CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

CD 27 Month Special CD 36-47 Months

779 1.03 1,325 1.20 107 2.25 708 0.83 6,158 1.10

777 1.03 1,359 1.19 107 2.25 736 0.84 4,904 1.20

2 0.00

-33 0.00

CD 36-47 Months Special

0 --

CD 48-59 Months CD 60+ Months

-28 -0.01 1,253 -0.10

CD 60+ Months SPEC CD Special 8 Months

1 2.25

1 2.25

0 --

--

--

1,527 1.85 877 0.61

-1,527 -1.85 1,381 -0.23 -1 -0.10 205 -0.28 -8 0.03 431 -0.13 -869 -0.06

IRA 6-11 Months

2,259 0.38

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

51 0.50

52 0.60

1,642 0.63

1,437 0.91

55 0.64

63 0.61

1,643 0.70 1,896 2.07 258 0.96 21 1.00 526 1.28 14 2.25 102 0.80 3,952 1.08

1,212 0.83 2,765 2.13 259 0.96 21 1.00 524 1.32 14 2.25 102 0.81 2,724 1.14 166 1.85 83,277 1.32 419 0.60 5,752 0.94 10,160 1.78 5,342 1.46 3,735 2.12 6,302 1.39 2,236 2.10 255 1.00 2,695 1.94 250 1.25 4,156 1.36 934 1.85 42,236 1.56

-1 0.00 0 -- 2 -0.04 0 -- 0 -0.01

IRA 48-59 Months IRA 60+ Months IRA Special 8 Months

1,228 -0.05 -166 -1.85 -5,986 -0.36

--

--

Total CD

77,291 0.96

Jumbo CD 1-5 Months Jumbo CD 6-11 Months

419 0.60

0 --

10,521 0.52 1,356 1.77 7,001 1.07 309 0.85 3,799 1.28 5,047 1.16 255 1.00 2,708 1.94

4,770 -0.42 -8,805 -0.01 1,659 -0.39 -3,426 -1.27 -2,503 -0.11 2,811 -0.95

Jumbo CD 6-11 Months Special

Jumbo CD 12-17 Months Jumbo CD 18-23 Months

Jumbo CD 18-23 Month Special

Jumbo CD 24-35 Months

Jumbo CD 24-35 Month Special Jumbo CD 36-47 Months Jumbo CD 48-59 Months Jumbo CD 60+ Months Jumbo CD Special 8 Months

--

--

13 0.00

--

--

-250 -1.25 1,608 -0.23 -934 -1.85 -5,057 -0.53

5,764 1.13

--

--

Total Jumbo CD

37,178 1.04

CD ADJUSTMENT

--

--

-182 --

182 --

TOTAL TIME DEPOSITS

114,469 0.98

125,331 1.40

-10,862 -0.42

TOTAL DEPOSITS

570,406 0.41

583,319 0.50

-12,913 -0.10

Secured Retail - FF

26,321 0.62 26,321 0.62

20,743 0.65 20,743 0.65

5,578 -0.03 5,578 -0.03

TOTAL SECURED RETAIL

FHLB Callable

20,000 0.76 20,000 0.76

20,000 0.76 20,000 0.76

-- --

-- --

Total FHLB Adv - Structured

TOTAL FHLB ADVANCES

20,000 0.76

20,000 0.76

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Cloyd Bank & Trust - Page 69