CMS Case Study

8/17/22, 11:01 AM

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

Capital Analysis-a

FDIC Certificate # OCC Charter # 0 Public Report Capital Ratios Percent of Bank Equity:  Net Loans & Leases (x)  Subord Notes & Debentures  Com RE & Related Ventures Percent of Average Bank Equity:  Net Income

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Capital Analysis--Page 11

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

4.96 0.00

5.93 29 0.05 99

4.92 0.00

5.94 28 0.06 99

5.04 0.00

6.10 28 0.06 99

6.01 0.00

6.31 43 0.07 99

6.09 0.00

6.28 0.09

45 98 56 42 30 67 29 26 84 41 72 58

219.33 239.46 45

210.45 236.47 42

214.52 235.44 44

260.50 236.58 57

258.22 236.04

9.97 0.48 9.49 4.84 8.88

12.18 32 4.36 15 7.27 71 34.91 15 10.03 27 6.96 92 -5.25 55 0.31 73 1.45 60 0.00 N/A 0.00 N/A 2.42 40

10.36 0.67 9.70

12.74 32 3.74 25 8.42 63 28.09 25 10.21 26 8.36 89 -3.82 32 0.30 73 1.47 60 0.00 N/A 0.00 N/A 2.40 40

8.93 1.04 7.89

12.56 24 3.69 31 8.27 47 28.42 32 10.15 34 8.31 87 -3.28 65 0.30 72 1.50 60 0.00 N/A 0.00 N/A 2.43 40

9.18 1.59 7.60

12.62 26 3.01 49 8.97 40 23.11 51 10.02 16

9.73 2.03 7.70

10.80 4.04 6.21 36.45 10.45 11.04 -7.96

 Dividends

 Retained Earnings

Other Capital Ratios:  Dividends to Net Operating Income     Bank Eq Cap + Min Int to Assets

6.43 8.96

11.62 9.29 19.62 -0.35

17.27 8.32

20.90 9.23 18.82 -9.81

Growth Rates:   Total Equity Capital

28.92 -5.11

22.16 -8.56

17.47

9.70 83

  Equity Growth Less Asst Growth Intang Assets % Bank Equity   Mortgage Servicing Rights

-14.36 -12.75 42

0.00 0.00 N/A N/A 0.00

0.00 0.00 N/A N/A 0.00

0.00 0.00 N/A N/A 0.00

0.00 0.00 N/A N/A 0.00

0.30 72 1.55 59 0.00 N/A 0.00 N/A 2.50 39

0.00 0.00 N/A N/A 0.00

0.29 1.61

  Goodwill

  Purch Credit Card Relations

0.00 N/A 0.00 N/A

  All Other Intangibles   Total Intangibles

2.55

38

 Leverage 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

31

Standardized Capital Ratios   Com Equity Tier 1 Cap Ratio

16.4291 16.4291 17.6815

14.95 69 15.9828 14.97 69 15.9828 16.10 70 17.2371

15.06 65 16.5853 15.08 65 16.5853 16.22 66 17.8365

15.08 70 14.6990 15.11 70 14.6990 16.26 71 15.9507

14.93 54 14.4115 14.95 54 14.4115 16.10 56 15.6632

14.67 14.68 15.84

54 54 55

  Tier 1 Capital Ratio   Total Capital Ratio

Adv App Cap Ratios   Com Equity Tier 1 Cap Ratio

N/A N/A N/A

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

N/A N/A N/A

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

N/A N/A N/A

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

N/A N/A N/A

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

N/A N/A N/A

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

  Tier 1 Capital Ratio   Total Capital Ratio

End of Period Capital ($000)  Perpetual Preferred

0

0

0

0

0

+ Common Stock

11

11

11

11

11

+ Surplus

50,353 36,725 -1,427

43,299 34,869 2,214

43,299 32,353 1,463

33,299 30,857 1,567

33,299 29,602 3,534

+ Retained Earnings

+ Accum Other Comp Income + Other Equity Capital Comp  Total Bank Equity Capital Minority Interest Cons Subs  Total Bank Capital & Min Int

0

0

0

0

0

85,662

80,393

77,126

65,734

66,446

0

0

0

0

0

85,662

80,393

77,126

65,734

66,446

Subordinated Notes & Debentures

0

0

0

0

0

Changes in Bank Equity ($000)  Balance at Beginning of Period + Sales or Purchase of Capital + Merger & Absorptions + Restate due to Acctg Error&Chg + Net Income

66,445 7,486

66,445 5,629

66,445 3,114

66,445 1,517

55,923 6,006

0 0 0

0 0 0

0 0 0

0 0 0 3

0 0 0

+ Trans with Parent

17,054

10,000

10,000

4,004 1,255 1,767 66,445

- Dividends

362

362

362

262

+ Other Comprehensive Income  Balance at End of Period

-4,960 85,663

-1,320 80,392

-2,071 77,126

-1,969 65,734

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