CMS Case Study

Capital Analysis - 9/30/2020

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

20

20

14.10

15

15

13.64

9.99

9.87

9.46

9.21

9.00

10

10

5

5

N/A

N/A

N/A

0

0

9/30/2019

12/31/2019

3/31/2020

6/30/2020

9/30/2020

9/30/2019

12/31/2019

3/31/2020

6/30/2020

9/30/2020

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

20

20

15.17

14.89

14.10

15

15

13.64

10

10

5

5

N/A

N/A

N/A

N/A

N/A

N/A

0

0

9/30/2019

12/31/2019

3/31/2020

6/30/2020

9/30/2020

9/30/2019

12/31/2019

3/31/2020

6/30/2020

9/30/2020

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

09/30/2020 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

9.00%

62.2

8.00%

-6.9

+86.1

5.00%

-27.6

+552.8

TOTAL ASSETS FOR LEVERAGE RATIO

691.8

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