CMS Case Study

Balance Sheet Mix - 12/31/2021

Asset Mix Comparison

12/31/2021 12/31/2020 % CHANGE $ CHANGE GROWTH RATE 50% 37% 13% 217,221 82% Agencies 3% 0% 3% 24,580 - MBS/CMO 38% 15% 23% 259,938 246% Municipals 4% 5% 0% 7,032 21% Other 5% 17% -12% (74,329) -60% 44% 56% -12% 19,347 5% Commercial RE 24% 29% -5% 20,064 10% C & I 10% 11% -1% 17,208 23% Residential 7% 8% -1% 7,994 14% Other 4% 8% -5% (25,919) -43% 6% 7% -1% 8,423 17% TOTAL ASSETS 244,991 34% INVESTMENTS LOANS OTHER ASSETS 12/31/2021 12/31/2020 % CHANGE $ CHANGE GROWTH RATE 74% 69% 5% 214,226 43% DDA 22% 23% -1% 47,410 29% NOW 36% 32% 4% 113,389 49% Savings 4% 3% 1% 17,934 72% MMDA 11% 10% 1% 35,493 47% 10% 16% -5% (10,990) -10% 7% 6% 1% 22,470 54% FHLB 4% 3% 1% 15,000 75% Repo-Retail 3% 3% 0% 7,470 34% 9% 9% 0% 19,216 29% 0% 1% 0% 68 2% TIME DEPOSITS BORROWINGS

6%

7%

37%

50%

44%

56%

12/31/2021

12/31/2020

Liability Mix Comparison

NON-MATURITY

9% 0%

9% 1%

7%

6%

10%

16%

69%

74%

EQUITY OTHER LIABILITIES

TOTAL LIABILITIES & EQUITY

244,991

34%

12/31/2021

12/31/2020

Cloyd Bank & Trust - Page 6