CMS Case Study

Inventory of Liquidity Resources - 12/31/2021

CUMULATIVE AMOUNT

% OF ASSETS

BASIC SURPLUS

% OF ASSETS

BASIC SURPLUS

AMOUNT % OF ASSETS

45%

1. TIER 1 LIQUIDITY (LIQUID ASSETS)

239,725 24.8%

239,725 24.8% 171,474

17.8% (Policy Minimum: 0.0%)

Cash/Equivalents 32,900 Free Bond Collateral 205,336

30%

0

Other Inv. Cash Flow <30 Days

1,489

Other Liquid Assets + Gov't Guaranteed Loans

2. TIER 2 LIQUIDITY (FHLB LOAN BASED CAPACITY)

0 0.0%

239,725 24.8% 171,474

17.8% (Policy Minimum: 4.0%)

15%

42,387 42,387

Maximum FHLB Borrowings Capacity

Outstanding Advances / LOCs

0%

Dec-20 Mar-21 Jun-21 Sep-21 Dec-21

3. TIER 3 LIQUIDITY (BROKERED DEPOSITS CAPACITY) 144,729 15.0%

384,454 39.8% 316,203

32.8% (Policy Minimum: 8.0%)

Maximum Brokered Deposits Capacity 144,729 Current Brokered Deposits 0

BASIC SURPLUS CALCULATION Cumulative Amount - Volatile Liabilities Coverage = Basic Surplus VOLATILE LIABILITIES COVERAGE Coverage = $68,251 7% of Assets

4. OTHER LIQUIDITY

58,648 6.1%

443,102 45.9%

24,612

Other Investments less Cash flow (< 30 Days)

2,611

Secured Borrowing Lines Unsecured Borrowing Lines

31,425

AVAILABLE WHOLESALE FUNDING CAPACITY

ON BALANCE SHEET LIQUIDITY = $264,338 / 27.4% of Assets Liquid Assets (excl. Cash flow <30 Days)+ Available Other Inv.

AVAILABLE FUNDING

AVAILABLE FUNDING PER POLICY

AVAIL. FUNDING PER TOTAL WHOLESALE POLICY

POLICY

FHLB

0

0

0

NOTES: 1. Other Investments includes available Municipals and Corporates less cash flow < 30 Days. 2. Outstanding advances include $15MM in FHLB Letter of Credit.

BROKERED 15.0% 144,729

144,729 34,036 178,765

144,729

OTHER WHOLESALE

34,036

5,856

TOTAL 20.0% 178,765

150,585

Cloyd Bank & Trust - Page 8