Capital Markets School - Case Study

C loyd B ank & Trust

EXECUTIVE SUMMARY LIQUIDITY - CASH FLOW AND FUNDS AVAILABILITY ANALYSIS AS OF 9/30/2021 BASE CASE - FORECAST Base Case - LIQUIDITY FORECAST (TOTAL FUNDS AVAILABLE)

$0 $60,000 $120,000 $180,000 $240,000 $300,000 $360,000 $420,000 $480,000

16% 24% 32% 40% 48% 56% 64%

% of Assets

0% 8%

Available Funds (Thousands)

1

2

3

4

5

6

7

8

Time Horizon (Quarters)

1

2

3

4

5

6

7

8

Total Funds Available Avail. Funds (% of Assets) Liquidity Minimum/Assets

$444,003

$444,003

$444,003

$444,747

$444,997

$444,997

$444,997

$444,997

49.51% 5.00%

49.51% 5.00%

49.51% 5.00%

49.59% 5.00%

49.62% 5.00%

49.62% 5.00%

49.62% 5.00%

49.62% 5.00%

Stress 1 - Stress Case - LIQUIDITY FORECAST (TOTAL FUNDS AVAILABLE)

$0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000

12% 18% 24% 30% 36% 42% 48%

% of Assets

0% 6%

Available Funds (Thousands)

1

2

3

4

5

6

7

8

Time Horizon (Quarters)

1

2

3

4

5

6

7

8

Total Funds Available Avail. Funds (% of Assets) Liquidity Minimum/Assets

$377,448

$357,365

$339,425

$321,646

$306,563

$291,692

$277,071

$263,101

43.13% 5.00%

41.84% 5.00%

40.62% 5.00%

39.40% 5.00%

38.32% 5.00%

37.21% 5.00%

36.06% 5.00%

34.93% 5.00%

6

© Darling Consulting Group 2021

12/13/2021 - 2:11 PM