Capital Markets School - Case Study
Cloyd Bank & Trust
CONTINGENCY PLANNING PROGRAM LIQUIDITY - CASH FLOW AND FUNDS AVAILABILITY ANALYSIS AS OF 9/30/2021 BASE CASE
DEC-21 MAR-22
JUN-22 SEP-22
DEC-22 MAR-23
JUN-23
SEP-23
TOTAL
Commercial & Industrial
0
0
0
0
0
0
0
0
0
Commercial Real Estate
0
0
0
0
0
0
0
0
0
Construction
0
0
0
0
0
0
0
0
0
Home Equity
0
0
0
0
0
0
0
0
0
Residential
0
0
0
0
0
0
0
0
0
Other Loans
0
0
0
0
0
0
0
0
0
Net Loan Cash Flow
0
0
0
0
0
0
0
0
0
Investments Cash Flows
13,644
12,367
11,316
13,738
11,145
11,983
10,339
12,795
97,327
MBS / CMO (Gov't)
11,969
10,284
11,195
11,419
10,033
8,990
10,226
10,605
84,721
MBS / CMO (Private)
0
0
0
0
0
0
0
0
0
Municipals
1,305
1,805
0
1,305
745
2,730
0
1,935
9,825
Other Investments
125
278
121
270
117
263
113
255
1,542
Other Liquid Investments
245
0
0
744
250
0
0
0
1,239
Overnight Investments
0
0
0
0
0
0
0
0
0
UST / GSE Bonds
0
0
0
0
0
0
0
0
0
Cash Flow Reinvested
(13,399)
(12,367)
(11,316)
(12,994)
(10,895)
(11,983)
(10,339)
(12,795)
(96,088)
MBS / CMO (Gov't)
(11,969)
(10,284)
(11,195)
(11,419)
(10,033)
(8,990)
(10,226)
(10,605)
(84,721)
MBS / CMO (Private)
0
0
0
0
0
0
0
0
0
Municipals
(1,305)
(1,805)
0
(1,305)
(745)
(2,730)
0
(1,935)
(9,825)
Other Investments
(125)
(278)
(121)
(270)
(117)
(263)
(113)
(255)
(1,542)
Other Liquid Investments
0
0
0
0
0
0
0
0
0
Overnight Investments
0
0
0
0
0
0
0
0
0
UST / GSE Bonds
0
0
0
0
0
0
0
0
0
Sales
0
0
0
0
0
0
0
0
0
MBS / CMO (Gov't)
0
0
0
0
0
0
0
0
0
MBS / CMO (Private)
0
0
0
0
0
0
0
0
0
Municipals
0
0
0
0
0
0
0
0
0
Other Investments
0
0
0
0
0
0
0
0
0
Other Liquid Investments
0
0
0
0
0
0
0
0
0
Overnight Investments
0
0
0
0
0
0
0
0
0
UST / GSE Bonds
0
0
0
0
0
0
0
0
0
Purchases
0
0
0
0
0
0
0
0
0
MBS / CMO (Gov't)
0
0
0
0
0
0
0
0
0
MBS / CMO (Private)
0
0
0
0
0
0
0
0
0
Municipals
0
0
0
0
0
0
0
0
0
Other Investments
0
0
0
0
0
0
0
0
0
Other Liquid Investments
0
0
0
0
0
0
0
0
0
9
© Darling Consulting Group 2021
12/13/2021 - 2:11 PM
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