Capital Markets School - Case Study

CLOYD BANK & TRUST RSSD-ID Last Updated on 3/30/2022

FFIEC 051 Report Date 12/31/2021

9

Dollar amounts in thousands

M.8.

8. Not applicable

M.9.

9. Not applicable

M.10.

10. Not applicable

11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year?............................................................................................................................................................................... Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C, Part I, Memorandum items 8.b and 8.c, and is to be completed annually in the December report only. 12. Noncash income from negative amortization on closed-end loans secured by 1-4 family residential properties (included in Schedule RI, item 1.a.(1)(a))........................................................................................................................ Memorandum item 14 is to be completed semiannually in the June and December reports only. 14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities recognized in earnings (included in Schedule RI, items 6.a and 6.b) 3 .................................................................................................. Memorandum item 15 is to be completed annually in the December report only by institutions with $1 billion or more in total assets1 that answered "Yes" to Schedule RC-E, Memorandum item 5. 15. Components of service charges on deposit accounts (sum of Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b): a. Consumer overdraft-related service charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use........................ b. Consumer account periodic maintenance charges levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use........... c. Consumer customer automated teller machine (ATM) fees levied on those transaction account and nontransaction savings account deposit products intended primarily for individuals for personal, household, or family use........... 13. Not applicable

M.11. No

RIADA530

M.12. NR

RIADF228

M.13.

M.14. 0

RIADJ321

M.15.

M.15.a. NR

RIADH032

M.15.b. NR

RIADH033

M.15.c. NR

RIADH034

M.15.d. NR

RIADH035

d. All other service charges on deposit accounts.....................................................................................................

Schedule RI-A - Changes in Bank Equity Capital(FormType - 051) Dollar amounts in thousands 1. Total bank equity capital most recently reported for the December 31, 2020, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)..................................................................................................... 2. Cumulative effect of changes in accounting principles and corrections of material accounting errors * .......................

1. 66,445

RIAD3217

2. 0

RIADB507

3. 66,445

RIADB508

3. Balance end of previous calendar year as restated (sum of items 1 and 2)................................................................

4. 7,486

RIAD4340

4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)..................................................................

5. 0 6. 0 7. 0 8. 0

RIADB509

5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)...................

RIADB510

6. Treasury stock transactions, net..................................................................................................................................

RIAD4356

7. Changes incident to business combinations, net.........................................................................................................

RIAD4470

8. LESS: Cash dividends declared on preferred stock....................................................................................................

9. 362

RIAD4460

9. LESS: Cash dividends declared on common stock..................................................................................................... 10. Other comprehensive income 1 .................................................................................................................................. 11. Other transactions with stockholders (including a parent holding company) (not included in items 5, 6, 8, or 9 above) * ............................................................................................................................................................................

10. -4,960

RIADB511

11. 17,054

RIAD4415

12. 85,663

RIAD3210

12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)..

3. Memorandum item 14 is to be completed only by institutions that have not adopted ASU 2016-13. *. Describe on Schedule RI-E - Explanations. 1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost. *. Describe on Schedule RI-E - Explanations.