CMS Case Study

Liquidity Projection - 12/31/2020

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 09/30/2020 FORECAST

103,735

0

0

440

104,175

67,947

0

0

600

68,547

0

ACTUAL

67,947

3,696 3,696

36,674 36,674

600

101,526 32,978

-50MM

FORECAST VARIANCE

12/19-03… 03/20-06… 06/20-09… 09/20-12…

12/19-03/20 03/20-06/20 06/20-09/20 09/20-12/20

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

Actual

Forecast

Actual

Forecast

24 Month Cash Flow Projections

200MM

400MM

100MM

200MM

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

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Overnight Investments All Other Investments

106,181 9,652 6,760 27,681 38,398 188,672

0

0

0

0

0

0

0

10,098 4,180 16,984 23,241 54,503

11,245 4,750 12,662 11,986 40,643

7,473 3,325 14,569 7,789 33,156

7,334 2,824 9,458 5,223

5,007 2,912 10,621 4,841 23,381

6,667 2,949 10,857 4,703 25,176

4,655 3,115 12,467 3,469 23,706

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

24,838

31,565

25,154

11,351

12,440

4,384

4,618

4,825

890

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

31,565 157,107 157,107

25,154 29,349 186,456

11,351 29,291 215,747

12,440 20,716 236,463

4,384 20,454 256,918

4,618 18,763 275,681

4,825 20,351 296,032

890

Net Cash Flow

22,816 318,848

Cumulative Net Cash Flow

1. Projections to be discussed @ ALCO.

Cloyd Bank & Trust - Page 12