CMS Case Study

Cloyd Bank & Trust Basic Liquidity Cash Flow 2/28/2022

SOURCES/USES (Cumulative)

30 Day

60 Day

90 Day

Assumptions

Current Balance

Cash & Due From Banks

$ $

12,734

Fed Funds Sold

100

$

100

$

100

$

100

Present investment strategy is aggressive-assuming all of current balance is rolling off.

Interest Bearing Deposits w/Banks

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

25,542 453,986 445,357

25,542 $

25,542 $ 10,807 $ 35,093 $ (66,206) $

25,542 $

Investments

$

6,164

15,360 $ Projected Paydowns per Bond Report 52,640 $ Based on Rolling 3MTH Avg Paydowns/Payoffs

Loans

17,547 $ (32,118) $

(76,051) $ Loan Pipeline:

(less) ALLL

(7,851) 57,156

Hot = 45 Days, assume 50%/30, 100%/60

Other Assets Total Assets

Warm = 90 Days, assume 5%/30, 15%/60, 40%/90

987,023

17,234 $

$

5,336

17,590 $

Purchased Funds Fed Funds

-

Customer REPOs FHLB Borrowings Discount Window*

29,957 45,000

(10,000) $

(45,000) $ Assumes Advances will be called at next call dates

-

Non-Core Deposits CDARS

- -

Brokered CDs (multiples <100)

CDs >250k

22,212 12,441

(1,435) $ (1,107) $

(3,212) $ (1,763) $

$ $

(5,279) (1,763)

Assumes every CD maturing will rolloff Assumes every CD maturing will rolloff

Public Fund CDs >250k

Core Deposits Demand

164,748 284,560 70,992 65,467 41,413 86,202 85,539 1,628

Interest Checking

Savings

CDs <250k Public Funds

(8,733) $

(16,151) $

(20,976) $ Assumes every CD maturing will rolloff

Demand Deposit Interest Checking

Savings

CDs <250k

$

(320)

$

(320)

$

(602)

Assumes every CD maturing will rolloff

Other Liabilities

Assumes Avg Mthly A/P Payments of $497k (Rolling 3 MTH Avg)

Other liabilities

$

3,002

(1,049) $

(2,098) $

$

(3,147)

Capital

$ $

73,861 987,023

Total Liabilities & Capital

(12,645) $

(33,545) $

(76,768) $

Net Sources (uses)

$

4,589

(28,208) $

(59,177) $

TOTAL Unfunded Commitments & LOCs

101,671

Commercial Line of Credit

16,368 78,901

All Other

Commercial Non Real Estate Commercial Real Estate Commercial Revolving Non RE Construction Real Estate Consumer

6,733

20,925 19,896

6,815

Consumer Non Real Estate

494 274

Consumer Real Estate

Executive Line Home Equity

1,792

21,928

Unused Overdrafts

6,403