CMS Case Study

8/17/22, 10:57 AM

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

Liquidity & Funding 08/17/2022 10:52:52 AM

FDIC Certificate # OCC Charter # 0 Public Report Percent of Total Deposits

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Liquidity & Funding--Page 10

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

 Individ, Partnerships, and Corp.  U.S. Govt, States & Political Sub in U.S.  Comml Banks & Other Dep Inst. in U.S.

72.67 27.30 0.03 0.00 0.00

89.28 9.40 0.54 0.02 0.00

3

79.62 20.30 0.08 0.00 0.00

89.38 8.96 0.81 0.03 0.00

12 91 56 98 99

78.75 21.25 0.00 0.00 0.00

88.79 9.38 0.97 0.11 0.00

12 91 40 98 99

77.43 22.57 0.00 0.00 0.00

89.26 9.05 0.84 0.12 0.00

9

84.35 15.65 0.00 0.00 0.00

89.51 8.85 0.80 0.08 0.00

24 81 44 98 99 96 23 38 72 99 99 99 79 25 84 28 30 71 32 51 99 79 69 74 89 41

97 52 98 99

94 42 98 99

 Banks in Foreign Countries  Foreign Govts and Official Inst.

  Total deposits

100.00 100.00

93 100.00 100.00

93 100.00 100.00

93 100.00 100.00

93 100.00 100.00

  Domestic Demand Deposits   Domestic Other Transaction Accts   Domestic Nontransaction Accts   Total Domestic Deposits   Deposits in Foreign Offices

8.51 3.31

26.80 12.89 58.10

13 20 88

4.99 5.63

22.83 10.75 64.54

6

6.15 4.67

16.91 8.68 72.88

17 38 77

6.03 4.58

16.51 8.73 73.26

18 37 76

6.77 4.79

16.50 9.37 73.05

35 86

88.18

89.39

89.18

89.39

88.44

100.00 100.00

99 100.00 100.00

99 100.00 100.00

99 100.00 100.00

99 100.00 100.00

0.00

0.00

99

0.00

0.00

99

0.00

0.00

99

0.00

0.00

99

0.00

0.00

  Total Deposits

100.00 100.00

99 100.00 100.00

99 100.00 100.00

99 100.00 100.00

99 100.00 100.00

Liquidity/Funding Ratios  Net Non Core Fund Dep $250M

7.13 80.53 3.28

-7.91 82.03 4.48

84 34 45

-5.52 78.86 6.97

-3.83 79.11 5.53

42 42 68 50 58 37 29 31 59 71 50 76

9.79 77.17 11.00

3.22 76.84 6.93

70 47 79 18 23 77 29 32 52 68 44 82

13.22 75.39 11.11

5.20 77.07 7.36

75 38 75 25 36 63 25 31 49 69 41 89

16.43 70.81 15.38

6.57 76.41 8.26

 Core Deposits

 Short Term Non Core Funding S.T Inv to S.T. Ncore Fund S.T. Asset to S.T. Liabilities Net S.T. Liabilities to Assets Net Loans & Leases to Deposits Net LN&LS to Core Deposits Brkr Dep Mat < 1 Yr to Brkr Deps Brokered Deposits to Deposits Listing Service Dep to Deposits List Service and Brkrd Dep to Deps Sec Bor + sec FFP to Tot Bor + FFP Recip Brkrd Dep to Tot Brkrd Dep Total Deposits  Individ, Partnerships, and Corp.  U.S. Govt, States & Political Sub in U.S.  Comml Banks & Other Dep Inst. in U.S.

114.88 505.15 148.82 249.06 -4.05 -11.75

26 223.13 375.25 35 194.25 202.40

32.28 193.02 77.01 159.15

31.42 158.19 99.29 153.33

31.31 136.82 88.65 148.79

70 -13.42

-9.24 75.84 82.44

5.42 74.29 81.98

-5.26 82.43 91.22

0.14 72.85 81.50

-4.41 83.06 91.78

2.70 75.81 92.18

-4.11 82.20 91.69 57.49 3.28 0.65 4.36 0.27 21.55

52.46 54.73

67.94 72.55

18 19 63 74 55 85

66.68 71.30

N/A 33.56 N/A

N/A 37.71 N/A

N/A 44.39 N/A

N/A 44.57 N/A 100.00

0.00 0.00 0.00 0.00 N/A

0.92 0.35 1.52 2.55

0.00 0.00 0.00 0.00 N/A

1.26 0.59 2.18 7.75

0.00 0.00 0.00 0.00 N/A

1.73 0.69 2.78 1.92

0.00 0.00 0.00 0.00 N/A

2.15 0.64 3.16 0.31

8.29 0.00 8.29 0.00 0.08

2.96 N/A

2.44 N/A

3.47 N/A

5.09 N/A

589,144 221,303

483,358 123,225

375,319 101,281

339,352 98,907

328,296 60,894

248

497

0 0 0

0 0 0

0 0 0

 Banks in Foreign Countries  Foreign Govts and Official Inst.

0 0

0 0

  Total Deposits

810,695

607,080

476,600

438,259

389,190

  Domestic Demand Deposits   Domestic Other Transaction Accts   Domestic Nontransaction Accts   Total Domestic Deposits   Deposits in Foreign Offices

68,959 26,866 714,870 810,695

30,281 34,158 542,641 607,080

29,310 22,264 425,026 476,600

26,436 20,073 391,750 438,259

26,342 18,648 344,200 389,190

N/A

N/A

N/A

N/A

N/A

  Total Deposits

810,695

607,080

476,600

438,259

389,190

Other Liquidity/Funding Data   Non Core Liabilities $250M   Short Term Non Core Funding

98,125 31,600 777,034 48,458 18,546 2,135 31,525

81,356 50,168 567,720 52,338 19,956 28,172 11,188

67,809 61,537 431,897 70,289 13,811 38,432 6,272 10,000

77,938 57,731 391,728 43,694 35,305 26,325 20,207

84,713 69,541 320,096 70,401 26,556 21,666 15,172 12,000

  Core Deposits

  Time Deps $250M & Under Mat < 1 Yr   Time Deps $250M & Under Mat > 1 Yr   Time Deps over $250M Mat < 1 Yr   Time Deps over $250M Mat > 1 Yr   Fed Home Loan Bor Mat < 1 Yr   Fed Home Loan Bor Mat > 1 Yr   Other Borrowing Mat < 1 Year

0

0

0 0 0

35,000

20,000

0 0

0 0

0

0

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