CMS Case Study

Balance Sheet Comparison - 12/31/2020

DEC 20

SEP 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

LIABILITIES DDA DDA - PPP DDA Adjustment Total DDA

163,105 --

137,466 -- 20,169 --

25,639 -- -20,169 --

--

--

131 --

46 --

85 --

163,236 --

157,681 --

5,555 --

NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge NOW - Cloyd Prime (<10K) NOW - Cloyd Prime (10K-50K) NOW - Cloyd Prime (50K-150K) NOW - Cloyd Prime (>150K) NOW - Kasasa Total NOW

16,087 0.05

15,572 0.05 1,435 0.40 46,173 0.26 11,511 0.19 28,751 0.26 75,333 0.39 27,373 1.47 206,579 0.45 431 0.17

515 -- -777 -0.11 3,029 0.01 -285 0.00 -1,204 0.00 18,712 0.00 1,864 -0.02 21,853 0.00 -1 -0.01 2,662 -- 264 0.00 2,925 0.00 -5 -- 2 -- 10 -- 495 0.01 7,001 0.30 -207 0.03 325 0.01 37 0.00 321 0.00 7,997 -0.02 16 -0.01 -1,853 -0.45 -1,853 -0.45

659 0.30

49,202 0.27

430 0.16

11,225 0.20 27,547 0.26 94,045 0.39 29,236 1.45 228,432 0.45

Public NOW Total Public NOW

3,819 0.66 3,819 0.66

5,672 1.11 5,672 1.11

Savings - Secure Savings - Business Secure Total Savings

23,024 0.05 2,028 0.05 25,052 0.05 43 0.15 47 0.15 136 0.15 987 0.29 7,001 0.30 145 0.22 517 0.20 1,355 0.28 1,979 0.27 31,083 0.45 43,292 0.40

20,363 0.05 1,765 0.05 22,127 0.05

MMDA - Cloyd (<10K) MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+) Total MMDA

48 0.15 45 0.15 126 0.15 492 0.28

--

--

129 0.23 724 0.16 1,030 0.26 1,941 0.27 30,761 0.45 35,296 0.42

Public MMDA Total Public MMDA

31,594 0.18 31,594 0.18

28,582 0.18 28,582 0.18

3,013 -- 3,013 --

TOTAL NON MATURITY DEPOSITS

495,426 0.26

455,936 0.26

39,490 0.00

CD 1-5 Months CD 6-11 Months CD 11 Months Special CD 12-17 Months CD 13 Months Special CD 18-23 Months CD 18 Month Special CD 24-35 Months

201 0.26

354 0.66

-153 -0.39 -5,399 -0.33 -1,502 -1.14

22,940 0.32

28,339 0.64 1,873 1.53 9,624 0.75 276 0.85 5,844 0.74 8,244 2.13 1,241 0.76

371 0.39

10,051 0.63 277 0.66 8,026 0.65 4,984 2.02 1,571 0.65

427 -0.11

1 -0.19

2,181 -0.08 -3,260 -0.11

330 -0.11

Cloyd Bank & Trust - Page 69