CMS Case Study

Balance Sheet Comparison - 9/30/2021

SEP 21

JUN 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

LIABILITIES DDA Total DDA

201,576 -- 201,576 --

201,448 -- 201,448 --

128 -- 128 --

NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge NOW - Cloyd Prime (<10K) NOW - Cloyd Prime (10K-50K) NOW - Cloyd Prime (50K-150K) NOW - Cloyd Prime (>150K) NOW - Kasasa Total NOW

17,491 0.05 3,048 0.45 105,347 0.17 11,135 0.16 31,104 0.23 119,952 0.29 39,009 1.21 327,440 0.34 355 0.13 32,279 0.05 2,395 0.05 34,674 0.05 80 0.10 128 0.10 96 0.13 1,514 0.19 12,023 0.20 94 0.16 572 0.15 1,433 0.22 3,094 0.21 42,153 0.32 61,187 0.28 6,411 0.64 6,411 0.64

17,288 0.05 1,010 0.40 59,317 0.27 11,184 0.16 29,696 0.23 110,373 0.29 42,303 1.11 271,552 0.39 381 0.13

203 0.00 2,037 0.06 46,030 -0.10 -26 0.00 -50 0.00 1,407 0.00 9,579 0.00 -3,294 0.10 55,887 -0.05 2,123 0.00 369 0.00 2,492 0.00 23 -- 58 -- 50 -- 409 0.00 6 -- -5 0.03 11 -0.01 139 -0.01 -14 0.00 7,493 -0.04 8,170 -0.02 -1,035 0.01 -1,035 0.01

Public NOW Total Public NOW

7,446 0.64 7,446 0.64

Savings - Secure Savings - Business Secure Total Savings

30,156 0.05 2,026 0.05 32,182 0.05

MMDA - Cloyd (<10K) MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+) Total MMDA

57 0.10 70 0.10 47 0.13

1,105 0.19 12,017 0.20 99 0.13 561 0.16 1,294 0.22 3,109 0.21 34,659 0.36 53,018 0.30

Public MMDA Total Public MMDA

32,389 0.27 32,389 0.27

35,865 0.27 35,865 0.27

-3,476 -- -3,476 --

TOTAL NON MATURITY DEPOSITS

663,677 0.22

601,511 0.23

62,166 -0.01

CD 1-5 Months CD 6-11 Months CD 11 Months Special CD 12-17 Months CD 13 Months Special CD 18-23 Months CD 18 Month Special CD 24-35 Months CD 27 Month Special CD 36-47 Months

944 0.12

1,133 0.19 18,403 0.26

-190 -0.07 -1,562 -0.08

16,841 0.18

318 0.23

318 0.27

0 -0.04

13,513 0.34

12,434 0.43

1,078 -0.08

278 0.66

278 0.66

0 0.00

10,088 0.51 819 0.85 1,153 0.61 498 1.06 1,028 0.79

10,134 0.55 862 0.83 1,622 0.58 516 1.05 980 1.04

-46 -0.04 -43 0.02 -469 0.03 -18 0.01

48 -0.24

Cloyd Bank & Trust - Page 70