Capital Markets School - Case Study
8/17/22, 11:01 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
Concentrations of Credit 08/17/2022 10:59:24 AM
FDIC Certificate # OCC Charter # 0 Public Report
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Analysis of Concentrations of Credit--Page 7B
12/31/2021
09/30/2021
06/30/2021
03/31/2021
12/31/2020
Loan & Leases as a % of Tier 1 Capital Plus Allowance
BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
Real Estate Loans
341.91 433.72
25 350.93 432.76
28 356.17 432.60
28 421.12 434.35
46 433.38 444.65
46 83 65 88 60 61 90 53 46 37 45 76 22 98 55 67 61 79 59 63 18
Construction & Development 1-4 Family Construction Other Const & Land Development
60.63 11.32 49.31 18.84
43.14 13.61 27.35 35.48
71 51 80 51
62.46 12.52 49.94 21.10
42.28 13.28 26.89 34.30
74 56 81 53
60.81 11.03 49.78 24.14
40.90 12.55 26.37 33.71
73 52 82 56
75.62 14.31 61.30 25.56
40.48 12.30 26.28 33.84
84 62 89 57
75.16 15.88 59.28 30.30
41.01 12.39 26.64 33.96
Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
122.30 128.71
51 130.55 130.01
55 130.99 129.83
55 154.23 132.08
63 155.23 137.16
20.79
9.81
80
23.22
10.03
83
24.69
10.12
85
31.84
10.27
90
34.08
11.01
100.35 113.22
49 106.01 114.15
51 104.86 113.71
51 120.59 115.50
56 118.79 119.35
1.17 9.51
2.55 19.87
35 38
1.32 10.13
2.66 19.97
37 39
1.44 8.78
2.78 20.35
37 36
1.80 9.57
2.96 19.88
41 37
2.37 10.12
3.23 20.01
Multifamily
Non-Farm Non-Residential Owner Occupied Non-Farm Non Other Non-Farm Non-Residential RE Loans in Foreign Offices Residential
130.63 175.93
35 126.70 176.48
33 131.46 177.72
35 156.14 178.17
44 162.57 181.19
92.99 37.64
81.95 90.79
60 24
92.29 34.40
82.33 91.10
61 21
95.40 36.06
82.33 92.36
62 115.19
82.67 92.49
74 123.17
83.81 93.88
21
40.95
23
39.40
N/A
3.00 N/A
N/A
1.98 N/A
N/A
2.45 N/A
N/A
2.33 N/A
N/A
2.46 N/A
Financial Institution Loans
4.22 4.29
0.31 17.25 73.58 14.54 0.12 5.01 2.66 1.07
98 51 70 53 80 50 60 20
4.66 5.75
0.34 16.83 80.80 14.60 0.12 4.98 2.70 1.02
98 53 57 80 52 61 20
4.89 6.05
0.34 16.47 98.49 14.41 0.13 4.93 2.76 1.04
98 54 57 80 53 61 19
5.69 6.10
0.33 16.28 14.56 0.13 4.96 2.75 1.10
98 54 62 79 58 63 19
9.17 6.44
0.35 17.23 15.32 0.14 5.07 2.76 1.16
Agricultural Loans
Commercial & Industrial Loans
93.85 11.14 0.00 3.11 1.50 0.00
94.41 12.37 0.00 3.28 1.75 0.00
65 101.42
58 120.68 112.78
62 129.33 108.87
Loans to Individuals Credit Card Loans
12.34 0.00 3.47 1.86 0.00
14.80 0.00 4.18 2.18 0.00
15.11 0.00 4.35 2.24 0.00
Auto Loans
Municipal Loans
Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
0.15
82
0.15
82
0.15
82
0.16
82
0.17
82
Leases to Individuals All Other Leases
0.56 N/A 0.22 N/A
0.55 N/A 0.19 N/A
0.54 N/A 0.18 N/A
0.58 N/A 0.18 N/A
0.51 N/A 0.20 N/A
Supplemental: Loans to Finance Commercial Real Estate
0.12 0.00
0.32 0.01
81 99
0.21 0.00
0.35 0.03
82 99
1.69 0.00
0.37 0.03
87 99
2.14 0.00
0.37 0.03
88 99
0.78 0.00
0.41 0.03
85 99
Foreign Office Loans & Leases
Commercial Real Estate Loans as a % of Tier 1 Capital Plus Allowance: Non-owner OCC Commercial Real Estate Memo: NOO CRE 3-Year Growth Rate Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development Non-owner OCC Commercial Real Estate Total Commercial Real Estate
107.90 163.84
31 107.20 162.66
30 107.33 162.76
31 128.27 161.74
39 125.47 164.22
37 80 49
65.34
42.03
73
65.48
39.50
74
73.51
38.12
79
79.46
36.14
83
70.48
36.28
200.89 249.83
38 199.49 248.85
36 202.73 249.04
37 243.47 248.33
48 248.63 252.14
13.27 23.61 43.97
7.64 28.71 44.05
82 37 49
13.29 22.81 42.46
7.37 28.12 43.29
84 37 47
12.60 22.23 42.00
6.93 27.28 42.01
84 37 50
13.25 22.48 42.67
6.66 26.32 40.65
87 39 55
12.62 21.06 41.74
6.68 26.40 40.79
86 36 53
Total Commercial Real Estate
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