CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

ASSETS Fed Funds Sold FFS - SERVISFIRST

60,329 0.10 10,880 0.45 6,064 0.50 77,273 0.18

73,477 0.10 10,880 0.45 6,062 0.50 90,419 0.17 3,731 1.95 90,716 2.00 2,480 2.00 96,927 2.00

-13,148 --

--

--

Centerstate (Int Bearing)

2 --

TOTAL SHORT TERM INVESTMENTS

-13,146 0.01

MBS Fixed GNMA AFS MBS Fixed GSE AFS

4,934 1.73 98,629 1.82

1,202 -0.23 7,913 -0.18 -2,480 -2.00 6,636 -0.19

MBS Adjustment

--

--

TOTAL MBS

103,563 1.81

CMO Fixed GSE AFS

2,290 2.21 2,290 2.21

2,418 2.09 2,418 2.09

-128 0.12 -128 0.12

TOTAL CMO

Muni Fixed AFS

1,064 1.12 28,356 3.58 822 4.25 2,327 3.44 32,569 3.51

--

--

1,064 1.12 -938 -0.02 -1 0.00 503 -0.51 628 -0.13

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

29,294 3.60 823 4.26 1,823 3.95 31,940 3.64

Muni Fixed Callable AFS

TOTAL MUNI

Corporate Adj 3M (3M LIBOR) Callable AFS

300 4.00 300 4.00

300 4.06 300 4.06

-- -0.06 -- -0.06

TOTAL CORPORATE

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

5,174 2.92 250 1.66 5,424 2.86

5,909 2.90

-735 0.02 250 1.66 -485 -0.04

--

--

TOTAL OTHER LIQUID ASSETS

5,909 2.90

SBA-Other Fixed GSE AFS

5,307 3.26 5,307 3.26

5,579 3.26 5,579 3.26

-272 -- -272 --

TOTAL SBA-OTHER

FHLB Stock

1,354 4.00 1,201 -- 4,833 --

1,354 4.35 1,177 -- 4,863 --

-- -0.35 24 -- -30 --

SERP Deferred Compensation Unrealized G/L (ASC 320)

TOTAL INVESTMENTS

234,112 1.54

240,886 1.55

-6,774 -0.01

Res Fixed 10Y

9,415 5.59 3,736 4.91 10,737 4.50 2,375 4.16 15,165 3.74 41,427 4.49

9,970 5.60 3,997 5.25 10,488 4.67 2,006 4.25 9,968 4.03 36,430 4.79

-555 -0.01 -261 -0.34 249 -0.18 369 -0.08 5,196 -0.29 4,998 -0.30

Res Fixed 10Y I/O

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

Residential Fixed

Res Adj 1M (Prime) Res Adj 3M (Prime) Residential Adj

11 5.50

12 5.50

-1 --

11,807 4.42 11,818 4.42

12,099 4.48 12,111 4.49

-292 -0.06 -292 -0.06

TOTAL RESIDENTIAL

53,246 4.47

48,540 4.71

4,706 -0.24

Res Const Fixed - I/O

9,102 4.90

8,417 5.12

685 -0.22

Cloyd Bank & Trust - Page 65