December 31, 2018 (in thousands)

Cash and Due From Banks$18,041
Securities$132,661
Loans and Discounts$699,543
Less: Allowance for Loan and Lease Loss($10,997)
Premises and Fixed Assets$21,039
Other Real Estate Owned$426
Intangible Assets$7,143
Other Assets$18,389
TOTAL ASSETS$886,245
Deposits$761,264
Noninterest Bearing$190,821
Interest Bearing$570,443
Notes and Sub Debentures-
Other Borrowed Money-
Federal Funds Purchased-
Other Liabilities$20,274
TOTAL LIABILITIES$781,538

Common Stock$3,230
Surplus$34,355
Undivided Profits and Capital Reserves$66,756
Unrealized Gain/Loss on Securities$366
TOTAL EQUITY$104,707
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$886,245

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our March 31, 2019 Call Report to comply with Regulation F.

Capital RatioWell Capitalized Per Regulation FCorTrust Bank Mitchell, SD
Tier One Leverage Ratio 5%11.49%
Common Equity Tier 1 Risked Based Capital Ratio6.5%13.35%
Tier One Risk Based Capital Ratio8%13.35%
Total Risk Based Capital Ratio10%14.60%



Item (in thousands)12/31/2018
03/31/2019
Total Assets$871,942
$886,245
Total Liabilities$769,315
$781,538
Total Equity Capital$102,627$104,707
Total Loans$699,884
$699,543
Loan Loss Reserve($10,713)
($10,997)

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.