CMS Case Study

Balance Sheet Comparison - 12/31/2020

DEC 20

SEP 20

VARIANCE

Balance Rate 8,766 4.67

Balance Rate 9,102 4.90

Balance Rate

Total Res Const Fixed

-335 -0.24

TOTAL RESIDENTIAL CONSTRUCTION

8,766 4.67

9,102 4.90

-335 -0.24

C&I Fixed -

38,931 4.88 122 6.60 9,122 4.12 4,060 3.56 1,572 -- 53,807 4.51

38,671 4.94

260 -0.06 84 -0.76 972 -0.55 2,957 -1.94 -126 -- 4,148 -0.23 583 0.03 -25 -0.75 -375 -0.11 1,178 -0.12 -59 -- 1,301 -0.08 5,321 -0.10 653 -0.20 5,974 -0.11 950 -0.10 438 -0.06 -5 -- 209 -- 737 4.95 2,329 -0.06 5,449 -0.18

C&I Fixed - LOC C&I Fixed - I/O

38 7.36

8,150 4.67 1,103 5.50 1,697 -- 49,659 4.74

C&I Fixed - I/O LOC C&I Non-Accrual

Total C&I Fixed

C&I Adj 1M (Prime)

3,241 4.95

2,658 4.91

C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC C&I Adj 3M (Prime) I/O LOC

20 6.25

45 7.00

12,256 4.26 6,957 4.43

12,631 4.37 5,780 4.56

120 3.75

180 3.75

Total C&I Adj

22,595 4.41

21,294 4.49

TOTAL COMMERCIAL & INDUSTRIAL

76,402 4.48

70,952 4.67

CRE Fixed -

151,138 4.73 19,091 4.70 170,228 4.73

145,817 4.83 18,438 4.91 164,254 4.84

CRE Fixed - I/O Total CRE Fixed

CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O CRE Adj 3M (Prime) I/O

12,221 4.09 26,637 4.17

11,270 4.19 26,200 4.22

440 3.75 668 2.53 737 4.95

445 3.75 459 2.53

--

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Total CRE Adj

40,704 4.13

38,375 4.19

TOTAL COMMERCIAL RE

210,932 4.61

202,629 4.72

8,303 -0.10

HE Adj 1M (Prime) I/O LOC

19,332 4.32 19,332 4.32

19,848 4.31 19,848 4.31

-515 0.01 -515 0.01

Total HE Adj

TOTAL HOME EQUITY

19,332 4.32

19,848 4.31

-515 0.01

Install Fixed -

7,111 6.56 720 4.73

7,499 6.64 650 5.20

-388 -0.08

Install Fixed - I/O

70 -0.47 0 --

Install Fixed - I/O LOC Total Install Fixed

3 5.75

3 5.75

7,834 6.39

8,152 6.53

-318 -0.13

Install Adj 1M (Prime) Install Adj 1M (Prime) I/O Install Adj 1M (Prime) I/O LOC

789 3.50 248 3.27 1,195 4.84 2,232 4.19

830 3.57 257 3.31 1,023 4.98 2,109 4.22

-41 -0.07 -9 -0.04 173 -0.14 123 -0.03

Total Install Adj

Cloyd Bank & Trust - Page 67