CMS Case Study

Liquidity Projection - 6/30/2021

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 03/31/2021 FORECAST

173,562

0

0

600

174,162

153,510

0

0

440

153,950

0

ACTUAL

153,510

-6,438 -6,438

27,598 27,598

440

187,986 34,037

-50MM

FORECAST VARIANCE

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

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

*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 91,220 10,881 6,557 20,615 26,520 155,793

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Overnight Investments All Other Investments

0

0

0

0

0

0

0

8,457 4,024 22,095 19,917 54,493

9,211 3,315 10,814 9,639 32,978

7,974 3,384 13,367 9,771 34,495

10,281 3,477 11,457 5,896 31,111

8,156 3,504 13,334 4,544 29,537

9,227 2,951 8,401 4,138

7,097 2,884 9,279 3,030

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

24,718

22,290

30,214

25,061

7,286

9,870

7,737

1,612

581

2,776

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

30,214 125,580 125,580

25,061 29,432 155,012

7,286 25,692 180,704

9,870 24,626 205,330

7,737 23,374 228,704

1,612 27,926 256,629

581

2,776 19,514 300,280

Net Cash Flow

24,137 280,766

Cumulative Net Cash Flow

1. Projections to be discussed @ ALCO.

Cloyd Bank & Trust - Page 12