December 31, 2017 (in thousands)

Cash and Due From Banks$16,400
Securities$79,964
Loans and Discounts$671,364
Less: Allowance for Loan and Lease Loss                ($10,095)
Premises and Fixed Assets  $17,984
Other Real Estate Owned  $62
Intangible Assets$3,984
Other Assets $16,460
TOTAL ASSETS $796,123
Deposits$692,829
Noninterest Bearing$186,867
Interest Bearing $505,962
Notes and Sub Debentures                                       -
Other Borrowed Money -
Federal Funds Purchased                                  -
Other Liabilities$14,815
TOTAL LIABILITIES$707,644
Common Stock$2,959
Surplus$24,464
Undivided Profits and Capital Reserves         $61,089
Unrealized Gain/Loss on Securities  ($33)
TOTAL EQUITY  $88,479
TOTAL LIABILITIES AND SHAREHOLDER EQUITY$796,123

Capital Ratios and Other Balance Sheet Information

The following figures were obtained from our December 31, 2017 Call Report to comply with Regulation F.

Capital RatioWell Capitalized Per Regulation FCorTrust Bank Mitchell, SD
Tier One Leverage Ratio5%10.92%
Common Equity Tier 1 Risked Based Capital Ratio6.5%11.83%
Tier One Risk Based Capital Ratio8%11.83%
Total Risk Based Capital Ratio10%13.08%
Item (in thousands)9/30/1712/31/17
Total Assets$804,797$796,123
Total Liabilities$715,683$707,644
Total Equity Capital$89,114$88,479
Total Loans$669,183$671,364
Loan Loss Reserve($9,909)($10,095)

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.