CMS Case Study

8/17/22, 11:01 AM

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

PD, Nonacc & Rest Loans-b 08/17/2022 10:59:24 AM

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Analysis of Past Due, Nonaccrual & Restructured--Page 8A

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

% of Non-Current LN&LS by Loan Type  Financial Institution LNS-90+ Days P/D

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

0.00 0.00 0.00 0.00 0.00 0.05 0.05 0.06 0.00 0.00 0.00 0.00 0.00 0.10 0.10 0.50

0.00 0.00 0.00 0.00 0.01 0.32 0.37 0.23 0.00 0.08 0.10 0.03 0.02 0.09 0.14 0.42

98 98 98 94 83 53 49 52 94 81 79 81 78 72 64 65

0.00 0.00 0.00 0.00 0.00 0.06 0.06 0.05 0.00 0.00 0.00 0.00 0.00 0.17 0.17 0.73

0.00 0.00 0.00 0.00 0.01 0.31 0.36 0.23 0.00 0.11 0.14 0.04 0.02 0.09 0.14 0.39

98 98 98 94 85 53 49 49 93 79 76 79 77 76 70 76

0.00 0.00 0.00 0.00 0.00 0.06 0.06 0.13 0.00 0.00 0.00 1.01 0.00 0.32 0.32 0.50

0.00 0.00 0.00 0.00 0.01 0.28 0.33 0.17 0.00 0.11 0.15 0.05 0.01 0.10 0.14 0.35

98 98 98 96 86 52 49 64 93 80 77 94 80 83 77 68

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.00 0.00 0.00 1.52 0.00 0.45 0.45 0.21

0.00 0.00 0.00 0.00 0.01 0.30 0.35 0.18 0.00 0.16 0.21 0.11 0.02 0.12 0.17 0.36

98 98 98 98 84 42 37 61 91 77 74 94 78 85 81 52

0.00 0.00 0.00 0.00 0.02 0.00 0.02 0.20 0.00 0.00 0.00 1.64 0.00 0.46 0.46 0.63

0.00 0.00 0.00 0.02 0.01 0.31 0.37 0.23 0.00 0.18 0.21 0.07 0.02 0.13 0.19 0.52

97 97 97 95 86 40 41 64 93 77 75 95 74 84 80 65

-Nonaccrual

-Total

-30-89 DAYS P/D

 Coml & Indust LNS-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

  Agricultural LNS-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

 Loans to Individuals-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

 Credit Card Plans-90+ Days P/D

N/A 0.10 N/A N/A 0.00 N/A N/A 0.14 N/A N/A 0.58 N/A

N/A 0.12 N/A N/A 0.08 N/A N/A 0.16 N/A N/A 0.58 N/A

N/A 0.12 N/A N/A 0.05 N/A N/A 0.16 N/A N/A 0.54 N/A

N/A 0.13 N/A N/A 0.07 N/A N/A 0.18 N/A N/A 0.50 N/A

N/A 0.14 N/A N/A 0.06 N/A N/A 0.19 N/A N/A 0.75 N/A

-Nonaccrual

-Total

-30-89 DAYS P/D

  Auto Loans

0.00 0.17 0.17 0.20 0.00 0.00 0.00 0.00

0.00 0.06 0.09 0.37 0.30 0.04 0.08 0.28

89 82 78 59 95 90 87 74

0.00 0.32 0.32 1.49 0.00 0.00 0.00 0.00

0.00 0.07 0.09 0.33 0.37 0.06 0.10 0.28

90 88 86 88 95 89 87 75

0.00 0.42 0.42 0.21 0.00 0.00 0.00 0.00

0.00 0.07 0.09 0.30 0.00 0.11 0.27 0.37

90 89 87 63 94 89 85 75

0.00 0.51 0.51 0.00 0.00 0.00 0.00 0.00

0.00 0.08 0.12 0.28 0.00 0.06 0.18 0.40

89 89 86 55 93 89 85 75

0.00 0.50 0.50 0.37 0.00 0.00 0.00 0.00

0.01 0.10 0.14 0.46 0.00 0.08 0.17 0.39

86 87 85 61 94 89 86 74

-Nonaccrual

-Total

-30-89 DAYS P/D

 Non-depository, Other and Muni-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

 Lease Financing-90+ Days P/D

N/A 0.01 N/A N/A 0.07 N/A N/A 0.00 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 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.04 N/A

N/A 0.00 N/A N/A 0.52 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 N/A 0.00 N/A N/A 0.24 N/A N/A 0.00 N/A N/A 0.00 N/A

N/A 0.07 N/A N/A 0.00 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 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.02 N/A N/A 0.02 N/A N/A 0.00 N/A

N/A 0.01 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 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.09 N/A N/A 0.01 N/A N/A 0.03 N/A N/A 0.04 N/A

N/A 0.02 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 0.00 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.01 N/A

-Nonaccrual

-Total

-30-89 DAYS P/D

 Leases to Individuals-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

  All Other Leases-90+ Days P/D

-Nonaccrual

-Total

-30-89 DAYS P/D

  Total LN&LS-90+ Days Past Due

0.06 0.24 0.30 0.07

0.02 0.41 0.46 0.28

82 47 49 31

0.00 0.26 0.27 0.13

0.03 0.44 0.50 0.27

63 45 42 42

0.00 0.29 0.29 0.15

0.03 0.47 0.54 0.26

56 47 41 45

0.00 0.29 0.29 0.13

0.03 0.52 0.60 0.34

55 43 38 36

0.01 0.35 0.36 0.14

0.04 0.56 0.63 0.38

64 46 41 35

-Nonaccrual

-Total

-30-89 DAYS P/D

Other Pertinent Ratios:

https://cdr.ffiec.gov/Public/Reports/UbprReportPrint.html

20/39