CMS Case Study

Balance Sheet Comparison - 6/30/2021

JUN 21

MAR 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

ASSETS Fed Funds Sold FFS - SERVISFIRST

75,269 0.15 9,880 0.15 6,071 0.15 91,220 0.15

130,196 0.10 9,880 0.10 6,069 0.10 146,145 0.10

-54,926 0.05

-- 0.05 2 0.05

Centerstate (Int Bearing)

TOTAL SHORT TERM INVESTMENTS

-54,925 0.05

Treasury Fixed AFS TOTAL TREASURY

8,535 1.28 8,535 1.28

-- --

-- --

8,535 1.28 8,535 1.28

MBS Fixed GNMA AFS MBS Fixed GSE AFS

2,693 2.48 214,385 1.57 217,078 1.59

3,352 2.46 132,461 1.73 135,812 1.75

-659 0.02 81,924 -0.16 81,265 -0.16

TOTAL MBS

CMBS-MBS Fixed GSE AFS

16,517 1.79 16,517 1.79

7,879 1.77 7,879 1.77

8,638 0.01 8,638 0.01

TOTAL CMBS-MBS

CMO Fixed GSE AFS

1,900 2.35 1,900 2.35

2,014 2.42 2,014 2.42

-114 -0.08 -114 -0.08

TOTAL CMO

Muni Fixed AFS

1,777 1.16 27,930 3.48 1,467 3.92 5,102 2.56 36,275 3.25

1,777 1.16 27,027 3.54 1,468 3.92 5,541 2.75 35,813 3.31

0 0.00

Muni Fixed Callable Tax Exempt AFS Muni Fixed Callable Tax Exempt AFS (Manu

903 -0.06 -2 0.00 -439 -0.20 462 -0.06

Muni Fixed Callable AFS

TOTAL MUNI

Corporate Adj 3M (3M LIBOR) Callable AFS

300 3.87 300 3.87

300 3.93 300 3.93

-- -0.06 -- -0.06

TOTAL CORPORATE

Other Liquid Assets Fixed AFS CD Other Liquid Assets Fixed AFS (Manual)

3,699 2.90 250 1.66 3,949 2.82

4,679 2.92 250 1.66 4,929 2.85

-980 -0.02

--

--

TOTAL OTHER LIQUID ASSETS

-980 -0.04

SBA-Other Fixed GSE AFS

4,668 3.28 4,668 3.28

4,669 3.28 4,669 3.28

-1 0.00 -1 0.00

TOTAL SBA-OTHER

FHLB Stock

1,110 3.72 1,161 -- 1,950 --

1,110 3.72 1,135 -- 2,118 --

--

--

SERP Deferred Compensation Unrealized G/L (ASC 320)

26 -- -167 --

TOTAL INVESTMENTS

384,663 1.44

341,923 1.24

42,740 0.20

Res Fixed 10Y

7,555 5.65 1,560 5.04 10,419 4.27 2,012 3.88 26,493 3.20 48,038 3.91

8,205 5.62 2,636 4.94 10,469 4.31 1,635 4.12 24,667 3.25 47,612 4.02

-650 0.03 -1,076 0.11 -50 -0.04 377 -0.25 1,826 -0.05 425 -0.11

Res Fixed 10Y I/O

Res Fixed 15Y Res Fixed 20Y Res Fixed 30Y

Residential Fixed

Res Adj 1M (Prime) Res Adj 3M (Prime)

279 4.05

281 4.05

-2 0.00 774 -0.15

12,831 4.29

12,057 4.44

Cloyd Bank & Trust - Page 63