CMS Case Study

8/17/22, 10:57 AM

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

Non Int Inc, Exp, Yields 08/17/2022 10:52:52 AM

FDIC Certificate # OCC Charter # 0 Public Report Percent of Average Assets  Personnel Expense  Occupancy Expense

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Noninterest Income, Expenses and Yields--Page 3

12/31/2021

12/31/2020

12/31/2019

12/31/2018

12/31/2017

BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT

1.18 0.19 0.92 2.28 1.62

1.42 0.26 0.72 2.42 1.68

27 24 80 43 43 61 26 66 57 58 43 39 49 61 72 43 50 83 58 77 64 91 26 49 60 16 74

1.32 0.24 0.93 2.49 2.02

1.53 0.29 0.76 2.60 1.81

31 35 76 44 65 70 28 54 54 54 75 71 68 14 75 68 73 94 71 76 54 47 26 49 47 21 90

1.58 0.29 0.96 2.83 1.97

1.64 0.32 0.83 2.80 2.04

45 43 71 53 44 52 33 46 63 63 62 70 50 42 81 78 81 93 79 67 78 80 41 52 56 37 86

1.54 0.32 1.04 2.90 2.23

1.62 0.32 0.84 2.81 2.05

44 52 76 58 63 76 22 40 62 62 64 72 47 48 74 77 80 90 75 71 73 41 52 60 65 47 90

1.59 0.27 1.06 2.92 2.30

1.60 0.33 0.85 2.80 2.03

50 35 79 61 70 64 16 26 63 64 66 72 52 44 74 80 81 81 68 76 81 68 45 55 56 40 87

 Other Oper Exp (Incl Intangibles)   Total Overhead Expense   Overhead Less Nonint Inc Other Income & Expense Ratios:   Efficiency Ratio   Avg Personnel Exp Per Empl($000)   Assets Per Employee ($Million)

64.76 61.70 75.00 90.09

68.05 62.70 73.97 88.17

65.13 63.95 73.53 84.50

71.01 63.60 66.70 81.16

68.52 62.12 4.07

64.31 78.73 5.27

7.37

6.83

6.10

6.34

4.95

5.57

4.64

5.38

Yield on or Cost of:   Total Loan & Leases (TE)  Loans in Domestic Offices

5.16 5.16 4.70 4.62 4.76 6.63 7.22 1.72 1.64 1.85 1.47 2.61 0.22 0.24 0.26 0.15 0.22 0.57 5.64

5.09 5.08 4.82 4.91 4.81 6.27 6.29 1.82 1.67 1.22 1.42 2.21 0.25 0.07 0.41 0.19 0.21 0.91 5.02

5.18 5.17 5.49 5.70 5.36 3.83 7.76 2.54 2.38 3.19 2.16 2.88 0.46 0.35 0.52 0.24 0.31 1.29 6.70

5.14 5.13 5.13 5.21 5.12 5.12 6.54 2.33 2.15 1.80 1.94 2.52 0.53 0.39 0.77 0.29 0.37 1.57 5.34

5.58 5.58 5.45 5.74 5.28 5.66 8.35 3.06 2.87 3.11 2.79 3.03 2.33 2.39 0.95 0.45 0.66 1.76 6.87

5.45 5.44 5.32 5.37 5.34 5.93 6.72 2.71 2.52 2.23 2.48 2.77 2.10 1.92 1.09 0.53 0.67 1.86 5.90

5.36 5.36 5.23 5.57 5.04 5.45 7.53 2.94 2.73 2.77 2.57 3.06 1.98 1.84 0.77 0.42 0.56 1.32 6.76

5.24 5.23 5.11 5.17 5.12 5.68 6.47 2.55 2.36 1.97 2.36 2.69 1.81 1.74 0.78 0.41 0.48 1.32 5.61

5.17 5.17 5.10 5.38 4.93 5.05 7.50 N/A 6.28 N/A 3.12 2.56 2.17 2.22 3.12 1.31 1.15 0.49 0.25 0.31 0.92 N/A 0.96 N/A N/A 1.82 0.55

5.01 5.00 4.92 4.97 4.94 5.31 6.36 2.50 2.16 1.66 2.10 2.61 1.09 0.97 0.55 0.27 0.31 0.98 5.27

 Real Estate

 Secured by 1-4 Fam Resi Prop   All Other Loans Sec Real Estate

 Commercial & Industrial

 Individual

 Credit Card

N/A 8.23 N/A

N/A 9.52 N/A

N/A 8.36 N/A

N/A 8.42 N/A

8.38 N/A

  Agricultural

    Loans in Foreign Offices   Total Investment Securities (TE)   Total Investment Securities (Book)   US Treas & Agency (Excl MBS)   Mortgage Backed Securities   Interest-Bearing Bank Balances   Federal Funds Sold & Resales   Total Interest Bearing Deposits   All Other Securities

N/A 3.37 N/A

N/A 4.13 N/A

N/A 4.81 N/A

N/A 4.63 N/A

4.33 N/A

  Transaction accounts   Other Savings Deposits

  Time Deposits

  Foreign Office Deposits

N/A 0.22 N/A

N/A 0.15 N/A

N/A 1.82 N/A

N/A 2.07 N/A

0.91 N/A

  Federal Funds Purchased & Repos   Other Borrowed Money   Subord Notes & Debentures   Other Interest Expense   All Interest-Bearing Funds

0.54

0.18

84

0.62

0.47

68

1.05

1.31

46

1.47

1.19

57

0.66

66

N/A 1.28 N/A N/A 4.95 N/A

N/A 1.31 N/A N/A 5.67 N/A

N/A 2.21 N/A N/A 6.86 N/A

N/A 2.00 N/A N/A 6.68 N/A

1.54 N/A 5.63 N/A

0.72 0.29

1.43 0.45

27 27

0.78 0.53

1.38 0.80

28 25

1.50 0.95

2.36 1.14

9

3.91 0.80

2.15 0.84

94 49

1.56 0.60

66 47

37

 Memo: Interest on Time Dep Over Ins Limit

0.67

0.96

26

1.71

1.65

53

2.05

2.02

47

1.58

1.47

58

0.97

1.08

39

Non-interest Income & Expenses   Fiduciary Activities   Deposit Service Charges   Trading, Vent Cap, Securtz Inc   Inv Banking, Advisory Inc   Insurance Comm & Fees   Loan & Lse Net Gains/Loss   Other Net Gains/Losses   Other Non-interest Income    Non-interest Income   Net Servicing Fees

0

0

0

0

0

1,113

1,154

1,443

1,419

1,397

N/A 140

N/A 104

N/A

N/A 106

0

97

72 17

0 0 0

2 0 0

5 0 0

13

0 0

0 0

22

31

189

19

-254 1,461 2,693 6,895 1,180

4,232 5,507 9,825 1,569

1,832 3,123 8,729 1,565

2,786 4,520 8,309 1,507

1,692 3,249 7,470 1,545

 Personnel Expense  Occupancy Expense  Goodwill Impairment

0

0

0

0

0

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