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
Overnight Investments
0
0
0
0
0
0
0
0
0
UST / GSE Bonds
0
0
0
0
0
0
0
0
0
Net Investment Cash Flow
245
0
0
744
250
0
0
0
1,239
Deposits Non-Maturity Deposit Decay
0
0
0
0
0
0
0
0
0
DDA
0
0
0
0
0
0
0
0
0
Interest Checking
0
0
0
0
0
0
0
0
0
Core Savings / MMDA
0
0
0
0
0
0
0
0
0
Premium Savings / MMDA
0
0
0
0
0
0
0
0
0
Other Secured Non-Maturity Deposits
0
0
0
0
0
0
0
0
0
Brokered NMD
0
0
0
0
0
0
0
0
0
Retail Repos
0
0
0
0
0
0
0
0
0
Non-Maturity Deposit New Balances
0
0
0
0
0
0
0
0
0
DDA
0
0
0
0
0
0
0
0
0
Interest Checking
0
0
0
0
0
0
0
0
0
Core Savings / MMDA
0
0
0
0
0
0
0
0
0
Premium Savings / MMDA
0
0
0
0
0
0
0
0
0
Other Secured Non-Maturity Deposits
0
0
0
0
0
0
0
0
0
Brokered NMD
0
0
0
0
0
0
0
0
0
Retail Repos
0
0
0
0
0
0
0
0
0
Net Non-Maturity Deposit Cash Flow
0
0
0
0
0
0
0
0
0
Time Deposit Maturities
(25,582)
(22,589)
(10,648)
(17,648)
(1,515)
(1,375)
(2,402)
(514)
(82,273)
Regular / Local CD
(17,216)
(17,230)
(7,995)
(10,742)
(1,515)
(1,375)
(778)
(514)
(57,365)
Jumbo CDs
(8,366)
(5,359)
(2,653)
(6,906)
0
0
(1,624)
0 (24,908)
Secured Time Deposits
0
0
0
0
0
0
0
0
0
Internet / National CD
0
0
0
0
0
0
0
0
0
Brokered -1 Way CD
0
0
0
0
0
0
0
0
0
Brokered CD
0
0
0
0
0
0
0
0
0
Retention Pct.
Time Deposit Retentions
25,582
22,589
10,648
17,648
1,515
1,375
2,402
514
82,273
Regular / Local CD
100.00% 17,216
17,230
7,995
10,742
1,515
1,375
778
514
57,365
Jumbo CDs
100.00% 8,366
5,359
2,653
6,906
0
0
1,624
0
24,908
Secured Time Deposits
100.00%
0
0
0
0
0
0
0
0
0
Internet / National CD
100.00%
0
0
0
0
0
0
0
0
0
Brokered -1 Way CD
100.00%
0
0
0
0
0
0
0
0
0
Brokered CD
100.00%
0
0
0
0
0
0
0
0
0
Time Deposit Early Redemptions/Expiration
0
0
0
0
0
0
0
0
0
Regular / Local CD
0
0
0
0
0
0
0
0
0
10
© Darling Consulting Group 2021
12/13/2021 - 2:11 PM
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