Capital Markets School - Case Study

8/17/22, 11:05 AM

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

Balance Sheet $

FDIC Certificate # OCC Charter # 0 Public Report

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet $--Page 4

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 Quarter

1 Year

Assets: Real Estate Loans Commercial Loans Individual Loans Agricultural Loans Other Loans & Leases LN&LS Allowance Unearned Income Net Loans & Leases

359,709 92,389 11,258

291,332 86,959 10,091

323,976 92,930 10,555

298,920 95,524 10,419

280,067 60,444 11,533

8.29 -6.54 8.67 -2.84 -0.25 N/A 4.91 -9.04 -4.62

23.47 6.24 11.56 -9.75 27.70 18.61 43.15 -3.09 N/A

4,152 1,370 7,832

4,948 1,518 6,133

4,065 1,424 7,666

4,443 1,546 6,062

4,692 2,339 5,008

-8.38 -16.09

0

0

0

0

0

461,046 335,648 36,734

388,716 234,480 37,905

425,284 361,469 42,457

404,790 113,880 35,817

354,067 102,528 34,027

U.S. Treasury & Agency Securities Municipal Securities Foreign Debt Securities All Other Securities HTM Securities Allowance Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Nonint Cash & Due From Banks Premises, Fix Assts, Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Oth Assets Total Investments Total Earning Assets

0

0

0

0

0

N/A

N/A

34,530

16,894

39,724

300 N/A

300 N/A

-7.62 104.39

N/A

N/A

N/A

N/A

N/A

11,776

84,243 9,880 383,402 772,118 9,170 17,429 0

34,389

101,330

17,693 -68.13 -86.02

100

100

9,880

880

0.00 -98.99

0

0

0

0

N/A

N/A 9.23

418,788 879,834 13,196 20,891

478,139 903,423 7,413 18,929

261,207 665,997 7,448 16,762

155,428 -13.11

509,495

-4.52

13.95

7,615 169.80

43.90 19.86

17,039

4.78 N/A -1.87 20.27 -2.52 0.28 N/A

0

0

0

0

0

N/A

6,296

6,796

6,541

7,063

7,575

-7.36

0

0

0

0

0

N/A

44,762 964,979 980,446

24,888 830,401 816,875

28,551 964,857 927,871

22,600 719,870 698,795

17,930 559,654 548,931

79.85 16.21 20.02

Total Assets

Average Assets During Quarter

Liabilities: Demand Deposits

325,896 273,328 102,706 41,533 64,200

928

68,959 26,866 112,919 501,286 67,004

30,281 34,158 77,864 353,123 72,294

29,310 22,264 46,384 249,839 84,100

0.72 35,018.10 5.48 208.19

All Now & ATS Accounts Money Market Deposit Accounts

88,689 91,383 420,512 69,568

-9.92

12.39

Other savings Deposits

-4.45 -90.12

Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Federal Funds Purch & Resale Fed Home Loan Bor Mat < 1 Year Fed Home Loan Bor Mat > 1 Year Oth Borrowing Mat < 1 Year Oth Borrowing Mat > 1 Year Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Core Deposits Total Deposits

-2.79 N/A 0.18 N/A -1.18 N/A 0.12 12.62

-7.72

0

0

0

0

0

N/A

807,663

671,080

777,034

567,720

431,897

20.35

0

0

0

0

0

N/A

34,252

34,859

33,660

39,360

44,704

-1.74

N/A

N/A

N/A

N/A

N/A

N/A

841,915 38,925 34,250

705,939 24,493

810,695 29,465

607,080 21,996

476,600 13,105 10,000

19.26 58.92

0

0

0

N/A

N/A

0 0 0 0

20,000

35,000

20,000

0 -100.00 -100.00

0 0 0

0 0 0

0 0 0

0 0 0

N/A N/A N/A

N/A N/A N/A

3,829

2,843

4,035

4,348

4,026

14.23 -0.53

34.68 21.99

918,919 46,060 964,979

753,275 77,126 830,401

879,195 85,662 964,857

653,424 66,446 719,870

503,731

55,923 -30.33 -40.28

Total Liabilities & Capital

559,654

-2.52

16.21

Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities

6

7

7

6

5

30,901

30,271

29,217

28,274

24,776

-3.24

2.08 N/A

0

0

0

0

0

N/A

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