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 Percent of Average Assets Loans Held For Sale Loans Not Held For Sale Less: LN&LS Allowance Net Loans & Leases

FRB District/ID_RSSD 6 / County:

CLOYD BANK & TRUST; GREENBOW , AL Balance Sheet Percentage Composition--Page 6

Balance Sheet %

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

0.11 46.10 0.80 45.41

0.07 59.69 0.82 59.31

77 17 51 17 23 54 97 63 91 82 22 79 56 99 91 78 78 21 52 74 33 77 23 65 36 65 56 94 86 85 73 99 42 90 23 33

0.15 51.40 0.78 50.77 13.96 1.27 0.00 0.00 26.83 0.00 N/A

0.19 62.60 0.85 62.44 10.29 0.78 0.01 0.38 17.35 0.00

67 21 43 20 70 77 97 67 75 81 32 80 43 99 90 61 74 25 45 35 93 29 62 45 62 61 92 71 79 65 99 36 75 34 51 1

0.13 48.48 0.80 47.81

0.15 61.16 0.84 60.95 10.45 0.79 0.02 0.42 18.53 0.00

67 18 47 17 51 73 97 66 84 80 27 79 40 99 90 61 69 30 39 35 94 26 62 42 62 57 93 76 79 62 99 37 74 31 46 1

0.18 59.67 0.85 59.00

0.23 67.35 0.86 67.21

66 25 50 24 66 75 97 66 71 81 43 85 31 99 89 53 81 18 10 33 31 90 34 56 45 56 68 92 65 68 70 98 49 72 41 69

0.10 63.06 0.77 62.39

0.13 69.96 0.86 69.60

66 27 39 26 38 59 96 64

Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Held-to-Maturity Securities HTM Securities Allowance Available-for-Sale Securities Marketable Equity Sec at FV Nonint Cash & Due From Banks Premises, Fix Assts & Cap Leases Other Real Estate Owned Dir & Indir Inv RE Ventures Inv in Unconsolidated Subs Acceptances & Other Assets Total Earning Assets

2.85 0.01 0.00 0.00 N/A

9.03 0.66 0.02 0.77

9.45 0.94 0.00 0.00 N/A

9.91 1.33 0.00 0.00 N/A

7.84 0.73 0.01 0.39

3.11 0.17 0.00 0.00 N/A

5.18 0.54 0.01 0.51

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

0.00 N/A

44.37 0.00

21.08 0.00

34.95 0.00

21.79 0.00

15.30 0.01

25.00

15.19

78

N/A

0.03 N/A

92.63

94.16

92.82

94.12

93.16

94.16

92.03

93.82

90.66

93.43

12

0.87 2.05 0.00 0.66 0.00 3.79 7.37

1.48 1.38 0.02 0.01 0.00 2.72 5.84

1.12 2.17 0.00 0.89 0.00 3.00 7.18

1.56 1.43 0.05 0.01 0.00 2.59 5.88

1.00 2.07 0.00 0.81 0.00 2.96 6.84

1.56 1.41 0.04 0.01 0.00 2.57 5.84

1.36 2.58 0.00 1.13 0.00 2.90 7.97

1.57 1.55 0.07 0.01 0.00 2.74 6.19

1.40 3.27 0.00 1.41 0.00 3.25 9.34

1.59 1.67 0.10 0.01 0.00 2.95 6.58

41 91 26 99 89 57 87 92 19 39 24 88 42 59 49 59 78 74 89 41 81 71 98 52 73 26 91 53 59 59

Total Non-Earning Assets

Total Assets

100.00 100.00

99 100.00 100.00

99 100.00 100.00

99 100.00 100.00

92 100.00 100.00

Standby Letters of Credit

0.06

0.21

0.15

0.20

0.13

0.20

0.31

0.23

0.43

0.26

Liabilities Demand Deposits

24.61 19.16 11.29 20.08 6.76 0.00 81.89 0.00 3.51

24.00 11.45 16.79 14.42 11.75 0.61 82.93 0.61 3.69

1.38 8.60 11.24 50.06 9.09 0.00 80.37 0.00 4.71

21.18 9.99 16.32 14.72 13.75 0.72 80.19 0.72 4.30

2.41 7.71 11.24 51.03 8.29 0.00 80.69 0.00 4.22

22.07 10.60 16.09 14.46 13.15 0.66 80.78 0.66 4.14

5.10 4.17

17.67 8.57 15.85 15.59 16.27 0.99 77.67 0.99 5.01

5.31 4.10 8.51

14.09 7.78 16.53 17.36 18.05 1.34 76.74 1.34 5.45

All NOW & ATS Accounts Money Market Deposit Accounts 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 Other Savings Deposits Core Deposits

10.00 46.33 12.35 0.00 77.96 0.00 6.29

44.22 15.78 0.38 77.55 0.38 8.39

N/A

0.01 N/A

N/A

0.04 N/A

N/A

0.02 N/A

N/A

0.04 N/A

N/A

0.22 N/A

Total Deposits

85.40

88.01

85.08

86.14

84.91

86.45

84.25

84.68

86.31

84.60

Federal Funds Purch & Repos Total Fed Home Loan Borrowings

3.53 3.91 0.00 6.28 0.00 0.38

0.28 1.12 0.01 4.56 0.01 0.51

3.01 2.56 0.00 6.11 0.00 0.41

0.29 1.51 0.13 5.19 0.01 0.60

3.02 2.74 0.00 5.35 0.00 0.41

0.28 1.37 0.08 4.93 0.01 0.58

2.95 2.76 0.00 8.20 0.00 0.57

0.34 2.11 0.30 6.30 0.01 0.64

2.59 0.75 0.00 9.61 0.00 0.58

0.45 2.30 0.02 7.14 0.01 0.62

Total Other Borrowings

Memo: Sht Ter N Core Funding

Subordinated Notes & Debentures Acceptances & Other Liabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Total Liabilities & Capital Memo: All Brokered Deposits Insured Brokered Deposits

93.22

90.78

91.06

89.79

91.07

89.82

90.53

89.30

90.23

88.94

6.78

9.22

9

8.94

10.21

24

8.93

10.18

25

9.47

10.70

27

9.77

11.06

100.00 100.00

99 100.00 100.00

94 100.00 100.00

94 100.00 100.00

91 100.00 100.00

0.00 0.00

0.83 0.61

61 65

0.00 0.00

0.96 0.72

59 62

0.00 0.00

0.90 0.66

58 62

0.00 0.00

1.24 0.99

52 56

0.38 0.38

1.69 1.34

Loans HFS as a % Loans

0.23

0.11

80

0.28

0.30

68

0.27

0.25

70

0.30

0.34

66

0.16

0.19

67

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