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 Percent of Average Assets  Loans Held For Sale  Loans Not Held For Sale  Less: LN&LS Allowance    Net Loans & Leases

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet Percentage Composition--Page 6

Balance Sheet %

08/17/2022 10:52:52 AM

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

0.13 48.48 0.80 47.81

0.15 61.16 0.84 60.95 10.45 0.79 0.02 0.42 18.53 0.00

67 18 47 17 51 73 97 66 84 80 27 79 40 99 90 61 69 30 39 35 94 26 62 42 62 57 93 76 79 62 99 37 74 31 46 1

0.18 59.67 0.85 59.00

0.23 67.35 0.86 67.21

66 25 50 24 66 75 97 66 71 81 43 85 31 99 89 53 81 18 10 33 31 90 34 56 45 56 68 92 65 68 70 98 49 72 41 69

0.10 63.06 0.77 62.39

0.13 69.96 0.86 69.60

66 27 39 26 38 59 96 64

0.03 63.04 0.74 62.32

0.11 69.89 0.87 69.47

54 27 32 27 42 91 96 62

0.03 65.62 0.72 64.93

0.14 68.69 0.87 68.41

52 35 29 35 43 61 96 62

  Interest-Bearing Bank Balances   Federal Funds Sold & Resales   Trading Account Assets   Held-to-Maturity Securities     HTM Securities Allowance   Available-for-Sale Securities   Marketable Equity Sec at FV   Nonint Cash & Due From Banks   Premises, Fix Assts & Cap Leases   Other Real Estate Owned   Dir & Indir Inv RE Ventures   Inv in Unconsolidated Subs   Acceptances & Other Assets   Total Non-Earning Assets   Total Earning Assets

9.45 0.94 0.00 0.00 N/A

9.91 1.33 0.00 0.00 N/A

7.84 0.73 0.01 0.39

3.11 0.17 0.00 0.00 N/A

5.18 0.54 0.01 0.51

2.72 2.04 0.00 0.00 N/A

4.48 0.35 0.01 0.66

2.94 0.10 0.00 0.00 N/A

4.47 0.30 0.01 0.76

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

34.95 0.00

21.79 0.00

15.30 0.01

25.00

15.19

78

22.87

16.06

71

21.79

16.99

67

N/A

0.03 N/A

N/A

0.01 N/A

N/A

0.00 N/A

93.16

94.16

92.03

93.82

90.66

93.43

12

89.95

93.35

8

89.77

93.23

8

1.00 2.07 0.00 0.81 0.00 2.96 6.84

1.56 1.41 0.04 0.01 0.00 2.57 5.84

1.36 2.58 0.00 1.13 0.00 2.90 7.97

1.57 1.55 0.07 0.01 0.00 2.74 6.19

1.40 3.27 0.00 1.41 0.00 3.25 9.34

1.59 1.67 0.10 0.01 0.00 2.95 6.58

41 91 26 99 89 57 87

1.50 3.73 0.04 1.24 0.00 3.54

1.59 1.64 0.12 0.01 0.00 3.03 6.65

47 95 49 99 89 63 91

1.58 3.80 0.08 1.21 0.00 3.57

1.66 1.64 0.15 0.01 0.00 3.02 6.77

50 95 53 99 88 64 91 99 18 42 90 51 74 26 74 86 5 75 65 85 82 98 72 68 31 94 71 76 76 47

10.05

10.23

  Total Assets

100.00 100.00

99 100.00 100.00

92 100.00 100.00

92 100.00 100.00

94 100.00 100.00

 Standby Letters of Credit

0.13

0.20

0.31

0.23

0.43

0.26

74

0.43

0.28

72

0.47

0.28

Liabilities   Demand Deposits

2.41 7.71 11.24 51.03 8.29 0.00 80.69 0.00 4.22

22.07 10.60 16.09 14.46 13.15 0.66 80.78 0.66 4.14

5.10 4.17

17.67 8.57 15.85 15.59 16.27 0.99 77.67 0.99 5.01

5.31 4.10 8.51

14.09 7.78 16.53 17.36 18.05 1.34 76.74 1.34 5.45

19 39 24 88 42 59 49 59 78 89 41 81 71 98 52 73 59

5.53 4.21 7.08

13.97 7.88 17.33 17.83 17.61 1.82 76.98 1.82 4.79

21 39 15 88 50 64 43 64 85 85 40 86 71 98 61 78 65

4.92 4.48 3.29

13.65 7.89 17.84 17.60 18.00 2.29 76.65 2.29 4.44

  All NOW & ATS Accounts   Money Market Deposit Accounts   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     Core Deposits

10.00 46.33 12.35 0.00 77.96 0.00 6.29

44.22 15.78 0.38 77.55 0.38 8.39

44.17 17.25 1.77 76.47 1.77 8.79

45.84 17.74 4.68 71.59 4.68 8.69

N/A

0.02 N/A

N/A

0.04 N/A

N/A

0.22 N/A

N/A

0.56 N/A

N/A

2.22 N/A

  Total Deposits

84.91

86.45

84.25

84.68

86.31

84.60

87.04

84.67

84.96

84.59

  Federal Funds Purch & Repos   Total Fed Home Loan Borrowings

3.02 2.74 0.00 5.35 0.00 0.41

0.28 1.37 0.08 4.93 0.01 0.58

2.95 2.76 0.00 8.20 0.00 0.57

0.34 2.11 0.30 6.30 0.01 0.64

2.59 0.75 0.00 9.61 0.00 0.58

0.45 2.30 0.02 7.14 0.01 0.62

2.32 0.91 0.00

0.59 2.57 0.01 7.61 0.01 0.57

1.05 3.68 0.00

0.62 2.69 0.01 7.88 0.02 0.56

  Total Other Borrowings

 Memo: Sht Ter N Core Funding

10.22

13.84

  Subordinated Notes & Debentures   Acceptances & Other Liabilities   Total Liabilities (Incl Mortg)   Total Bank Capital & Min Int     Total Liabilities & Capital  Memo: All Brokered Deposits    Insured Brokered Deposits

0.00 0.61

0.00 0.73

91.07

89.82

90.53

89.30

90.23

88.94

90.88

89.38

90.43

89.46

8.93

10.18

25

9.47

10.70

27

9.77

11.06

26

9.12

10.62

21

9.57

10.54

100.00 100.00

94 100.00 100.00

91 100.00 100.00

91 100.00 100.00

91 100.00 100.00

0.00 0.00

0.90 0.66

58 62

0.00 0.00

1.24 0.99

52 56

0.38 0.38

1.69 1.34

53 59

1.77 1.77

2.16 1.82

60 64

4.68 5.28

2.62 2.35

 Loans HFS as a % Loans

0.27

0.25

70

0.30

0.34

66

0.16

0.19

67

0.04

0.15

54

0.05

0.20

51

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