CMS Case Study

Balance Sheet Comparison - 12/31/2020

DEC 20

SEP 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

ASSETS Fed Funds Sold FFS - SERVISFIRST

90,233 0.10 9,880 0.10 6,068 0.10 106,181 0.10 3,975 1.85 99,467 1.68 103,442 1.69

60,329 0.10 10,880 0.45 6,064 0.50 77,273 0.18 4,934 1.73 98,629 1.82 103,563 1.81

29,904 -- -1,000 -0.35

Centerstate (Int Bearing)

4 -0.40

TOTAL SHORT TERM INVESTMENTS

28,908 -0.08

MBS Fixed GNMA AFS MBS Fixed GSE AFS

-959 0.13 838 -0.14 -121 -0.12

TOTAL MBS

CMO Fixed GSE AFS

2,112 2.23 2,112 2.23

2,290 2.21 2,290 2.21

-177 0.02 -177 0.02

TOTAL CMO

Muni Fixed AFS

1,778 1.16 27,227 3.56 821 4.26 4,235 2.87 34,061 3.37

1,064 1.12 28,356 3.58 822 4.25 2,327 3.44 32,569 3.51

714 0.04

Muni Fixed Callable Tax Exempt AFS Muni Fixed Callable Tax Exempt AFS (Manu

-1,129 -0.01

-1 0.00

Muni Fixed Callable AFS

1,908 -0.57 1,492 -0.14

TOTAL MUNI

Corporate Adj 3M (3M LIBOR) Callable AFS

300 3.97 300 3.97

300 4.00 300 4.00

-- -0.03 -- -0.03

TOTAL CORPORATE

Other Liquid Assets Fixed AFS CD Other Liquid Assets Fixed AFS (Manual)

4,679 2.92 250 1.66 4,929 2.85

5,174 2.92 250 1.66 5,424 2.86

-495 0.00

--

--

TOTAL OTHER LIQUID ASSETS

-495 -0.01

SBA-Other Fixed GSE AFS

5,306 3.26 5,306 3.26

5,307 3.26 5,307 3.26

-1 0.00 -1 0.00

TOTAL SBA-OTHER

FHLB Stock

1,354 3.72 1,229 -- 4,776 --

1,354 4.00 1,201 -- 4,833 --

-- -0.28 28 -- -57 --

SERP Deferred Compensation Unrealized G/L (ASC 320)

TOTAL INVESTMENTS

263,690 1.30

234,112 1.54

29,578 -0.24

Res Fixed 10Y

8,817 5.60 3,453 4.91 10,808 4.36 2,351 4.16 20,010 3.48 45,440 4.24

9,415 5.59 3,736 4.91 10,737 4.50 2,375 4.16 15,165 3.74 41,427 4.49

-598 0.01 -283 -0.01 72 -0.13 -23 0.00 4,846 -0.27 4,013 -0.24 272 -1.45 601 0.01 873 0.00

Res Fixed 10Y I/O

Res Fixed 15Y Res Fixed 20Y Res Fixed 30Y

Residential Fixed

Res Adj 1M (Prime) Res Adj 3M (Prime) Residential Adj

283 4.05

11 5.50

12,408 4.43 12,691 4.42

11,807 4.42 11,818 4.42

TOTAL RESIDENTIAL

58,131 4.28

53,246 4.47

4,886 -0.19

Res Const Fixed -

234 4.25 8,532 4.68

--

--

234 4.25 -569 -0.22

Res Const Fixed - I/O

9,102 4.90

Cloyd Bank & Trust - Page 66