CMS Case Study

Capital Analysis - 12/31/2021

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

25

25

20

20

16.59

16.43

15.98

14.70

14.41

15

15

9.39

9.26

9.26

9.00

10

10

8.51

5

5

0

0

12/31/2020

3/31/2021

6/30/2021

9/30/2021

12/31/2021

12/31/2020

3/31/2021

6/30/2021

9/30/2021

12/31/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

25

25

20

20

17.84

17.68

17.24

16.59

16.43

15.98

15.95

15.66

14.70

14.41

15

15

10

10

5

5

0

0

12/31/2020

3/31/2021

6/30/2021

9/30/2021

12/31/2021

12/31/2020

3/31/2021

6/30/2021

9/30/2021

12/31/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

12/31/2021 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

9.39%

87.1

8.00%

-12.9

+160.7

5.00%

-40.7

+813.9

TOTAL ASSETS FOR LEVERAGE RATIO

927.9

COMMON EQUITY TIER 1

16.43% 16.43% 17.68%

87.1 87.1

6.50% 8.00%

-52.6 -44.7 -40.7

+809.7 +558.5 +407.2

TIER 1 CAPITAL TOTAL CAPITAL

93.7 12.50%

-27.5

+219.7

10.00%

TOTAL RISK WEIGHTED ASSETS

530.1

All dollar amounts are shown in millions *Risk Based asset cushion assumes 100% risk weighting

Cloyd Bank & Trust - Page 9