CMS Case Study
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Capital Analysis-b
FDIC Certificate # OCC Charter # 0 Public Report Capital Analysis ($000)
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Capital Analysis--Page 11A
08/17/2022 10:52:52 AM
12/31/2021
12/31/2020
12/31/2019
12/31/2018
12/31/2017
Common Equity Tier 1 Capital: ($000) Common Stock Plus Related Surplus Accum Other Comprehensive Inc (AOCI) Common Equity T1 Minority Interest Common Equity T1 Cap Before Adj/Ded Common Equity Tier 1 Capital: Adj/Ded Less: Goodwill Less: DTA (NOL & Tax Credit Only) AOCI-Related Adjustments-Opt Out AOCI-Related Adjustments-No Opt Out Oth Ded (add) CET1 bef threshold ded Less: Non-significant Investments Subtotal before Threshold Limits Less: Sig Inv, MSAs, DTA > 10% Limit Less: Sig Inv, MSAs, DTA > 15% Limit Less: Tot Sig Inv, MSAs, DTA > Limit Less: Ded due to insuff T1 and T2 Cap Total Adj and Ded for CET1 Capital Common Equity Tier 1 Capital Additional Tier 1 Capital: Additional T1C Inst & Related Surplus Non-qualifying Cap Inst sub to phaseout Tier 1 Minority Int Not Incl in CET1 Cap Additional T1 Cap Before Deductions Less: Additional T1 Cap Deductions Retained Earnings Less: Intangible Assets Tier 2 Capital: T2 Cap Instruments & Related Surplus Non-qualifying Capital Instruments Tot Cap Min Int Not Incl in T1 Cap Exited Adv App Eligible Cr Reserves Unrealized Gains on AFS Pref Stock Tier 2 Capital Before Deductions Exited Adv App T2C Before Deductions Less: Tier 2 Capital Deductions Tier 2 Capital - Standardized Approaches Tier 2 Capital - Advanced Approaches Total Capital - Standardized Approaches Total Capital - Advanced Approaches ALLL in Tier 2 Capital Additional Tier 1 Capital Tier 1 Capital
50,364 36,725 -1,427
33,310 29,602 3,534
29,306 24,850 1,767
29,307 18,944 -1,331
28,206 15,399
-292
0
0
0
0
0
85,662
66,446
55,923
46,920
43,313
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
-1,427
3,534
1,767
-1,331
-292 N/A
N/A
N/A
N/A
N/A
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0
N/A
N/A
87,089
62,912
54,156
48,251
43,605
N/A N/A
N/A N/A
0 0 0
0 0 0
87,089
62,912
54,156
48,251
43,605
0 0 0 0 0 0
0 0 0 0 0 0
87,089
62,912
54,156
48,251
43,605
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0
6,639
5,464
4,965
3,693
3,368
N/A N/A
N/A N/A
N/A
N/A
N/A
0
0
0
6,639
5,464
4,965
3,693
3,368
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
6,639
5,464
4,965
3,693
3,368
N/A
N/A
N/A
N/A
N/A
93,728
68,376
59,121
51,944
46,973
N/A
N/A
N/A
N/A
N/A
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