CMS Case Study

Time Deposit Migration - 9/30/2020

MATURITY PROJECTED JUL 20-SEP 20

CDS MATURING OCT 20-DEC 20

SEP 20

JUN 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

45,172 40,332 13,090 15,876

0.67 1.19 1.27 1.11 0.00 0.98 0.00 0.00 0.00 0.00 0.00

57,485 43,144 10,470 11,786

1.28 1.56 1.50 1.24 0.00 1.39 1.85 0.00 0.00 0.00 1.85

-12,314 -2,812

-0.60 -0.37 -0.24 -0.13

33,970 11,736

1.48 2.00 1.53 1.40 0.00 1.60 1.85 0.00 0.00 0.00 1.85

64% 76%

36% 24%

23,086

0.99 1.89 1.73 1.22 0.00 1.25 0.00 0.00 0.00 0.00 0.00

7,634 1,960

2,620 4,089

1,028 2,253

100% 100%

0% 0%

642

OTHER TOTAL

0

-182

182

0.00

0

0%

100%

0

114,469

122,703

-8,234

-0.41

48,987

83%

17%

33,323

SPECIAL

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

0 0 0 0 0

2,628

-2,628

-1.85

2,628

0% 0% 0% 0% 0%

100%

0 0 0 0 0

0 0 0

0 0 0

0.00 0.00 0.00 0.00

0 0 0

0% 0% 0%

TOTAL

2,628

-2,628

2,628

100%

TOTAL

114,469

0.98

125,331

1.40

-10,862

-0.42

51,614

1.61

79%

21%

33,323

1.25

Cloyd Bank & Trust - Page 16