CMS Case Study

Liquidity Projection - 3/31/2021

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 12/31/2020 FORECAST

153,510

0

0

440

153,950

103,735

0

0

440

104,175

0

ACTUAL

103,735

-9,382 -9,382

71,260 71,260

440

184,816 80,641

-50MM

FORECAST VARIANCE

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

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

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

Actual

Forecast

Actual

Forecast

24 Month Cash Flow Projections

300MM

400MM

200MM

200MM

100MM

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

146,145 8,289 5,988 28,639 26,597 215,658

0

0

0

0

0

0

0

8,618 4,920 15,344 22,698 51,580

5,799 3,592 16,361 9,387 35,140

6,587 3,307 10,468 8,485 28,847

4,901 3,087 10,576 5,531 24,095

7,260 3,121 11,317 5,761 27,458

5,391 3,174 12,892 3,808 25,265

6,808 2,642 8,677 4,067

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

22,195

24,145

30,252

12,453

7,200

5,192

7,996

891

582

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

24,145 191,513 191,513

30,252 21,328 212,841

12,453 22,687 235,528

7,200 21,647 257,175

5,192 18,903 276,078

7,996 19,462 295,540

891

582

Net Cash Flow

24,374 319,915

21,614 341,528

Cumulative Net Cash Flow

1. Projections to be discussed @ ALCO.

Cloyd Bank & Trust - Page 12