CMS Case Study

Balance Sheet Mix - 9/30/2021

Asset Mix Comparison

9/30/2021 9/30/2020 % CHANGE $ CHANGE GROWTH RATE 50% 34% 16% 211,127 90% Agencies 2% 0% 2% 18,535 - MBS/CMO 36% 15% 20% 214,885 203% Municipals 5% 5% 0% 7,926 24% Other 7% 14% -7% (30,219) -32% 44% 59% -15% (6,624) -2% Commercial RE 23% 30% -6% 6,592 3% C & I 9% 10% -1% 9,027 13% Residential 7% 8% -1% 11,386 21% Other 5% 11% -6% (33,630) -45% 6% 7% -1% 6,238 13% TOTAL ASSETS 210,741 31% INVESTMENTS LOANS OTHER ASSETS 9/30/2021 9/30/2020 % CHANGE $ CHANGE GROWTH RATE 74% 66% 8% 207,740 46% DDA 22% 23% -1% 43,895 28% NOW 37% 31% 6% 121,600 57% Savings 4% 3% 1% 12,547 57% MMDA 10% 9% 1% 29,699 46% 11% 17% -5% (12,328) -11% 5% 7% -2% 608 1% FHLB 2% 3% -1% 0 0% Repo-Retail 3% 4% -1% 608 2% 9% 10% -1% 14,584 22% 0% 1% 0% 136 4% TIME DEPOSITS BORROWINGS

6%

7%

34%

50%

44%

59%

9/30/2021

9/30/2020

Liability Mix Comparison

NON-MATURITY

9% 0%

10% 1%

5%

7%

11%

17%

66%

74%

EQUITY OTHER LIABILITIES

TOTAL LIABILITIES & EQUITY

210,740

31%

9/30/2021

9/30/2020

Cloyd Bank & Trust - Page 6