CMS Case Study

Balance Sheet Comparison - 03/31/2021

MAR 21

DEC 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate

LIABILITIES DDA DDA Adjustment Total DDA

186,988 --

163,105 --

23,883 -- -131 -- 23,751 -- 1,445 0.00 622 0.11 13,739 0.00 -53 0.00 -236 -- 841 0.00 8,885 0.00 3,686 -0.04 28,931 0.00 3,944 -- 113 0.00 4,058 0.00 35 -- -17 -- -60 -- 429 0.00 5,007 -- -42 -0.05 -22 -0.05 51 0.01 621 0.00 5,350 -0.01 11,352 -0.01 3,133 -0.03 3,133 -0.03

--

--

131 --

186,988 --

163,236 --

NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge NOW - Cloyd Prime (<10K) NOW - Cloyd Prime (10K-50K) NOW - Cloyd Prime (50K-150K) NOW - Cloyd Prime (>150K) NOW - Kasasa Total NOW

17,532 0.05 1,281 0.41 62,942 0.27 10,990 0.20 28,388 0.26 102,930 0.39 32,923 1.41 257,363 0.45 377 0.16

16,087 0.05

659 0.30

49,202 0.27

430 0.16

11,225 0.20 27,547 0.26 94,045 0.39 29,236 1.45 228,432 0.45

Public NOW Total Public NOW

6,952 0.64 6,952 0.64

3,819 0.66 3,819 0.66

Savings - Secure Savings - Business Secure Total Savings

26,968 0.05 2,142 0.05 29,110 0.05

23,024 0.05 2,028 0.05 25,052 0.05 43 0.15 47 0.15 136 0.15 987 0.29 7,001 0.30 145 0.22 517 0.20 1,355 0.28 1,979 0.27 31,083 0.45 43,292 0.40

MMDA - Cloyd (<10K) MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+) Total MMDA

78 0.15 30 0.15 76 0.15

1,416 0.28 12,009 0.30 103 0.17 495 0.15 1,406 0.29 2,600 0.26 36,432 0.45 54,644 0.39

Public MMDA Total Public MMDA

36,310 0.18 36,310 0.18

31,594 0.18 31,594 0.18

4,715 -- 4,715 --

TOTAL NON MATURITY DEPOSITS

571,366 0.26

495,426 0.26

75,940 0.00

CD 1-5 Months CD 6-11 Months CD 11 Months Special CD 12-17 Months CD 13 Months Special CD 18-23 Months CD 18 Month Special CD 24-35 Months CD 27 Month Special

798 0.35

201 0.26

598 0.09 -992 -0.01

21,948 0.31

22,940 0.32

431 0.38

371 0.39

60 -0.01

11,447 0.51 277 0.66 9,811 0.56 861 0.83 1,611 0.65 783 1.03

10,051 0.63 277 0.66 8,026 0.65 4,984 2.02 1,571 0.65 781 1.03

1,396 -0.13

0 0.00

1,785 -0.09 -4,123 -1.19

40 -0.01 2 0.00

Cloyd Bank & Trust - Page 72