CMS Case Study

Balance Sheet Comparison - 9/30/2020

SEP 20

JUN 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

TOTAL BORROWINGS

46,321 0.68

40,743 0.70

5,578 -0.02

OTHER LIABILITIES

3,556 -- 3,556 --

3,534 -- 3,534 --

22 -- 22 --

Total Other Liabilities

Equity

62,233 -- 3,576 -- 65,809 --

60,879 -- 3,599 -- 64,477 --

1,354 -- -22 -- 1,332 --

OCI (ASC 320) Total Equity

TOTAL LIABILITIES & EQUITY

686,092 0.38

692,073 0.47

-5,981 -0.08

Cloyd Bank & Trust - Page 70