Capital Markets School - Case Study

8/17/22, 11:05 AM

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

Non Int Inc, Exp, Yields 08/17/2022 11:04:17 AM

FDIC Certificate # OCC Charter # 0 Public Report Percent of Average Assets

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Noninterest Income, Expenses and Yields--Page 3

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

Personnel Expense Occupancy Expense

1.15 0.17 0.75 2.08 1.62

1.37 0.26 0.70 2.34 1.73

29 21 61 34 40 62 43 62 40 41 40 35 46 20 71 42 46 71 49 75 62 98 53 80 76 19 71

1.21 0.20 0.93 2.34 1.88

1.42 0.27 0.71 2.40 1.65

31 27 82 48 68 80 30 56 54 54 45 37 51 57 72 53 58 92 62 78 65 92 28 54 61 15 78

1.18 0.19 0.92 2.28 1.62

1.42 0.26 0.72 2.42 1.68

27 24 80 43 43 61 26 66 57 58 43 39 49 61 72 43 50 83 58 77 64 91 26 49 60 16 74

1.32 0.24 0.93 2.49 2.02

1.53 0.29 0.76 2.60 1.81

31 35 76 44 65 70 28 54 54 54 75 71 68 14 75 68 73 94 71 76 54 47 26 49 47 21 90

1.58 0.29 0.96 2.83 1.97

1.64 0.32 0.83 2.80 2.04

45 43 71 53 44 52 33 46 63 63 62 70 50 42 81 78 81 93 79 67 78 80 41 52 56 37 86

Other Oper Exp (Incl Intangibles) Total Overhead Expense Overhead Less Nonint Inc Other Income & Expense Ratios: Efficiency Ratio Avg Personnel Exp Per Empl($000) Assets Per Employee ($Million)

66.83 63.38 83.72 90.58

70.98 60.73 74.55 88.63

64.76 61.70 75.00 90.09

68.05 62.70 73.97 88.17

65.13 73.53 4.95

63.95 84.50 5.57

7.15

6.83

6.49

6.60

7.37

6.83

6.10

6.34

Yield on or Cost of: Total Loan & Leases (TE) Loans in Domestic Offices

4.58 4.58 4.46 4.35 4.52 4.42 7.02 1.74 1.68 1.63 1.59 2.55 0.50 6.00 0.33 0.31 0.30 0.44 5.34

4.77 4.76 4.63 4.74 4.63 5.42 6.17 1.86 1.74 1.36 1.65 2.19 0.50 0.38 0.34 0.18 0.21 0.69 4.92

5.08 5.08 4.74 4.65 4.80 5.99 7.19 1.91 1.81 2.42 1.58 2.72 0.21 0.24 0.30 0.18 0.25 0.62 5.79

5.06 5.06 4.84 4.95 4.82 5.90 6.25 1.89 1.73 1.31 1.46 2.27 0.23 0.06 0.46 0.20 0.23 1.00 5.04

5.16 5.16 4.70 4.62 4.76 6.63 7.22 1.72 1.64 1.85 1.47 2.61 0.22 0.24 0.26 0.15 0.22 0.57 5.64

5.09 5.08 4.82 4.91 4.81 6.27 6.29 1.82 1.67 1.22 1.42 2.21 0.25 0.07 0.41 0.19 0.21 0.91 5.02

5.18 5.17 5.49 5.70 5.36 3.83 7.76 2.54 2.38 3.19 2.16 2.88 0.46 0.35 0.52 0.24 0.31 1.29 6.70

5.14 5.13 5.13 5.21 5.12 5.12 6.54 2.33 2.15 1.80 1.94 2.52 0.53 0.39 0.77 0.29 0.37 1.57 5.34

5.58 5.58 5.45 5.74 5.28 5.66 8.35 N/A 6.87 N/A 3.06 2.87 3.11 2.79 3.03 2.33 2.39 0.95 0.45 0.66 1.76 N/A 1.05 N/A N/A 1.50 0.95

5.45 5.44 5.32 5.37 5.34 5.93 6.72 2.71 2.52 2.23 2.48 2.77 2.10 1.92 1.09 0.53 0.67 1.86 5.90

Real Estate

Secured by 1-4 Fam Resi Prop All Other Loans Sec Real Estate

Commercial & Industrial

Individual

Credit Card

N/A 8.33 N/A

N/A 8.30 N/A

N/A 8.23 N/A

N/A 9.52 N/A

8.36 N/A

Agricultural

Loans in Foreign Offices Total Investment Securities (TE) Total Investment Securities (Book) US Treas & Agency (Excl MBS) Mortgage Backed Securities Interest-Bearing Bank Balances Federal Funds Sold & Resales Total Interest Bearing Deposits All Other Securities

N/A 5.55 N/A

N/A 2.81 N/A

N/A 3.37 N/A

N/A 4.13 N/A

4.81 N/A

Transaction accounts Other Savings Deposits

Time Deposits

Foreign Office Deposits

N/A 0.42 N/A

N/A 0.21 N/A

N/A 0.22 N/A

N/A 0.15 N/A

1.82 N/A

Federal Funds Purchased & Repos

0.70

0.33

77

0.51

0.19

84

0.54

0.18

84

0.62

0.47

68

1.31

46

Other Borrowed Money Subord Notes & Debentures Other Interest Expense All Interest-Bearing Funds

N/A 1.27 N/A N/A 0.00 N/A

N/A 1.27 N/A N/A 3.79 N/A

N/A 1.28 N/A N/A 4.95 N/A

N/A 1.31 N/A N/A 5.67 N/A

2.21 N/A 6.86 N/A

0.58 0.36

1.48 0.36

17 53

0.76 0.32

1.45 0.49

26 27

0.72 0.29

1.43 0.45

27 27

0.78 0.53

1.38 0.80

28 25

2.36 1.14

9

37

Memo: Interest on Time Dep Over Ins Limit

0.48

0.73

26

0.74

1.06

26

0.67

0.96

26

1.71

1.65

53

2.05

2.02

47

Non-interest Income & Expenses Fiduciary Activities Deposit Service Charges Trading, Vent Cap, Securtz Inc Inv Banking, Advisory Inc Insurance Comm & Fees

0

0

0

0

0

700 N/A 114

504 N/A

1,113

1,154

1,443

N/A 140

N/A 104

N/A

82

97

0 0 0 5

0 0 0

0 0 0

2 0 0

5 0 0

Net Servicing Fees

Loan & Lse Net Gains/Loss Other Net Gains/Losses Other Non-interest Income Non-interest Income

18

22

31

189

1,427 2,246 5,651

1,187 1,791 4,771

4,232 5,507 9,825 1,569

1,832 3,123 8,729 1,565

2,786 4,520 8,309 1,507

Personnel Expense Occupancy Expense Goodwill Impairment

838

772

0

0

0

0

0

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