CMS Case Study

Capital Analysis - 9/30/2021

Tier 1 Leverage Ratio

Tier 1 Common Capital (CET1) Risk Based

25

25

20

20

16.59

15.98

14.92

14.70

14.41

15

15

9.26

9.26

9.00

9.00

10

10

8.51

5

5

0

0

9/30/2020

12/31/2020

3/31/2021

6/30/2021

9/30/2021

9/30/2020

12/31/2020

3/31/2021

6/30/2021

9/30/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

Tier 1 Capital Ratio Risk Based

Total Capital Ratio Risk Based

25

25

20

20

17.84

17.24

16.59

16.17

15.98

15.95

15.66

14.92

14.70

14.41

15

15

10

10

5

5

0

0

9/30/2020

12/31/2020

3/31/2021

6/30/2021

9/30/2021

9/30/2020

12/31/2020

3/31/2021

6/30/2021

9/30/2021

POLICY

WELL-CAPITALIZED

POLICY

WELL-CAPITALIZED

09/30/2021 Capital Summary

WELL CAPITALIZED LIMITS

CUSHION

CUSHION

POLICY LIMITS

RATIO AMOUNT

CAPITAL ASSETS

CAPITAL ASSETS

TIER 1 LEVERAGE

9.26%

78.2

8.00%

-10.7

+133.3

5.00%

-36.0

+719.7

TOTAL ASSETS FOR LEVERAGE RATIO

843.9

COMMON EQUITY TIER 1

15.98% 15.98% 17.24%

78.2 78.2

6.50% 8.00%

-46.4 -39.0 -35.4

+713.6 +488.1 +354.0

TIER 1 CAPITAL TOTAL CAPITAL

84.3 12.50%

-23.2

+185.4

10.00%

TOTAL RISK WEIGHTED ASSETS

489.1

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

Cloyd Bank & Trust - Page 9