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

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Income Statement $--Page 2

Income Statement $ 08/17/2022 10:59:24 AM

Percent Change

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

1 Year

Interest and Fees on Loans Income From Lease Financing

20,866

15,782

10,210

5,157

20,293

2.82 N/A

0

0 9 2

0 6 2

0 3 1

0

  Tax-Exempt

11

27

-59.26 -59.26

  Estimated Tax Benefit

3

7

 Income on Loans & Leases (TE)

20,869

15,784

10,212

5,158

20,300

2.80

US Treas & Agency (Excl MBS) Mortgage Backed Securities

289

168

97

39

183

57.92 65.33 -6.17 4.58 -6.17 43.71 -41.72 -28.13

3,548

2,247

1,262

507

2,146

  Estimated Tax Benefit All Other Securities

214

159 729 599

105 480 395

52

228 961 859

1,005

237 197 835

  Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales

806

5,056

3,303

1,944

3,518

176

160

122

61

302

23

18

12

4

32

Trading Account Income Other Interest Income

N/A

N/A

N/A

N/A

N/A

N/A

45

35

25

13

56

-19.64

  Total Interest Income (TE)

26,169

19,301

12,315

6,071

24,209

8.10

Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures

N/A

N/A

N/A

N/A 493 N/A N/A 30

N/A

N/A

1,929

1,477

1,016

2,931

-34.19 18.03

144 N/A N/A 169

101 N/A N/A 115

63

122 N/A N/A 144

N/A N/A

N/A N/A

Other Interest Expense

76

38

17.36

  Total Interest Expense

2,242

1,693

1,155

561

3,197

-29.87

  Net Interest Income (TE) Non-interest Income

23,927 5,507 29,434 19,063 10,371 1,836

17,608 4,578 22,186 13,952 8,234 1,836

11,160 1,791 12,951

5,510

21,012 3,123 24,135 16,423 7,712 1,161

13.88 76.34 21.96 16.08 34.49 58.14

862

  Adjusted Operating Income (TE)

6,372

Non-Interest Expense

9,192 3,759

4,422 1,950

  Pre-Provision Net Revenue (TE) Provision: Loan & Lease Losses Provision: Credit Losses Other Assets  Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities  Pretax Net Operating Inc (TE)

336 N/A

286 N/A

N/A

N/A

N/A

N/A

8,535

6,398

3,423

1,664

6,551

30.30

0 1 0

0 1 0

0 0 0

0 0 0

0

N/A

65

-98.46

0

N/A

8,536

6,399

3,423

1,664

6,616

29.03

Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments   Applicable Income Taxes (TE)

833 217

608 162

202 107

94 53

374 236

122.73 -7.79

0

0

0

0

0

N/A

1,050

770

309

147

610

72.30

 Net Operating Income

7,486

5,629

3,114

1,517

6,006

24.64

Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests

0 0

0 0

0 0

0 0

0 0

N/A N/A

 Net Income

7,486

5,629

3,114

1,517

6,006

24.64

Cash Dividends Declared

362

362

362

262

1,255

-71.16

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