Capital Markets School - Case Study
8/17/22, 11:01 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
FDIC Certificate # OCC Charter # 0 Public Report Percent of Average Assets Loans Held For Sale Loans Not Held For Sale Less: LN&LS Allowance Net Loans & Leases
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet Percentage Composition--Page 6
Balance Sheet %
08/17/2022 10:59:24 AM
12/31/2021
09/30/2021
06/30/2021
03/31/2021
12/31/2020
BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
0.13 48.48 0.80 47.81
0.15 61.16 0.84 60.95 10.45 0.79 0.02 0.42 18.53 0.00
67 18 47 17 51 73 97 66 84 80 27 79 40 99 90 61 69 30 39 35 94 26 62 42 62 57 93 76 79 62 99 37 74 31 46 1
0.14 49.58 0.80 48.92 11.21 1.22 0.00 0.00 31.66 0.00 N/A
0.17 62.03 0.84 61.85 10.39 0.78 0.02 0.39 17.82 0.00
66 18 46 17 58 76 97 66 81 81 29 79 41 99 90 60 71 28 46 34 93 28 62 46 62 59 92 72 79 66 99 35 74 35 49 1
0.15 51.40 0.78 50.77 13.96 1.27 0.00 0.00 26.83 0.00 N/A
0.19 62.60 0.85 62.44 10.29 0.78 0.01 0.38 17.35 0.00
67 21 43 20 70 77 97 67 75 81 32 80 43 99 90 61 74 25 45 35 93 29 62 45 62 61 92 71 79 65 99 36 75 34 51 1
0.12 53.63 0.80 52.94 16.07 1.31 0.00 0.00 22.42 0.00 N/A
0.22 63.36 0.85 63.25 10.28 0.79 0.01 0.36 16.64 0.00
64 23 45 22 76 76 97 67 68 82 33 80 45 99 90 61 75 24 43 35 93 30 63 44 63 63 92 71 78 67 99 39 79 36 55 1
0.18 59.67 0.85 59.00
0.23 67.35 0.86 67.21
66 25 50 24 66 75 97 66 71 81 43 85 31 99 89 53 81 92 10 33 31 90 34 56 45 56 68 18 69 92 65 68 70 98 49 72 27 91 52 56 41
Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Held-to-Maturity Securities HTM Securities Allowance Available-for-Sale Securities Marketable Equity Sec at FV Nonint Cash & Due From Banks Premises, Fix Assts & Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Other Assets Total Earning Assets
9.45 0.94 0.00 0.00 N/A
9.91 1.33 0.00 0.00 N/A
7.84 0.73 0.01 0.39
0.00 N/A
0.00 N/A
0.00 N/A
0.00 N/A
0.00 N/A
34.95 0.00
21.79 0.00
15.30 0.01
93.16
94.16
93.01
94.13
92.82
94.12
92.73
94.10
92.03
93.82
1.00 2.07 0.00 0.81 0.00 2.96 6.84
1.56 1.41 0.04 0.01 0.00 2.57 5.84
1.07 2.11 0.00 0.85 0.00 2.96 6.99
1.57 1.42 0.05 0.01 0.00 2.57 5.87
1.12 2.17 0.00 0.89 0.00 3.00 7.18
1.56 1.43 0.05 0.01 0.00 2.59 5.88
1.12 2.21 0.00 0.93 0.00 3.00 7.27
1.55 1.44 0.05 0.01 0.00 2.60 5.90
1.36 2.58 0.00 1.13 0.00 2.90 7.97
1.57 1.55 0.07 0.01 0.00 2.74 6.19
Total Non-Earning Assets
Total Assets
100.00 100.00
99 100.00 100.00
99 100.00 100.00
99 100.00 100.00
99 100.00 100.00
Standby Letters of Credit
0.13
0.20
0.14
0.20
0.15
0.20
0.18
0.20
0.31
0.23
Liabilities Demand Deposits
2.41 7.71 11.24 51.03 8.29 0.00 80.69 0.00 4.22
22.07 10.60 16.09 14.46 13.15 0.66 80.78 0.66 4.14
1.00 9.18 11.10 50.76 8.70 0.00 80.73 0.00 4.44
21.57 10.18 16.33 14.60 13.48 0.70 80.45 0.70 4.21
1.38 8.60 11.24 50.06 9.09 0.00 80.37 0.00 4.71
21.18 9.99 16.32 14.72 13.75 0.72 80.19 0.72 4.30
2.08 7.45 11.38 49.73 9.49 0.00 80.13 0.00 4.99
20.47 9.69 16.33 15.08 14.01 0.73 79.90 0.73 4.37
5.10 4.17
17.67 8.57 15.85 15.59 16.27 0.99 77.67 0.99 5.01
All NOW & ATS Accounts Money Market Deposit Accounts 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 Other Savings Deposits Core Deposits
10.00 46.33 12.35 0.00 77.96 0.00 6.29
N/A
0.02 N/A
N/A
0.04 N/A
N/A
0.04 N/A
N/A
0.04 N/A
N/A
0.04 N/A
Total Deposits
84.91
86.45
85.17
86.25
85.08
86.14
85.11
85.95
84.25
84.68
Federal Funds Purch & Repos Total Fed Home Loan Borrowings
3.02 2.74 0.00 5.35 0.00 0.41
0.28 1.37 0.08 4.93 0.01 0.58
3.00 2.47 0.00 5.97 0.00 0.40
0.29 1.46 0.11 5.06 0.01 0.60
3.01 2.56 0.00 6.11 0.00 0.41
0.29 1.51 0.13 5.19 0.01 0.60
3.04 2.65 0.00 6.47 0.00 0.45
0.30 1.56 0.18 5.22 0.01 0.61
2.95 2.76 0.00 8.20 0.00 0.57
0.34 2.11 0.30 6.30 0.01 0.64
Total Other Borrowings
Memo: Sht Ter N Core Funding
Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Total Liabilities & Capital Memo: All Brokered Deposits Insured Brokered Deposits
91.07
89.82
91.05
89.79
91.06
89.79
91.25
89.78
90.53
89.30
8.93
10.18
25
8.95
10.21
25
8.94
10.21
24
8.75
10.22
20
9.47
10.70
100.00 100.00
94 100.00 100.00
94 100.00 100.00
94 100.00 100.00
94 100.00 100.00
0.00 0.00
0.90 0.66
58 62
0.00 0.00
0.95 0.70
58 62
0.00 0.00
0.96 0.72
59 62
0.00 0.00
0.96 0.73
59 63
0.00 0.00
1.24 0.99
Loans HFS as a % Loans
0.27
0.25
70
0.28
0.28
69
0.28
0.30
68
0.22
0.35
65
0.30
0.34
66
https://cdr.ffiec.gov/Public/Reports/UbprReportPrint.html
13/39
Made with FlippingBook flipbook maker