Capital Markets School - Case Study

8/17/22, 11:03 AM

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

Balance Sheet $

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet $--Page 4

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 Quarter

1 Year

Assets: Real Estate Loans Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income Net Loans & Leases

332,173 98,850 10,360

295,834 88,777 10,396

323,976 92,930 10,555

298,920 95,524 10,419

280,067 60,444 11,533

2.53 6.37 -1.85 11.49 -0.98 2.43 N/A 3.34

12.28 11.35 -0.35 5.74 -7.96 29.10

4,532 1,410 7,852

4,286 1,532 6,082

4,065 1,424 7,666

4,443 1,546 6,062

4,692 2,339 5,008

0

0

0

0

0

N/A

439,473 369,021 38,513

394,743 143,303 37,122

425,284 361,469 42,457

404,790 113,880 35,817

354,067 102,528 34,027

11.33

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Oth Assets Total Investments Total Earning Assets

2.09 157.51

-9.29

3.75 N/A

0

0

0

0

0

N/A

37,380

8,179

39,724

300 N/A

300 N/A

-5.90 357.02

N/A

N/A

N/A

N/A

N/A

36,954

141,294

34,389

101,330

17,693

7.46 -73.85 0.00 -98.99

100

9,880

100

9,880

880

0

0

0

0

0

N/A 0.80 1.99

N/A

481,968 921,441 4,891 19,938

339,778 734,521 9,542 16,664

478,139 903,423 7,413 18,929

261,207 665,997 7,448 16,762

155,428 509,495

41.85 25.45

7,615 -34.02 -48.74

17,039

5.33 N/A -1.91 30.36 2.60 5.37 N/A

19.65

0

0

0

0

0

N/A

6,416

6,929

6,541

7,063

7,575

-7.40

0

0

0

0

0

N/A

37,219 989,905 977,725

22,717 790,373 754,449

28,551 964,857 927,871

22,600 719,870 698,795

17,930 559,654 548,931

63.84 25.25 29.59

Total Assets

Average Assets During Quarter

Liabilities: Demand Deposits

323,572 259,121 114,011 43,468 66,045

1,094 78,370 93,939 397,978 70,996

68,959 26,866 112,919 501,286 67,004

30,281 34,158 77,864 353,123 72,294

29,310 369.22 29,476.97 22,264 864.49 230.64

All Now & ATS Accounts Money Market Deposit Accounts

46,384

0.97

21.37

Other savings Deposits

249,839 -91.33 -89.08

Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Federal Funds Purch & Resale Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Core Deposits Total Deposits

84,100

-1.43 N/A 3.76 N/A 2.98 N/A 3.72 17.30

-6.97

0

0

0

0

0

N/A

806,217

642,377

777,034

567,720

431,897

25.51

0

0

0

0

0

N/A

34,662

35,977

33,660

39,360

44,704

-3.66

N/A

N/A

N/A

N/A

N/A

N/A

840,880 34,562

678,354 23,848

810,695 29,465

607,080 21,996

476,600 13,105 10,000

23.96 44.93

0

0

0

0

N/A

N/A

45,000

20,000

35,000

20,000

0 0 0 0

28.57 125.00

0 0 0

0 0 0

0 0 0

0 0 0

N/A N/A N/A

N/A N/A N/A

3,352

2,437

4,035

4,348

4,026 -16.93

37.55 27.48 0.57 25.25

923,794 66,111 989,905

724,639 65,734 790,373

879,195 85,662 964,857

653,424 66,446 719,870

503,731

5.07

55,923 -22.82

Total Liabilities & Capital

559,654

2.60

Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities

7

7

7

6

5

31,935

29,955

29,217

28,274

24,776

9.30 N/A

6.61 N/A

0

0

0

0

0

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