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 $195 m in 2016
Numbers are in $, USD

Revenue (Y, 2016)

195 m

Revenue growth (Y, 2015 - Y, 2016), %

35%

Gross profit (Y, 2016)

181.5 m

Gross profit margin (Y, 2016), %

93%

Net income (Y, 2016)

47.3 m

EBIT (Y, 2016)

125.1 m

Market capitalization (26-May-2017)

753 m

Closing share price (26-May-2017)

43.4

Cash (31-Dec-2016)

144.7 m
Community Trust Bank's current market capitalization is $753 m.
Numbers are in $, USDFY, 2013FY, 2014FY, 2015Y, 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
Numbers are in $, USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

106.6 m105.5 m187.6 m144.7 m

Accounts Receivable

Inventories

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

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

Financial Leverage

8.7 x8.3 x8.2 x7.9 x
Numbers are in $, 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

Accounts Receivable

Inventories

Accounts Payable

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
Numbers are in $, USDY, 2016

Revenue/Employee

198.2 k

Financial Leverage

7.9 x

Community Trust Bank Market Value History

Community Trust Bank Company Life and Culture

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