CMS Case Study

On Balance Sheet Liquidity Calculation

02/28/22 12,734 25,542 199,200 10,926 248,401

01/31/22 12,929 21,919 223,170

12/31/21

11/30/21 14,056 22,505 197,370 24,654 258,584

10/31/21

09/30/21

08/31/21 10,562 65,264 167,429 13,060 256,315

07/31/21 10,212 93,727 139,695 17,300 260,934

06/30/21

05/31/21

04/30/21 11,293 117,992 112,439

03/31/21

02/28/21 12,134 146,722 45,826

Cash & non-interest bearing bank balances

7,413

9,208

8,373

9,169

7,545

9,542

Interest bearing bank balances

34,489 212,376 25,353 279,630

45,549 193,564 21,905 270,227

45,826 187,408 67,334 308,941

94,123 137,305

118,488 111,901

151,173 60,309

Unpledged Securities

(Under)Over Collateralized Securities Pledging Postion

(9,517)

8,874

8,136

7,990

4,702

(1,808)

248,501

249,471

246,070

249,714

225,726

202,874

Total Deposits including Brokered

835,203

815,150

810,697

776,993

776,983

766,035

710,828

712,066

705,938

703,145

706,393

678,340

656,344

Liquid Assets/Deposits (Target 15%)

29.74%

30.49%

34.49%

33.28%

34.78%

40.33%

36.06%

36.64%

35.34%

35.00%

35.35%

33.28%

30.91%

Total Assets

987,023

970,869

964,860

940,440

907,568

896,832

843,720

839,830

830,395

829,440

817,367

790,352

774,832

Liquid Assets/Assets (Target 10%)

25.17%

25.60%

28.98%

27.50%

29.77%

34.45%

30.38%

31.07%

30.04%

29.67%

30.55%

28.56%

26.18%