CMS Case Study

CSBS Capital Markets School Cloyd Bank and Trust Case Study 1. ALCO Minutes

1.1. November 2020 Minutes and Package 1.2. February 2021 Minutes and Package 1.3. May 2021 Minutes and Package 1.4. August 2021 Minutes and Package 1.5. November 2021 Minutes and Package 1.6. February 2022 Minutes 2. Audit 2.1. EPRA Risk Assessment 2.2. Audit Policy 3. Investments 3.1. Investment Policy 3.2. Investment Portfolio Report 12/31/2021 3.3. Securities Transactions 2020 3.4. Securities Transactions 2021 4. Liquidity and Funds Management 4.1. Basic Short Term Liquidity Feb 2022 4.2. Contingency Funding Plan 4.3. Credit Lines

4.4. Large Depositors December 2021 4.5. Liquidity Basic Surplus Feb 2022 4.6. Balance Sheet Liquidity Feb 2022 4.7. Public Deposits December 31, 2021 5. Mortgage Banking 5.1. Secondary Mortgage Loans in Underwriting April 2022 5.2. Sold Secondary Mortgage Loans 6. Sensitivity to Market Risk 6.1. ALM Report 2021 ‐ 12 ‐ 31 6.2. Asset ‐ Liability Management Policy

6.3. Deposit Study Engagement Letter DCG 6.4. Independent Review of IRR Program 7. December 31, 2021 Financial Documents 7.1. Call Report

7.2. UBPR Annual Periods 7.3. UBPR Quarterly Periods

7.4. 2022 Budget 7.5. Balance Sheet 7.6. Income Statement 7.7. 2020 ‐ 2022 Strategic Plan 7.8. Deposit Market Share S&P Global