CMS Case Study

Time Deposit Migration - 6/30/2021

MATURITY PROJECTED APR 21-JUN 21

CDS MATURING JUL 21-SEP 21

JUN 21

MAR 21

RATE CHANGE

BALANCE

RATE

BALANCE

RATE $ CHANGE

BALANCE

RATE RETAINED % RUNOFF %

BALANCE

RATE

REGULAR

<12 MONTHS 12-23 MONTHS 24-59 MONTHS 60+ MONTHS

32,958 37,278 11,547 22,645 104,427

0.26 0.52 0.79 1.00 0.57

37,655 35,461 11,825 22,032 106,973

0.31 0.58 1.15 1.01 0.63

-4,698 1,817

-0.05 -0.05 -0.36 -0.01 -0.06

17,494

0.30 0.76 1.88 1.25 0.57

73%

27%

19,467

0.29 0.56 1.70 1.19 0.45

3,451 2,808

100%

0%

8,713 1,038

-279

90%

10%

613

393

100%

0%

994

TOTAL

-2,546

24,145

89%

11%

30,214

TOTAL

104,427

0.57

106,973

0.63

-2,546

-0.06

24,145

0.57

89%

11%

30,214

0.45

Cloyd Bank & Trust - Page 16