CMS Case Study

Inventory of Liquidity Resources - 9/30/2021

CUMULATIVE AMOUNT

% OF ASSETS

BASIC SURPLUS

% OF ASSETS

BASIC SURPLUS

AMOUNT % OF ASSETS

45%

1. TIER 1 LIQUIDITY (LIQUID ASSETS)

269,152 30.0%

269,152 30.0% 204,108

22.8% (Policy Minimum: 0.0%)

Cash/Equivalents 43,992 Free Bond Collateral 222,826

30%

600

Other Inv. Cash Flow <30 Days

1,734

Other Liquid Assets + Gov't Guaranteed Loans

2. TIER 2 LIQUIDITY (FHLB LOAN BASED CAPACITY)

11,532 1.3%

280,684 31.3% 215,640

24.0% (Policy Minimum: 4.0%)

15%

46,532 35,000

Maximum FHLB Borrowings Capacity

Outstanding Advances

0%

Sep-20 Dec-20 Mar-21 Jun-21 Sep-21

3. TIER 3 LIQUIDITY (BROKERED DEPOSITS CAPACITY) 134,525 15.0%

415,209 46.3% 350,165

39.0% (Policy Minimum: 8.0%)

Maximum Brokered Deposits Capacity 134,525 Current Brokered Deposits 0

BASIC SURPLUS CALCULATION Cumulative Amount - Volatile Liabilities Coverage = Basic Surplus VOLATILE LIABILITIES COVERAGE Coverage = $65,044 7% of Assets

4. OTHER LIQUIDITY

55,761 6.2%

470,971 52.5%

21,712

Other Investments less Cash flow (< 30 Days)

2,624

Secured Borrowing Lines Unsecured Borrowing Lines

31,425

AVAILABLE WHOLESALE FUNDING CAPACITY

ON BALANCE SHEET LIQUIDITY = $290,865 / 32.4% of Assets Liquid Assets (excl. Cash flow <30 Days)+ Available Other Inv.

AVAILABLE FUNDING

AVAILABLE FUNDING PER POLICY

AVAIL. FUNDING PER TOTAL WHOLESALE POLICY

POLICY

FHLB

26,532

26,532 134,525 34,049 195,106

26,532 132,834

NOTES: 1. Other Investments includes available Municipals and Corporates less cash flow < 30 Days. 2. Outstanding advances include $15MM in FHLB Letter of Credit.

BROKERED 15.0% 134,525

OTHER WHOLESALE

34,049

0

TOTAL 20.0% 195,106

159,366

Cloyd Bank & Trust - Page 8