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-K - Quarterly Averages(FormType - 051) Dollar amounts in thousands 1. Interest-bearing balances due from depository institutions......................................................................................... 2. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities) 2 ............ 3. Mortgage-backed securities 2 ....................................................................................................................................... 4. All other debt securities and equity securities with readily determinable fair values not held for trading purposes 2 ....

1. 25,739

RCON3381

2. 33,553

RCONB558

3. 388,752

RCONB559

4. 42,397

RCONB560

5. 100

RCON3365

5. Federal funds sold and securities purchased under agreements to resell..................................................................

6.

6. Loans:

6.a. 441,705

RCON3360

a. Total loans............................................................................................................................................................

6.b.

b. Loans secured by real estate:

6.b.1. 116,461 6.b.2. 218,943

RCON3465

1. Loans secured by 1-4 family residential properties.......................................................................................

RCON3466

2. All other loans secured by real estate...........................................................................................................

6.c. 92,087

RCON3387

c. Commercial and industrial loans..........................................................................................................................

6.d.

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

6.d.1. 0

RCONB561

1. Credit cards................................................................................................................................................... 2. Other (includes revolving credit plans other than credit cards, automobile loans, and other consumer loans)................................................................................................................................................................

6.d.2. 9,656

RCONB562

7.

7. Not applicable

8. 0

RCON3484

8. Lease financing receivables (net of unearned income)............................................................................................... 9. Total assets 4 ................................................................................................................................................................ 10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts).............................................................................................................

9. 977,725

RCON3368

10. 358,435

RCON3485

11.

11. Nontransaction accounts:

11.a. 157,808 11.b. 67,145 11.c. 34,076

RCONB563

a. Savings deposits (includes MMDAs)....................................................................................................................

RCONHK16

b. Time deposits of $250,000 or less........................................................................................................................

RCONHK17

c. Time deposits of more than $250,000..................................................................................................................

12. 29,993

RCON3353

12. Federal funds purchased and securities sold under agreements to repurchase.......................................................

To be completed by banks with $100 million or more in total assets: 13. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) 5 .................... Memorandum item 1 is 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 1, item 3) exceeding 5 percent of total loans. 1. Loans to finance agricultural production and other loans to farmers 2 ........................................................................

13. 42,848

RCON3355

M.1. 4,907

RCON3386

2. Quarterly averages for all debt securities should be based on amortized cost. 2. Quarterly averages for all debt securities should be based on amortized cost. 4.

The quarterly average for total assets should reflect securities not held for trading as follows: a) Debt securities at amortized cost, b) Equity securities with readily determinable fair values at fair value, and c) Equity investments without readily determinable fair values, their balance sheet carrying values (i.e., fair value or, if elected, cost minus impairment, if any, plus or minus changes resulting from observable price changes). 5. The asset-size tests and the 5 percent of total loans test are based on the total assets and total loans reported on the June 30, 2021, Report of Condition. 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.