Capital Markets School - Case Study
8/17/22, 11:05 AM
Print UBPR Report - FFIEC Central Data Repository's Public Data Distribution
Allowance & Loan Mix-b 08/17/2022 11:04:17 AM
FDIC Certificate # OCC Charter # 0 Public Report Loan Mix, % Average Gross LN&LS Construction & Development 1-4 Family Construction Other Const & Land Development Real Estate Loans
FRB District/ID_RSSD 6 / County:
CLOYD BANK & TRUST; GREENBOW , AL Analysis of Loan Allowance and Loan Mix--Page 7A
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
75.30 14.94 2.45 12.49 3.97 26.48 4.58 21.62 0.27 2.10 27.81 19.35
77.38 7.84 2.49 4.95 6.71 23.47 1.71 20.66 0.46 3.44 30.61 14.34 15.69
38 86 56 93 51 62 87 57 42 42 44 72 27 97 51 84 57 80 60 60 18
73.44 12.82 2.49 10.33 4.86 26.73 5.48 20.92 0.34 1.73 27.30 20.22
72.74 6.73 2.06 4.34 6.04 22.53 1.70 19.74 0.49 3.24 29.32 13.73 14.97
48 86 63 91 57 65 92 58 43 37 45 80 22 98 55 71 60 79 57 61 17
73.98 13.01 2.52 10.49 4.63 26.95 5.17 21.47 0.31 1.89 27.51 20.13
74.16 7.04 2.34 4.49 6.37 22.87 1.69 20.12 0.48 3.23 29.62 14.00 15.01
45 85 60 91 55 65 90 58 42 41 45 78 23 98 54 76 59 79 56 61 17
73.58 13.22 2.99 10.23 5.35 25.56 5.97 19.07 0.52 1.56 27.89 21.28
72.85 6.78 2.19 4.39 5.99 23.12 1.86 20.02 0.59 3.07 29.08 13.64 14.81
47 87 69 91 60 60 92 50 51 35 48 84 19 98 55 71 61 78 59 66 16
77.08 12.64 2.63 10.01 6.53 25.66 6.89 18.13 0.64 1.14 31.11 25.05
77.01 7.35 2.31 4.84 5.78 24.16 2.22 20.53 0.68 3.38 31.32 14.65 16.02 0.69 12.67 2.90 0.04 0.87 0.55 0.23 0.00 0.05 0.01 0.04 0.00 3.11
46 82 63 88 64 56 92 46 54 24 51 88 15 99 58 69 69 75 68 71 16
Secured by Farmland 1-4 Family Residential Home Equity Loans 1-4 Family 1st Lien Loans 1-4 Family Jr Lien Loans
Multifamily
Non-Farm Non-Residential Owner Occupied Non-Farm Non Other Non-Farm Non-Residential RE Loans in Foreign Offices Residential
8.46 N/A 0.59 0.94
7.08 N/A 1.19 1.13
7.37 N/A 1.09 1.11
6.61 N/A 1.45 1.16
6.06 N/A 1.71 1.43
0.59 N/A
0.51 N/A
0.62 N/A
0.45 N/A
N/A
Financial Institution Loans
0.07 3.19
0.06 3.03
0.00 3.23
0.06 3.30
Agricultural Loans
Commercial & Industrial Loans
20.47 2.38 0.00 0.90 0.31 0.00
12.52 2.82 0.02 0.96 0.48 0.18
21.30 2.56 0.00 0.73 0.38 0.00
17.36 2.67 0.02 0.90 0.50 0.19
20.90 2.55 0.00 0.71 0.37 0.00
15.70 2.74 0.02 0.94 0.50 0.19
20.51 2.79 0.00 0.79 0.51 0.00
16.78 2.83 0.03 0.92 0.50 0.21
15.41 3.62 0.00 1.06 0.75 0.00
Loans to Individuals Credit Card Loans
Auto Loans
Municipal Loans
Non-Depository and Other Loans to Foreign Governments Lease Financing Receivables
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
0.00 N/A
N/A 0.00 N/A N/A
N/A
0.03
81
0.03
81
0.03
81
0.04
81
79
Leases to Individuals All Other Leases
0.14 N/A 0.03 N/A
0.07 N/A 0.04 N/A
0.08 N/A 0.05 N/A
0.08 N/A 0.03 N/A
N/A N/A
Supplemental: Loans to Finance Comml Real Est Foreign Office Loans & Leases Memorandum (% of Avg Tot Loans): Loans & Lease Commitments Officer, Shareholder Loans Officer, Shareholder Loans to Assets Other Real Estate Owned % Assets Construction & Land Development
0.04 0.00
0.07 0.00
81 99
0.28 0.00
0.07 0.01
87 99
0.18 0.00
0.07 0.00
86 99
0.31 0.00
0.08 0.01
86 99
0.21 0.00
0.09 0.02
84 99
24.26 7.00 3.20
21.45 1.13 0.65
65 98 96
24.75 7.60 3.65
19.29 1.20 0.72
74 98 97
24.42 7.00 3.03
20.20 1.14 0.64
70 97 95
20.79 6.91 3.93
17.65 1.19 0.75
69 98 97
23.20 7.04 4.43
18.07 1.31 0.88
74 97 97
0.00 0.00 0.00 0.00 0.00 N/A N/A 0.00 0.66 0.66 N/A N/A N/A 0.00
0.00 0.00 0.00 0.00 0.00
84 95 77 99 78
0.00 0.00 0.00 0.00 0.00 N/A N/A 0.00 0.89 0.89 N/A N/A N/A 0.00
0.01 0.00 0.01 0.00 0.01
76 94 65 98 70
0.00 0.00 0.00 0.00 0.00 N/A N/A 0.00 0.81 0.81 N/A N/A N/A 0.00
0.01 0.00 0.00 0.00 0.01
75 94 63 97 67
0.00 0.00 0.00 0.00 0.00 N/A N/A 0.00 1.13 1.13 N/A N/A N/A 0.00
0.01 0.00 0.01 0.01 0.02
69 91 52 96 61
0.00 0.00 0.00 0.00 0.00 N/A N/A 0.00 1.41 1.41 N/A N/A N/A 0.00
0.02 0.00 0.01 0.00 0.03 0.00 0.00 0.10 0.01 0.10 0.10 3.99 0.63 5.99
64 91 48 95 55
Farmland 1-4 Family Multifamily
Non-Farm Non-Residential
Foreclosed GNMA Foreign Offices
0.00 N/A 0.00 N/A
0.00 N/A 0.00 N/A
0.00 N/A 0.00 N/A
0.00 N/A 0.00 N/A
N/A N/A
Subtotal
0.02 0.01 0.03
56 99 97
0.05 0.01 0.06
43 99 97
0.04 0.01 0.05
40 99 97
0.07 0.01 0.08
31 99 98
26 99 97
Direct and Indirect Inv
Total
Asset Servicing % Assets Mortgage Servicing w/ Recourse Mortgage Servicing w/o Recourse
0.13 N/A 4.47 N/A 0.33 N/A
0.14 N/A 4.74 N/A 0.44 N/A
0.13 N/A 4.63 N/A 0.33 N/A
0.08 N/A 4.52 N/A 0.37 N/A
N/A N/A N/A
Other Financial Assets
Total
5.56
63
5.95
62
5.86
63
5.77
63
59
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