CMS Case Study
Loan Cash Flows - 3/31/2021
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5
CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
5,967 4,610 3,002 2,617 2,240 2,328 2,546 2,163 7,787 6,550 5,342 32,859
175MM
140MM
COMMERCIAL REAL ESTATE
28,410 14,518 15,105 8,783 8,921 9,936 11,863 7,625 31,033 26,605 23,568 23,157
105MM
COMMERCIAL & INDUSTRIAL
70MM
10,190 8,654 6,124 5,219 2,910 4,724 2,786 3,304 7,086 5,651 8,367 7,496
35MM
OTHER TOTAL
16,301 13,704 2,769 2,700 2,041
645
642
530 1,545
431
516
17
0
60,867 41,487 27,000 19,320 16,111 17,633 17,836 13,623 47,450 39,238 37,794 63,528 60,867 102,354 129,355 148,675 164,786 182,419 200,255 213,877 261,328 300,566 338,359 401,887 -357 -1,832 -4,172 -7,112 -10,194 -12,760 -14,798 -16,562 -20,792 -20,870 -15,773 0
UP 200BP RATE SCENARIO
Y1
Y2
Y3
Y4
Y5
CUMULATIVE
>Y5
CML Δ FROM BASE
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5 CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
175MM
5,988 4,920 3,592 3,307 3,087 3,121 3,174 2,642 9,317 7,294 5,539 26,030
140MM
COMMERCIAL REAL ESTATE
28,639 15,344 16,361 10,468 10,576 11,317 12,892 8,677 33,130 26,014 20,091 16,016
105MM
70MM
COMMERCIAL & INDUSTRIAL
10,267 8,912 6,507 5,678 3,396 5,045 3,121 3,524 7,897 5,721 6,737 5,704
35MM
OTHER TOTAL
16,330 13,785 2,880 2,807 2,135
716
686
544 1,337
286
330
5
0
BASE RATE SCENARIO
61,224 42,962 29,341 22,259 19,194 20,198 19,874 15,387 51,680 39,316 32,696 47,755 61,224 104,186 133,527 155,786 174,980 195,179 215,052 230,439 282,120 321,435 354,132 401,887
Y1
Y2
Y3
Y4
Y5
>Y5
CUMULATIVE
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5
CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
5,997 5,125 4,075 4,022 4,171 4,089 3,956 3,228 10,902 7,998 5,822 18,626
175MM
140MM
COMMERCIAL REAL ESTATE
28,754 15,760 16,993 11,309 11,387 11,973 13,360 9,143 33,906 25,443 18,330 13,168
105MM
COMMERCIAL & INDUSTRIAL
70MM
10,306 9,042 6,699 5,907 3,634 5,198 3,275 3,617 8,203 5,593 6,071 4,966
35MM
OTHER TOTAL
16,345 13,827 2,937 2,859 2,178
746
701
537 1,214
229
268
1
0
61,401 43,753 30,703 24,098 21,369 22,005 21,291 16,525 54,225 39,263 30,490 36,761 61,401 105,155 135,858 159,956 181,325 203,331 224,622 241,147 295,372 334,635 365,126 401,887
Y1
Y2
Y3
Y4
Y5
CUMULATIVE
DOWN 100BP RATE SCENARIO
>Y5
CML Δ FROM BASE
177
969 2,331 4,170 6,345 8,152 9,570 10,707 13,253 13,200 10,994
0
Cloyd Bank & Trust - Page 14
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