CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

Overdraft (Manual)

193 --

113 --

80 --

TOTAL INSTALLMENTS

10,454 5.94

10,954 6.00

-501 -0.06

Gov&Agy Fixed -

1,665 1.00 40,338 1.00 42,003 1.00

2,288 1.61 40,097 1.00 42,385 1.03

-623 -0.61 241 -- -382 -0.03

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

TOTAL GOV&AGY GUARANTEED

42,003 1.00

42,385 1.03

-382 -0.03

Loans Held For Sale (Manual) LOAND HELD FOR SALE

1,457 -- 1,457 --

1,739 -- 1,739 --

-282 -- -282 --

Other Loan Items

-299 -- -1,254 -- 75 -- -139 4.37 -5,830 -- 402,243 4.37 10,358 -- 11,654 -- 16,662 -- 11,062 -- 49,736 --

-216 -- -1,493 -- -52 -- -204 4.47 -5,577 -- 401,456 4.47 10,394 -- 11,584 -- 16,713 -- 11,039 -- 49,730 --

-82 -- 238 -- 127 -- 65 -0.09 -253 -- 787 -0.09 -36 -- 70 -- -51 -- 23 --

Unearned SBA PPP Orig. Fees

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

Cash & Due

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

6 --

TOTAL ASSETS

686,092 3.09

692,073 3.13

-5,981 -0.04

Cloyd Bank & Trust - Page 67