CMS Case Study

Liquidity Projection - 12/31/2021

90 Day Liquidity Forecast

Net New Loan Fundings

Net Core Deposit Flows*

NET CORE + DEPOSIT FLOWS*

NON-PLEDGABLE + INV CASH FLOWS

PROJECTED = BASIC SURPLUS

100MM

NET NEW LOAN − FUNDINGS

TIER 2 BASIC SURPLUS

50MM

CURRENT FORECAST 09/30/2021 FORECAST

171,474

0

0

2,405

173,879

215,640

0

0

705

216,345

0

ACTUAL

215,640

29,667 29,667

44,499 44,499

705

231,177 14,832

-50MM

FORECAST VARIANCE

12/20-03… 03/21-06… 06/21-09… 09/21-12…

12/20-03/21 03/21-06/21 06/21-09/21 09/21-12/21

*Excludes National, Brokered, Brokered One-Way, and Retail Repos

Actual

Forecast

Actual

Forecast

24 Month Cash Flow Projections

150MM

400MM

100MM

200MM

50MM

0

0

Q1Y1

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Q1Y1

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Asset

Liability

Net

Cumulative Net

ASSETS

Q1Y1 32,900 13,358 5,344 28,615 21,128 101,346

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Overnight Investments All Other Investments

0

0

0

0

0

0

0

11,665 3,365 19,873 13,201 48,104

14,191 3,666 16,024 11,146 45,026

11,493 3,985 15,287 8,300 39,064

12,345 2,945 8,994 6,100 30,384

10,858 3,005 11,489 4,860 30,212

13,563 3,035 10,708 4,784 32,089

11,166 2,436 10,725 4,485 28,812

Residential Real Estate & Home Equity Loans Commercial & Ag Real Estate Loans

All Other Loans

Total Asset Cash Flow LIABILITIES Retail Time Deposits Brokered Deposits Wholesale Borrowings Total Liability Cash Flow

22,388

21,631

17,255

8,220

1,347

5,063

2,554

1,111

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

22,388 78,958 78,958

21,631 26,473 105,431

17,255 27,772 133,203

8,220 30,845 164,048

1,347 29,037 193,085

5,063 25,149 218,234

2,554 29,535 247,769

1,111 27,701 275,470

Net Cash Flow

Cumulative Net Cash Flow

1. Projections to be discussed @ ALCO.

Cloyd Bank & Trust - Page 12