CMS Case Study

Balance Sheet Comparison - 9/30/2021

SEP 21

JUN 21

VARIANCE

Balance Rate

Balance Rate

Balance Rate

CD 36-47 Months Special

107 2.25 727 0.78 7,579 0.98

107 2.25 748 0.80 7,908 1.00

0 --

CD 48-59 Months CD 60+ Months

-21 -0.01 -328 -0.01

CD 60+ Months SPEC

1 2.25 20 0.15

1 2.25 45 0.23

0 --

IRA 1-5 Months IRA 6-11 Months

-25 -0.08 -180 -0.06 47 -0.10 283 -0.06 -3 -0.26 15 0.00 -4 -- -7 0.00 19 -0.07 12 -0.12 0 -- 21 0.01 456 -0.03 -915 -0.05

3,119 0.19

3,299 0.25

IRA 11 Month Special IRA 12-17 Months IRA 13 Months Special IRA 18-23 Months IRA 18 Month Special IRA 24-35 Months IRA 27 Month Special IRA 36-47 Months IRA 36-47 Months Special

66 0.19

19 0.29

2,358 0.33

2,076 0.39

52 0.31

55 0.57

2,418 0.56 232 0.85 218 0.86 40 0.93 560 1.13 14 2.25 122 0.75 5,538 0.96 68,653 0.49 770 0.12 7,820 0.16 6,404 0.34 311 0.85 2,733 0.85 5,092 0.59 255 1.00 661 0.40 8,848 0.99 301 0.40 292 0.85 33,488 0.56

2,403 0.56 236 0.85 225 0.87 21 1.00 549 1.25 14 2.25 102 0.74 5,082 1.00 69,568 0.54 595 0.23 9,146 0.26 5,460 0.48 311 0.85 2,730 0.85 5,085 0.59 255 1.00 1,324 1.19 9,363 1.01 301 0.40 291 0.85 34,859 0.64

IRA 48-59 Months IRA 60+ Months

Total CD

Jumbo CD 1-5 Months Jumbo CD 6-11 Months Jumbo CD 12-17 Months Jumbo CD 18-23 Months

175 -0.12

-1,325 -0.11

944 -0.15

1 -- 4 -- 7 0.00

Jumbo CD 18-23 Month Special

Jumbo CD 24-35 Months

Jumbo CD 24-35 Month Special

--

--

Jumbo CD 36-47 Months Jumbo CD 60+ Months Jumbo IRA 12-17 Months Jumbo IRA 60+ Months

-663 -0.79 -514 -0.01

0 -- 1 --

Total Jumbo CD

-1,371 -0.08

TOTAL TIME DEPOSITS

102,141 0.51

104,427 0.57

-2,286 -0.06

TOTAL DEPOSITS

765,818 0.25

705,938 0.28

59,880 -0.02

Secured Retail - FF

26,929 0.58 26,929 0.58

24,493 0.56 24,493 0.56

2,436 0.03 2,436 0.03

TOTAL SECURED RETAIL

FHLB Callable

20,000 0.76 20,000 0.76

20,000 0.76 20,000 0.76

-- --

-- --

Total FHLB Adv - Structured

TOTAL FHLB ADVANCES

20,000 0.76

20,000 0.76

--

--

TOTAL BORROWINGS

46,929 0.66

44,493 0.65

2,436 0.01

OTHER LIABILITIES

3,692 -- 3,692 --

2,838 -- 2,838 --

854 -- 854 --

Total Other Liabilities

Cloyd Bank & Trust - Page 71