CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate 9,102 4.90

Balance Rate 8,417 5.12

Balance Rate

Total Res Const Fixed

685 -0.22

TOTAL RESIDENTIAL CONSTRUCTION

9,102 4.90

8,417 5.12

685 -0.22

C&I Fixed -

38,671 4.94

41,506 5.01

-2,835 -0.07 -35 0.53 1,527 -0.30 -158 -0.34 672 -- -830 -0.19 -17 -0.12 -1 0.03 2,936 -0.04 -768 0.05

C&I Fixed - LOC C&I Fixed - I/O

38 7.36

73 6.83

8,150 4.67 1,103 5.50 1,697 -- 49,659 4.74

6,623 4.97 1,261 5.84 1,025 -- 50,488 4.93

C&I Fixed - I/O LOC C&I Non-Accrual

Total C&I Fixed

C&I Adj 1M (Prime)

2,658 4.91

2,675 5.03

C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC C&I Adj 3M (Prime) I/O LOC

45 7.00

46 6.97

12,631 4.37 5,780 4.56

9,695 4.42 6,547 4.50 181 3.75 19,144 4.53

180 3.75

-1 --

Total C&I Adj

21,294 4.49

2,149 -0.04

TOTAL COMMERCIAL & INDUSTRIAL

70,952 4.67

69,633 4.82

1,319 -0.15

CRE Fixed -

145,817 4.83 18,438 4.91

154,323 4.90 20,908 5.06 -10,698 3.91 164,534 4.98

-8,506 -0.07 -2,471 -0.16 10,698 -3.91 -279 -0.14

CRE Fixed - I/O

CRE Participation (Manual)

--

--

Total CRE Fixed

164,254 4.84

CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O

11,270 4.19 26,200 4.22

9,220 4.32 31,886 3.91

2,051 -0.14 -5,686 0.32

445 3.75 459 2.53

449 3.75 424 2.53

-3 -- 35 --

Total CRE Adj

38,375 4.19

41,978 3.98

-3,604 0.21

TOTAL COMMERCIAL RE

202,629 4.72

206,512 4.78

-3,883 -0.06

HE Adj 1M (Prime) I/O LOC

19,848 4.31 19,848 4.31

20,818 4.30 20,818 4.30

-970 0.01 -970 0.01

Total HE Adj

TOTAL HOME EQUITY

19,848 4.31

20,818 4.30

-970 0.01

Install Fixed -

7,499 6.64 650 5.20

7,713 6.76 495 5.99

-214 -0.11 155 -0.79 -1 -- -61 -0.18 -12 0.00 -495 0.04 -13 0.01 -519 0.19

Install Fixed - I/O

Install Fixed - I/O LOC Total Install Fixed

3 5.75

5 5.75

8,152 6.53

8,213 6.71

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

830 3.57 257 3.31 1,023 4.98 2,109 4.22

841 3.57 752 3.27 1,036 4.97 2,629 4.04

Total Install Adj

Cloyd Bank & Trust - Page 66