CMS Case Study

Capital Analysis - 12/31/2020

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

20

20

15

15

13.64

9.87

9.46

9.21

9.00

9.00

10

10

5

5

N/A

N/A

N/A

N/A

0

0

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

20

20

14.89

15

15

13.64

10

10

5

5

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

0

0

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

12/31/2020 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

9.00%

62.9

8.00%

-7.0

+87.6

5.00%

-28.0

+559.4

TOTAL ASSETS FOR LEVERAGE RATIO

698.8

All dollar amounts are shown in millions

1. Tier 1 Leverage Ratio is based upon schedule RC-R of the Call Report. As of 3/31/2020, the Bank is only required to report the Tier 1 Leverage Ratio per the CBLR framework.

Cloyd Bank & Trust - Page 9