Community Trust Bank

3921 Elm Street
Choudrant, LA 71227
www.ctbonline.com

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Community Trust Bank is headquartered in Choudrant and is the 3^rd largest bank in the state of Louisiana. It is also the 241^st largest bank in the nation. It was established in 1912 and as of March of 2013, it had grown to 327 employees at 32 locations. Community Trust Bank has a 5-star health rating.

Top Reward Checking Account at Community Trust Bank in TX, LA & MS - 9/25/2012

Community Trust Bank is offering a very competitive reward checking account that it calls Trust Plus Checking. Both the rate and the balance cap make this a good deal. The details are shown below. The ...

Community Trust Bank RCA 3.25%APY $30K Cap (Forum) - 8/25/2012

Terms of the Trust Plus checking account at this 4-star rated institution: 12 posted and cleared (point of sale or signature based) debit card transactions 1 posted and cleared ACH debit or credit receive monthly eStatements. $50.00 minimum to o

Special 13-Month CD at Community Trust Bank in Parts of TX, LA & MS - Local Only - 2/3/2012

Community Trust Bank is offering a 13-month CD special with some competitive rates. If you meet all the checking account requirements, you can get a very competitive rate of 1.65% APY. That requires o ...

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See Rates for: Checking | Savings | Money Market | CD

Community Trust Bank Checking Account Rates

Apy	Min	Max	Product
0.65%	$1m	-	Connect Checking
0.15%	-	-	Business Interest Checking
0.10%	$1,500	-	Interest Checking

Community Trust Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$250k	-	Community Savings
0.25%	$25k	-	Health Savings Account
0.25%	$250k	-	Business Savings

Community Trust Bank Money Market Rates

Apy	Min	Max	Product
0.25%	-	-	Premium Personal Money Marker
0.25%	$25k	-	Commercial Money Market

Community Trust Bank CD Rates

Apy	Min	Max	Product
0.70%	-	-	24 Month Insured CD
0.70%	-	-	24 Month Business Insured CD
0.60%	-	-	18 Month Insured CD
0.60%	-	-	18 Month Business Insured CD
0.50%	-	-	12 Month Insured CD
0.50%	-	-	12 Month Business Insured CD
0.30%	-	-	6 Month Insured CD
0.30%	-	-	6 Month Business Insured CD

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

Community Trust Bank
FDIC Certificate #	12614
BankRate Report	View
Year Established	1912
Employees	327
Primary Regulator	FED
Assets and Liabilities
Assets	$3.01 billion
Loans	$2.30 billion
Deposits	$2.54 billion
Equity Capital	$338.54 million
Loan Loss Allowance	$30.61 million
Unbacked Noncurrent Loans	$14.97 million
Real Estate Owned	$8.34 million
Historic Data - March 2012
Assets	$2.58 billion
Equity Capital	$234.64 million
Loan Loss Allowance	$26.27 million
Unbacked Noncurrent Loans	$20.27 million
Real Estate Owned	$5.34 million
Profit Margin - Quarterly
Net Interest Margin	3.24%
Return on Assets	0.77%
Return on Equity	6.97%
Interest Income	$27.66 million

Institution Health

Overall Score:

5 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 March 31, 2013 Community Trust Bank had $23.31 million in non-current loans and owned real-estate with $369.15 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank a Texas Ratio of 6.31% which is excellent. 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 decreased slightly from 9.82% as of March 31, 2012 to 6.31% as of March 31, 2013, resulting in a positive change of 35.70%.This indicates that the balance sheet and financial strength for Community Trust Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Community Trust Bank has increased its total deposits by $433.22 million, resulting in 20.6% 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 has shown is excellent.
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 has $3.01 billion in assets with $369.15 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

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Community Trust Bank

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