Community Trust Bank, Inc.

Community Trust Bank, Inc. is headquartered in Pikeville and is the largest bank in the state of Kentucky. It is also the 217^st largest bank in the nation. It was established in 1903 and as of December of 2012, it had grown to 990 employees at 80 locations. Community Trust Bank, Inc. has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Community Trust Bank, Inc. FDIC Certificate # 2720 BankRate Report View Year Established 1903 Employees 990 Primary Regulator FED Assets and Liabilities Assets $3.62 billion Loans $2.54 billion Deposits $2.92 billion Equity Capital $437.57 million Loan Loss Allowance $33.25 million Unbacked Noncurrent Loans $34.99 million Real Estate Owned $47.54 million Historic Data - December 2011 Assets $3.57 billion Equity Capital $406.57 million Loan Loss Allowance $33.17 million Unbacked Noncurrent Loans $36.49 million Real Estate Owned $56.96 million Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 1.24% Return on Equity 10.63% Interest Income $153.47 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Community Trust Bank, Inc. had $82.53 million in non-current loans and owned real-estate with $470.81 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank, Inc. a Texas Ratio of 17.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Trust Bank, Inc. decreased slightly from 21.20% as of December 31, 2011 to 17.53% as of December 31, 2012, resulting in a positive change of 17.31%.This indicates that the balance sheet and financial strength for Community Trust Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Community Trust Bank, Inc. has increased its total deposits by $25.95 million, resulting in 0.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Trust Bank, Inc. has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Trust Bank, Inc. has $3.62 billion in assets with $470.81 million in equity, resulting in a capitalization level of 13.02%, which is excellent.

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