CMS Case Study

8/17/22, 10:57 AM

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

Balance Sheet $

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet $--Page 4

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 Quarter

1 Year

Assets:   Real Estate Loans   Commercial Loans   Individual Loans   Agricultural Loans   Other Loans & Leases  LN&LS Allowance  Unearned Income       Net Loans & Leases

323,976 92,930 10,555

298,920 95,524 10,419

280,067 60,444 11,533

244,656 58,440 12,733

230,549 48,760 12,561

7.57 9.30 -0.59 -17.66 -5.32

8.38 -2.72 1.31 -8.51 -7.89 26.46

4,065 1,424 7,666

4,443 1,546 6,062

4,692 2,339 5,008

4,524 2,593 3,693

3,699 2,856 3,368

0.27 N/A 7.50 0.86 N/A

0

0

0

0

0

N/A 5.06

425,284 361,469 42,457

404,790 113,880 35,817

354,067 102,528 34,027

319,254 100,256 32,449

295,057 54,121 33,755

  U.S. Treasury & Agency Securities   Municipal Securities   Foreign Debt Securities   All Other Securities     HTM Securities Allowance   Interest-Bearing Bank Balances   Federal Funds Sold & Resales   Trading Account Assets   Nonint Cash & Due From Banks   Premises, Fix Assts, Cap Leases   Other Real Estate Owned   Dir & Indir Inv RE Ventures   Inv in Unconsolidated Subs   Acceptances & Oth Assets   Total Investments   Total Earning Assets

12.70 217.41

18.54

0

0

0

0

0

N/A

39,724

300 N/A

300 N/A

1,367

1,851

15.43 13,141.33

N/A

N/A

N/A

N/A

N/A

34,389

101,330

17,693

16,259

19,773

-4.33 -66.06 -98.99 -98.99

100

9,880

880

880

0 0

0

0

0

0

N/A 7.92 7.72

N/A

478,139 903,423 7,413 18,929

261,207 665,997 7,448 16,762

155,428 509,495 7,615 17,039

151,211 470,465 7,309 17,663

109,500 404,557 6,295 18,244

83.05 35.65 -0.47 12.93

-11.47 8.72 N/A -1.86 11.11 7.58 9.95 N/A 17.52 6.27 -2.40 N/A 6.07 N/A N/A 5.83 9.42 N/A N/A N/A N/A 75.00 16.08 7.69 6.55 7.58

0

0

0

0

281

N/A

6,541

7,063

7,575

6,698

5,810

-7.39

0

0

0

0

0

N/A

28,551 964,857 927,871

22,600 719,870 698,795

17,930 559,654 548,931

17,434 519,569 503,398

16,852 452,039 442,110

26.33 34.03 32.78

    Total Assets

  Average Assets During Quarter

Liabilities:   Demand Deposits

68,959 26,866 112,919 501,286 67,004

30,281 34,158 77,864 353,123 72,294

29,310 22,264 46,384 249,839 84,100

26,436 20,073 44,586 221,634 78,999

26,342 275,736.00 127.73

  All Now & ATS Accounts   Money Market Deposit Accounts

18,648 14,693 195,711 96,957 32,255 320,096 32,255 36,838 389,190 3,620 12,000 N/A

-72.03 -21.35

45.02 41.96 -7.32

  Other savings Deposits

  Time Deps At Or Below Insurance Limit   Less: Fully Insured Brokered Deposits   Fully Insured Brokered Deposits   Time Deps Above Insurance Limit   Deposits in Foreign Offices   Federal Funds Purch & Resale   Fed Home Loan Bor Mat < 1 Year   Fed Home Loan Bor Mat > 1 Year   Oth Borrowing Mat < 1 Year   Oth Borrowing Mat > 1 Year   Subordinated Notes & Debentures   Acceptances & Other Liabilities     Total Liabilities (Incl Mortg)   Total Bank Capital & Min Int     Core Deposits     Total Deposits

0

0

0

0

N/A

777,034

567,720

431,897

391,728

36.87

0

0

0

0

N/A

33,660

39,360

44,704

46,532

0.51 -14.48

N/A

N/A

N/A

N/A

N/A

810,695 29,465

607,080 21,996

476,600 13,105 10,000

438,259 31,406

33.54 33.96

0

0

0 0 0 0 0

N/A

35,000

20,000

0 0 0 0

0 0 0 0

75.00

0 0 0

0 0 0

N/A N/A N/A

4,035

4,348

4,026

2,984

3,916

-7.20 34.55 28.92 34.03

879,195 85,662 964,857

653,424 66,446 719,870

503,731 55,923 559,654

472,649 46,920 519,569

408,726 43,313 452,039

  Total Liabilities & Capital

Memoranda:  Officers, Shareholder Loans (#)  Officers, Shareholder Loans ($)  Held-to-Maturity Securities

7

6

5

5

4

29,217

28,274

24,776

24,256

16,935

4.69 N/A

3.34 N/A

0

0

0

0

0

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