CMS Case Study

Balance Sheet Comparison - 9/30/2021

SEP 21

JUN 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

Install Fixed - I/O LOC Total Install Fixed

5 5.77

4 5.75

1 0.02

7,856 6.02

7,691 6.17

166 -0.15

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

753 3.50 247 3.25 1,361 4.54 2,361 4.07

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

-11 --

--

--

205 -0.10 193 0.00

Total Install Adj

TOTAL INSTALLMENTS

10,217 5.57

9,858 5.71

359 -0.14

Gov&Agy Fixed -

1,504 0.75 9,464 1.00 10,968 0.97

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

-33 -0.05

Gov&Agy Fixed - PPP Total Gov&Agy Fixed

-12,564 -- -12,596 -0.02

TOTAL GOV&AGY GUARANTEED

10,968 0.97

23,564 0.99

-12,596 -0.02

Loans Held For Sale (Manual) LOAND HELD FOR SALE

1,090 -- 1,090 --

1,622 -- 1,622 --

-531 -- -531 --

Other Loan Items

--

--

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

482 -- 910 -- -265 -- -420 -- -1,512 -- 5,500 0.05 -1,708 -- 1,493 -- -17 -- 592 -- 360 --

Unearned SBA PPP Orig. Fees

-396 --

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve TOTAL NET LOANS

--

--

-429 -- -7,645 -- 395,619 4.30 8,473 -- 18,203 -- 17,411 -- 11,887 -- 55,974 --

Cash & Due

BOLI

Fixed Assets Other Assets

TOTAL OTHER ASSETS

TOTAL ASSETS

896,832 2.66

830,396 2.66

66,436 0.00

Cloyd Bank & Trust - Page 69