Capital Markets School - Case Study

8/17/22, 11:01 AM

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

Balance Sheet $

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet $--Page 4

08/17/2022 10:59:24 AM

Percent Change

12/31/2021

09/30/2021

06/30/2021

03/31/2021

12/31/2020

1 Quarter

1 Year

Assets: Real Estate Loans Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income Net Loans & Leases

323,976 92,930 10,555

301,185 85,024 10,618

291,332 86,959 10,091

295,834 88,777 10,396

298,920 95,524 10,419

7.57 9.30 -0.59 -17.66 -5.32

8.38 -2.72 1.31 -8.51 -7.89 26.46

4,065 1,424 7,666

4,937 1,504 7,645

4,948 1,518 6,133

4,286 1,532 6,082

4,443 1,546 6,062

0.27 N/A 7.50 0.86 N/A

0

0

0

0

0

N/A 5.06

425,284 361,469 42,457

395,624 320,732 42,095

388,716 234,480 37,905

394,743 143,303 37,122

404,790 113,880 35,817

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Oth Assets Total Investments Total Earning Assets

12.70 217.41

18.54

0

0

0

0

0

N/A

39,724

34,414

16,894

8,179

300 N/A

15.43 13,141.33

N/A

N/A

N/A

N/A

N/A

N/A

34,389

35,946 9,880 443,067 838,691 0

84,243 9,880 383,402 772,118 9,170 17,429 0

141,294

101,330

-4.33 -66.06 -98.99 -98.99

100

9,880

9,880

0

0

0

N/A 7.92 7.72

N/A

478,139 903,423 7,413 18,929

339,778 734,521 9,542 16,664

261,207 665,997 7,448 16,762

83.05 35.65 -0.47 12.93

8,373 17,411

-11.47 8.72 N/A -1.86 11.11 7.58 9.95 N/A 17.52 6.27 -2.40 N/A 6.07 N/A N/A 5.83 9.42 N/A N/A N/A N/A 75.00 16.08 7.69 6.55 7.58

0

0

0

0

0

N/A

6,541

6,665

6,796

6,929

7,063

-7.39

0

0

0

0

0

N/A

28,551 964,857 927,871

25,697 896,837 843,920

24,888 830,401 816,875

22,717 790,373 754,449

22,600 719,870 698,795

26.33 34.03 32.78

Total Assets

Average Assets During Quarter

Liabilities: Demand Deposits

68,959 26,866 112,919 501,286 67,004

25

928

1,094 78,370 93,939 397,978 70,996

30,281 275,736.00 127.73

All Now & ATS Accounts Money Market Deposit Accounts

96,063 96,084 471,726 68,653

88,689 91,383 420,512 69,568

34,158 77,864 353,123 72,294

-72.03 -21.35

45.02 41.96 -7.32

Other savings Deposits

Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Federal Funds Purch & Resale Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Core Deposits Total Deposits

0

0

0

0

0

N/A

777,034

732,551

671,080

642,377

567,720

36.87

0

0

0

0

0

N/A

33,660

33,488

34,859

35,977

39,360

0.51 -14.48

N/A

N/A

N/A

N/A

N/A

N/A

810,695 29,465

766,039 26,929

705,939 24,493

678,354 23,848

607,080 21,996

33.54 33.96

0

0

0

0

0

N/A

35,000

20,000

20,000

20,000

20,000

75.00

0 0 0

0 0 0

0 0 0

0 0 0

0 0 0

N/A N/A N/A

4,035

3,476

2,843

2,437

4,348

-7.20 34.55 28.92 34.03

879,195 85,662 964,857

816,444 80,393 896,837

753,275 77,126 830,401

724,639 65,734 790,373

653,424 66,446 719,870

Total Liabilities & Capital

Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities

7

7

7

7

6

29,217

27,907

30,271

29,955

28,274

4.69 N/A

3.34 N/A

0

0

0

0

0

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