CMS Case Study

Time Deposit Migration - 3/31/2021

MATURITY PROJECTED JAN 21-MAR 21

CDS MATURING APR 21-JUN 21

MAR 21

DEC 20

RATE CHANGE

BALANCE

RATE

BALANCE

RATE $ CHANGE

BALANCE

RATE RETAINED % RUNOFF %

BALANCE

RATE

REGULAR

<12 MONTHS 12-23 MONTHS 24-59 MONTHS 60+ MONTHS

37,655 35,461 11,825 22,032 106,973

0.31 0.58 1.15 1.01 0.63

40,060 38,985 11,656 20,952 111,654

0.32 0.92 1.15 1.05 0.75

-2,405 -3,524

-0.01 -0.34

21,062

0.33 1.89 0.60 1.27 0.82

89% 62%

11% 38%

17,494

0.30 0.76 1.88 1.25 0.57

9,333

3,451 2,808

170

0.00

15

100% 100%

0% 0%

1,079 -4,680

-0.03 -0.12

1,156

393

TOTAL

31,565

85%

15%

24,145

TOTAL

106,973

0.63

111,654

0.75

-4,680

-0.12

31,565

0.82

85%

15%

24,145

0.57

Cloyd Bank & Trust - Page 16