CMS Case Study

Time Deposit Migration - 12/31/2021

MATURITY PROJECTED OCT 21-DEC 21

CDS MATURING JAN 22-MAR 22

DEC 21

SEP 21

RATE CHANGE

BALANCE

RATE

BALANCE

RATE $ CHANGE

BALANCE

RATE RETAINED % RUNOFF %

BALANCE

RATE

REGULAR

<12 MONTHS 12-23 MONTHS 24-59 MONTHS 60+ MONTHS

27,722 40,222

0.15 0.36 0.67 0.94 0.46

29,899 39,508 10,476 22,258 102,141

0.17 0.45 0.70 0.98 0.51

-2,177

-0.02 -0.10 -0.03 -0.04 -0.05

13,522 10,423

0.20 0.68 1.54 1.26 0.47

84%

16%

15,872

0.15 0.44 1.50 1.19 0.26

713

100%

0%

5,784

9,957

-518

505

0%

100%

311 421

22,764 100,664

505

1,132

100%

0% 6%

TOTAL

-1,477

25,582

94%

22,388

TOTAL

100,664

0.46

102,141

0.51

-1,477

-0.05

25,582

0.47

94%

6%

22,388

0.26

Cloyd Bank & Trust - Page 16