CMS Case Study

Balance Sheet Comparison - 12/31/2021

DEC 21

SEP 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

ASSETS Fed Funds Sold FFS - SERVISFIRST

29,228 0.15 100 0.15 3,572 0.15 32,900 0.15

28,040 0.15 9,880 0.15 6,072 0.15 43,992 0.15

1,188 -- -9,780 -- -2,499 -- -11,092 --

Centerstate (Int Bearing)

TOTAL SHORT TERM INVESTMENTS

Treasury Fixed AFS TOTAL TREASURY

24,580 1.09 24,580 1.09

18,535 1.11 18,535 1.11

6,044 -0.02 6,044 -0.02

MBS Fixed GNMA AFS MBS Fixed GSE AFS

1,926 2.50 330,012 1.53 331,938 1.54

2,229 2.35 290,772 1.51 293,001 1.51

-303 0.15 39,239 0.03 38,937 0.03

TOTAL MBS

CMBS-MBS Fixed GSE AFS

31,913 1.74 31,913 1.74

25,975 1.73 25,975 1.73

5,938 0.01 5,938 0.01

TOTAL CMBS-MBS

CMO Fixed GSE AFS

1,641 2.43 1,641 2.43

1,761 2.39 1,761 2.39

-120 0.04 -120 0.04

TOTAL CMO

Muni Fixed AFS

1,776 1.16 29,470 3.35 1,463 3.92 8,384 2.40 41,093 3.08 300 3.95 2,000 2.75 2,300 2.91 1,239 2.31 250 1.66 1,489 2.20 1,673 3.72 1,200 -- -1,928 -- 480,911 1.60 6,572 5.58 1,789 5.01 9,650 4.15 1,910 3.84 32,202 3.11 52,124 3.71 12,113 2.02 12,113 2.02

1,776 1.16 29,380 3.40 1,465 3.92 7,873 2.42 40,494 3.13 300 3.87 2,000 2.75 2,300 2.90 1,484 2.43 250 1.66 1,734 2.32

0 0.00 90 -0.05 -2 0.00 511 -0.01 599 -0.04

Muni Fixed Callable Tax Exempt AFS Muni Fixed Callable Tax Exempt AFS (Manu

Muni Fixed Callable AFS

TOTAL MUNI

Corporate Adj 3M (3M LIBOR) Callable AFS Corporate Adj 3M (SOFR) Callable AFS

-- 0.09

--

--

TOTAL CORPORATE

-- 0.01

Other Liquid Assets Fixed AFS CD Other Liquid Assets Fixed AFS (Manual)

-245 -0.12

--

--

TOTAL OTHER LIQUID ASSETS

-245 -0.12

SBA-Other Fixed GSE AFS

12,182 2.02 12,182 2.02

-69 0.00 -69 0.00

TOTAL SBA-OTHER

FHLB Stock

1,110 3.72 1,162 -- 2,992 --

563 -- 38 --

SERP Deferred Compensation Unrealized G/L (ASC 320)

-4,920 -- 35,672 0.06

TOTAL INVESTMENTS

445,239 1.54

Res Fixed 10Y

6,738 5.67 2,161 5.08 10,753 4.19 1,932 3.84 28,834 3.17 50,418 3.83

-166 -0.09 -372 -0.07 -1,103 -0.04 -21 0.00 3,368 -0.06 1,706 -0.12

Res Fixed 10Y I/O

Res Fixed 15Y Res Fixed 20Y Res Fixed 30Y

Residential Fixed

Res Adj 1M (Prime)

275 4.04

277 4.04

-2 0.00

Cloyd Bank & Trust - Page 68