Community Trust Bank

Community Trust offers time and demand deposits, checking accounts, negotiable order of withdrawal accounts, money market accounts, individual retirement accounts and Keogh plans, regular and term savings accounts, and certificates of deposit. The company’s loan portfolio comprises commercial loans, construction loans, secured and unsecured loans, mortgage loans, personal loans, residential and commercial real estate loans, lease-financing, lines of credit, revolving lines of credit, term loans, and asset-based financing. It also offers debit cards, cash management services, annuity and life insurance products, letters of credit, safe deposit boxes, and funds transfer services. In addition, the company, through its subsidiaries, operates as a trustee of personal trusts; as an executor of estates; as a trustee for employee benefit trusts; as a registrar, as a transfer agent, and as a paying agent for bond and stock issues; as a depository for securities; and as a provider of brokerage services. As of June 2, 2009, it had 71 banking locations across eastern, northeastern, central, and south central Kentucky; 6 banking locations in southern West Virginia; and 5 trust offices across Kentucky. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.

(Above information acquired from Bloomberg.com Business Week Financials Sector)

NASDAQ symbol: CTBI

Type
Public
HQ
Pikeville, US
Founded
1903
Size (employees)
984 (est)
Website
ctbi.com
Community Trust Bank was founded in 1903 and is headquartered in Pikeville, US

Community Trust Bank Office Locations

Community Trust Bank has an office in Pikeville

Community Trust Bank Data and Metrics

Community Trust Bank Financial Metrics

Community Trust Bank's revenue was reported to be $48.3 m in Q1, 2017
USD

Revenue (Q1, 2017)

48.3 m

Gross profit (Q1, 2017)

44.7 m

Gross profit margin (Q1, 2017), %

92%

Net income (Q1, 2017)

11.3 m

EBIT (Q1, 2017)

31.9 m

Market capitalization (25-Jul-2017)

769.9 m

Cash (31-Mar-2017)

203 m
Community Trust Bank's current market capitalization is $769.9 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

148.1 m143.9 m144 m195 m

Revenue growth, %

(3%)0%35%

Cost of goods sold

11.8 m13.6 m

Gross profit

132.2 m181.5 m

Gross profit Margin, %

92%93%

Operating expense total

105.4 m107.1 m

EBIT

65.2 m62.4 m65 m125.1 m

EBIT margin, %

44%43%45%64%

Pre tax profit

65 m66.5 m

Income tax expense

18.5 m19.1 m

Net Income

45.2 m43.3 m46.4 m47.3 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

46.8 m48 m46.5 m48.3 m47.9 m47.5 m48.1 m49.9 m48.3 m

Cost of goods sold

3 m3 m2.8 m2.9 m2.9 m3.2 m3.3 m3.5 m3.7 m

Gross profit

43.8 m45 m43.6 m45.4 m45 m44.3 m44.8 m46.4 m44.7 m

Gross profit Margin, %

94%94%94%94%94%93%93%93%92%

R&D expense

1.9 m2 m1.9 m1.7 m1.6 m1.6 m1.6 m1.6 m1.8 m

Operating expense total

1.9 m2 m1.9 m1.7 m1.6 m1.6 m1.6 m1.6 m1.8 m

EBIT

32.1 m29.7 m31 m30.9 m30.4 m31.6 m31.2 m31 m31.9 m

EBIT margin, %

69%62%67%64%63%66%65%62%66%

Pre tax profit

17.8 m15.8 m15.9 m16.8 m14.9 m16.3 m15.8 m17.5 m15.8 m

Income tax expense

5.6 m4.9 m5 m4.4 m3.7 m4.7 m4.2 m5.2 m4.5 m

Net Income

12.2 m10.9 m10.9 m12.4 m11.2 m11.6 m11.6 m12.3 m11.3 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

106.6 m105.5 m187.6 m144.7 m

Inventories

2.9 b

PP&E

52 m50 m48.2 m47.9 m

Goodwill

65.5 m65.5 m65.5 m65.5 m

Total Assets

3.6 b3.7 b3.9 b3.9 b

Accounts Payable

3.1 b

Total Debt

61.3 m

Total Liabilities

3.4 b

Additional Paid-in Capital

167.1 m214.7 m217 m219.7 m

Retained Earnings

174.3 m144.7 m169.9 m195.1 m

Total Equity

412.5 m447.9 m475.6 m500.6 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

8.7 x8.3 x8.2 x7.9 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

138 m118.5 m141 m145 m163.2 m162.4 m138.7 m121.2 m203 m

Inventories

2.6 b2.7 b2.7 b2.8 b2.8 b2.9 b2.9 b2.9 b3 b

PP&E

50.6 m50.6 m49.4 m48.8 m48.5 m48.2 m48.1 m47.8 m47.3 m

Goodwill

65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m65.5 m

Total Assets

3.7 b3.7 b3.8 b3.8 b3.8 b3.9 b3.9 b3.9 b4 b

Accounts Payable

2.9 b2.9 b2.9 b2.9 b3 b3 b3 b3.1 b3.2 b

Additional Paid-in Capital

212.3 m212.2 m215 m215.5 m216.3 m217.1 m217.4 m218.8 m220 m

Retained Earnings

134.2 m139.9 m150.4 m157.6 m163.4 m176 m182.2 m188.8 m200.7 m

Total Equity

433.9 m438.2 m457.4 m461.6 m470.6 m485.6 m493.6 m500.1 m507.5 m

Financial Leverage

8.4 x8.4 x8.2 x8.2 x8.1 x8 x7.9 x7.9 x7.9 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

45.2 m43.3 m46.4 m47.3 m

Depreciation and Amortization

4.6 m4.3 m3.9 m3.9 m

Cash From Operating Activities

90.7 m57.5 m55 m61.4 m

Cash From Investing Activities

(122 m)(144.1 m)(108.3 m)(86.1 m)

Dividends Paid

(24.5 m)(20.6 m)(21.3 m)(22.2 m)

Cash From Financing Activities

(69.6 m)85.4 m135.5 m(18.2 m)

Interest Paid

13.7 m11.9 m11.6 m13.4 m

Income Taxes Paid

20.3 m15.8 m20.5 m19.2 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

12.2 m10.9 m10.9 m12.4 m11.2 m11.6 m11.6 m12.3 m11.3 m
USDY, 2017

Revenue/Employee

49.1 k

Financial Leverage

7.9 x

Community Trust Bank Market Value History

Community Trust Bank Company Life and Culture

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