N/A

Other Interest Expense

93

17.36

  Total Interest Expense

2,242

3,197

4,530

3,517

2,168

-29.87

  Net Interest Income (TE) Non-interest Income

23,927 5,507 29,434 19,063 10,371 1,836

21,012 3,123 24,135 16,423 7,712 1,161

18,353 4,520 22,873 14,898 7,975 1,479

16,508 3,249 19,757 14,030 5,727

15,767 2,693 18,460 12,648 5,812 1,180

13.88 76.34 21.96 16.08 34.49 58.14

  Adjusted Operating Income (TE)

Non-Interest Expense

  Pre-Provision Net Revenue (TE) Provision: Loan & Lease Losses Provision: Credit Losses Other Assets  Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities  Pretax Net Operating Inc (TE)

550 N/A

N/A

N/A

N/A

N/A

N/A

8,535

6,551

6,496

5,177

4,632

30.30

0 1 0

0

0

0 0

0

N/A

65

10

54

-98.46

0

N/A

N/A

N/A

N/A

8,536

6,616

6,506

5,177

4,686

29.03

Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments   Applicable Income Taxes (TE)

833 217

374 236

248 252

142 257

649 551

122.73 -7.79

0

0

0

0

0

N/A

1,050

610

500

399

1,200

72.30

 Net Operating Income

7,486

6,006

6,006

4,778

3,486

24.64

Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests

0 0

0 0

0 0

0 0

0 0

N/A N/A

 Net Income

7,486

6,006

6,006

4,778

3,486

24.64

Cash Dividends Declared

362

1,255

100

1,231

2,274

-71.16

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