Capital Markets School - Case Study
8/17/22, 11:05 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
Capital Analysis-a 08/17/2022 11:04:17 AM
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
06/30/2022
06/30/2021
12/31/2021
12/31/2020
12/31/2019
BANK PG 5 PCT
BANK PG 5 PCT
BANK PG 5 PCT
BANK PG 5 PCT
BANK PG 5 PCT
10.01 0.00
7.35 89 0.15 99
5.04 0.00
6.10 28 0.06 99
4.96 0.00
5.93 29 0.05 99
6.09 0.00
6.28 45 0.09 98
6.33 0.00
6.27 0.10
49 98 63 58 17 91 16 28 85 82 70 55
463.00 295.16 85
214.52 235.44 44
219.33 239.46 45
258.22 236.04 56
298.65 253.63
13.10 1.21 11.89
11.99 61 4.08 32 7.30 82
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
9.97 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
9.73 2.03 7.70
10.80 42 4.04 30 6.21 67 36.45 29 10.45 26 11.04 84 -7.96 41 0.29 72 1.61 58 0.00 N/A 0.00 N/A 2.55 38
11.59 0.19 11.39
11.02 4.63 5.90 40.07 11.21 11.60 4.82
Dividends
Retained Earnings
Other Capital Ratios: Dividends to Net Operating Income Bank Eq Cap + Min Int to Assets
9.26 4.77
32.11 30
11.62 9.29 19.62 -0.35
20.90 9.23 18.82 -9.81
1.67 9.99
8.58
6
Growth Rates:
Total Equity Capital
-40.28 -10.00 -56.49 -17.11
8 5
28.92 -5.11
19.19 11.47
Equity Growth Less Asst Growth Intang Assets % Bank Equity Mortgage Servicing Rights
0.00 0.00 N/A N/A 0.00
0.35 74 1.71 60 0.00 N/A 0.00 N/A 2.86 41
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
0.27 1.94
Goodwill
Purch Credit Card Relations
0.00 N/A 0.00 N/A
All Other Intangibles Total Intangibles
2.93
35
Leverage Ratio
9.2878
9.97 39
9.2625
9.77 42
9.3859
9.81 44
9.0029
9.99 31
9.8657
10.76
34
Standardized Capital Ratios Com Equity Tier 1 Cap Ratio
14.7793 14.7793 16.0295
14.65 59 16.5853 14.68 59 16.5853 15.80 60 17.8365
15.08 70 16.4291 15.11 70 16.4291 16.26 71 17.6815
14.95 69 14.4115 14.97 69 14.4115 16.10 70 15.6632
14.67 54 13.6342 14.68 54 13.6342 15.84 55 14.8842
14.76 14.78 15.85
45 45 47
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 82.30 N/A N/A 82.30 N/A N/A 82.30 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
50,405 40,646 -45,002
43,299 32,353 1,463
50,353 36,725 -1,427
33,299 29,602 3,534
29,295 24,850 1,767
+ 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
46,060
77,126
85,662
66,446
55,923
0
0
0
0
0
46,060
77,126
85,662
66,446
55,923
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
85,663 4,320
66,445 3,114
66,445 7,486
55,923 6,006
46,921 6,006
0 0 0
0 0 0
0 0 0
0 0 0
0 0 0 0
+ Trans with Parent
52
10,000
17,054
4,004 1,255 1,767 66,445
- Dividends
400
362
362
100
+ Other Comprehensive Income Balance at End of Period
-43,575 46,060
-2,071 77,126
-4,960 85,663
3,096 55,923
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