CMS Case Study

Time Deposit Migration - 9/30/2021

MATURITY PROJECTED JUL 21-SEP 21

CDS MATURING OCT 21-DEC 21

SEP 21

JUN 21

RATE CHANGE

BALANCE

RATE

BALANCE

RATE $ CHANGE

BALANCE

RATE RETAINED % RUNOFF %

BALANCE

RATE

REGULAR

<12 MONTHS 12-23 MONTHS 24-59 MONTHS 60+ MONTHS

29,899 39,508 10,476 22,258 102,141

0.17 0.45 0.70 0.98 0.51

32,958 37,278 11,547 22,645 104,427

0.26 0.52 0.79 1.00 0.57

-3,059 2,230 -1,071

-0.09 -0.07 -0.09 -0.02 -0.06

19,467

0.29 0.56 1.70 1.19 0.45

84%

16%

13,522 10,423

0.20 0.68 1.54 1.26 0.47

8,713 1,038

100%

0%

0%

100%

505

-386

994

61% 92%

39%

1,132

TOTAL

-2,286

30,214

8%

25,582

TOTAL

102,141

0.51

104,427

0.57

-2,286

-0.06

30,214

0.45

92%

8%

25,582

0.47

Cloyd Bank & Trust - Page 16