September 30, 2018 (in thousands)

Cash and Due From Banks$19,310
Securities$93,000
Loans and Discounts$705,543
Less: Allowance for Loan and Lease Loss($11,032)
Premises and Fixed Assets$21,483
Other Real Estate Owned$439
Intangible Assets$7,487
Other Assets$18,957
TOTAL ASSETS$855,187
Deposits$734,601
Noninterest Bearing$191,803
Interest Bearing$542,798
Notes and Sub Debentures-
Other Borrowed Money-
Federal Funds Purchased-
Other Liabilities$19,425
TOTAL LIABILITIES$754,026

Common Stock$3,230
Surplus$34,355
Undivided Profits and Capital Reserves$64,293
Unrealized Gain/Loss on Securities($717)
TOTAL EQUITY$101,161
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$855,187

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our September 30, 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%12.76%
Tier One Risk Based Capital Ratio8%12.76%
Total Risk Based Capital Ratio10%14.02%



Item (in thousands)06/30/18
09/30/2018
Total Assets$788,085
$855,187
Total Liabilities$698,423
$754,026
Total Equity Capital$89,662
$101,161
Total Loans$645,457
$705,543
Loan Loss Reserve($10,533)
($11,032)

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.