CMS Case Study

Balance Sheet Comparison - 12/31/2020

DEC 20

SEP 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

Overdraft (Manual)

--

--

193 --

-193 -- -388 -0.04

TOTAL INSTALLMENTS

10,065 5.90

10,454 5.94

Gov&Agy Fixed -

1,582 0.87 26,644 1.00 28,227 0.99

1,665 1.00 40,338 1.00 42,003 1.00

-83 -0.13

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

-13,694 -- -13,777 -0.01

TOTAL GOV&AGY GUARANTEED

28,227 0.99

42,003 1.00

-13,777 -0.01

Loans Held For Sale (Manual) LOAND HELD FOR SALE

1,080 -- 1,080 --

1,457 -- 1,457 --

-377 -- -377 --

Other Loan Items

-345 -- -673 -- 91 --

-299 -- -1,254 -- 75 -- -139 4.37 -5,830 -- 402,243 4.37 10,358 -- 11,654 -- 16,662 -- 11,062 -- 49,736 --

-46 -- 582 -- 16 -- 130 -4.37 -232 -- 3,696 0.00 -2,811 -- 3,584 -- 100 -- -369 --

Unearned SBA PPP Orig. Fees

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

-9 --

-6,062 -- 405,939 4.38

Cash & Due

7,547 -- 15,237 -- 16,762 -- 10,693 -- 50,239 --

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

503 --

TOTAL ASSETS

719,869 2.94

686,092 3.09

33,777 -0.15

Cloyd Bank & Trust - Page 68