Capital Markets School - Case Study
8/17/22, 11:03 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
Capital Analysis-a 08/17/2022 11:02:21 AM
FDIC Certificate # OCC Charter # 0 Public Report Capital Ratios Percent of Bank Equity: Net Loans & Leases (x) Subord Notes & Debentures Com RE & Related Ventures Percent of Average Bank Equity: Net Income
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Capital Analysis--Page 11
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
6.65 0.00
6.52 50 0.05 99
6.01 0.00
6.31 43 0.07 99
4.96 0.00
5.93 29 0.05 99
6.09 0.00
6.28 45 0.09 98
6.33 0.00
6.27 0.10
49 98 63 58 17 91 16 28 85 82 70 55
295.63 264.09 58
260.50 236.58 57
219.33 239.46 45
258.22 236.04 56
298.65 253.63
9.67 0.00 9.67 0.00 6.68
10.84 42 3.19 43 7.02 69
9.18 1.59 7.60
12.62 26 3.01 49 8.97 40 23.11 51 10.02 16
9.97 0.48 9.49 4.84 8.88
12.18 32 4.36 15 7.27 71 34.91 15 10.03 27 6.96 92 -5.25 55 0.31 73 1.45 60 0.00 N/A 0.00 N/A 2.42 40
9.73 2.03 7.70
10.80 42 4.04 30 6.21 67 36.45 29 10.45 26 11.04 84 -7.96 41 0.29 72 1.61 58 0.00 N/A 0.00 N/A 2.55 38
11.59 0.19 11.39
11.02 4.63 5.90 40.07 11.21 11.60 4.82
Dividends
Retained Earnings
Other Capital Ratios: Dividends to Net Operating Income Bank Eq Cap + Min Int to Assets
28.02 42
17.27 8.32
20.90 9.23 18.82 -9.81
1.67 9.99
9.09
9
Growth Rates:
Total Equity Capital
0.57
-1.95 57
17.47
9.70 83
28.92 -5.11
19.19 11.47
Equity Growth Less Asst Growth Intang Assets % Bank Equity Mortgage Servicing Rights
-24.67 -10.79 15
-14.36 -12.75 42
0.00 0.00 N/A N/A 0.00
0.33 74 1.67 60 0.00 N/A 0.00 N/A 2.75 41
0.00 0.00 N/A N/A 0.00
0.30 72 1.55 59 0.00 N/A 0.00 N/A 2.50 39
0.00 0.00 N/A N/A 0.00
0.00 0.00 N/A N/A 0.00
0.00 0.00 N/A N/A 0.00
0.27 1.94
Goodwill
Purch Credit Card Relations
0.00 N/A 0.00 N/A
All Other Intangibles Total Intangibles
2.93
35
Leverage Ratio
9.0951
9.80 36
8.5051
9.94 20
9.3859
9.81 44
9.0029
9.99 31
9.8657
10.76
34
Standardized Capital Ratios Com Equity Tier 1 Cap Ratio
15.6671 15.6671 16.9187
14.84 65 14.6990 14.86 65 14.6990 15.98 66 15.9507
14.93 54 16.4291 14.95 54 16.4291 16.10 56 17.6815
14.95 69 14.4115 14.97 69 14.4115 16.10 70 15.6632
14.67 54 13.6342 14.68 54 13.6342 15.84 55 14.8842
14.76 14.78 15.85
45 45 47
Tier 1 Capital Ratio Total Capital Ratio
Adv App Cap Ratios Com Equity Tier 1 Cap Ratio
N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A
N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A
N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A
N/A N/A N/A
0.00 N/A 0.00 N/A 0.00 N/A
N/A 82.30 N/A N/A 82.30 N/A N/A 82.30 N/A
Tier 1 Capital Ratio Total Capital Ratio
End of Period Capital ($000) Perpetual Preferred
0
0
0
0
0
+ Common Stock
11
11
11
11
11
+ Surplus
50,353 38,561 -22,814
33,299 30,857 1,567
50,353 36,725 -1,427
33,299 29,602 3,534
29,295 24,850 1,767
+ Retained Earnings
+ Accum Other Comp Income + Other Equity Capital Comp Total Bank Equity Capital Minority Interest Cons Subs Total Bank Capital & Min Int
0
0
0
0
0
66,111
65,734
85,662
66,446
55,923
0
0
0
0
0
66,111
65,734
85,662
66,446
55,923
Subordinated Notes & Debentures
0
0
0
0
0
Changes in Bank Equity ($000) Balance at Beginning of Period + Sales or Purchase of Capital + Merger & Absorptions + Restate due to Acctg Error&Chg + Net Income
85,663 1,835
66,445 1,517
66,445 7,486
55,923 6,006
46,921 6,006
0 0 0 0 0
0 0 0 3
0 0 0
0 0 0
0 0 0 0
+ Trans with Parent
17,054
4,004 1,255 1,767 66,445
- Dividends
262
362
100
+ Other Comprehensive Income Balance at End of Period
-21,387 66,111
-1,969 65,734
-4,960 85,663
3,096 55,923
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