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

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Income Statement $--Page 2

Income Statement $ 08/17/2022 11:04:17 AM

Percent Change

06/30/2022

06/30/2021

12/31/2021

12/31/2020

12/31/2019

1 Year

Interest and Fees on Loans Income From Lease Financing

10,108

10,210

20,866

20,293

18,445

-1.00

0 4 1

0 6 2

0

0

0

N/A

Tax-Exempt

11

27

44 12

-33.33 -33.33 -1.00 188.66 147.15 25.32 11.88 25.32 109.24 -45.90 -75.00

Estimated Tax Benefit

3

7

Income on Loans & Leases (TE)

10,109

10,212

20,869

20,300

18,457

US Treas & Agency (Excl MBS) Mortgage Backed Securities

280

97

289

183

231

3,119

1,262

3,548

2,146

2,474

Estimated Tax Benefit All Other Securities

132 537 495

105 480 395

214

228 961 859

240

1,005

1,026

Tax-Exempt Securities Income Investment Interest Income (TE) Interest on Due From Banks Int on Fed Funds Sold & Resales

806

904

4,068

1,944

5,056

3,518

3,971

66

122

176

302

396

3

12

23

32

21

Trading Account Income Other Interest Income

N/A

N/A

N/A

N/A

N/A

N/A

15

25

45

56

38

-40.00

Total Interest Income (TE)

14,261

12,315

26,169

24,209

22,883

15.80

Int on Deposits in Foreign Off Interest on Domestic Deposits Int on Fed Funds Purch & Repos Int Trad Liab & Oth Borrowings Int on Sub Notes & Debentures

N/A

N/A

N/A

N/A

N/A

N/A 2.95 N/A N/A 95.24 52.63 16.27 25.40 17.54 10.66 34.35 11.26

1,046

1,016

1,929

2,931

4,334

123 N/A N/A 116

63

144 N/A N/A 169

122 N/A N/A 144

103 N/A N/A

N/A N/A

Other Interest Expense

76

93

Total Interest Expense

1,285

1,155

2,242

3,197

4,530

Net Interest Income (TE) Non-interest Income

12,976 2,246 15,222 10,172 5,050

11,160 1,791 12,951

23,927 5,507 29,434 19,063 10,371 1,836

21,012 3,123 24,135 16,423 7,712 1,161

18,353 4,520 22,873 14,898 7,975 1,479

Adjusted Operating Income (TE)

Non-Interest Expense

9,192 3,759

Pre-Provision Net Revenue (TE) Provision: Loan & Lease Losses Provision: Credit Losses Other Assets Pretax Operating Income (TE) Realized G/L Hld-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities Pretax Net Operating Inc (TE)

0

336 N/A

-100.00

N/A

N/A

N/A

N/A

N/A

5,050

3,423

8,535

6,551

6,496

47.54

0 0 0

0 0 0

0 1 0

0

0

N/A N/A N/A

65

10

0

N/A

5,050

3,423

8,536

6,616

6,506

47.54

Applicable Income Taxes Current Tax Equiv Adjustment Other Tax Equiv Adjustments Applicable Income Taxes (TE)

597 133

202 107

833 217

374 236

248 252

195.54 24.44

0

0

0

0

0

N/A

730

309

1,050

610

500

136.44

Net Operating Income

4,320

3,114

7,486

6,006

6,006

38.73

Net Discontinued / Extraordinary Items Net Inc Noncontrolling Minority Interests

0 0

0 0

0 0

0 0

0 0

N/A N/A

Net Income

4,320

3,114

7,486

6,006

6,006

38.73

Cash Dividends Declared

400

362

362

1,255

100

10.50

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