Capital Markets School - Case Study
Cloyd Bank & Trust
CONTINGENCY PLANNING PROGRAM LIQUIDITY - CASH FLOW AND FUNDS AVAILABILITY ANALYSIS AS OF 9/30/2021 STRESS 1 - STRESS CASE
DEC-21 MAR-22
JUN-22 SEP-22
DEC-22 MAR-23
JUN-23
SEP-23
TOTAL
Jumbo CDs
0
0
0
0
0
0
0
0
0
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
New Time Deposit Balances
0
0
0
0
0
0
0
0
0
Regular / Local CD
0
0
0
0
0
0
0
0
0
Jumbo CDs
0
0
0
0
0
0
0
0
0
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
Net Time Deposit Cash Flow
(3,837)
(3,388)
(1,597)
(2,647)
(227)
(206)
(360)
(77)
(12,341)
Net Deposit Cash Flow
(21,790)
(20,875)
(18,629)
(19,236)
(16,385)
(15,944)
(15,689)
(15,007)
(143,556)
Borrowings Maturities
0
0
0
0
0
0
0
0
0
FHLB Advances
0
0
0
0
0
0
0
0
0
FRB Borrowings
0
0
0
0
0
0
0
0
0
Other Collateralized Borrowings
0
0
0
0
0
0
0
0
0
Unsecured Borrowings
0
0
0
0
0
0
0
0
0
Renewals
0
0
0
0
0
0
0
0
0
FHLB Advances
0
0
0
0
0
0
0
0
0
FRB Borrowings
0
0
0
0
0
0
0
0
0
Other Collateralized Borrowings
0
0
0
0
0
0
0
0
0
Unsecured Borrowings
0
0
0
0
0
0
0
0
0
New Draw Downs
0
0
0
0
0
0
0
0
0
FHLB Advances
0
0
0
0
0
0
0
0
0
FRB Borrowings
0
0
0
0
0
0
0
0
0
Other Collateralized Borrowings
0
0
0
0
0
0
0
0
0
Unsecured Borrowings
0
0
0
0
0
0
0
0
0
Net Borrowings Cash Flow
0
0
0
0
0
0
0
0
0
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© Darling Consulting Group 2021
12/13/2021 - 2:11 PM
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