Capital Markets School - Case Study
8/17/22, 11:03 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
Concentrations of Credit 08/17/2022 11:02:21 AM
FDIC Certificate # OCC Charter # 0 Public Report
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Analysis of Concentrations of Credit--Page 7B
03/31/2022
03/31/2021
12/31/2021
12/31/2020
12/31/2019
Loan & Leases as a % of Tier 1 Capital Plus Allowance
BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT BANK PG 5 PCT
Real Estate Loans
343.24 432.22
27 421.12 434.35
46 341.91 433.72
25 433.38 444.65
46 473.37 469.62
50 87 71 90 64 59 90 51 54 34 47 82 17 99 59 66 68 76 63 69 18
Construction & Development 1-4 Family Construction Other Const & Land Development
67.07 11.20 55.87 18.16
44.14 13.98 27.71 36.35
74 52 83 50
75.62 14.31 61.30 25.56
40.48 12.30 26.28 33.84
84 62 89 57
60.63 11.32 49.31 18.84
43.14 13.61 27.35 35.48
71 51 80 51
75.16 15.88 59.28 30.30
41.01 12.39 26.64 33.96
83 65 88 60
86.05 20.01 66.04 39.14
44.86 13.37 29.49 33.73
Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
119.87 128.15
51 154.23 132.08
63 122.30 128.71
51 155.23 137.16
61 157.65 144.21
21.32
9.76
80
31.84
10.27
90
20.79
9.81
80
34.08
11.01
90
39.94
13.62
97.42 112.60
48 120.59 115.50
56 100.35 113.22
49 118.79 119.35
53 113.95 122.44
1.13 10.01
2.51 18.62
35 40
1.80 9.57
2.96 19.88
41 37
1.17 9.51
2.55 19.87
35 38
2.37 10.12
3.23 20.01
46 37
3.77 9.68
4.05 21.27
Multifamily
Non-Farm Non-Residential Owner Occupied Non-Farm Non Other Non-Farm Non-Residential RE Loans in Foreign Offices Residential
128.12 173.54
35 156.14 178.17
44 130.63 175.93
35 162.57 181.19
45 180.85 192.98
88.68 39.45
81.01 89.30
57 115.19
82.67 92.49
74 23
92.99 37.64
81.95 90.79
60 123.17
83.81 93.88
76 145.13
88.96
25
40.95
24
39.40
22
35.72 100.10
N/A
2.75 N/A
N/A
2.33 N/A
N/A
3.00 N/A
N/A
2.46 N/A
N/A
2.41 N/A
Financial Institution Loans
0.00 4.68
0.35 16.15 69.71 14.68 0.12 5.07 2.56 0.94
96 51 51 80 51 59 20
5.69 6.10
0.33 16.28 14.56 0.13 4.96 2.75 1.10
98 54 62 62 79 58 63 19
4.22 4.29
0.31 17.25 73.58 14.54 0.12 5.01 2.66 1.07
98 51 53 80 50 60 20
9.17 6.44
0.35 17.23 15.32 0.14 5.07 2.76 1.16
98 55 67 61 79 59 63 18
9.41 7.93
0.39 17.28 77.83 16.31 0.21 4.94 3.11 1.37
Agricultural Loans
Commercial & Industrial Loans
102.14 10.71
76 120.68 112.78
93.85 11.14 0.00 3.11 1.50 0.00
70 129.33 108.87
92.75 19.49 0.00 5.36 3.95 0.00
Loans to Individuals Credit Card Loans
14.80 0.00 4.18 2.18 0.00
15.11 0.00 4.35 2.24 0.00
0.00 3.20 1.46 0.00 N/A 0.00 N/A N/A
Auto Loans
Municipal Loans
Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables
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
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
0.14
83
0.16
82
0.15
82
0.17
82
0.25
80
Leases to Individuals All Other Leases
0.75 N/A 0.15 N/A
0.58 N/A 0.18 N/A
0.56 N/A 0.22 N/A
0.51 N/A 0.20 N/A
0.07 N/A 0.19 N/A
Supplemental: Loans to Finance Commercial Real Estate
0.13 0.00
0.35 0.02
81 99
2.14 0.00
0.37 0.03
88 99
0.12 0.00
0.32 0.01
81 99
0.78 0.00
0.41 0.03
85 99
2.59 0.00
0.49 0.09
87 99
Foreign Office Loans & Leases
Commercial Real Estate Loans as a % of Tier 1 Capital Plus Allowance: Non-owner OCC Commercial Real Estate Memo: NOO CRE 3-Year Growth Rate Commercial Real Estate Loans as a % of Total LN&LS: Construction & Development Non-owner OCC Commercial Real Estate Total Commercial Real Estate
116.66 163.02
35 128.27 161.74
39 107.90 163.84
31 125.47 164.22
37 134.04 175.83
36 76 53
87.53
43.34
82
79.46
36.14
83
65.34
42.03
73
70.48
36.28
80
65.26
39.93
205.33 248.12
38 243.47 248.33
48 200.89 249.83
38 248.63 252.14
49 279.16 269.73
14.51 25.24 44.42
7.92 28.97 44.35
83 41 49
13.25 22.48 42.67
6.66 26.32 40.65
87 39 55
13.27 23.61 43.97
7.64 28.71 44.05
82 37 49
12.62 21.06 41.74
6.68 26.40 40.79
86 36 53
14.18 22.09 46.00
7.37 28.69 44.26
87 34 53
Total Commercial Real Estate
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