CMS Case Study

Loan Cash Flows - 9/30/2021

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5

CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

5,909 3,835 2,912 2,952

2,938 2,348 2,380 2,461

7,858 6,764 5,977 36,153

175MM

140MM

COMMERCIAL REAL ESTATE

29,977 10,007 12,908 13,402

9,376 7,016 8,537 7,893 30,207 26,534 24,449 28,915

105MM

COMMERCIAL & INDUSTRIAL

70MM

8,823 6,069 7,476 10,454

3,453 3,188 2,624 2,837

8,627 7,225 7,880 11,322

35MM

OTHER TOTAL

16,277 4,506 3,876

964

907

919

622

635

1,671

777

151

7

0

60,987 24,417 27,173 27,772 16,674 13,472 14,163 13,826 48,363 41,299 38,457 76,397 60,987 85,404 112,577 140,349 157,023 170,495 184,658 198,484 246,847 288,146 326,603 403,000 -387 -1,971 -4,519 -7,576 -10,721 -13,513 -15,970 -18,046 -23,117 -23,344 -19,068 0

UP 200BP RATE SCENARIO

Y1

Y2

Y3

Y4

Y5

CUMULATIVE

>Y5

CML Δ FROM BASE

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5 CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

175MM

5,949 4,164 3,587 3,823

3,806 3,069 3,093 3,091

9,595 7,614 6,151 28,546

140MM

COMMERCIAL REAL ESTATE

30,204 10,853 14,220 15,015 11,012 8,550 9,797 8,972 32,794 26,334 21,326 20,144

105MM

70MM

COMMERCIAL & INDUSTRIAL

8,912 6,388 7,940 10,899

3,984 3,654 3,067 3,196

9,612 7,074 6,614 8,637

35MM

OTHER TOTAL

16,308 4,596 3,973 1,092

1,018

991

663

642

1,433

503

90

1

0

BASE RATE SCENARIO

61,374 26,001 29,720 30,829 19,819 16,264 16,620 15,902 53,434 41,526 34,181 57,328 61,374 87,375 117,095 147,925 167,744 184,008 200,628 216,530 269,964 311,490 345,671 403,000

Y1

Y2

Y3

Y4

Y5

>Y5

CUMULATIVE

ASSETS

Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2

Y3

Y4

Y5

>Y5

CASH FLOW

RESIDENTIAL REAL ESTATE & HOME EQUITY

5,966 4,392 4,133 4,671

5,154 4,205 4,082 3,843 11,420 8,453 6,487 19,681

175MM

140MM

COMMERCIAL REAL ESTATE

30,318 11,279 14,879 15,821 11,813 9,282 10,379 9,450 33,789 25,968 19,618 16,626

105MM

COMMERCIAL & INDUSTRIAL

70MM

8,957 6,549 8,173 11,121

4,244 3,876 3,272 3,355

9,989 6,871 6,024 7,549

35MM

OTHER TOTAL

16,324 4,642 4,023 1,156

1,069 1,020

675

635

1,293

401

72

1

0

61,564 26,861 31,208 32,768 22,280 18,383 18,408 17,282 56,492 41,693 32,202 43,857 61,564 88,426 119,634 152,403 174,682 193,066 211,473 228,756 285,247 326,941 359,142 403,000 191 1,051 2,539 4,478 6,938 9,058 10,846 12,226 15,284 15,450 13,471 0

Y1

Y2

Y3

Y4

Y5

CUMULATIVE

DOWN 100BP RATE SCENARIO

>Y5

CML Δ FROM BASE

Cloyd Bank & Trust - Page 14