CMS Case Study

Balance Sheet Comparison - 6/30/2021

JUN 21

MAR 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

Install Fixed - I/O LOC Total Install Fixed

4 5.75

4 5.75

1 --

7,691 6.17

7,982 6.18

-292 -0.01

Install Adj 1M (Prime) Install Adj 1M (Prime) I/O Install Adj 1M (Prime) I/O LOC

764 3.50 247 3.25 1,156 4.63 2,167 4.08

777 3.50 247 3.25 1,138 4.73 2,162 4.12

-13 -- 0 0.00 18 -0.10 5 -0.04

Total Install Adj

TOTAL INSTALLMENTS

9,858 5.71

10,144 5.74

-286 -0.03

Gov&Agy Fixed -

1,537 0.80 22,028 1.00 23,564 0.99

1,560 0.84 22,386 1.00 23,946 0.99

-23 -0.03 -358 -- -381 0.00

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

TOTAL GOV&AGY GUARANTEED

23,564 0.99

23,946 0.99

-381 0.00

Loans Held For Sale (Manual) LOAND HELD FOR SALE

1,622 -- 1,622 --

1,113 -- 1,113 --

509 -- 509 --

Other Loan Items

-482 -- -1,306 -- 265 -- -6,133 -- 390,119 4.25 10,181 -- 16,710 -- 17,429 -- 11,295 -- 55,614 -- -9 --

-383 -- -819 -- 865 -- -21 -- -6,082 -- 396,557 4.31 9,572 -- 15,330 -- 16,664 -- 10,306 -- 51,872 --

-98 -- -487 -- -600 -- 13 -- -51 -- -6,438 -0.06 609 -- 1,379 -- 765 -- 989 -- 3,742 --

Unearned SBA PPP Orig. Fees

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

Cash & Due

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

TOTAL ASSETS

830,396 2.66

790,352 2.70

40,044 -0.04

Cloyd Bank & Trust - Page 65