CMS Case Study

Balance Sheet Comparison - 12/31/2021

DEC 21

SEP 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

CD 36-47 Months Special

101 2.25 722 0.78 7,875 0.94

107 2.25 727 0.78 7,579 0.98

-6 -- -5 0.00 296 -0.04

CD 48-59 Months CD 60+ Months

CD 60+ Months SPEC

1 2.25

1 2.25 20 0.15

0 --

IRA 1-5 Months IRA 6-11 Months

--

--

-20 -0.15 -182 -0.04

2,937 0.15

3,119 0.19

IRA 11 Month Special IRA 12-17 Months IRA 13 Months Special IRA 18-23 Months IRA 18 Month Special IRA 24-35 Months IRA 27 Month Special IRA 36-47 Months IRA 36-47 Months Special

66 0.16

66 0.19

0 -0.03

2,312 0.32

2,358 0.33

-46 -0.01 -4 -0.01 -114 -0.12 -17 -0.39 -32 -0.41

48 0.30

52 0.31

2,304 0.44 215 0.46 186 0.46 40 0.93 465 0.50 14 2.25 122 0.75 5,744 0.91 67,004 0.44 283 0.10 7,677 0.15 8,352 0.31 312 0.35 2,236 0.35 5,100 0.59 255 1.00 8,851 0.96 301 0.30 293 0.85 33,660 0.50 -- --

2,418 0.56 232 0.85 218 0.86 40 0.93 560 1.13 14 2.25 122 0.75 5,538 0.96 68,653 0.49 770 0.12 7,820 0.16 6,404 0.34 311 0.85 2,733 0.85 5,092 0.59 255 1.00 661 0.40 8,848 0.99 301 0.40 292 0.85 33,488 0.56

0 0.00

-95 -0.63

0 -- 0 0.00

IRA 48-59 Months IRA 60+ Months

206 -0.06

Total CD

-1,649 -0.04

Jumbo CD 1-5 Months Jumbo CD 6-11 Months Jumbo CD 12-17 Months Jumbo CD 18-23 Months

-488 -0.02 -143 -0.01 1,949 -0.02

1 -0.50

Jumbo CD 18-23 Month Special

-497 -0.50

Jumbo CD 24-35 Months

8 0.00

Jumbo CD 24-35 Month Special

--

--

Jumbo CD 36-47 Months Jumbo CD 60+ Months Jumbo IRA 12-17 Months Jumbo IRA 60+ Months

-661 -0.40

3 -0.04 0 -0.10 1 --

Total Jumbo CD

172 -0.06

TOTAL TIME DEPOSITS

100,664 0.46

102,141 0.51

-1,477 -0.05

TOTAL DEPOSITS

810,317 0.25

765,818 0.25

44,499 -0.01

Secured Retail - FF

29,465 0.60 29,465 0.60

26,929 0.58 26,929 0.58

2,537 0.01 2,537 0.01

TOTAL SECURED RETAIL

FHLB Callable

35,000 0.44 35,000 0.44

20,000 0.76 20,000 0.76

15,000 -0.32 15,000 -0.32

Total FHLB Adv - Structured

TOTAL FHLB ADVANCES

35,000 0.44

20,000 0.76

15,000 -0.32

TOTAL BORROWINGS

64,465 0.51

46,929 0.66

17,537 -0.15

OTHER LIABILITIES

4,414 -- 4,414 --

3,692 -- 3,692 --

722 -- 722 --

Total Other Liabilities

Cloyd Bank & Trust - Page 72