CMS Case Study

Balance Sheet Comparison - 03/31/2021

MAR 21

DEC 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

ASSETS Fed Funds Sold FFS - SERVISFIRST

130,196 0.10 9,880 0.10 6,069 0.10 146,145 0.10 3,352 2.46 132,461 1.73 135,812 1.75

90,233 0.10 9,880 0.10 6,068 0.10 106,181 0.10 3,975 1.85 99,467 1.68 103,442 1.69

39,962 --

--

--

Centerstate (Int Bearing)

2 --

TOTAL SHORT TERM INVESTMENTS

39,964 --

MBS Fixed GNMA AFS MBS Fixed GSE AFS

-623 0.61 32,993 0.05 32,370 0.06

TOTAL MBS

CMBS-MBS Fixed GSE AFS

7,879 1.77 7,879 1.77

-- --

-- --

7,879 1.77 7,879 1.77

TOTAL CMBS-MBS

CMO Fixed GSE AFS

2,014 2.42 2,014 2.42

2,112 2.23 2,112 2.23

-98 0.20 -98 0.20

TOTAL CMO

Muni Fixed AFS

1,777 1.16 27,027 3.54 1,468 3.92 5,541 2.75 35,813 3.31

1,778 1.16 27,227 3.56 821 4.26 4,235 2.87 34,061 3.37

0 --

Muni Fixed Callable Tax Exempt AFS Muni Fixed Callable Tax Exempt AFS (Manu

-201 -0.03 648 -0.34 1,305 -0.12 1,752 -0.05

Muni Fixed Callable AFS

TOTAL MUNI

Corporate Adj 3M (3M LIBOR) Callable AFS

300 3.93 300 3.93

300 3.97 300 3.97

-- -0.03 -- -0.03

TOTAL CORPORATE

Other Liquid Assets Fixed AFS CD Other Liquid Assets Fixed AFS (Manual)

4,679 2.92 250 1.66 4,929 2.85

4,679 2.92 250 1.66 4,929 2.85

-- -- --

-- -- --

TOTAL OTHER LIQUID ASSETS

SBA-Other Fixed GSE AFS

4,669 3.28 4,669 3.28

5,306 3.26 5,306 3.26

-637 0.02 -637 0.02

TOTAL SBA-OTHER

FHLB Stock

1,110 3.72 1,135 -- 2,118 --

1,354 3.72 1,229 -- 4,776 --

-244 -- -94 -- -2,659 -- 78,232 -0.06 -612 0.02 -817 0.03 -339 -0.05 -716 -0.04 4,657 -0.22 2,172 -0.23

SERP Deferred Compensation Unrealized G/L (ASC 320)

TOTAL INVESTMENTS

341,923 1.24

263,690 1.30

Res Fixed 10Y

8,205 5.62 2,636 4.94 10,469 4.31 1,635 4.12 24,667 3.25 47,612 4.02

8,817 5.60 3,453 4.91 10,808 4.36 2,351 4.16 20,010 3.48 45,440 4.24

Res Fixed 10Y I/O

Res Fixed 15Y Res Fixed 20Y Res Fixed 30Y

Residential Fixed

Res Adj 1M (Prime) Res Adj 3M (Prime) Residential Adj

281 4.05

283 4.05

-2 0.00

12,057 4.44 12,338 4.44

12,408 4.43 12,691 4.42

-351 0.01 -353 0.01

TOTAL RESIDENTIAL

59,950 4.10

58,131 4.28

1,819 -0.18

Cloyd Bank & Trust - Page 69