Capital Markets School - Case Study

8/17/22, 11:05 AM

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

Capital Analysis-b 08/17/2022 11:04:17 AM

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

06/30/2022

06/30/2021

12/31/2021

12/31/2020

12/31/2019

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

50,416 40,646 -45,002

43,310 32,353 1,463

50,364 36,725 -1,427

33,310 29,602 3,534

29,306 24,850 1,767

0

0

0

0

0

46,060

77,126

85,662

66,446

55,923

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

-45,002

1,463

-1,427

3,534

1,767

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 0 0

N/A

N/A

N/A

N/A

91,062

75,663

87,089

62,912

54,156

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

91,062

75,663

87,089

62,912

54,156

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

91,062

75,663

87,089

62,912

54,156

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

7,703

5,708

6,639

5,464

4,965

N/A N/A

N/A N/A

N/A N/A

N/A N/A

N/A

0

7,703

5,708

6,639

5,464

4,965

N/A

N/A

N/A

N/A

N/A

0

0

0

0

0

7,703

5,708

6,639

5,464

4,965

N/A

N/A

N/A

N/A

N/A

98,765

81,371

93,728

68,376

59,121

N/A

N/A

N/A

N/A

N/A

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