June 30, 2017 (in thousands)

Cash and Due From Banks$11,806
Securities$96,859
Loans and Discounts$646,293
Less: Allowance for Loan and Lease Loss                ($9,087)
Premises and Fixed Assets  $17,854
Other Real Estate Owned  -
Intangible Assets$4,070
Other Assets $15,609
TOTAL ASSETS $783,404
Deposits$655,887
Noninterest Bearing$169,399
Interest Bearing $486,488
Notes and Sub Debentures                                       -
Other Borrowed Money -
Federal Funds Purchased                                  $23,950
Other Liabilities$15,390
TOTAL LIABILITIES$695,227
Common Stock$2,959
Surplus$24,464
Undivided Profits and Capital Reserves         $60,253
Unrealized Gain/Loss on Securities  $501
TOTAL EQUITY  $88,177
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$783,404

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our June 30, 2017, Call Report to comply with Regulation F.

Capital RatioWell Capitalized Per Regulation FCorTrust Bank Mitchell, SD
Tier One Leverage Ratio5%11.34%
Common Equity Tier 1 Risked Based Capital Ratio6.5%12.26%
Tier One Risk Based Capital Ratio8%12.26%
Total Risk Based Capital Ratio10%13.51%
Item (in thousands)12/31/20163/31/2017
Total Assets769,033783,404
Total Liabilities680,710695,227
Total Equity Capital88,32388,177
Total Loans609,296646,290
Loan Loss Reserve(8,709)(9,087)

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.