Institution Statistics
| Community Trust Bank | | FDIC Certificate # | 12614 | | BankRate Report | View | | Year Established | 1912 | | Employees | 266 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $2.58 billion | | Loans | $2.01 billion | | Deposits | $2.10 billion | | Equity Capital | $234.64 million | | Loan Loss Allowance | $26.27 million | | Unbacked Noncurrent Loans | $20.27 million | | Real Estate Owned | $5.34 million |
Historic Data - March 2011 | | Assets | $1.95 billion | | Equity Capital | $170.48 million | | Loan Loss Allowance | $18.98 million | | Unbacked Noncurrent Loans | $13.17 million | | Real Estate Owned | $5.87 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.74% | | Return on Assets | 1% | | Return on Equity | 10.92% | | Interest Income | $26.32 million |
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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 March 31, 2012 Community Trust Bank had $25.61 million in non-current loans and owned real-estate with $260.9 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank a Texas Ratio of 9.82% which is above 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 held steady from 10.04% as of March 31, 2011 to 9.82% as of March 31, 2012, resulting in a positive change of 2.22%.This indicates that the balance sheet and financial strength for Community Trust Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Community Trust Bank has increased its total deposits by $468.54 million, resulting in 28.66% 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 $2.58 billion in assets with $260.9 million in equity, resulting in a capitalization level of 10.11%, which is above average. |
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