September 30, 2019 (in thousands)

Cash and Due From Banks$47,606
Securities$261,527
Loans and Discounts$835,562
Less: Allowance for Loan and Lease Loss($11,715)
Premises and Fixed Assets$37,961
Other Real Estate Owned$950
Intangible Assets$15,584
Other Assets$27,617
TOTAL ASSETS$1,215,092
Deposits$1,071,962
Noninterest Bearing$246,697
Interest Bearing$825,265
Notes and Sub Debentures-
Other Borrowed Money-
Federal Funds Purchased-
Other Liabilities$18,043
TOTAL LIABILITIES$1,090,005

Common Stock$3,710
Surplus$52,019
Undivided Profits and Capital Reserves$68,319
Unrealized Gain/Loss on Securities$1,039
TOTAL EQUITY$125,087
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$1,215,092

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our September 30, 2019 Call Report to comply with Regulation F.

Capital RatioWell Capitalized Per Regulation FCorTrust Bank Mitchell, SD
Tier One Leverage Ratio 5%10.81%
Common Equity Tier 1 Risked Based Capital Ratio6.5%12.12%
Tier One Risk Based Capital Ratio8%12.12%
Total Risk Based Capital Ratio10%13.37%



Item (in thousands)06/30/2019
09/30/2019
Total Assets$894,067
$1,215,092
Total Liabilities$789,014
$1,090,005
Total Equity Capital$105,053$125,087
Total Loans$713,701
$835,562
Loan Loss Reserve($10,967)
($11,715)

This information is not a substitute for your analysis, but is intended to assist you in the analytical process. If you have any questions or concerns, please feel free to contact CorTrust Bank.