CMS Case Study

Time Deposit Migration - 12/31/2020

MATURITY PROJECTED OCT 20-DEC 20

CDS MATURING JAN 21-MAR 21

DEC 20

SEP 20

RATE CHANGE

BALANCE

RATE

BALANCE

RATE $ CHANGE

BALANCE

RATE RETAINED % RUNOFF %

BALANCE

RATE

REGULAR

<12 MONTHS 12-23 MONTHS 24-59 MONTHS 60+ MONTHS

40,060 38,985 11,656 20,952 111,654

0.32 0.92 1.15 1.05 0.75

45,172 40,332 13,090 15,876 114,469

0.67 1.19 1.27 1.11 0.98

-5,112 -1,347 -1,434 5,077 -2,816

-0.36 -0.27 -0.11 -0.06 -0.23

23,086

0.99 1.89 1.73 1.22 1.25

78% 82% 27%

22% 18% 73%

21,062

0.33 1.89 0.60 1.27 0.82

7,634 1,960

9,333

15

642

100%

0% 8%

1,156

TOTAL

33,323

92%

31,565

TOTAL

111,654

0.75

114,469

0.98

-2,816

-0.23

33,323

1.25

92%

8%

31,565

0.82

Cloyd Bank & Trust - Page 16