Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

Community Bank Cash Flow & Liquidity Worksheet

indicates Manual Input (000's)

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 10/31/08 $10,148

Today's Date (00/00/00) Beginning Fed Funds Sold Balance

Deposit Activity Expected

MaturedIVVithdraw Deposits are (-) for outflow of money & Renewed/New Deposits are (+) for inflow of money) $300 $300 $300 $300 $400 $400 $300 $300 $300 $300

Net Demand Deposit Accounts Net NOW Accounts Net Money Market Accounts

$300

$300

100 200

100 100

100 150

200 300

100 300

200 300

200 300

200 300

200 300

200 300

200 300

200 300

Net Savings Accounts Net CDs <100K (Small) Net CDs >100K (Jumbo) Net Public Deposits Net Deposit Activity Expected

50

50

50

50

50

50

50

50

50

50

50

50

1,000 2,500

2,000 2,000

1,500 1,500

1,500 1,500

1,500 1,500

1,500 1,500

1,500 2,000

1,250 2,000

1,500 1,500

2,000 1,500

1,500 1,500

1,500 1,500

O

0

0

0

0

0

0

0

0

0 0 $4,150 $4,550 $3,600 $3,750 $4,450 $4,200 $4,350 $3,850 $3,850 $3,850 $3,850 $3,850 0

Lending Activity Expected All Loans New Loans Matured/Paid Loans

(New Loans are (-) for outflow of money & Matured/Sold/Paid Loans are (+) for inflow of money) (S2.000) ($3,500) ($2,000) (52,500) ($3.000) ($3,000) ($3,000) ($3,000) ($3.000) 50 50 100 150 50 250 400 200 100 O 0 0 275 0 0 500 0 2.000 ($1,950) ($3,450) ($1,900) ($2,075) ($2,950) ($2,750) ($2,100) ($2,800) ($900)

($4,000) ($3,000) 150 150 500 1,500 ($3,350) ($1,350)

($3.500) 50 300 (S3,150)

Proceeds from Sale of Loans

Net Lending Activity

Securities Activities Expected All Securities Securities Purchases Securities Maturities Securities Calls Securities Prepayments Proceeds from Securities Sales Interest Bearing Balances Purchases Interest Bearing Balances Maturities Net Securities Activities

(Purchased are (-) for outflow of money & Matured/Called/Prepay/Paid are (+) for inflow of money) $0 $0 $0 ($1,000) SO ($1,500) SO $0 $0 O 0 0 0 0 0 0 0 0 O 0 0 0 0 0 0 0 0 50 50 100 50 100 50 100 50 100 O 0 0 0 0 0 0 0 0 O (500) (500) 0 0 0 0 0 0 O 0 0 0 0 0 0 0 0 $50 ($450) ($400) ($950) $100 ($1,450) $100 $50 $100

(S2,000) 0 0 50 0 0 0 ($1,950)

$0

$0

0 0

0 0

50

50

0 0 0

0 0 0

$50

$50

Funding and Cash Activities Expected Maturing Brokered Deposits Maturing Internet Deposits Maturing FHLB Borrowings

(Maturing (-) for outflow of money & Payments (+) for Inflow of money) $0 $0 $0 $0 ($2,831) $0 ($2,075) ($198) (S776) ($1,520) ($5,207) ($4492) O 0 0 0 2,000 0 O 0 0 0 0 0 O 0 0 0 0 0 (500) (500) (250) 0 0 0 O 0 0 0 0 0 (50) (50) (50) (50) (50) (50) ($2,625) ($748) ($1,076) ($1,570) ($6,088) ($542)

SO

$0

$0 ($250) 0 0 0 0 0 (50) ($300)

$0

$0 $0

$0 $0

($86)

(S198)

($393)

0 0 0

O O O O

0 0 0 0

0 0 0 0 0

0 0 0 0

Maturing REPO Maturing FFLOC Major Fixed Asset Purchases Dividend Payments Other Cash Activities Total Funding & Cash Activities

0 0

O

0

0

(50)

(50)

(50)

(50)

(50)

($136)

($50)

($248)

($443)

($50)

On Balance Sheet Liquidity Balance Sheet Liquidity Cash (Net)

$1,500 $0 $3,192 $72,469

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500

$1,500 $1,500 $1,500 $1,500 $1,500

Interest Bearing Bank Balances Securities Total Assets

$3,092 $2,992 $2,942 $2,842 $2,792 $2,692

$2,642 $2,542 $2,492 $2,492 $2,392

Off Balance Sheet Liquidity Additional Available Sources Unpledged Securities

$3,192 $3,092 $2,992 $2,942 $2,842 $2,792 $2,692

$2,642 $2,542 $2,492 $2,492 $2,392

Dollars of Available (3) (Total Amount x

Percentage for Available (%)

Remaining Available Capacity

Total Amount Available

Current Capacity Used (5)

Percentage)

Brokered Deposits Capacity FHLB Borrowing*Capacity

$8,870 $2,400

75% 75%

$6,653 $1,800

$2,831 $0

$3,822 $1,800

Contingency Sources

Fed Funds Line of Credit

$9,000

$0

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