CMS Case Study
Balance Sheet Comparison - 12/31/2021
DEC 21
SEP 21
VARIANCE
Balance Rate 13,726 4.22 14,001 4.22
Balance Rate 13,937 4.20 14,214 4.20
Balance Rate
Res Adj 3M (Prime) Residential Adj
-211 0.03 -213 0.03
TOTAL RESIDENTIAL
66,125 3.82
64,632 3.91
1,493 -0.09
Res Const Fixed - I/O Total Res Const Fixed
9,477 4.29 9,477 4.29
10,126 4.30 10,126 4.30
-649 -0.01 -649 -0.01
TOTAL RESIDENTIAL CONSTRUCTION
9,477 4.29
10,126 4.30
-649 -0.01
C&I Fixed -
61,688 4.04
44,200 4.30
17,488 -0.25
C&I Fixed - LOC C&I Fixed - I/O
38 6.36
101 6.29
-63 0.07
11,237 3.86 801 4.94 1,178 -- 74,941 3.96
13,664 3.91 1,293 4.78 1,206 -- 60,464 4.14
-2,427 -0.05 -492 0.16
C&I Fixed - I/O LOC C&I Non-Accrual
-28 --
Total C&I Fixed
14,477 -0.17
C&I Adj 1M (Prime)
5,952 3.91
5,888 3.87
64 0.04 -35 -1.19
C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC
22 4.75
57 5.94
3,780 4.09 8,913 4.11 18,668 4.04
4,792 4.21 8,778 4.10 19,516 4.06
-1,012 -0.12 136 0.01 -847 -0.02
Total C&I Adj
TOTAL COMMERCIAL & INDUSTRIAL
93,609 3.98
79,979 4.12
13,630 -0.14
CRE Fixed -
167,375 4.31 27,145 4.46 194,520 4.33 12,548 3.88 21,684 3.89 1,521 2.81
154,338 4.50 24,629 4.69 178,967 4.53 11,163 4.02 16,837 4.04 426 3.75 1,100 2.46 728 4.95 30,254 3.99
13,036 -0.19 2,516 -0.23 15,553 -0.20 1,384 -0.14 4,847 -0.15 1,095 -0.94 -1,100 -2.46
CRE Fixed - I/O Total CRE Fixed
CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O
--
--
CRE Adj 3M (Prime)
724 4.95
-4 --
Total CRE Adj
36,477 3.86
6,222 -0.13
TOTAL COMMERCIAL RE
230,996 4.26
209,221 4.45
21,775 -0.19
HE Adj 1M (Prime) I/O LOC
17,714 4.23 17,714 4.23
17,856 4.22 17,856 4.22
-142 0.01 -142 0.01
Total HE Adj
TOTAL HOME EQUITY
17,714 4.23
17,856 4.22
-142 0.01
Install Fixed -
7,826 5.86 527 4.85
7,264 6.13 588 4.76
562 -0.26 -61 0.09
Install Fixed - I/O
Install Fixed - I/O LOC Total Install Fixed
5 6.25
5 5.77
0 0.48
8,358 5.80
7,856 6.02
502 -0.22
Cloyd Bank & Trust - Page 69
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