Capital Markets School - Case Study

CLOYD BANK & TRUST RSSD-ID Last Updated on 4/30/2022

FFIEC 051 Report Date 3/31/2022

10

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases(FormType - 051) Part I includes charge-offs and recoveries through the allocated transfer risk reserve. (Column B) Recoveries Calendar year-to-date (Column A) Charge-offs Calendar year-to-date Dollar amounts in thousands

1.

1. Loans secured by real estate:

1.a.

a. Construction, land development, and other land loans:

0 0 0

1.a.1. 0 1.a.2. 0

RIADC891

RIADC892

1. 1-4 family residential construction loans.................................................................

RIADC893

RIADC894

2. Other construction loans and all land development and other land loans...............

1.b. 0

RIAD3584

RIAD3585

b. Secured by farmland.......................................................................................................

1.c.

c. Secured by 1-4 family residential properties:

1. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit.....................................................................................................

0

1.c.1. 0

RIAD5411

RIAD5412

1.c.2.

2. Closed-end loans secured by 1-4 family residential properties:

1 0 0

1.c.2.a. 0 1.c.2.b. 0

RIADC234

RIADC217

a. Secured by first liens........................................................................................

RIADC235

RIADC218

b. Secured by junior liens.....................................................................................

1.d. 0

RIAD3588

RIAD3589

d. Secured by multifamily (5 or more) residential properties..............................................

1.e.

e. Secured by nonfarm nonresidential properties:

0 0

1.e.1. 1 1.e.2. 1

RIADC895

RIADC896

1. Loans secured by owner-occupied nonfarm nonresidential properties...................

RIADC897

RIADC898

2. Loans secured by other nonfarm nonresidential properties....................................

2.

2. Not applicable

3.

3. Not applicable

0

4. 2

RIAD4638

RIAD4608

4. Commercial and industrial loans............................................................................................

5.

5. Loans to individuals for household, family, and other personal expenditures:

0 0

5.a. 0 5.b. 0

RIADB514

RIADB515

a. Credit cards....................................................................................................................

RIADK129

RIADK133

b. Automobile loans............................................................................................................ c. Other (includes revolving credit plans other than credit cards and other consumer loans).................................................................................................................................

12

5.c. 1

RIADK205

RIADK206

6.

6. Not applicable

7. All other loans 2 ......................................................................................................................

0 0

7. 194

RIAD4644

RIAD4628

8. 0

RIAD4266

RIAD4267

8. Lease financing receivables...................................................................................................

13

9. 199

RIAD4635

RIAD4605

9. Total (sum of items 1 through 8)............................................................................................ 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, Part I, items 4 and 7, above......................

0

M.1. 0

RIAD5409

RIAD5410

M.2.

2. Not applicable

Memorandum item 3 are to be completed by: * banks with $300 million or more in total assets, and * banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, Part I, item 3) exceeding 5 percent of total loans 3. Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, Part I, item 7, above) 2 .......................................................................................................

0

M.3. 194

RIAD4655

RIAD4665

2. Includes charge-offs and recoveries on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans." 2. The $300 million asset-size test and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2018, Report of Condition.