*One year balance sheet GAP includes all balances that may change in rate in the next 12 months.
The Earnings Change Ratio (ECR) is an estimate of the change in rate of a rate-sensitive instrument per 100bp move in prime.

Prime Down 100bp Prime Up 100bp Balance Sheet GAP A ECR ECR Income Statement GAP AXB Balance Sheet GAP Income Statement GAP CxD B D $5,661 3,678 100% 100% $5,661 3,678 100% 100% 200 2,940 315 2,700 71% 71% 58% 96% 200 300 41 2,700 71% 60% 51% 96% Amounts In Thousands 1 2 3 4 5 Rate-Sensitive Assets 6 Loans 7 Fixed Rate 8 Floating Rate 9 Securities 10 Principal Cash Flows 11 Agencies 12 Agy Callables 13 CMO Fixed 14 Fed Funds Sold 15 Floating Rate 16 Total Rate-Sensitive Assets 17 Rate-Sensitive Liabilities 18 Savings 19 Money Mkt Accts 20 NOW 21 Fed Funds Purch/Repo 22 CDs - IOOM 23 CDs