CMS Case Study
Balance Sheet Mix - 3/31/2021
Asset Mix Comparison
3/31/2021 3/31/2020 % CHANGE $ CHANGE GROWTH RATE 43% 32% 11% 151,295 79% Agencies 0% 0% 0% 0 - MBS/CMO 18% 15% 3% 53,893 59% Municipals 5% 6% -1% 2,664 8% Other 20% 11% 9% 94,738 144% 50% 60% -10% 37,340 10% Commercial RE 27% 34% -7% 6,146 3% C & I 9% 11% -2% 6,373 10% Residential 8% 8% -1% 10,763 22% Other 7% 7% 0% 14,058 35% 7% 8% -2% 2,204 4% TOTAL ASSETS 190,838 32% INVESTMENTS LOANS OTHER ASSETS 3/31/2021 3/31/2020 % CHANGE $ CHANGE GROWTH RATE 72% 63% 9% 191,578 50% DDA 24% 20% 4% 66,184 55% NOW 33% 30% 3% 83,613 46% Savings 4% 3% 1% 10,411 56% MMDA 12% 10% 2% 31,370 53% 14% 21% -8% (19,963) -16% 6% 6% 0% 9,975 29% FHLB 3% 3% -1% 0 0% Repo-Retail 3% 2% 1% 9,975 72% 8% 9% -1% 9,788 17% 0% 0% 0% (540) -18% TIME DEPOSITS BORROWINGS
7%
8%
32%
43%
50%
60%
3/31/2021
3/31/2020
Liability Mix Comparison
NON-MATURITY
8% 0%
9% 0%
6%
6%
14%
21%
63%
72%
EQUITY OTHER LIABILITIES
TOTAL LIABILITIES & EQUITY
190,838
32%
3/31/2021
3/31/2020
Cloyd Bank & Trust - Page 6
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