CMS Case Study

Balance Sheet Comparison - 03/31/2021

MAR 21

DEC 20

VARIANCE

Balance Rate 247 3.25 1,138 4.73 2,162 4.12

Balance Rate 248 3.27 1,195 4.84 2,232 4.19

Balance Rate

Install Adj 1M (Prime) I/O Install Adj 1M (Prime) I/O LOC

-1 -0.02 -57 -0.11 -70 -0.07

Total Install Adj

TOTAL INSTALLMENTS

10,144 5.74

10,065 5.90

79 -0.16

Gov&Agy Fixed -

1,560 0.84 22,386 1.00 23,946 0.99

1,582 0.87 26,644 1.00 28,227 0.99

-23 -0.03

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

-4,258 -- -4,281 0.00

TOTAL GOV&AGY GUARANTEED

23,946 0.99

28,227 0.99

-4,281 0.00

Loans Held For Sale (Manual) LOAND HELD FOR SALE

1,113 -- 1,113 --

1,080 -- 1,080 --

32 -- 32 --

Other Loan Items

-383 -- -819 -- 865 -- -21 -- -6,082 -- 396,557 4.31 9,572 -- 15,330 -- 16,664 -- 10,306 -- 51,872 --

-345 -- -673 -- 91 --

-38 -- -147 -- 773 -- -12 -- -20 -- -9,382 -0.07 2,025 -- 93 -- -98 -- -387 -- 1,633 --

Unearned SBA PPP Orig. Fees

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

-9 --

-6,062 -- 405,939 4.38

Cash & Due

7,547 -- 15,237 -- 16,762 -- 10,693 -- 50,239 --

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

TOTAL ASSETS

790,352 2.70

719,869 2.94

70,483 -0.25

Cloyd Bank & Trust - Page 71