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 Analysis Ratios

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Analysis of Loan Allowance and Loan Mix--Page 7

Allowance & Loan Mix-a 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

 Loss Provision to Average Assets  Recoveries to Prior Credit Loss  Net Loss to Average Total LN&LS  Gross Loss to Average Total LN&LS  Recoveries to Average Total LN&LS

0.22 62.24

0.07 73.31

89

0.30

0.07 67.96

93

0.09

0.07 60.73

63

0.15

0.08 52.38

77 76 94 94 70 67 68 15 65

0.18 36.33

0.21 53.05

46 60 47 43 49 65 66 74 62 61 92 96 94 91 72 89 76 12 98 16 80 69

65 54.42

63 60.20

68 75.51

0.06 0.09 0.03 1.77 1.77

0.03 0.06 0.04 1.42 1.41

75 71 58 79 79

0.08 0.11 0.03 1.90 1.90

0.02 0.05 0.03 1.42 1.41

84 80 56 83 83

0.13 0.16 0.03 1.56 1.55

0.02 0.05 0.03 1.40 1.39

89 87 61 68 69 24 63

0.26 0.30 0.04 1.52 1.52 5.72 5.21

0.01 0.04 0.03 1.39 1.37

0.03 0.05 0.02 1.48 1.48

0.08 0.11 0.03 1.38 1.36

 LN&LS Allowance to LN&LS Not HFS  LN&LS Allowance to Total LN&LS  LN&LS Allowance to Net Losses (X)  LN&LS Allowance to Nonaccrual LN&LS (X)

33.04 7.46

89.61 9.70

49 22.66 104.40

37 11.57 108.45

85.10 6.15

56.65 4.25

47.74 6.27

66

7.25

8.20

69

5.27

7.33

 Earnings Coverage of Net Losses (X)

43.77 167.88

43 31.91 194.09

33 13.78 214.11

17

7.13 181.62

10

69.87

82.90

Net Losses by Type of LN&LS  Real Estate Loans  Construction & Land Development 1-4 Family Construction    Other Construction & Land  Secured by Farmland 1-4 Family Residential Loans

0.02 -0.01 0.00 -0.01 0.00 0.01 0.01 0.02 -0.24 0.00 0.04 0.05 -0.01 1.58 0.11 0.15 N/A -0.24 0.00 N/A

0.00 0.00 0.02 -0.04 -0.01 0.00 0.00 0.00 -0.31 0.06 0.00 0.00 0.00 0.01 0.04 0.17 0.03 0.26

79 11 96 95 82 94 84 10 98 88 91 9

0.02 -0.02 0.00 -0.02 0.00 0.00 0.01 0.00 -0.31 0.00 0.05 0.07 -0.01 2.30 0.19 0.14 N/A -0.32 0.00 N/A

0.00 -0.04 -0.02 -0.04 0.00 0.00 -0.04 0.00 -0.27 0.05 0.00 0.00 0.00 0.00 0.02 0.13 0.01 0.18

81 10 97 96 36 95 81 98 90 93 9 8

0.03 -0.02 0.00 -0.03 0.00 0.00 0.02 0.00 0.00 0.00 0.08 0.11 -0.01 3.93 0.29 0.12 N/A -0.41 0.00 N/A

0.00 -0.03 0.00 -0.03 -0.01 0.00 -0.04 0.00 -0.21 0.05 0.00 0.00 -0.01 0.00 0.01 0.11 0.01 0.10

84

0.05 -0.05 0.00 -0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.22 -0.01 8.97 0.60 -0.31 -0.67 0.00 N/A N/A

0.00 -0.02 0.01 -0.03 0.01 0.00 -0.03 0.00 -0.20 -0.01 0.00 -0.02 -0.01 -0.02 0.00 0.11 0.00 0.05

91

0.01 0.02 0.00 0.03 0.00 0.02 0.00 0.03 -0.10 0.00 0.00 0.00 -0.02 -0.31 0.03 0.66 N/A 0.13 0.00 N/A N/A N/A N/A N/A N/A

0.03 0.00 0.02 0.00 0.00 0.01 0.00 0.01 -0.02 0.02 0.03 0.02 0.01 0.02 0.13 0.28 0.11 0.37

8

5

98

98

7

5

97 82 96 84 96 99 92 94

98 88 97 89 98 99 96 97

 Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans

Multifamily Loans

Non-Farm Non-Residential Mtg

Owner Occupied Nonfarm Nonresidential

Other Nonfarm Nonresidential RE Loans in Foreign Offices

9

8

7

5

7

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

  Agricultural Loans

98 80 61

98 88 65

99 92 65

99 95 10

0

  Commercial and Industrial Loans

56 82 72 72

  Loans to Individuals  Credit Card Plans

0.60 N/A

0.58 N/A

0.53 N/A

0.47 N/A

1.09 N/A

   Auto Loans

6

6

5

3

 Non-Depository, Other & Muni Loans  Financial Institution Loans  Loans to Foreign Governments

75

78

82

85

N/A N/A N/A N/A N/A

0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.06 N/A

N/A N/A N/A N/A N/A

0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.05 N/A

N/A N/A N/A N/A N/A

0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.06 N/A

N/A N/A N/A N/A

0.00 N/A 0.00 N/A 0.00 N/A 0.08 N/A

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

 Lease Financing

N/A -0.32 N/A

  Leases to Individuals   All Other Leases

Supplemental:  Loans to Finance Comml Real Estate Change: Loan Allowance ($000) Beginning Balance

0.00

-0.06

98

0.00

-0.04

99

0.00

-0.01

98

0.00

0.06

98

0.00

0.05

98

6,062

6,062

6,062

6,062

5,008

Gross Credit Losses

354

333

324

303

196

  Memo: Loans HFS Write-down

0

0

0

0

0

Recoveries

122 232

80

59

37

89

 Net Credit Losses

253

265

266

107

Provision: Loan & Lease Losses

1,836

1,836

336

286

1,161

Other Adjustments  LN&LS Allowance

0

0

0

0

0

7,666

7,645

6,133

6,082

6,062

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