CMS Case Study

DATE: 2/10/22 DECEMBER 2021 THRU 02/10/22 REPORT Cloyd Bank & EXCLUDE 50

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UNEARNED INCOME ORIG FEES 742,732.60 UNEARNED SBA PPP ORIG FEES 36,611.69 TOTAL OTHER LOANS 540,919.11 CHARGED OFF LOANS COML 294,329.25 CHARGED OFF LOANS RE 13,935.36 CHARGED OFF LOANS CONSUMER 10,881.33 CHARGED OFF DDA/SAV ACCTS 33,342.28 CHARGED OFF LOCS 1,711.84 CHARGE OFFS-CURRENT YR 354,200.06 RECOVERED COML LOAN CHARGE OFFS 80,362.59 RECOVERED CONSUMER CHARGE OFFS 26,214.39 RECOVERED REAL ESTATE CHARGE OFFS 8,025.00 RECOVERED DDA/SAV ACCTS 7,083.92 RECOVERED LOCS .00 RECOVERIES-CURRENT YR 121,685.90

ALLOWANCE FOR LOAN LOSS 7,509,596.79 ALLOWANCE FOR LOAN LOSSES-SSBCI 388,945.33

TOTAL ALLOWANCE FOR LOAN LOSS 7,666,027.96

NET LOANS 425,286,487.36

OTHER REAL ESTATE .00

REAL ESTATE VENTURES 6,540,613.00

LAND 3,996,607.29 LAND IMPROVEMENTS 378,947.88 CONSTRUCTION IN PROCESS 1,498,974.31