CMS Case Study

Balance Sheet Mix - 6/30/2021

Asset Mix Comparison

6/30/2021 6/30/2020 % CHANGE $ CHANGE GROWTH RATE 46% 35% 12% 143,777 60% Agencies 1% 0% 1% 8,535 - MBS/CMO 28% 14% 14% 136,150 137% Municipals 4% 5% 0% 4,335 14% Other 13% 16% -3% (5,243) -5% 47% 58% -11% (11,337) -3% Commercial RE 25% 30% -5% (974) 0% C & I 9% 10% -2% 1,217 2% Residential 7% 7% 0% 12,607 26% Other 6% 11% -5% (24,188) -32% 7% 7% 0% 5,884 12% TOTAL ASSETS 138,323 20% INVESTMENTS LOANS OTHER ASSETS 6/30/2021 6/30/2020 % CHANGE $ CHANGE GROWTH RATE 72% 66% 6% 143,523 31% DDA 24% 23% 2% 45,294 29% NOW 34% 30% 4% 73,530 36% Savings 4% 3% 1% 11,033 52% MMDA 11% 11% 0% 13,666 18% 13% 18% -6% (20,904) -17% 5% 6% -1% 3,751 9% FHLB 2% 3% 0% 0 0% Repo-Retail 3% 3% 0% 3,751 18% 9% 9% 0% 12,649 20% 0% 1% 0% (696) -20% TIME DEPOSITS BORROWINGS

7%

7%

35%

46%

47%

58%

6/30/2021

6/30/2020

Liability Mix Comparison

NON-MATURITY

9% 0%

9% 1%

5%

6%

13%

18%

66%

72%

EQUITY OTHER LIABILITIES

TOTAL LIABILITIES & EQUITY

138,323

20%

6/30/2021

6/30/2020

Cloyd Bank & Trust - Page 6