CMS Case Study

Loan Cash Flows - 12/31/2021

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5

CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

5,313 3,100 3,161 3,406

2,363 2,406 2,500 1,977

7,818 6,950 5,929 38,916

175MM

140MM

COMMERCIAL REAL ESTATE

28,359 18,965 14,615 13,515

7,099 9,914 9,337 9,588 31,516 26,880 22,701 38,506

105MM

COMMERCIAL & INDUSTRIAL

70MM

10,505 8,268 9,374 6,080

3,873 3,293 3,474 3,325 10,587 8,806 9,633 16,392

35MM

OTHER TOTAL

10,488 4,479 1,117 1,410

1,431

845

706

664

1,928

845

141

58

0

54,666 34,813 28,267 24,412 14,765 16,458 16,018 15,554 51,848 43,481 38,404 93,871 54,666 89,479 117,746 142,158 156,923 173,381 189,399 204,952 256,801 300,282 338,685 432,556 -422 -2,048 -4,616 -7,775 -11,050 -13,946 -16,455 -18,547 -24,017 -24,778 -21,521 0

UP 200BP RATE SCENARIO

Y1

Y2

Y3

Y4

Y5

CUMULATIVE

>Y5

CML Δ FROM BASE

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5 CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

175MM

5,344 3,365 3,666 3,985

2,945 3,005 3,035 2,436

9,137 7,538 6,010 33,373

140MM

COMMERCIAL REAL ESTATE

28,615 19,873 16,024 15,287

8,994 11,489 10,708 10,725 34,515 27,133 20,559 27,075

105MM

70MM

COMMERCIAL & INDUSTRIAL

10,609 8,635 9,897 6,747

4,559 3,934 4,031 3,805 11,995 9,003 8,497 11,896

35MM

OTHER TOTAL

10,519 4,565 1,249 1,552

1,541

926

754

680

1,672

567

81

6

0

BASE RATE SCENARIO

55,088 36,439 30,835 27,571 18,039 19,354 18,527 17,646 57,318 44,242 35,147 72,350 55,088 91,527 122,362 149,933 167,973 187,327 205,854 223,500 280,818 325,059 360,206 432,556

Y1

Y2

Y3

Y4

Y5

>Y5

CUMULATIVE

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5

CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

5,359 3,526 4,017 4,506

3,593 3,706 3,635 2,928 10,461 8,219 6,324 27,564

175MM

140MM

COMMERCIAL REAL ESTATE

28,744 20,330 16,733 16,173

9,925 12,240 11,335 11,237 35,686 26,919 19,290 22,385

105MM

COMMERCIAL & INDUSTRIAL

70MM

10,661 8,819 10,159 7,081

4,896 4,242 4,287 4,019 12,550 8,882 7,939 10,073

35MM

OTHER TOTAL

10,534 4,609 1,316 1,623

1,592

959

769

674

1,521

464

48

1

0

55,299 37,285 32,225 29,382 20,007 21,147 20,027 18,858 60,219 44,485 33,601 60,023 55,299 92,584 124,809 154,191 174,198 195,344 215,371 234,229 294,448 338,932 372,534 432,556 211 1,057 2,447 4,257 6,225 8,017 9,517 10,729 13,630 13,873 12,327 0

Y1

Y2

Y3

Y4

Y5

CUMULATIVE

DOWN 100BP RATE SCENARIO

>Y5

CML Δ FROM BASE

Cloyd Bank & Trust - Page 14