December 31, 2018 (in thousands)

Cash and Due From Banks$27,029
Securities$107,416
Loans and Discounts$700,306
Less: Allowance for Loan and Lease Loss($11,135)
Premises and Fixed Assets$21,345
Other Real Estate Owned$439
Intangible Assets$7,326
Other Assets$19,216
TOTAL ASSETS$871,942
Deposits$750,898
Noninterest Bearing$201,563
Interest Bearing$549,335
Notes and Sub Debentures-
Other Borrowed Money-
Federal Funds Purchased-
Other Liabilities$18,417
TOTAL LIABILITIES$769,315

Common Stock$3,230
Surplus$34,355
Undivided Profits and Capital Reserves$65,357
Unrealized Gain/Loss on Securities($315)
TOTAL EQUITY$102,627
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$871,942

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our December 31, 2018 Call Report to comply with Regulation F.

Capital RatioWell Capitalized Per Regulation FCorTrust Bank Mitchell, SD
Tier One Leverage Ratio 5%11.84%
Common Equity Tier 1 Risked Based Capital Ratio6.5%13.07%
Tier One Risk Based Capital Ratio8%13.07%
Total Risk Based Capital Ratio10%14.32%



Item (in thousands)06/30/18
09/30/2018
Total Assets$855,187
$871,942
Total Liabilities$754,026
$769,315
Total Equity Capital$101,161
$102,627
Total Loans$705,543
$700,306
Loan Loss Reserve($11,032)
($11,135)

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.