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 - RELIEF 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
(17,953)
(17,486)
(17,032)
(16,589)
(16,158)
(15,738)
(15,329)
(14,930)
(131,215)
DDA
10.00% (5,240)
(5,104)
(4,971)
(4,842)
(4,716)
(4,594)
(4,474)
(4,358)
(38,299)
Interest Checking
10.00% (8,512)
(8,291)
(8,075)
(7,865)
(7,661)
(7,462)
(7,268)
(7,079)
(62,214)
Core Savings / MMDA
10.00% (2,492)
(2,427)
(2,364)
(2,303)
(2,243)
(2,185)
(2,128)
(2,072)
(18,214)
Premium Savings / MMDA
10.00%
0
0
0
0
0
0
0
0
0
Other Secured Non-Maturity Deposits
10.00% (1,009)
(982)
(957)
(932)
(908)
(884)
(861)
(839)
(7,372)
Brokered NMD
10.00%
0
0
0
0
0
0
0
0
0
Retail Repos
10.00% (700)
(682)
(664)
(647)
(630)
(614)
(598)
(582)
(5,117)
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
(17,953)
(17,486)
(17,032)
(16,589)
(16,158)
(15,738)
(15,329)
(14,930)
(131,215)
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
21,745
19,201
9,051
15,001
1,288
1,169
2,042
437
69,932
Regular / Local CD
85.00% 14,634
14,646
6,796
9,131
1,288
1,169
661
437
48,760
Jumbo CDs
85.00% 7,111
4,555
2,255
5,870
0
0
1,380
0
21,172
Secured Time Deposits
100.00%
0
0
0
0
0
0
0
0
0
Internet / National CD
85.00%
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
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
25
© Darling Consulting Group 2021
12/13/2021 - 2:11 PM
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