Capital Markets School - Case Study

8/17/22, 11:03 AM

Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Income Statement $--Page 2

Income Statement $ 08/17/2022 11:02:21 AM

Percent Change

03/31/2022

03/31/2021

12/31/2021

12/31/2020

12/31/2019

1 Year

Interest and Fees on Loans Income From Lease Financing

4,887

5,157

20,866

20,293

18,445

-5.24

0 2 1

0 3 1

0

0

0

N/A

Tax-Exempt

11

27

44 12

-33.33 -33.34 -5.24 246.15 192.90 26.40 13.50 26.40 134.05 -75.41 -25.00

Estimated Tax Benefit

3

7

Income on Loans & Leases (TE)

4,888

5,158

20,869

20,300

18,457

US Treas & Agency (Excl MBS) Mortgage Backed Securities

135

39

289

183

231

1,485

507

3,548

2,146

2,474

Estimated Tax Benefit All Other Securities

66

52

214

228 961 859

240

269 249

237 197 835

1,005

1,026

Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales

806

904

1,955

5,056

3,518

3,971

15

61

176

302

396

3

4

23

32

21

Trading Account Income Other Interest Income

N/A

N/A

N/A

N/A

N/A

N/A

15

13

45

56

38

15.38

Total Interest Income (TE)

6,876

6,071

26,169

24,209

22,883

13.25

Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures

N/A 474 N/A N/A 43

N/A 493 N/A N/A 30

N/A

N/A

N/A

N/A

1,929

2,931

4,334

-3.85 43.33

144 N/A N/A 169

122 N/A N/A 144

103 N/A N/A

N/A N/A

Other Interest Expense

43

38

93

13.16

Total Interest Expense

560

561

2,242

3,197

4,530

-0.18

Net Interest Income (TE) Non-interest Income

6,316

5,510

23,927 5,507 29,434 19,063 10,371 1,836

21,012 3,123 24,135 16,423 7,712 1,161

18,353 4,520 22,873 14,898 7,975 1,479

14.62 2.32 12.96 15.90 6.28

882

862

Adjusted Operating Income (TE)

7,198

6,372

Non-Interest Expense

5,125 2,073

4,422 1,950

Pre-Provision Net Revenue (TE) Provision: Loan & Lease Losses Provision: Credit Losses Other Assets Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities Pretax Net Operating Inc (TE)

0

286 N/A

-100.00

N/A

N/A

N/A

N/A

N/A

2,073

1,664

8,535

6,551

6,496

24.55

0 0 0

0 0 0

0 1 0

0

0

N/A N/A N/A

65

10

0

N/A

2,073

1,664

8,536

6,616

6,506

24.55

Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments Applicable Income Taxes (TE)

171

94 53

833 217

374 236

248 252

81.91 25.50

67

0

0

0

0

0

N/A

238

147

1,050

610

500

61.53

Net Operating Income

1,835

1,517

7,486

6,006

6,006

20.96

Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests

0 0

0 0

0 0

0 0

0 0

N/A N/A

Net Income

1,835

1,517

7,486

6,006

6,006

20.96

Cash Dividends Declared

0

262

362

1,255

100

-100.00

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