CMS Case Study

Balance Sheet Comparison - 12/31/2021

DEC 21

SEP 21

VARIANCE

Balance Rate 741 3.50 247 3.25 1,308 4.39 2,295 3.98

Balance Rate 753 3.50 247 3.25 1,361 4.54 2,361 4.07

Balance Rate

Install Adj 1M (Prime) Install Adj 1M (Prime) I/O Install Adj 1M (Prime) I/O LOC

-12 --

0 --

-53 -0.14 -66 -0.09

Total Install Adj

Overdraft (Manual)

156 --

--

--

156 -- 592 -0.24

TOTAL INSTALLMENTS

10,809 5.33

10,217 5.57

Gov&Agy Fixed -

1,424 0.59 2,557 1.00 3,981 0.85

1,504 0.75 9,464 1.00 10,968 0.97

-80 -0.15

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

-6,907 -- -6,987 -0.11

TOTAL GOV&AGY GUARANTEED

3,981 0.85

10,968 0.97

-6,987 -0.11

Loans Held For Sale (Manual) LOAND HELD FOR SALE

932 -- 932 --

1,090 -- 1,090 --

-158 -- -158 --

Other Loan Items

-656 -- -37 -- 152 -- -151 -- -7,666 -- 425,286 4.20 7,513 -- 18,314 -- 18,929 -- 13,906 -- 58,662 --

--

--

-656 -- 360 -- 152 -- 278 -- -21 --

Unearned SBA PPP Orig. Fees

-396 --

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

--

--

-429 -- -7,645 -- 395,619 4.30 8,473 -- 18,203 -- 17,411 -- 11,887 -- 55,974 --

29,667 -0.10

Cash & Due

-960 -- 111 -- 1,518 -- 2,019 -- 2,688 --

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

TOTAL ASSETS

964,860 2.65

896,832 2.66

68,027 -0.01

Cloyd Bank & Trust - Page 70