CMS Case Study

Balance Sheet Mix - 9/30/2020

Asset Mix Comparison

9/30/2020 9/30/2019 % CHANGE $ CHANGE GROWTH RATE 34% 28% 6% 83,261 55% Agencies 0% 0% 0% 0 - MBS/CMO 15% 16% -1% 17,929 20% Municipals 5% 6% -1% (744) -2% Other 14% 5% 8% 66,076 223% 59% 63% -5% 58,903 17% Commercial RE 30% 36% -6% 7,419 4% C & I 10% 11% -1% 8,682 14% Residential 8% 8% 0% 11,954 29% Other 11% 8% 3% 30,849 69% 7% 9% -2% 2,177 5% TOTAL ASSETS 144,342 27% INVESTMENTS LOANS OTHER ASSETS 9/30/2020 9/30/2019 % CHANGE $ CHANGE GROWTH RATE 66% 62% 4% 118,427 35% DDA 23% 21% 2% 45,069 40% NOW 31% 30% 1% 47,642 29% Savings 3% 3% 0% 5,210 31% MMDA 9% 8% 1% 20,506 47% 17% 24% -7% (13,286) -10% 7% 4% 3% 27,301 144% FHLB 3% 2% 1% 10,000 100% Repo-Retail 4% 2% 2% 17,301 192% 10% 10% 0% 11,382 21% 1% 1% 0% 517 17% TIME DEPOSITS BORROWINGS

7%

9%

28%

34%

59%

63%

9/30/2020

9/30/2019

Liability Mix Comparison

NON-MATURITY

10% 1%

10% 1%

4%

7%

17%

24%

62%

66%

EQUITY OTHER LIABILITIES

TOTAL LIABILITIES & EQUITY

144,342

27%

9/30/2020

9/30/2019

Cloyd Bank & Trust - Page 6