Capital Markets School - Case Study

8/17/22, 11:05 AM

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

FDIC Certificate # OCC Charter # 0 Public Report Earnings and Profitability Percent of Average Assets: Interest Income (TE) Net Interest Income (TE) + Noninterest Income - Noninterest Expense - Interest Expense

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Summary Ratios--Page 1

Summary Ratios

08/17/2022 11:04:17 AM

06/30/2022

06/30/2021

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

2.91 0.26 2.65 0.46 2.08 1.03 0.00 1.03 0.00 0.00 1.03 0.88 0.92 0.00 0.88 0.88

3.35 21 0.24 59 3.09 18 0.58 43 2.34 34 1.36 25 0.05 40 1.31 28 0.00 85 -0.01 96 1.31 29 1.09 33 1.13 32 0.00 99 1.01 37 1.08 33

3.13 0.29 2.84 0.46 2.34 0.96 0.09 0.87 0.00 0.00 0.87 0.79 0.81 0.00 0.79 0.79

3.58 21 0.34 45 3.23 24 0.71 33 2.40 48 1.59 14 0.07 63 1.51 13 0.01 66 0.00 88 1.53 12 1.28 17 1.34 15 0.00 98 1.19 19 1.28 17

3.13 0.27 2.86 0.66 2.28 1.24 0.22 N/A 1.02 0.00 0.00 1.02 0.90 1.09 0.00 0.90 0.90

3.52 23 0.30 45 3.21 25 0.70 55 2.42 43 1.53 28 0.07 89 0.00 N/A 1.45 19 0.01 59 0.00 87 1.47 18 1.23 24 1.28 34 0.00 98 1.15 26 1.23 24 94.89 44 68.17 99 3.73 23 0.32 45 3.39 25

3.67 0.49 3.19 0.47 2.49 1.17 0.18 N/A 0.99 0.01 0.00 1.00 0.91 1.07 0.00 0.91 0.91

3.94 31 0.56 41 3.36 35 0.74 34 2.60 44 1.56 23 0.21 46 0.00 N/A 1.33 24 0.02 61 0.00 90 1.37 23 1.15 31 1.31 32 0.00 99 1.06 34 1.14 31 94.64 16 71.26 98 4.17 38 0.59 43 3.56 41 0.08 47 82.90 69 1.38 65 47.74 74 1.36 66 0.04 64 0.56 46 0.63 41

4.34 0.86 3.48 0.86 2.83 1.51 0.28 1.23 0.00 1.23 1.14 1.39 0.00 1.14 1.14

4.46 0.83 3.62 0.71 2.80 1.58 0.12 1.45 0.01 1.47 1.22 1.27 0.00 1.15 1.22

41 54 39 68 53 46 87 33 59 31 44 61 98 49 44 98 54 58 50 50 66 69 68 70 76 50 48 34 47 17 91 31 62 79 77 37 52 7 70 28

Pre-Provision Net Revenue (TE) - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec Pretax Net Operating Income (TE)

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

N/A 0.00 N/A

Net Operating Income

Adjusted Net Operating Income Net Inc Attrib to Min Ints Net Income Adjusted Sub S

Net Income

Margin Analysis: Avg Earning Assets to Avg Assets Avg Int-Bearing Funds to Avg Assets Int Inc (TE) to Avg Earn Assets Int Expense to Avg Earn Assets Net Int Inc-TE to Avg Earn Assets Loan & Lease Analysis: Net Loss to Average Total LN&LS Earnings Coverage of Net Losses (X) LN&LS Allowance to LN&LS Not HFS LN&LS Allowance to Net Losses (X) LN&LS Allowance to Total LN&LS Total LN&LS-90+ Days Past Due

95.72 95.42 52 73.09 68.00 71

93.24 94.91 23 92.64 68.93 99

94.72 93.48 3.31 0.28 3.02

92.13 91.74 3.99 0.53 3.46 0.03 69.87 1.48 56.65 1.48 0.01 0.35 0.36

90.92 94.67 90.06 73.92

3.04 0.27 2.77

3.52 21 0.26 59 3.25 18

3.36 0.32 3.05

3.79 23 0.36 45 3.41 26

4.78 0.95 3.83

4.71 0.88 3.83

-0.08

0.01

9

0.13

0.02 89

0.06

0.03 75

0.05

0.10

N/A 213.47 N/A

13.78 214.11 17

43.77 167.88 43

47.09 57.83

1.68

1.38 77

1.56

1.40 68

1.77 33.04 1.77 0.06 0.24 0.30

1.42 79 89.61 49 1.41 79 0.02 82 0.41 47 0.46 49

1.40

1.25

N/A 130.76 N/A

11.57 108.45 24

30.54 32.18

1.67 0.00 0.17 0.17

1.37 77 0.02 56 0.34 46 0.39 41

1.55 0.00 0.29 0.29

1.39 69 0.03 56 0.47 47 0.54 41

1.39 0.07 0.46 0.52

1.24 0.05 0.58 0.66

-Nonaccrual

-Total

Liquidity Net Non Core Fund Dep New $250M Net Loans & Leases to Assets

11.01

-3.53 87

-2.43

-6.67 55

7.13 44.08

-7.91 84 58.91 15

-5.52 56.23

-3.83 42 64.51 26

9.79

3.22

47.78 60.80 20

46.81 61.11 16

63.27 69.34

Capitalization Leverage Ratio Total Capital Ratio

9.2878

9.97 39

9.2625

9.77 42

9.3859

9.81 44

9.0029

9.99 31 15.84 55 35.93 30 6.21 67 5.52 29

9.8657 10.76 14.8842 15.85 1.67 39.65

16.0295 15.80 60 17.8365 16.26 71 17.6815

16.10 70 15.6632

Cash Dividends to Net Income Retained Earnings to Avg Total Equity Rest+Nonac+RE Acq to Eqcap+ALLL

9.26 31.69 31

11.62 28.19 33

4.84 9.49 2.09

34.74 16 7.27 71 3.96 38

20.90 7.70 2.22

11.89 1.59

7.30 82 4.15 34

7.89 1.40

8.27 47 4.72 25

11.39 2.98

5.90 6.35

Growth Rates Total Assets Tier 1 Capital

16.21 20.35 18.61

6.59 87 9.59 87 6.67 86

19.97 11.68 83 24.28 10.02 90

34.03 38.43 5.06 -67.57 -37.01

12.26 95 10.43 95 3.18 61

28.63 16.17 14.33

19.34 82 8.67 85 11.70 64

7.72 12.24 10.90

6.97 8.13 6.07

Net Loans & Leases Short Term Investments Short Term Non Core Funding

-3.20

0.99 34

-87.60 -17.01

3

-1.57 41.73 32

25.50

4

463.45 109.39 92

9.53 51.21 6.59 11.67

111.88

7.46 91

-19.00

-6.36 39

-2.92 19

-18.48

6.50 31

Average Total Assets Total Equity Capital

979,086 46,060

785,662 77,126

835,779 85,662

659,155 66,446

527,008 55,923

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