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 Off Balance Sheet Items--Page 5

Off Balance Sheet Items 08/17/2022 10:59:24 AM

Percent Change 1 Quarter 1 Year

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

Outstanding (% of Total Assets)  Home Equity (1-4 Family)

BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT

2.65 1.27 0.00 0.07 3.78 3.63 1.02 1.23 2.76 2.03 0.00 0.00 4.14 5.76 10.56 11.63

79 79 57 52 66 91 39

2.79 1.28 0.00 0.08 5.08 3.62 1.10 1.21 3.98 2.03 0.00 0.00 3.48 5.83

80 79 72 56 81 91 31

3.06 0.00 4.59 0.95 3.63 0.00 4.22

1.28 0.08 3.51 1.18 1.97 0.00 5.94

83 78 68 52 79 91 38

3.25 0.00 3.59 1.04 2.55 0.00 4.15

1.25 0.09 3.24 1.06 1.85 0.00 6.08

86 78 61 59 69 90 36

3.25 0.00 4.33 1.24 3.09 0.00 4.23

1.27 0.09 3.15 0.99 1.82 0.00 5.99

85 77 70 65 77 90 37 55

 Credit Card

 Commercial RE Secured by RE

1-4 Family Residential

    Comml RE, Oth Const & Land   Commercial RE Not Secured by RE    Total LN&LS Commitments  Securities Underwriting  Standby Letters of Credit    Amount Conveyed to Others  Commercial Letters of Credit   Assets Securitized or Sold w/Rec     Amount of Recourse Exposure  Credit Derivatives Bank as Guarantor  Credit Derivatives Bank as Beneficiary   All Other

44 11.35 11.71

49 11.87 11.68

54 10.99 11.50

48 11.81 11.33

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

0.09 0.20

41

0.11 0.21

43

0.11

0.21

44

0.14

0.20

49

0.22

0.21

61

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

0.11 0.00

94

0.16 0.00

95

0.17

0.00

95

0.18

0.00

95

0.00

0.00

89

0.00 0.47

78

0.00 0.48

77

0.00

0.50

78

0.00

0.51

77

0.00

0.51

78

N/A 0.03 N/A N/A 0.03 N/A N/A 0.03 N/A

N/A 0.03 N/A

N/A 0.03 N/A

N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A

N/A 0.01 N/A N/A 0.00 N/A

N/A 0.01 N/A N/A 0.00 N/A

  All Oth Off-Balance Sheet Items

1.55 0.53

84

1.67 0.48

85

1.81

0.53

84

1.90

0.46

85

2.08

0.59

84

  Off-Balance Sheet Items Outstanding ($000)  Home Equity (1-4 Family)

12.31 14.20

44 13.29 14.20

50 13.96 14.26

54 13.21 13.97

51 14.12 13.99

56

25,527

25,016

25,421

25,681

23,398

2.04 9.10 N/A N/A

 Credit Card

0

0

0

0

0

 Commercial RE Secured by RE

36,499 9,866 26,633

45,595 9,891 35,704

38,091 7,919 30,172

28,382 8,219 20,163

31,159 -19.95 17.14

1-4 Family Residential

8,915

-0.25 10.67

Commercial RE, Oth Const & Land Commercial RE Not Secured by RE

22,244 -25.41 19.73

0

0

0

0

0

N/A N/A 27.94 30.98 N/A N/A N/A N/A -9.81 -45.56 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

 All Other

39,898

31,184

35,057

32,816

30,462

Securities Underwriting

N/A

N/A N/A 958 N/A

N/A

N/A N/A

N/A

Memo: Unused Commit w/mat GT 1 YR

0

0

0

 Standby Letters of Credit    Amount Conveyed to Others  Commercial Letters of Credit

864 N/A

950 N/A

1,091

1,587

N/A

N/A

1,027

1,411

1,411

1,411

0 -27.21 N/A

  Assets Securitized or Sold w/recourse   Amount of Recourse Exposure  Credit Derivatives Bank as Guarantor  Credit Derivatives Bank as Beneficiary

0

0

0

0

0

N/A

N/A

N/A

N/A

N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

  All Oth Off-Balance Sheet Items

15,002

15,000

15,009

15,009

15,009

0.01 -0.05

  Off-Balance Sheet Items

118,817

119,164

115,939

104,390

101,615

-0.29 16.93

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