CMS Case Study

Summary of Potential Strategies - 9/30/2020

STRATEGY

EXPECTED RESULTS

RISKS

2. Lending

 Discuss @ ALCO.

 Credit

 Credit update. -

 Liquidity

Forbearance/deferment update.

- Industry credit concerns given minimal level issues thus far . Discuss Credit Stress Test results… how do we feel?

 Discuss @ ALCO.

 PPP Update.

 Lending: -

Update on pipeline through Q4 (net neutral?) - Volume expectations for 2021? 2022? Up or Down? - Where are the opportunities? - Review capacity for loans from a liquidity and IRR perspective relative to longer term balance sheet planning.

 Updates by portfolio: - CRE - C&I - Residential - Consumer, other

Cloyd Bank & Trust - Page 38