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 Off Balance Sheet Items--Page 5
Off Balance Sheet Items 08/17/2022 11:02:21 AM
Percent Change 1 Quarter 1 Year
03/31/2022
03/31/2021
12/31/2021
12/31/2020
12/31/2019
Outstanding (% of Total Assets) Home Equity (1-4 Family)
BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
2.76 1.32 0.00 0.07 4.24 3.79 1.14 1.29 3.10 2.11 0.00 0.00 3.79 6.08 10.79 12.21
79 79 60 55 70 91 34
3.25 1.25 0.00 0.09 3.59 3.24 1.04 1.06 2.55 1.85 0.00 0.00 4.15 6.08
86 78 61 59 69 90 36
2.65 1.27 0.00 0.07 3.78 3.63 1.02 1.23 2.76 2.03 0.00 0.00 4.14 5.76
79 79 57 52 66 91 39
3.25 1.27 0.00 0.09 4.33 3.15 1.24 0.99 3.09 1.82 0.00 0.00 4.23 5.99
85 77 70 65 77 90 37
3.16 0.00 5.71 1.08 4.63 0.00 5.73
1.45 0.12 3.61 0.99 2.26 0.00 6.16
80 75 77 61 83 89 49 68
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land Commercial RE Not Secured by RE Total LN&LS Commitments Securities Underwriting Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit Assets Securitized or Sold w/Rec Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary All Other
42 10.99 11.50
48 10.56 11.63
44 11.81 11.33
55 14.59 12.29
N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
0.00 0.20
15
0.14 0.20
49
0.09 0.20
41
0.22 0.21
61
0.50
0.26
77
N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
0.00 0.00
89
0.18 0.00
95
0.11 0.00
94
0.00 0.00
89
0.00
0.00
88
0.00 0.45
78
0.00 0.51
77
0.00 0.47
78
0.00 0.51
78
0.00
0.52
75
N/A 0.03 N/A N/A 0.03 N/A N/A 0.03 N/A N/A 0.03 N/A N/A 0.03 N/A
N/A 0.00 N/A N/A 0.01 N/A N/A 0.00 N/A N/A 0.01 N/A N/A 0.01 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A N/A 0.00 N/A
All Oth Off-Balance Sheet Items
0.00 0.43
79
1.90 0.46
85
1.55 0.53
84
2.08 0.59
84
2.68
0.57
85
Off-Balance Sheet Items Outstanding ($000) Home Equity (1-4 Family)
10.79 14.58
33 13.21 13.97
51 12.31 14.20
44 14.12 13.99
56 17.77 15.06
66
27,339
25,681
25,527
23,398
17,666
7.10 6.46 N/A N/A 14.95 47.82 13.98 36.82 15.31 52.31 N/A N/A -6.07 14.20 N/A N/A N/A N/A
Credit Card
0
0
0
0
0
Commercial RE Secured by RE
41,955 11,245 30,710
28,382 8,219 20,163
36,499 9,866 26,633
31,159 8,915 22,244
31,941 6,052 25,889
1-4 Family Residential
Commercial RE, Oth Const & Land Commercial RE Not Secured by RE
0
0
0
0
0
All Other
37,475
32,816
39,898
30,462
32,047
Securities Underwriting
N/A N/A
N/A N/A
N/A
N/A
N/A
Memo: Unused Commit w/mat GT 1 YR
0
0
0
Standby Letters of Credit Amount Conveyed to Others Commercial Letters of Credit
0
1,091
864 N/A
1,587
2,778 -100.00 -100.00
N/A
N/A
N/A
N/A
N/A N/A
0
1,411
1,027
0
0 -100.00 -100.00
Assets Securitized or Sold w/recourse Amount of Recourse Exposure Credit Derivatives Bank as Guarantor Credit Derivatives Bank as Beneficiary
0
0
0
0
0
N/A N/A N/A N/A N/A N/A N/A N/A
N/A
N/A
N/A
N/A
N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
All Oth Off-Balance Sheet Items
0
15,009
15,002
15,009
15,009 -100.00 -100.00
Off-Balance Sheet Items
106,769
104,390
118,817
101,615
99,441 -10.14 2.28
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