CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

LIABILITIES DDA DDA - PPP DDA Adjustment Total DDA

137,466 -- 20,169 --

136,106 -- 20,048 --

1,360 -- 121 --

46 --

--

--

46 --

157,681 --

156,154 --

1,527 --

NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge NOW - Cloyd Prime (<10K) NOW - Cloyd Prime (10K-50K) NOW - Cloyd Prime (50K-150K) NOW - Cloyd Prime (>150K) NOW - Kasasa Total NOW

15,572 0.05 1,435 0.40 46,173 0.26 11,511 0.19 28,751 0.26 75,333 0.39 27,373 1.47 206,579 0.45 431 0.17

15,752 0.05 1,505 0.38 45,974 0.26 11,977 0.20 27,346 0.26 68,619 0.39 27,031 1.46 198,633 0.45 428 0.16 19,181 0.07 1,968 0.05 21,149 0.07 18 0.15 20 0.15 50 0.15 181 0.15 435 0.27 114 0.21 485 0.19 1,471 0.28 2,113 0.27 40,261 0.43 45,148 0.41 6,834 0.63 6,834 0.63

-180 0.00 -70 0.02 199 0.01 -467 0.00 1,405 0.00 6,714 0.00 341 0.01 7,946 0.00 3 0.01

Public NOW Total Public NOW

5,672 1.11 5,672 1.11

-1,163 0.48 -1,163 0.48

Savings - Secure Savings - Business Secure Total Savings

20,363 0.05 1,765 0.05 22,127 0.05

1,182 -0.02 -204 0.00 978 -0.02 30 -- 25 -- 76 -- 312 0.13 -435 -0.27 15 0.03 238 -0.03 -441 -0.02 -172 0.00 -9,500 0.02 -9,852 0.01

MMDA - Cloyd (<10K) MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+) Total MMDA

48 0.15 45 0.15 126 0.15 492 0.28

--

--

129 0.23 724 0.16 1,030 0.26 1,941 0.27 30,761 0.45 35,296 0.42

Public MMDA Total Public MMDA

28,582 0.18 28,582 0.18

30,068 0.18 30,068 0.18

-1,487 -- -1,487 --

TOTAL NON MATURITY DEPOSITS

455,936 0.26

457,988 0.26

-2,051 0.01

CD 1-5 Months CD 6-11 Months CD 11 Months Special CD 12-17 Months CD 13 Months Special CD 18-23 Months CD 18 Month Special CD 24-35 Months

354 0.66

231 0.49

123 0.16 2,251 -0.30 -12,034 -0.21 3,285 -0.16 163 -- 1,000 -0.38 -2,748 -0.01

28,339 0.64 1,873 1.53 9,624 0.75 276 0.85 5,844 0.74 8,244 2.13 1,241 0.76

26,088 0.95 13,906 1.74 6,339 0.91 114 0.85 4,844 1.11 10,992 2.14 1,136 0.77

105 -0.01

Cloyd Bank & Trust - Page 68