CMS Case Study

Balance Sheet Comparison - 03/31/2021

MAR 21

DEC 20

VARIANCE

Balance Rate

Balance Rate

Balance Rate 43 -0.02 0 -- 95 0.04 -26 -0.02 -26 0.00 -32 -0.14 -2 -0.05 318 -0.05 -649 -1.02 -28 -0.03 0 -- -3 0.01 0 -- 0 0.00 247 -0.02 -1,298 -0.15 -165 0.15 -1,847 -0.02 -1,994 -0.37 0 -- 0 -0.07

CD 36-47 Months

963 1.04 107 2.25 838 0.85 7,336 1.03

920 1.07 107 2.25 744 0.81 7,361 1.05

CD 36-47 Months Special

CD 48-59 Months CD 60+ Months

CD 60+ Months SPEC

1 2.25

1 2.25

IRA 6-11 Months

3,299 0.30

3,325 0.30

IRA 11 Month Special IRA 12-17 Months IRA 13 Months Special IRA 18-23 Months IRA 18 Month Special IRA 24-35 Months IRA 27 Month Special IRA 36-47 Months IRA 36-47 Months Special

19 0.33

51 0.47

1,892 0.53

1,894 0.58

55 0.57

55 0.64

2,379 0.57 238 0.85 214 0.89 21 1.00 524 1.29 14 2.25 101 0.80 5,027 1.01 70,996 0.57 310 0.85 2,726 0.85 5,077 1.16 255 1.00 1,317 1.99 9,046 1.01 300 0.40 622 0.85 35,977 0.76 335 0.30 10,826 0.30 5,164 0.56

2,061 0.62 888 1.87 243 0.92 21 1.00 527 1.28 14 2.25 101 0.80 4,780 1.03 72,294 0.72 310 0.85 2,982 0.97 5,062 1.16 255 1.00 1,311 1.99 8,519 1.05 300 0.40 290 0.85 39,360 0.81 500 0.15 12,673 0.32 7,159 0.93

IRA 48-59 Months IRA 60+ Months

Total CD

Jumbo CD 1-5 Months Jumbo CD 6-11 Months Jumbo CD 12-17 Months Jumbo CD 18-23 Months

1 --

Jumbo CD 18-23 Month Special

-256 -0.12

Jumbo CD 24-35 Months

15 0.00

Jumbo CD 24-35 Month Special

--

--

Jumbo CD 36-47 Months Jumbo CD 60+ Months Jumbo IRA 12-17 Months Jumbo IRA 60+ Months

7 --

527 -0.04

0 --

332 --

Total Jumbo CD

-3,383 -0.05

TOTAL TIME DEPOSITS

106,973 0.63

111,654 0.75

-4,680 -0.12

TOTAL DEPOSITS

678,340 0.32

607,080 0.35

71,260 -0.03

Secured Retail - FF

23,848 0.53 23,848 0.53

21,996 0.50 21,996 0.50

1,853 0.03 1,853 0.03

TOTAL SECURED RETAIL

FHLB Callable

20,000 0.76 20,000 0.76

20,000 0.76 20,000 0.76

-- --

-- --

Total FHLB Adv - Structured

TOTAL FHLB ADVANCES

20,000 0.76

20,000 0.76

--

--

TOTAL BORROWINGS

43,848 0.63

41,996 0.62

1,853 0.01

OTHER LIABILITIES

2,430 -- 2,430 --

4,347 -- 4,347 --

-1,917 -- -1,917 --

Total Other Liabilities

Cloyd Bank & Trust - Page 73