CMS Case Study

Balance Sheet Mix - 12/31/2020

Asset Mix Comparison

12/31/2020 12/31/2019 % CHANGE $ CHANGE GROWTH RATE 37% 28% 8% 106,121 67% Agencies 0% 0% 0% 0 - MBS/CMO 15% 17% -2% 11,158 12% Municipals 5% 6% -1% 1,124 3% Other 17% 5% 12% 93,839 310% 56% 63% -7% 51,879 15% Commercial RE 29% 37% -7% 5,824 3% C & I 11% 11% -1% 12,757 20% Residential 8% 8% 0% 13,684 31% Other 8% 7% 1% 19,614 48% 7% 9% -2% 2,268 5% TOTAL ASSETS 160,268 29% INVESTMENTS LOANS OTHER ASSETS 12/31/2020 12/31/2019 % CHANGE $ CHANGE GROWTH RATE 69% 62% 7% 147,630 42% DDA 23% 21% 2% 48,505 42% NOW 32% 30% 2% 63,868 38% Savings 3% 3% 0% 6,755 37% MMDA 10% 8% 2% 28,503 61% 16% 23% -8% (17,142) -13% 6% 4% 2% 18,891 82% FHLB 3% 2% 1% 10,000 100% Repo-Retail 3% 2% 1% 8,891 68% 9% 10% -1% 10,524 19% 1% 1% 0% 365 9% TIME DEPOSITS BORROWINGS

7%

9%

28%

37%

56%

63%

12/31/2020

12/31/2019

Liability Mix Comparison

NON-MATURITY

9% 1%

10% 1%

6%

4%

16%

23%

62%

69%

EQUITY OTHER LIABILITIES

TOTAL LIABILITIES & EQUITY

160,268

29%

12/31/2020

12/31/2019

Cloyd Bank & Trust - Page 6