CMS Case Study
8/17/22, 10:57 AM
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FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Analysis of Loan Allowance and Loan Mix--Page 7
Allowance & Loan Mix-a 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
Loss Provision to Average Assets Recoveries to Prior Credit Loss Net Loss to Average Total LN&LS Gross Loss to Average Total LN&LS Recoveries to Average Total LN&LS
0.22 62.24
0.07 73.31
89 65 75 71 58 79 79 49 66 79 11 96 95 82 94 84 10 98 88 91 9 43
0.18
0.21
46 60 47 43 49 65 66 74 62 61 92 96 94 91 72 89 76 12 98 16 80 69
0.28
0.12
87 44 50 45 50 69 70 68 58 57 88 94 91 91 56 87 60 88 97 77 82 66
0.11
0.11
57 17 58 52 45 42 43 56 90 66 86 94 90 92 81 88 82 11 97 20 77 49
0.27 7.16 0.29 0.32 0.03 1.13 1.13 4.10 2.60 0.36 2.60 0.00 3.47 0.00 0.04 0.00 0.10 -0.84 0.00 0.02 0.03 -0.02 6.40 0.00 -0.07 0.51 N/A 0.09 0.00 N/A N/A N/A N/A N/A N/A
0.11 56.24
87 15 84 81 51 39 40 18 53 95 98 94 98 93 66 81 81 96 70 79 10 17 5 84 14 66 61 70
36.33 53.05
26.82 60.84
8.47 58.49
0.06 0.09 0.03 1.77 1.77
0.03 0.06 0.04 1.42 1.41
0.03 0.05 0.02 1.48 1.48
0.08 0.11 0.03 1.38 1.36
0.05 0.07 0.02 1.40 1.39
0.10 0.14 0.04 1.25 1.24
0.07 0.10 0.03 1.14 1.14
0.09 0.13 0.05 1.25 1.25
0.10 0.16 0.05 1.26 1.25
LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Total LN&LS LN&LS Allowance to Net Losses (X) LN&LS Allowance to Nonaccrual LN&LS (X)
33.04 7.46
89.61 9.70
56.65 47.74
30.54 32.18
16.49 34.69
27.18 4.32
4.25
6.27
3.06
4.64
19.44
5.06
Earnings Coverage of Net Losses (X)
43.77 167.88
69.87 82.90
47.09 57.83
24.42 63.03
47.89
Net Losses by Type of LN&LS Real Estate Loans Construction & Land Development 1-4 Family Construction Other Construction & Land Secured by Farmland 1-4 Family Residential Loans
0.02 -0.01 0.00 -0.01 0.00 0.01 0.01 0.02 -0.24 0.00 0.04 0.05 -0.01 1.58 0.11 0.15 N/A -0.24 0.00 N/A
0.00 0.00 0.02 -0.04 -0.01 0.00 0.00 0.00 -0.31 0.06 0.00 0.00 0.00 0.01 0.04 0.17 0.03 0.26
0.01 0.02 0.00 0.03 0.00 0.02 0.00 0.03 -0.10 0.00 0.00 0.00 -0.02 -0.31 0.03 0.66 0.13 0.00
0.03 0.00 0.02 0.00 0.00 0.01 0.00 0.01 -0.02 0.02 0.03 0.02 0.01 0.02 0.13 0.28 0.11 0.37
0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.04 -0.02 -0.64 0.17 0.67 0.08 0.00
0.03 0.00 0.00 0.00 0.00 0.02 0.00 0.02 -0.02 0.00 0.03 0.02 0.01 0.02 0.21 0.41 0.15 0.62
0.03 0.00 0.00 0.00 0.00 0.08 0.11 0.08 -0.17 0.00 0.00 0.00 -0.02 -0.45 0.21 0.69 0.09 0.00
0.02 -0.01 0.00 -0.01 0.00 0.03 0.01 0.02 0.00 0.03 0.02 0.02 0.01 0.02 0.20 0.37 0.14 0.57
0.03 -0.01 0.00 -0.01 0.00 0.04 0.01 0.04 -0.01 0.00 0.03 0.02 0.01 0.02 0.22 0.41 0.17 0.49
Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential RE Loans in Foreign Offices
9
7
6
9
0.00 N/A
N/A 0.00 N/A
N/A 20.93 N/A
N/A 0.00 N/A
0.00 N/A
Agricultural Loans
98 80 61
0
0
0
Commercial and Industrial Loans
56 82 72 72
66 74 63 68
69 76 63 68
Loans to Individuals Credit Card Plans
0.60 N/A
N/A 1.09 N/A
N/A 1.30 N/A
N/A 1.38 N/A
1.16 N/A
Auto Loans
6
Non-Depository, Other & Muni Loans Financial Institution Loans Loans to Foreign Governments
75
N/A N/A N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.06 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 N/A 0.01 N/A N/A 0.00 N/A N/A 0.01 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
0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.49 N/A
Lease Financing
Leases to Individuals All Other Leases
Supplemental: Loans to Finance Comml Real Estate Change: Loan Allowance ($000) Beginning Balance
0.00
-0.06
98
0.00
0.05
98
0.00
0.30
97
0.00
0.26
96
0.00
1.61
97
6,062
5,008
3,693
3,367
3,009
Gross Credit Losses
354
196
245
302
921
Memo: Loans HFS Write-down
0
0
0
0
0
Recoveries
122 232
89
81
78
99
Net Credit Losses
107
164
224
822
Provision: Loan & Lease Losses
1,836
1,161
1,479
550
1,180
Other Adjustments LN&LS Allowance
0
0
0
0
0
7,666
6,062
5,008
3,693
3,368
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