CMS Case Study

Balance Sheet Comparison - 03/31/2021

MAR 21

DEC 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

Res Const Fixed -

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234 4.25 8,532 4.68 8,766 4.67

-234 -4.25 -782 -0.32 -1,016 -0.31

Res Const Fixed - I/O Total Res Const Fixed

7,751 4.36 7,751 4.36

TOTAL RESIDENTIAL CONSTRUCTION

7,751 4.36

8,766 4.67

-1,016 -0.31

C&I Fixed -

43,734 4.50 118 6.62 8,399 4.31 1,233 5.09 1,212 -- 54,696 4.38

38,931 4.88 122 6.60 9,122 4.12 4,060 3.56 1,572 -- 53,807 4.51

4,803 -0.38

C&I Fixed - LOC C&I Fixed - I/O

-5 0.02

-723 0.19 -2,827 1.53 -360 --

C&I Fixed - I/O LOC C&I Non-Accrual

Total C&I Fixed

889 -0.13

C&I Adj 1M (Prime)

4,333 4.19

3,241 4.95

1,092 -0.75

C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC C&I Adj 3M (Prime) I/O LOC C&I Adj 3M (Prime) Non-Accrual

46 5.73

20 6.25

26 -0.52

4,175 4.25 9,144 4.27

12,256 4.26 6,957 4.43

-8,081 -0.01 2,186 -0.17

31 3.75 85 --

120 3.75

-89 -- 85 --

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Total C&I Adj

17,815 4.23

22,595 4.41

-4,780 -0.19

TOTAL COMMERCIAL & INDUSTRIAL

72,510 4.35

76,402 4.48

-3,891 -0.14

CRE Fixed -

149,073 4.66 20,357 4.57 169,430 4.65 13,346 4.08 24,538 4.19 436 3.75 1,043 2.53 734 4.95 40,095 4.12

151,138 4.73 19,091 4.70 170,228 4.73

-2,065 -0.07 1,266 -0.14 -799 -0.08 1,125 -0.01 -2,100 0.02 -5 -- 375 -- -3 -- -609 -0.01

CRE Fixed - I/O Total CRE Fixed

CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O CRE Adj 3M (Prime) I/O

12,221 4.09 26,637 4.17

440 3.75 668 2.53 737 4.95

Total CRE Adj

40,704 4.13

TOTAL COMMERCIAL RE

209,525 4.55

210,932 4.61

-1,407 -0.07

HE Adj 1M (Prime) I/O LOC

18,061 4.32 18,061 4.32

19,332 4.32 19,332 4.32

-1,272 0.00 -1,272 0.00

Total HE Adj

TOTAL HOME EQUITY

18,061 4.32

19,332 4.32

-1,272 0.00

Install Fixed -

7,198 6.37 780 4.45

7,111 6.56 720 4.73

87 -0.19 61 -0.28 0 -- 149 -0.21

Install Fixed - I/O

Install Fixed - I/O LOC Total Install Fixed

4 5.75

3 5.75

7,982 6.18

7,834 6.39

Install Adj 1M (Prime)

777 3.50

789 3.50

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Cloyd Bank & Trust - Page 70