Capital Markets School - Case Study
Cloyd Bank & Trust
CONTINGENCY PLANNING PROGRAM LIQUIDITY - CASH FLOW AND FUNDS AVAILABILITY ANALYSIS AS OF 9/30/2021 STRESS 2 - STRESS CASE
DEC-21 MAR-22
JUN-22 SEP-22
DEC-22 MAR-23
JUN-23
SEP-23
TOTAL
Loans Loan Cash Flow (Inc. Estimated Prepayments)
58,900
24,859
28,498
29,704
19,170
15,700
16,094
15,387 208,312
Agricultural
0
0
0
0
0
0
0
0
0
Adj. Agricultural
-2.50%
0
0
0
0
0
0
0
0
0
Auto
0
0
0
0
0
0
0
0
0
Adj. Auto
-4.00%
0
0
0
0
0
0
0
0
0
Commercial & Industrial
8,912
6,388
7,940
10,899
3,984
3,654
3,067
3,196
48,040
Adj. Commercial & Industrial
-5.40% (481)
(345)
(429)
(589)
(215)
(197)
(166)
(173)
(2,594)
Commercial Real Estate
30,204
10,853
14,220
15,015
11,012
8,550
9,797
8,972 108,623
Adj. Commercial Real Estate
-2.50% (755)
(271)
(356)
(375)
(275)
(214)
(245)
(224)
(2,716)
Construction
4,926
2,666
2,092
70
118
253
0
0
10,125
Adj. Construction
-12.30% (606)
(328)
(257)
(9)
(15)
(31)
0
0
(1,245)
Home Equity
1,788
1,104
1,050
971
889
1,042
753
937
8,534
Adj. Home Equity
-4.00%
(72)
(44)
(42)
(39)
(36)
(42)
(30)
(37)
(341)
Residential
4,161
3,060
2,537
2,852
2,916
2,027
2,340
2,154
22,047
Adj. Residential
-2.50% (104)
(77)
(63)
(71)
(73)
(51)
(59)
(54)
(551)
Other Loans
11,382
1,930
1,881
1,021
900
738
663
642
19,157
Adj. Other Loans
-4.00% (455)
(77)
(75)
(41)
(36)
(30)
(27)
(26)
(766)
Loan Cash Flow Reinvested
(61,373)
(26,001)
(29,720)
(30,828)
(19,819)
(16,264)
(16,620)
(15,901)
(216,526)
Agricultural
0
0
0
0
0
0
0
0
0
Auto
0
0
0
0
0
0
0
0
0
Commercial & Industrial
(8,912)
(6,388)
(7,940)
(10,899)
(3,984)
(3,654)
(3,067)
(3,196)
(48,040)
Commercial Real Estate
(30,204)
(10,853)
(14,220)
(15,015)
(11,012)
(8,550)
(9,797)
(8,972)
(108,623)
Construction
(4,926)
(2,666)
(2,092)
(70)
(118)
(253)
0
0 (10,125)
Home Equity
(1,788)
(1,104)
(1,050)
(971)
(889)
(1,042)
(753)
(937)
(8,534)
Residential
(4,161)
(3,060)
(2,537)
(2,852)
(2,916)
(2,027)
(2,340)
(2,154)
(22,047)
Other Loans
(11,382)
(1,930)
(1,881)
(1,021)
(900)
(738)
(663)
(642)
(19,157)
Loan Sales
0
0
0
0
0
0
0
0
0
Agricultural
0
0
0
0
0
0
0
0
0
Auto
0
0
0
0
0
0
0
0
0
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
Loan Originations/Purchases
0
0
0
0
0
0
0
0
0
Agricultural
0
0
0
0
0
0
0
0
0
Auto
0
0
0
0
0
0
0
0
0
18
© Darling Consulting Group 2021
12/13/2021 - 2:11 PM
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