CMS Case Study
Summary of Rates - 12/31/2021
INDICES
CURR. RATES UP 400BP 24M UP 200BP 24M FLAT UP 200BP
UP 200BP DOWN 100BP SHOCK UP 400BP SHOCK UP 300BP SHOCK UP 200BP
NOW - Cloyd Prime (>150K) NOW - Kasasa Public NOW Public MMDA Savings - Secure Savings - Business Secure MMDA - Cloyd (<10K) MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+) CD 1-5 Months CD 6-11 Months CD 12-17 Months CD 18-23 Months CD 24-35 Months CD 36-47 Months CD 48-59 Months CD 60+ Months
0.29 36 (1 - 24) 0.65 18 (1 - 24) 0.47 18 (1 - 12) 0.47 18 (1 - 12) 0.47 -2 (1 - 12) 0.27
36 (1 - 1) 0.65
27 (1 - 1) 0.56
18 (1 - 1) 0.47
1.24 200 (1 - 24) 3.24 100 (1 - 24) 2.24 100 (1 - 12) 2.24 100 (1 - 12) 2.24 -13 (1 - 4) 1.11 200 (1 - 1) 3.24 150 (1 - 1) 2.74 100 (1 - 1) 2.24
0.65 120 (1 - 24) 1.85 60 (1 - 24) 1.25 60 (1 - 12) 1.25 60 (1 - 12) 1.25 -30 (1 - 12) 0.35 120 (1 - 1) 1.85
90 (1 - 1) 1.55
60 (1 - 1) 1.25
0.27 400 (1 - 24) 4.27 200 (1 - 24) 2.27 200 (1 - 12) 2.27 200 (1 - 12) 2.27 -24 (1 - 12) 0.03 400 (1 - 1) 4.27 300 (1 - 1) 3.27 200 (1 - 1) 2.27
0.05 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0 (0 - 0) 0.05 0 (0 - 0) 0.05
0.10 200 (1 - 24) 2.10 100 (1 - 24) 1.10 100 (1 - 12) 1.10 100 (1 - 12) 1.10
0 (0 - 0) 0.10 200 (1 - 1) 2.10 150 (1 - 1) 1.60 100 (1 - 1) 1.10
0.10 200 (1 - 24) 2.10 100 (1 - 24) 1.10 100 (1 - 12) 1.10 100 (1 - 12) 1.10
0 (0 - 0) 0.10 200 (1 - 1) 2.10 150 (1 - 1) 1.60 100 (1 - 1) 1.10
0.13 200 (1 - 24) 2.13 100 (1 - 24) 1.13 100 (1 - 12) 1.13 100 (1 - 12) 1.13
0 (0 - 0) 0.13 200 (1 - 1) 2.13 150 (1 - 1) 1.63 100 (1 - 1) 1.13
0.19 200 (1 - 24) 2.19 100 (1 - 24) 1.19 100 (1 - 12) 1.19 100 (1 - 12) 1.19
-4 (1 - 2) 0.15 200 (1 - 1) 2.19 150 (1 - 1) 1.69 100 (1 - 1) 1.19
0.20 200 (1 - 24) 2.20 100 (1 - 24) 1.20 100 (1 - 12) 1.20 100 (1 - 12) 1.20
0 (0 - 0) 0.20 200 (1 - 1) 2.20 150 (1 - 1) 1.70 100 (1 - 1) 1.20
0.12 200 (1 - 24) 2.12 100 (1 - 24) 1.12 100 (1 - 12) 1.12 100 (1 - 12) 1.12
-2 (1 - 1) 0.10 200 (1 - 1) 2.12 150 (1 - 1) 1.62 100 (1 - 1) 1.12
0.15 200 (1 - 24) 2.15 100 (1 - 24) 1.15 100 (1 - 12) 1.15 100 (1 - 12) 1.15
-5 (1 - 2) 0.10 200 (1 - 1) 2.15 150 (1 - 1) 1.65 100 (1 - 1) 1.15
0.22 200 (1 - 24) 2.22 100 (1 - 24) 1.22 100 (1 - 12) 1.22 100 (1 - 12) 1.22
-6 (1 - 2) 0.15 200 (1 - 1) 2.22 150 (1 - 1) 1.72 100 (1 - 1) 1.22
0.22 200 (1 - 24) 2.22 100 (1 - 24) 1.22 100 (1 - 12) 1.22 100 (1 - 12) 1.22
-2 (1 - 1) 0.19 200 (1 - 1) 2.22 150 (1 - 1) 1.72 100 (1 - 1) 1.22
0.38 200 (1 - 24) 2.38 100 (1 - 24) 1.38 100 (1 - 12) 1.38 100 (1 - 12) 1.38 0.10 300 (1 - 24) 3.10 150 (1 - 24) 1.60 150 (1 - 12) 1.60 150 (1 - 12) 1.60 0.15 300 (1 - 24) 3.15 150 (1 - 24) 1.65 145 (1 - 12) 1.60 150 (1 - 12) 1.65 0.30 300 (1 - 24) 3.30 150 (1 - 24) 1.80 130 (1 - 12) 1.60 150 (1 - 12) 1.80 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 125 (1 - 12) 1.60 150 (1 - 12) 1.85 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 125 (1 - 12) 1.60 150 (1 - 12) 1.85 0.40 300 (1 - 24) 3.40 150 (1 - 24) 1.90 120 (1 - 12) 1.60 150 (1 - 12) 1.90 0.45 300 (1 - 24) 3.45 150 (1 - 24) 1.95 115 (1 - 12) 1.60 150 (1 - 12) 1.95 0.65 300 (1 - 24) 3.65 150 (1 - 24) 2.15 95 (1 - 12) 1.60 150 (1 - 12) 2.15
-8 (1 - 2) 0.30 200 (1 - 1) 2.38 150 (1 - 1) 1.88 100 (1 - 1) 1.38 0 (0 - 0) 0.10 300 (1 - 1) 3.10 225 (1 - 1) 2.35 150 (1 - 1) 1.60 0 (0 - 0) 0.15 300 (1 - 1) 3.15 225 (1 - 1) 2.40 150 (1 - 1) 1.65 0 (0 - 0) 0.30 300 (1 - 1) 3.30 225 (1 - 1) 2.55 150 (1 - 1) 1.80 0 (0 - 0) 0.35 300 (1 - 1) 3.35 225 (1 - 1) 2.60 150 (1 - 1) 1.85 0 (0 - 0) 0.35 300 (1 - 1) 3.35 225 (1 - 1) 2.60 150 (1 - 1) 1.85 0 (0 - 0) 0.40 300 (1 - 1) 3.40 225 (1 - 1) 2.65 150 (1 - 1) 1.90 0 (0 - 0) 0.45 300 (1 - 1) 3.45 225 (1 - 1) 2.70 150 (1 - 1) 1.95 0 (0 - 0) 0.65 300 (1 - 1) 3.65 225 (1 - 1) 2.90 150 (1 - 1) 2.15
Cloyd Bank & Trust - Page 57
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