CMS Case Study

Liquidity Projection - 9/30/2021

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 06/30/2021 FORECAST

215,640

0

0

705

216,345

173,562

0

0

600

174,162

0

ACTUAL

173,562

5,500 5,500

59,880 59,880

600

228,542 54,380

-50MM

FORECAST VARIANCE

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

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

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

Actual

Forecast

Actual

Forecast

24 Month Cash Flow Projections

150MM

400MM

100MM

200MM

50MM

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 43,992 13,643 5,949 30,204 25,220 119,009

Q2Y1

Q3Y1

Q4Y1

Q1Y2

Q2Y2

Q3Y2

Q4Y2

Overnight Investments All Other Investments

0

0

0

0

0

0

0

12,367 4,164 10,853 10,985 38,369

11,316 3,587 14,220 11,914 41,036

13,738 3,823 15,015 11,991 44,568

11,145 3,806 11,012 5,002 30,964

11,983 3,069 8,550 4,646 28,247

10,339 3,093 9,797 3,730 26,958

12,795 3,091 8,972 3,839 28,697

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

25,582

22,589

10,648

17,648

1,515

1,375

2,402

514

0 0

0 0

0 0

0 0

0 0

0 0

0 0

0 0

25,582 93,427 93,427

22,589 15,780 109,207

10,648 30,389 139,596

17,648 26,919 166,515

1,515 29,449 195,964

1,375 26,872 222,836

2,402 24,557 247,392

514

Net Cash Flow

28,183 275,575

Cumulative Net Cash Flow

1. Projections to be discussed @ ALCO.

Cloyd Bank & Trust - Page 12