Community Trust Bank Gross profit (Q2, 2018)96.8 M

Community Trust Bank Gross profit margin (Q2, 2018), %88.3%

Community Trust Bank Net income (Q2, 2018)27.4 M

Community Trust Bank EBIT (Q2, 2018)66.9 M

Community Trust Bank Cash, 30-Jun-2018198.4 M

Community Trust Bank EV683.6 M

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|---|---|

## Revenue | 148.1 m | 188.9 m | 190.8 m | 195 m | |

| 28% | 1% | 2% | ||

## Cost of goods sold | 11.8 m | 13.6 m | 18.3 m | ||

## Gross profit | 179.1 m | 181.5 m | |||

| 94% | 93% | |||

## R&D expense | 7.1 m | ||||

## Operating expense total | 109.9 m | ||||

## EBIT | 65.2 m | 62.4 m | 65 m | 125.1 m | 129.9 m |

| 44% | 33% | 34% | 64% | |

## Pre tax profit | 65 m | 66.5 m | 68.5 m | ||

## Income tax expense | 18.5 m | 19.1 m | 17 m | ||

## Net Income | 45.2 m | 43.3 m | 46.4 m | 47.3 m | 51.5 m |

- Source: SEC Filings

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q2, 2017 | Q3, 2017 | Q1, 2018 | Q2, 2018 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Revenue | 49.5 m | 45.8 m | 46.8 m | 48 m | 46.5 m | 48.3 m | 47.9 m | 47.5 m | 48.1 m | 49.9 m | 48.3 m | 50.7 m | 53.9 m | 109.7 m | |

## Cost of goods sold | 3.3 m | 2.9 m | 3 m | 3 m | 2.8 m | 2.9 m | 2.9 m | 3.2 m | 3.3 m | 3.5 m | 3.7 m | 4.2 m | 6 m | 12.9 m | |

## Gross profit | 46.2 m | 42.8 m | 43.8 m | 45 m | 43.6 m | 45.4 m | 45 m | 44.3 m | 44.8 m | 46.4 m | 44.7 m | 46.6 m | 47.9 m | 96.8 m | |

| 93% | 94% | 94% | 94% | 94% | 94% | 94% | 93% | 93% | 93% | 92% | 92% | 89% | 88% | |

## R&D expense | 1.9 m | 1.9 m | 1.9 m | 2 m | 1.9 m | 1.7 m | 1.6 m | 1.6 m | 1.6 m | 1.6 m | 1.8 m | 1.8 m | 1.6 m | 3.3 m | |

## Operating expense total | 25.6 m | 26.9 m | 25.3 m | 25.9 m | 25.8 m | 26.3 m | 27.5 m | 26.2 m | 27.2 m | 26.7 m | 27.6 m | 27.6 m | 28.7 m | 61.1 m | |

## EBIT | 32 m | 31.4 m | 32.1 m | 29.7 m | 31 m | 30.9 m | 30.4 m | 31.6 m | 31.2 m | 31 m | 31.9 m | 31.5 m | 34.3 m | 33.6 m | 66.9 m |

| 65% | 69% | 69% | 62% | 67% | 64% | 63% | 66% | 65% | 62% | 66% | 62% | 62% | 61% | |

## Pre tax profit | 18.5 m | 14.6 m | 17.8 m | 15.8 m | 15.9 m | 16.8 m | 14.9 m | 16.3 m | 15.8 m | 17.5 m | 15.8 m | 16.2 m | 19.6 m | 18.3 m | 32.8 m |

## Income tax expense | 5.8 m | 4.5 m | 5.6 m | 4.9 m | 5 m | 4.4 m | 3.7 m | 4.7 m | 4.2 m | 5.2 m | 4.5 m | 4.7 m | 5.8 m | 2.5 m | 5.4 m |

## Net Income | 12.7 m | 10.1 m | 12.2 m | 10.9 m | 10.9 m | 12.4 m | 11.2 m | 11.6 m | 11.6 m | 12.3 m | 11.3 m | 11.5 m | 13.8 m | 15.8 m | 27.4 m |

- Source: SEC Filings

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|---|---|

## Cash | 106.6 m | 105.5 m | 187.6 m | 144.7 m | 175.3 m |

## Accounts Receivable | |||||

## Inventories | 2.9 b | 3.1 b | |||

## PP&E | 52 m | 50 m | 48.2 m | 47.9 m | 46.3 m |

## Goodwill | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m |

## Total Assets | 3.6 b | 3.7 b | 3.9 b | 3.9 b | 4.1 b |

## Accounts Payable | 3.1 b | 3.3 b | |||

## Short-term debt | |||||

## Long-term debt | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 59.3 m |

## Total Debt | 61.3 m | 59.3 m | |||

## Total Liabilities | 3.4 b | 3.6 b | |||

## Additional Paid-in Capital | 167.1 m | 214.7 m | 217 m | 219.7 m | 221.5 m |

## Retained Earnings | 174.3 m | 144.7 m | 169.9 m | 195.1 m | 224.3 m |

## Total Equity | 412.5 m | 447.9 m | 475.6 m | 500.6 m | 530.7 m |

## Debt to Equity Ratio | 0.1 x | ||||

## Debt to Assets Ratio | 0 x | ||||

## Financial Leverage | 8.7 x | 8.3 x | 8.2 x | 7.9 x | 7.8 x |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q2, 2017 | Q3, 2017 | Q1, 2018 | Q2, 2018 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Cash | 109 m | 193.7 m | 138 m | 118.5 m | 141 m | 145 m | 163.2 m | 162.4 m | 138.7 m | 121.2 m | 203 m | 127.8 m | 166.4 m | 194.5 m | 198.4 m |

## Inventories | 2.6 b | 2.6 b | 2.6 b | 2.7 b | 2.7 b | 2.8 b | 2.8 b | 2.9 b | 2.9 b | 2.9 b | 3 b | 3.1 b | 3.1 b | 3.2 b | |

## PP&E | 51.9 m | 51.2 m | 50.6 m | 50.6 m | 49.4 m | 48.8 m | 48.5 m | 48.2 m | 48.1 m | 47.8 m | 47.3 m | 47 m | 45.9 m | 46.5 m | |

## Goodwill | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m | 65.5 m |

## Total Assets | 3.6 b | 3.7 b | 3.7 b | 3.7 b | 3.8 b | 3.8 b | 3.8 b | 3.9 b | 3.9 b | 3.9 b | 4 b | 4.1 b | 4.1 b | 4.2 b | 4.2 b |

## Accounts Payable | 2.9 b | 2.9 b | 2.9 b | 2.9 b | 2.9 b | 2.9 b | 3 b | 3 b | 3 b | 3.1 b | 3.2 b | 3.1 b | 3.3 b | 3.3 b | |

## Long-term debt | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 59.3 m | 59.3 m | 59.3 m | 59.3 m |

## Total Debt | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 61.3 m | 59.3 m | 59.3 m | 59.3 m | 59.3 m |

## Total Liabilities | 3.2 b | 3.2 b | 3.2 b | 3.2 b | 3.3 b | 3.3 b | 3.3 b | 3.4 b | 3.4 b | 3.4 b | 3.5 b | 3.6 b | 3.6 b | 3.7 b | 3.7 b |

## Additional Paid-in Capital | 163.1 m | 167.5 m | 212.3 m | 212.2 m | 215 m | 215.5 m | 216.3 m | 217.1 m | 217.4 m | 218.8 m | 220 m | 220.5 m | 222.2 m | 222.5 m | |

## Retained Earnings | 170.6 m | 179.4 m | 134.2 m | 139.9 m | 150.4 m | 157.6 m | 163.4 m | 176 m | 182.2 m | 188.8 m | 200.7 m | 206.6 m | 214.6 m | 234.2 m | 240 m |

## Total Equity | 408.7 m | 422 m | 433.9 m | 438.2 m | 457.4 m | 461.6 m | 470.6 m | 485.6 m | 493.6 m | 500.1 m | 507.5 m | 514.9 m | 522.9 m | 537.5 m | 542.2 m |

## Debt to Equity Ratio | 0.1 x | ||||||||||||||

## Debt to Assets Ratio | 0 x | ||||||||||||||

## Financial Leverage | 8.9 x | 8.7 x | 8.4 x | 8.4 x | 8.2 x | 8.2 x | 8.1 x | 8 x | 7.9 x | 7.9 x | 7.9 x | 7.9 x | 7.9 x | 7.8 x | 7.8 x |

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|---|---|

## Net Income | 45.2 m | 43.3 m | 46.4 m | 47.3 m | 51.5 m |

## Depreciation and Amortization | 4.6 m | 4.3 m | 3.9 m | 3.9 m | 4 m |

## Accounts Receivable | |||||

## Inventories | |||||

## Accounts Payable | |||||

## Cash From Operating Activities | 90.7 m | 57.5 m | 55 m | 61.4 m | 62.4 m |

## Cash From Investing Activities | (122 m) | (144.1 m) | (108.3 m) | (86.1 m) | (186.6 m) |

## Dividends Paid | (24.5 m) | (20.6 m) | (21.3 m) | (22.2 m) | (23 m) |

## Cash From Financing Activities | (69.6 m) | 85.4 m | 135.5 m | (18.2 m) | 154.8 m |

## Interest Paid | 13.7 m | 11.9 m | 11.6 m | 13.4 m | 17.3 m |

## Income Taxes Paid | 20.3 m | 15.8 m | 20.5 m | 19.2 m | 21.4 m |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q3, 2017 | Q1, 2018 | Q2, 2018 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Net Income | 12.7 m | 10.1 m | 12.2 m | 10.9 m | 10.9 m | 12.4 m | 11.2 m | 11.6 m | 11.6 m | 12.3 m | 11.3 m | 13.8 m | 15.8 m | 27.4 m |

## Depreciation and Amortization | 965 k | 1.9 m | ||||||||||||

## Cash From Operating Activities | (12.6 m) | 36.1 m | ||||||||||||

## Cash From Investing Activities | (19.5 m) | (53.2 m) | ||||||||||||

## Dividends Paid | (5.8 m) | (11.7 m) | ||||||||||||

## Cash From Financing Activities | 51.3 m | 40.3 m | ||||||||||||

## Interest Paid | 5.3 m | 10.9 m | ||||||||||||

## Income Taxes Paid | 5.8 m | 4.5 m | 5.6 m | 4.9 m | 5 m | 5.1 m |

USD | Y, 2018 |
---|---|

## EV/EBIT | 10.2 x |

## EV/CFO | 19 x |

## Financial Leverage | 7.8 x |

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Community Trust Bank's Total Loans was reported to be $3.1b in Q2, 2017.

FY, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | FY, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | FY, 2016 | Q1, 2017 | Q2, 2017 | |
---|---|---|---|---|---|---|---|---|---|---|---|

## Bank Branches | 81 | 80 | 80 | ||||||||

## Locations | 82 | 81 | 81 | ||||||||

## Non-accrual Loans | $20.97 m | $17.26 m | $16.49 m | $14.72 m | $16.56 m | $18.45 m | $16.45 m | $16.80 m | $16.62 m | $16.50 m | $19.65 m |

## Non-performing Loans | $38.96 m | $28.61 m | $27.47 m | ||||||||

## Total Loans | $2.73 b | $2.75 b | $2.79 b | $2.82 b | $2.87 b | $2.89 b | $2.93 b | $2.93 b | $2.94 b | $2.97 b | $3.09 b |

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