CMS Case Study

Balance Sheet Comparison - 6/30/2021

JUN 21

MAR 21

VARIANCE

Balance Rate 13,109 4.29

Balance Rate 12,338 4.44

Balance Rate

Residential Adj

772 -0.15

TOTAL RESIDENTIAL

61,147 3.99

59,950 4.10

1,197 -0.11

Res Const Fixed -

478 4.25 7,250 4.34 7,728 4.34

--

--

478 4.25 -501 -0.01 -23 -0.02

Res Const Fixed - I/O Total Res Const Fixed

7,751 4.36 7,751 4.36

TOTAL RESIDENTIAL CONSTRUCTION

7,728 4.34

7,751 4.36

-23 -0.02

C&I Fixed -

42,064 4.44 101 6.29 7,294 4.31 1,337 4.80 1,224 -- 52,021 4.33

43,734 4.50 118 6.62 8,399 4.31 1,233 5.09 1,212 -- 54,696 4.38

-1,670 -0.05

C&I Fixed - LOC C&I Fixed - I/O

-16 -0.33

-1,105 0.00

C&I Fixed - I/O LOC C&I Non-Accrual

104 -0.30 12 --

Total C&I Fixed

-2,674 -0.05

C&I Adj 1M (Prime)

4,146 4.20

4,333 4.19

-186 0.01

C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC C&I Adj 3M (Prime) I/O LOC C&I Adj 3M (Prime) Non-Accrual

56 5.75

46 5.73

10 0.03

5,966 3.95 8,105 4.12 470 3.75

4,175 4.25 9,144 4.27

1,791 -0.30 -1,038 -0.15

31 3.75 85 --

439 --

85 --

0 --

Total C&I Adj

18,829 4.06

17,815 4.23

1,014 -0.17

TOTAL COMMERCIAL & INDUSTRIAL

70,850 4.26

72,510 4.35

-1,660 -0.08

CRE Fixed -

147,940 4.60 18,362 4.79 166,302 4.62 12,842 4.13 24,132 3.92 431 3.75 1,100 2.51 731 4.95

149,073 4.66 20,357 4.57 169,430 4.65 13,346 4.08 24,538 4.19 436 3.75 1,043 2.53

-1,132 -0.06 -1,995 0.22 -3,127 -0.03 -504 0.05 -406 -0.27 -5 -- 57 -0.02 731 4.95 -734 -4.95 -860 -0.15

CRE Fixed - I/O Total CRE Fixed

CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O CRE Adj 3M (Prime) CRE Adj 3M (Prime) I/O

--

--

--

--

734 4.95

Total CRE Adj

39,236 3.97

40,095 4.12

TOTAL COMMERCIAL RE

205,538 4.50

209,525 4.55

-3,987 -0.05

HE Adj 1M (Prime) I/O LOC

17,478 4.26 17,478 4.26

18,061 4.32 18,061 4.32

-583 -0.06 -583 -0.06

Total HE Adj

TOTAL HOME EQUITY

17,478 4.26

18,061 4.32

-583 -0.06

Install Fixed -

7,066 6.31 620 4.56

7,198 6.37 780 4.45

-132 -0.06 -160 0.11

Install Fixed - I/O

Cloyd Bank & Trust - Page 64