CMS Case Study

8/17/22, 11:01 AM

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

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 Summary Ratios--Page 1

Summary Ratios

08/17/2022 10:59:24 AM

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

BANK PG 5 PCT

3.13 0.27 2.86 0.66 2.28 1.24 0.22 1.02 0.00 0.00 1.02 0.90 1.09 0.00 0.90 0.90

3.52 23 0.30 45 3.21 25 0.70 55 2.42 43 1.53 28 0.07 89 1.45 19 0.01 59 0.00 87 1.47 18 1.23 24 1.28 34 0.00 98 1.15 26 1.23 24

3.20 0.28 2.92 0.76 2.31 1.36 0.30 1.06 0.00 0.00 1.06 0.93 1.19 0.00 0.93 0.93

3.58 25 0.32 45 3.24 26 0.71 62 2.40 46 1.60 33 0.07 93 1.53 20 0.01 61 0.00 88 1.55 19 1.29 23 1.35 40 0.00 98 1.20 27 1.29 23

3.13 0.29 2.84 0.46 2.34 0.96 0.09 N/A 0.87 0.00 0.00 0.87 0.79 0.81 0.00 0.79 0.79

3.58 21 0.34 45 3.23 24 0.71 33 2.40 48 1.59 14 0.07 63 0.00 N/A 1.51 13 0.01 66 0.00 88 1.53 12 1.28 17 1.34 15 0.00 98 1.19 19 1.28 17 94.91 23 68.93 99 3.79 23 0.36 45 3.41 26

3.22 0.30 2.92 0.46 2.34 1.03 0.15 N/A 0.88 0.00 0.00 0.88 0.80 0.81 0.00 0.80 0.80

3.61 24 0.36 41 3.24 29 0.73 34 2.43 47 1.61 17 0.08 77 0.00 N/A 1.52 15 0.01 75 0.00 89 1.55 14 1.29 19 1.38 16 0.00 99 1.20 21 1.29 20 94.82 21 69.49 99 3.82 27 0.38 42 3.43 32

3.67 0.49 3.19 0.47 2.49 1.17 0.18 N/A 0.99 0.01 0.00 1.00 0.91 1.07 0.00 0.91 0.91

3.94 0.56 3.36 0.74 2.60 1.56 0.21 1.33 0.02 0.00 1.37 1.15 1.31 0.00 1.06 1.14

31 41 35 34 44 23 46 24 61 90 23 31 32 99 34 31 16 98 38 43 41 47 69 65 74 66 64 46 41 31 55 30 67 29 82 85 64 92 31 42 26

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)

N/A 0.00 N/A

N/A 0.00 N/A

0.00 N/A

Net Operating Income

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

Net Income

Margin Analysis:   Avg Earning Assets to Avg Assets   Avg Int-Bearing Funds to Avg Assets   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 Losses (X)   LN&LS Allowance to LN&LS Not HFS   LN&LS Allowance to Net Losses (X)   LN&LS Allowance to Total LN&LS   Total LN&LS-90+ Days Past Due

94.72 94.89 44 93.48 68.17 99

94.90 94.90 48 92.27 68.70 99

93.24 92.64 3.36 0.32 3.05

92.85 93.58 3.47 0.32 3.15

92.13 91.74 3.99 0.53 3.46 0.03 69.87 1.48 56.65 1.48 0.01 0.35 0.36

94.64 71.26 4.17 0.59 3.56 0.08 82.90 1.38 47.74 1.36 0.04 0.56 0.63

3.31 0.28 3.02

3.73 23 0.32 45 3.39 25

3.37 0.30 3.07

3.78 24 0.34 45 3.43 26

0.06

0.03 75

0.08

0.02 84

0.13

0.02 89

0.26

0.01 94

43.77 167.88 43

31.91 194.09 33

13.78 214.11 17

7.13 181.62 10

1.77

1.42 79

1.90

1.42 83

1.56

1.40 68

1.52 5.72 1.52 0.00 0.29 0.29

1.39 67 85.10 15 1.37 68 0.03 55 0.52 43 0.60 38

33.04 89.61 49

22.66 104.40 37

11.57 108.45 24

1.77 0.06 0.24 0.30

1.41 79 0.02 82 0.41 47 0.46 49

1.90 0.00 0.26 0.27

1.41 83 0.03 63 0.44 45 0.50 42

1.55 0.00 0.29 0.29

1.39 69 0.03 56 0.47 47 0.54 41

-Nonaccrual

-Total

Liquidity  Net Non Core Fund Dep New $250M  Net Loans & Leases to Assets

7.13

-7.91 84

4.17

-7.75 77

-2.43 46.81

-6.67 55 61.11 16

-12.55 49.94

-7.04 33 62.23 19

-5.52 56.23

-3.83 64.51

44.08 58.91 15

44.11 59.86 13

Capitalization   Leverage Ratio   Total Capital Ratio

9.3859

9.81 44

9.2638

9.88 40

9.2625

9.77 42

8.5051

9.94 20

9.0029

9.99 15.84 35.93 6.21 5.52

17.6815 16.10 70 17.2371 16.22 66 17.8365

16.26 71 15.9507

16.10 56 15.6632

  Cash Dividends to Net Income   Retained Earnings to Avg Total Equity   Rest+Nonac+RE Acq to Eqcap+ALLL

4.84 34.74 16

6.43 27.92 26

11.62 7.89 1.40

28.19 33 8.27 47 4.72 25

17.27 7.60 1.73

22.95 51 8.97 40 5.26 27

20.90 7.70 2.22

9.49 2.09

7.27 71 3.96 38

9.70 2.08

8.42 63 4.31 36

Growth Rates   Total Assets   Tier 1 Capital

34.03 12.26 95 38.43 10.43 95

30.72 12.19 94 25.62 10.47 90

19.97 24.28 -3.20 -1.57 -19.00

11.68 83 10.02 90 0.99 34 41.73 32 -6.36 39

31.84 15.88 9.89

22.64 80 9.88 81 11.87 49

28.63 16.17 14.33

19.34 8.67 11.70

  Net Loans & Leases   Short Term Investments   Short Term Non Core Funding

5.06

3.18 61

-1.65

-0.24 46

-67.57 25.50

4

-43.11 55.41

8

165.77 126.98 69

463.45 109.39

-37.01

-2.92 19

-4.29

-4.63 53

1.42

1.58 54

-18.48

6.50

Average Total Assets Total Equity Capital

835,779 85,662

805,081 80,393

785,662 77,126

754,449 65,734

659,155 66,446

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