CMS Case Study

Stress Test: Loan Pricing – Reduce Loan Replacement Rates 25bps

Base Simulation as of 06/30/2021

Monthly Net Interest Income (NII) Projections

Monthly Net Interest Income (NII) Projections

2,350

YEAR 1

YEAR 2

YEAR 1

YEAR 2

2,125

1,900

1,675

1,450

1,225

M1 M2 M3 M4 M5 M6 M7 M8 M9

M1 M2 M3 M4 M5 M6 M7 M8 M9

M1 M2 M3 M4 M5 M6 M7 M8 M9

M1 M2 M3 M4 M5 M6 M7 M8 M9

M10

M11

M12

M10

M11

M12

M10

M11

M12

M10

M11

M12

Base

Base

NII RESULTS

Y1

Y2

Y1

Y2

Y1

Y2

20,539

17,896

-183

-418

20,721

18,315

BASE

DIFFERENCE

1. Assume all loan replacement rates are 25bps lower. 2. Please refer to the Stress Test Methodology page for additional documentation.

Cloyd Bank & Trust - Page 42