CMS Case Study

Capital Analysis - 6/30/2021

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

25

25

20

20

16.59

14.92

14.70

14.54

14.41

15

15

9.21

9.26

9.00

9.00

10

10

8.51

5

5

0

0

6/30/2020

9/30/2020

12/31/2020

3/31/2021

6/30/2021

6/30/2020

9/30/2020

12/31/2020

3/31/2021

6/30/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

25

25

20

20

17.84

16.59

16.17

15.95

15.79

15.66

14.92

14.70

14.54

14.41

15

15

10

10

5

5

0

0

6/30/2020

9/30/2020

12/31/2020

3/31/2021

6/30/2021

6/30/2020

9/30/2020

12/31/2020

3/31/2021

6/30/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

06/30/2021 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

9.26%

75.7

8.00%

-10.3

+128.9

5.00%

-34.8

+696.4

TOTAL ASSETS FOR LEVERAGE RATIO

816.9

COMMON EQUITY TIER 1

16.59% 16.59% 17.84%

75.7 75.7

6.50% 8.00%

-46.0 -39.2 -35.8

+707.8 +489.6 +357.5

TIER 1 CAPITAL TOTAL CAPITAL

81.4 12.50%

-24.3

+194.8

10.00%

TOTAL RISK WEIGHTED ASSETS

456.2

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

Cloyd Bank & Trust - Page 9