CMS Case Study

8/17/22, 10:57 AM

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

Income Statement 1-Qtr-Ann 08/17/2022 10:52:52 AM

FDIC Certificate # OCC Charter # 0 Public Report Earnings and Profitability Percent of Average Assets:  Interest Income (TE) Net Interest Income (TE) + Noninterest Income - Noninterest Expense - Interest Expense

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL One Quarter Annualized Income Analysis--Page 12

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

2.96 0.24 2.72 0.40 2.20 0.92 0.00 N/A 0.92 0.00 0.00 0.92 0.80 0.81 0.00 0.80 0.80

3.39 0.26 3.12 0.66 2.49 1.33 0.07 1.26 0.00 0.00 1.27 1.06 1.10 -0.01 1.00 1.06

23 48 23 30 34 23 44 28 83 89 27 31 30 99 32 31

3.52 0.34 3.18 0.47 2.46 1.19 0.14 N/A 1.05 0.00 0.00 1.05 0.92 1.05 0.00 0.92 0.92

3.73 0.43 3.28 0.78 2.60 1.52 0.19 1.32 0.01 0.00 1.34 1.13 1.26 0.01 1.06 1.13

36 39 42 33 44 29 49 31 75 85 30 35 36 99 38 35

4.37 0.82 3.54 1.33 2.83 2.04 0.75 1.29 0.00 1.29 1.18 1.90 0.00 1.18 1.18

4.40 0.83 3.57 0.73 2.84 1.53 0.13 1.37 0.00 1.40 1.17 1.19 0.00 1.09 1.16

46 52 47 85 52 80 95 42 74 41 52 88 98 57 52

4.28 0.81 3.48 0.60 2.88 1.19 0.08 1.11 0.00 1.11 1.00 1.00 0.00 1.00 1.00

4.43 0.72 3.70 0.69 2.85 1.60 0.12 1.45 0.00 1.44 1.22 1.26 0.00 1.14 1.22

40 62 32 47 55 22 45 26 89 27 34 29 98 38 34

4.09 0.54 3.54 0.52 2.96 1.11 0.09 1.02 0.00 1.02 0.59 0.67 0.00 0.59 0.59

4.11 0.47 3.64 0.72 2.84 1.56 0.11 1.43 0.00 1.43 0.85 0.84 0.00 0.73 0.85

47 64 43 38 59 21 54 22 81 22 36 41 99 38 36

Pre-Provision Net Revenue (TE) - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets  Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)

0.00 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

Net Operating Income

 Adjusted Net Operating Income Net Inc Attrib Min Ints Net Income Adjusted Sub S

Net Income

Margin Analysis:  Int Inc (TE) to Avg Earn Assets  Int Expense to Avg Earn Assets  Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis:  Net Loss to Average Total LN&LS  Earnings Coverage of Net Loss (X)  LN&LS Allowance to Net Losses (X) Capitalization  Cash Dividends to Net Income  Retain Earns to Avg Total Equity

3.14 0.25 2.89

3.58 0.27 3.30

24 49 25

3.81 0.37 3.44

3.95 0.46 3.48

41 39 47

4.79 0.90 3.88

4.67 0.87 3.79

59 55 56

4.67 0.88 3.79

4.68 0.76 3.91

51 64 42

4.56 0.61 3.96

4.36 0.50 3.85

65 67 59

-0.02

0.04

16

0.01

0.09

48 87 89

0.04 71.89 32.95

0.14 7.27 3.86

49 83 80

0.13 14.39 9.23

0.12 3.89 2.18

69 58 59

0.02 61.11 46.78

0.15 3.74 -0.57

42 83 86

-99.14 -14.77 -91.26 -16.96

21 135.20 -15.48 19 101.03 -12.62

0.00 8.95

49.97 4.55

30 72

58.11 4.08

44.75 5.34

65 40

6.16 44.86

34 83

0.00 43.65

33 163.47 54.25

87 18

11.04

4.59

11.17

5.44

80

-3.81

2.60

Yield on or Cost of:   Total Loan & Leases (TE)  Loans in Domestic Offices

4.87 4.87 4.58 4.52 4.62 5.98 7.10 N/A 5.70 N/A 1.67 1.61 1.74 1.49 2.54 0.25 0.21 0.22 0.11 0.20 0.48

4.99 4.98 4.75 4.82 4.75 6.24 6.23 1.75 1.62 1.18 1.41 2.15 0.25 0.09 0.35 0.18 0.20 0.78 4.51

46 46 40 41 45 51 71 45 53 83 60 76 69 86 25 39 57 18 80

5.21 5.21 5.78 5.87 5.72 3.48 7.67 N/A 6.45 N/A 2.11 1.96 3.24 1.64 2.75 0.28 0.36 0.35 0.24 0.24 0.77

5.04 5.03 5.03 5.11 5.02 5.07 6.43 2.08 1.91 1.43 1.60 2.40 0.27 0.07 0.59 0.23 0.27 1.28 4.62

63 63 86 78 84 19 75 53 56 96 53 75 66 91 23 60 51 11 87

5.57 5.57 5.52 5.75 5.39 5.62 8.51 3.07 2.88 3.22 2.80 3.01 2.00 1.82 0.92 0.42 0.61 1.83 6.57

5.45 5.44 5.34 5.39 5.36 5.87 6.79 2.67 2.48 2.18 2.39 2.75 1.69 1.50 1.10 0.51 0.64 1.94 5.30

61 61 65 69 55 46 81 80 84 94 83 68 81 76 38 51 53 35 81

5.48 5.47 5.40 5.81 5.18 5.63 7.74 3.04 2.86 3.03 2.77 3.08 2.49 2.90 0.88 0.48 0.64 1.53 6.69

5.40 5.39 5.26 5.32 5.28 5.90 6.61 2.67 2.48 2.16 2.47 2.74 2.08 2.02 0.93 0.49 0.59 1.55 5.22

58 58 64 74 48 45 73 77 81 91 76 69 84 86 48 59 62 44 82

5.11 5.11 5.08 5.30 4.96 5.19 7.56 3.05 2.51 2.29 2.15 3.05 1.63 1.46 0.55 0.26 0.32 1.02 5.49

5.09 5.07 4.98 5.03 5.01 5.42 6.39 2.54 2.19 1.71 2.14 2.61 1.24 1.13 0.59 0.30 0.35 1.06 4.77

54 54 60 66 50 46 74 77 76 83 57 73 87 76 48 54 53 44 62

 Real Estate

 Secured by 1-4 Fam Resi Prop   All Other Loans Sec Real Estate

 Commercial & Industrial

 Individual

 Credit Card

8.33 N/A

8.69 N/A

N/A 8.66 N/A

N/A 8.05 N/A

N/A 8.23 N/A

  Agricultural

    Loans in Foreign Offices   Total Investment Securities (TE)   Total Investment Securities (Book)   US Treas & Agency (Excl MBS)   Mortgage Backed Securities  Interest-Bearing Bank Balances  Federal Funds Sold & Resales   All Other Securities   Total Interest Bearing Deposits   Transaction accounts   Other Savings Deposits

2.86 N/A

3.32 N/A

N/A 5.17 N/A

N/A 4.71 N/A

N/A 4.31 N/A

  Time Deposits

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