CMS Case Study

Capital Analysis - 3/31/2021

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

20

20

14.92

14.70

14.54

14.41

15

15

13.40

9.46

9.21

9.00

9.00

10

10

8.51

5

5

0

0

3/31/2020

6/30/2020

9/30/2020

12/31/2020

3/31/2021

3/31/2020

6/30/2020

9/30/2020

12/31/2020

3/31/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

20

20

16.17

15.95

15.79

15.66

14.92

14.70

14.65

14.54

14.41

15

15

13.40

10

10

5

5

0

0

3/31/2020

6/30/2020

9/30/2020

12/31/2020

3/31/2021

3/31/2020

6/30/2020

9/30/2020

12/31/2020

3/31/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

03/31/2021 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

8.51%

64.2

8.00%

-3.8

+47.6

5.00%

-26.4

+528.9

TOTAL ASSETS FOR LEVERAGE RATIO

754.4

COMMON EQUITY TIER 1

14.70% 14.70% 15.95%

64.2 64.2

6.50% 8.00%

-35.8 -29.2 -26.0

+550.6 +365.5 +259.8

TIER 1 CAPITAL TOTAL CAPITAL

69.6 12.50%

-15.1

+120.5

10.00%

TOTAL RISK WEIGHTED ASSETS

436.5

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

Cloyd Bank & Trust - Page 9