Capital Markets School - Case Study

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

FFIEC 051 Report Date 3/31/2022

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Schedule RC-C Part I - Loans and Leases(FormType - 051) Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper. Dollar amounts in thousands 1. 1. Loans secured by real estate: 1.a. a. Construction, land development, and other land loans: 1.a.1. 10,841 RCONF158 1. 1-4 family residential construction loans....................................................................................................... 1.a.2. 54,068 RCONF159 2. Other construction loans and all land development and other land loans..................................................... 1.b. 17,577 RCON1420 b. Secured by farmland (including farm residential and other improvements).......................................................... 1.c. c. Secured by 1-4 family residential properties: 1.c.1. 20,634 RCON1797 1. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit. 1.c.2. 2. Closed-end loans secured by 1-4 family residential properties: 1.c.2.a. 94,276 RCON5367 a. Secured by first liens............................................................................................................................. 1.c.2.b. 1,096 RCON5368 b. Secured by junior liens........................................................................................................................... 1.d. 9,688 RCON1460 d. Secured by multifamily (5 or more) residential properties.................................................................................... 1.e. e. Secured by nonfarm nonresidential properties: 1.e.1. 85,819 RCONF160 1. Loans secured by owner-occupied nonfarm nonresidential properties......................................................... 1.e.2. 38,174 RCONF161 2. Loans secured by other nonfarm nonresidential properties.......................................................................... 2. NR RCON1288 2. Loans to depository institutions and acceptances of other banks............................................................................... 3. 4,532 RCON1590 3. Loans to finance agricultural production and other loans to farmers........................................................................... 4. 98,850 RCON1766 4. Commercial and industrial loans................................................................................................................................. 5. 5. Not applicable

6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):

6.

6.a. 0

RCONB538

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

6.b. 1,574 6.c. 3,099

RCONB539

b. Other revolving credit plans..................................................................................................................................

RCONK137

c. Automobile loans.................................................................................................................................................. d. Other consumer loans (includes single payment and installment, loans other than automobile loans, and all student loans)...........................................................................................................................................................

6.d. 5,687

RCONK207

7.

7. Not applicable

8. 1,410

RCON2107

8. Obligations (other than securities and leases) of states and political subdivisions in the U.S.....................................

9.

9. Loans to nondepository financial institutions and other loans:

9.a. 0 9.b. 0 10. 0 11. 0

RCONJ454

a. Loans to nondepository financial institutions........................................................................................................

RCONJ464

b. Other loans...........................................................................................................................................................

RCON2165

10. Lease financing receivables (net of unearned income).............................................................................................

RCON2123

11. LESS: Any unearned income on loans reflected in items 1-9 above......................................................................... 12. Total loans and leases held for investment and held for sale (sum of items 1 through 10 minus item 11) (must equal Schedule RC, sum of items 4.a and 4.b).........................................................................................................................

12. 447,325

RCON2122