CMS Case Study

8/17/22, 11:01 AM

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Capital Analysis-b

FDIC Certificate # OCC Charter # 0 Public Report Capital Analysis ($000)

FRB District/ID_RSSD 6 / County:

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

08/17/2022 10:59:24 AM

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

Common Equity Tier 1 Capital: ($000)   Common Stock Plus Related Surplus   Accum Other Comprehensive Inc (AOCI)   Common Equity T1 Minority Interest   Common Equity T1 Cap Before Adj/Ded Common Equity Tier 1 Capital: Adj/Ded   Less: Goodwill   Less: DTA (NOL & Tax Credit Only)   AOCI-Related Adjustments-Opt Out   AOCI-Related Adjustments-No Opt Out   Oth Ded (add) CET1 bef threshold ded   Less: Non-significant Investments  Subtotal before Threshold Limits  Less: Sig Inv, MSAs, DTA > 10% Limit  Less: Sig Inv, MSAs, DTA > 15% Limit  Less: Tot Sig Inv, MSAs, DTA  > Limit  Less: Ded due to insuff T1 and T2 Cap    Total Adj and Ded for CET1 Capital  Common Equity Tier 1 Capital Additional Tier 1 Capital:   Additional T1C Inst & Related Surplus   Non-qualifying Cap Inst sub to phaseout   Tier 1 Minority Int Not Incl in CET1 Cap   Additional T1 Cap Before Deductions   Less: Additional T1 Cap Deductions   Retained Earnings   Less: Intangible Assets Tier 2 Capital:   T2 Cap Instruments & Related Surplus   Non-qualifying Capital Instruments   Tot Cap Min Int Not Incl in T1 Cap   Exited Adv App Eligible Cr Reserves   Unrealized Gains on AFS Pref Stock   Tier 2 Capital Before Deductions   Exited Adv App T2C Before Deductions   Less: Tier 2 Capital Deductions   Tier 2 Capital - Standardized Approaches   Tier 2 Capital - Advanced Approaches   Total Capital - Standardized Approaches   Total Capital - Advanced Approaches   ALLL in Tier 2 Capital   Additional Tier 1 Capital   Tier 1 Capital

50,364 36,725 -1,427

43,310 34,869 2,214

43,310 32,353 1,463

33,310 30,857 1,567

33,310 29,602 3,534

0

0

0

0

0

85,662

80,393

77,126

65,734

66,446

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

-1,427

2,214

1,463

1,567

3,534

N/A

N/A

N/A

N/A

N/A

0

0

0

0

0

N/A

N/A

N/A

N/A

N/A

87,089

78,179

75,663

64,167

62,912

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

87,089

78,179

75,663

64,167

62,912

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

87,089

78,179

75,663

64,167

62,912

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

6,639

6,135

5,708

5,464

5,464

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A N/A

6,639

6,135

5,708

5,464

5,464

N/A

N/A

N/A

N/A

N/A

0

0

0

0

0

6,639

6,135

5,708

5,464

5,464

N/A

N/A

N/A

N/A

N/A

93,728

84,314

81,371

69,631

68,376

N/A

N/A

N/A

N/A

N/A

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