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 Stress 2 - Stress Case - LIQUIDITY FORECAST (TOTAL FUNDS AVAILABLE)

$0 $30,000 $60,000 $90,000 $120,000 $150,000 $180,000 $210,000 $240,000

12% 15% 18% 21% 24% 27%

% of Assets

3% 6% 9%

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

$210,885

$190,533

$172,302

$154,266

$139,019

$124,009

$109,253

$95,153 12.63%

24.10% 5.00%

22.31% 5.00%

20.62% 5.00%

18.90% 5.00%

17.38% 5.00%

15.82% 5.00%

14.22% 5.00%

5.00%

Stress 2 - Relief Case - LIQUIDITY FORECAST (TOTAL FUNDS AVAILABLE)

$0 $30,000 $60,000 $90,000 $120,000 $150,000 $180,000 $210,000 $240,000

12% 15% 18% 21% 24% 27%

% of Assets

3% 6% 9%

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

$222,369

$206,822

$194,163

$181,898

$170,248

$158,226

$146,493

$135,296

25.41% 5.00%

24.21% 5.00%

23.24% 5.00%

22.28% 5.00%

21.28% 5.00%

20.18% 5.00%

19.07% 5.00%

17.96% 5.00%

7

© Darling Consulting Group 2021

12/13/2021 - 2:11 PM