Capital Markets School - Case Study
8/17/22, 11:03 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
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CLOYD BANK & TRUST; GREENBOW , AL Analysis of Loan Allowance and Loan Mix--Page 7
Allowance & Loan Mix-a 08/17/2022 11:02:21 AM
03/31/2022
03/31/2021
12/31/2021
12/31/2020
12/31/2019
BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
Loss Provision to Average Assets Recoveries to Prior Credit Loss Net Loss to Average Total LN&LS Gross Loss to Average Total LN&LS Recoveries to Average Total LN&LS
0.00
0.04 81.92
47
0.15
0.08 52.38
77
0.22
0.07 73.31
89 65 75 71 58 79 79 49 66 79 11 96 95 82 94 84 10 98 88 91 9 43
0.18
0.21
46 60 47 43 49 65 66 74 62 61 92 96 94 91 72 89 76 12 98 16 80 69
0.28 26.82
0.12 60.84
87 44 50 45 50 69 70 68 58 57 88 94 91 91 56 87 60 88 97 77 82 66
224.86
85 75.51
76 62.24
36.33 53.05
-0.17 0.01 0.18 1.76 1.76
0.01 0.03 0.03 1.42 1.41
4
0.26 0.30 0.04 1.52 1.52
0.01 0.04 0.03 1.39 1.37
94 94 70 67 68
0.06 0.09 0.03 1.77 1.77
0.03 0.06 0.04 1.42 1.41
0.03 0.05 0.02 1.48 1.48
0.08 0.11 0.03 1.38 1.36
0.05 0.07 0.02 1.40 1.39
0.10 0.14 0.04 1.25 1.24
53 92 78 78
LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Total LN&LS LN&LS Allowance to Net Losses (X) LN&LS Allowance to Nonaccrual LN&LS (X)
N/A 122.52 N/A 5.72
85.10 6.15
15 33.04
89.61 9.70
56.65 47.74
30.54 3.06
32.18 4.64
5.69
11.14
56
5.21
65
7.46
4.25
6.27
Earnings Coverage of Net Losses (X)
N/A 190.74 N/A 7.13 181.62
10 43.77 167.88
69.87 82.90
47.09
57.83
Net Losses by Type of LN&LS Real Estate Loans Construction & Land Development
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 0.00 -0.01 0.46 N/A 0.00 0.00 N/A N/A N/A N/A N/A N/A -15.81 -0.01
-0.01 -0.01 -0.03 -0.01 -0.12 -0.01 -0.02 0.00 -0.23 0.00 -0.02 -0.02 -0.01 -0.03 -0.01 0.15 0.01 0.27
38 98 99 99 98 91 98 93 98 99 12 11
0.05 -0.05 0.00 -0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.22 -0.01 8.97 0.60 -0.31 -0.67 0.00 N/A N/A
0.00 -0.02 0.01 -0.03 0.01 0.00 -0.03 0.00 -0.20 -0.01 0.00 -0.02 -0.01 -0.02 0.00 0.11 0.00 0.05
91
0.02 -0.01 0.00 -0.01 0.00 0.01 0.01 0.02 -0.24 0.00 0.04 0.05 -0.01 1.58 0.11 0.15 N/A -0.24 0.00 N/A
0.00 0.00 0.02 -0.04 -0.01 0.00 0.00 0.00 -0.31 0.06 0.00 0.00 0.00 0.01 0.04 0.17 0.03 0.26
0.01 0.02 0.00 0.03 0.00 0.02 0.00 0.03 -0.10 0.00 0.00 0.00 -0.02 -0.31 0.03 0.66 0.13 0.00
0.03 0.00 0.02 0.00 0.00 0.01 0.00 0.01 -0.02 0.02 0.03 0.02 0.01 0.02 0.13 0.28 0.11 0.37
0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.04 -0.02 -0.64 0.17 0.67 N/A 0.08 0.00 N/A N/A N/A N/A N/A
0.03 0.00 0.00 0.00 0.00 0.02 0.00 0.02 -0.02 0.00 0.03 0.02 0.01 0.02 0.21 0.41 0.15 0.62
5
1-4 Family Construction Other Construction & Land Secured by Farmland 1-4 Family Residential Loans Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
98
5
98 88 97 89 98 99 96 97
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential RE Loans in Foreign Offices
5
5
9
7
6
0.00 N/A
0.00 N/A
0.00 N/A
N/A 0.00 N/A
N/A 20.93 N/A
Agricultural Loans
0
99 95 10
98 80 61
0
0
Commercial and Industrial Loans
33 83 84 81
56 82 72 72
66 74 63 68
Loans to Individuals Credit Card Plans
0.48 N/A
0.47 N/A
0.60 N/A
N/A 1.09 N/A
1.30 N/A
Auto Loans
3
6
Non-Depository, Other & Muni Loans Financial Institution Loans Loans to Foreign Governments
85
75
0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A
N/A N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A 0.08 N/A
N/A N/A N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.06 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
0.00 N/A 0.00 N/A 0.01 N/A 0.00 N/A 0.01 N/A
Lease Financing
N/A -0.32 N/A
Leases to Individuals All Other Leases
Supplemental: Loans to Finance Comml Real Estate Change: Loan Allowance ($000) Beginning Balance
0.00
-1.84
99
0.00
0.06
98
0.00
-0.06
98
0.00
0.05
98
0.00
0.30
97
7,666
6,062
6,062
5,008
3,693
Gross Credit Losses
13
303
354
196
245
Memo: Loans HFS Write-down
0
0
0
0
0
Recoveries
199 -186
37
122 232
89
81
Net Credit Losses
266
107
164
Provision: Loan & Lease Losses
0 0
286
1,836
1,161
1,479
Other Adjustments LN&LS Allowance
0
0
0
0
7,852
6,082
7,666
6,062
5,008
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