Capital Markets School - Case Study

8/17/22, 10:57 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 10:52:52 AM

12/31/2021

12/31/2020

12/31/2019

12/31/2018

12/31/2017

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

6.09 0.00

6.28 45 0.09 98

6.33 0.00

6.27 49 0.10 98

6.80 0.00

6.58 53 0.11 98

6.81 0.00

6.62 0.15

52 98 66 42 64 27 73 31 91 92 71 56 95 66 36

219.33 239.46 45

258.22 236.04 56

298.65 253.63 63

320.19 266.16 65

326.26 268.07

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 58 4.63 17 5.90 91 40.07 16 11.21 28 11.60 85 4.82 82 0.27 70 1.94 55 0.00 N/A 0.00 N/A 2.93 35

10.86 2.80 8.06 25.76 9.03 8.33 -6.61

11.50 46 4.52 38 6.38 68 37.62 36 10.74 17 6.66 67 1.12 11 0.28 70 1.97 55 0.00 N/A 0.00 N/A 3.05 34

8.34 5.44 2.90

9.68 4.20 4.99

Dividends

Retained Earnings

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

20.90 9.23 18.82 -9.81

1.67 9.99

65.23 9.58 20.37 11.23

41.29 10.54

Growth Rates:

Total Equity Capital

28.92 -5.11

19.19 11.47

7.28 1.32 0.27 1.95 0.06 0.23 3.02

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

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

0.00 0.00 0.00 0.00 0.00

Goodwill

Purch Credit Card Relations

All Other Intangibles Total Intangibles

Leverage Ratio

9.3859

9.81 44

9.0029

9.99 31

9.8657

10.76 34

9.5851

10.65 30

9.8629

10.32

44

Standardized Capital Ratios Com Equity Tier 1 Cap Ratio

16.4291 16.4291 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 45 12.9937 14.78 45 12.9937 15.85 47 13.9882

14.42 40 12.8067 14.44 40 12.8067 15.53 38 13.7959

14.23 14.25 15.34

41 40 39

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 82.30 N/A N/A 82.30 N/A N/A 82.30 N/A

N/A 54.74 N/A N/A 54.74 N/A N/A 54.74 N/A

N/A 39.81 N/A N/A 39.81 N/A N/A 39.81 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

33,299 29,602 3,534

29,295 24,850 1,767

29,295 18,944 -1,330

28,195 15,399

+ Retained Earnings

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

-292

0

0

0

0

0

85,662

66,446

55,923

46,920

43,313

0

0

0

0

0

85,662

66,446

55,923

46,920

43,313

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

55,923 6,006

46,921 6,006

43,313 4,778

35,983 3,486

0 0 0

0 0 0

0 0 0 0

0 0 0

0 0 0

+ Trans with Parent

17,054

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

1,100 1,231 -1,039 46,921

5,500 2,274

- Dividends

362

100

+ Other Comprehensive Income Balance at End of Period

-4,960 85,663

3,096 55,923

618

43,313

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