Community Trust Bank, Inc. in Pikeville, Kentucky (KY), WV, TN
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Trust Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 2720
    Status: Active
    Federal Reserve ID: 509811
    Bank Holding Company (Regulatory Top Holder): Community Trust Bancorp, Inc. (RSSDID: 1070644, Location: Pikeville, KY)
    Date Established: November 17, 1903
    WWW: http://www.ctbi.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 80 (Domestic: 80, Interstate: Yes)
    OTS Docket #: 9685
    FDIC's unique #: 1762
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 22, 2011
    Last Structure Change Process Date: March 25, 2011
    Last Data Update: March 25, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 346 North Mayo Trail, Pikeville, KY 41501
    County: Pike
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $3,573.0 mil
    Equity capital: $406.6 mil
    Deposits held in domestic offices: $2,890.4 mil
    Return on assets (ROA): 1.14% ($40.7 mil)
    Quarterly return on assets: 1.14% ($40.7 mil)
    Return on Equity (ROE): 10.08% ($41.0 mil)
    Quarterly return on equity: 10.03% ($40.8 mil)
    Net income: $39.6 mil
    Quarterly Net income: $10.1 mil
    Pretax return on assets: 1.65% ($58,954.7 mil)
    Quarterly Pretax return on assets: 1.69% ($60,383.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 973Total employees (full-time equivalent)
  • $3,573,012Total assets
  • $241,054Cash and due from depository institutions
  • $167,069Interest-bearing balances
  • $525,470Securities
  • $2,701Federal funds sold & reverse repurchase agreements
  • $2,523,913Net loans & leases
  • $33,171Loan loss allowance
  • $0Trading account assets
  • $54,036Bank premises and fixed assets
  • $56,964Other real estate owned
  • $63,916Goodwill and other intangibles
  • $3,573,012Life insurance assets
  • $104,958All other assets
  • $3,166,439Total liabilities and capital
  • $2,890,414Total liabilities
  • $2,293,624Total deposits
  • $2,890,414Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 230281.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,608Trading liabilities
  • $0Other borrowed funds
  • $24,136Subordinated debt
  • $406,573All other liabilities
  • $406,573Total equity capital
  • $406,573Total bank equity capital
  • $0Perpetual preferred stock
  • $3,150Common stock
  • $159,629Surplus
  • $243,794Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $536Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37,268Income earned, not collected on loans
  • $777Earning assets
  • $12,249Long-term assets (5+ years)
  • $3,219,153Average Assets, year-to-date
  • $631,231Average Assets, quarterly
  • $3,471,892Volatile liabilities
  • $3,555,385Insider loans
  • $2,512,315FHLB advances
  • $3,518,765Loans and leases held for sale
  • $43,483Unused loan commitments
  • $43,483Tier 1 (core) risk-based capital
  • $334,552Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $370,671Restructured Loans and leases
  • $22,305Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $158,272Total interest income
  • $23,005Total interest expense
  • $135,267Net interest income
  • $13,262Provision for loan and lease losses
  • $35,340Total noninterest income
  • $0Fiduciary activities
  • $22,432Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12,908Additional noninterest income
  • $100,173Total noninterest expense
  • $44,115Salaries and employee benefits
  • $11,340Premises and equipment expense
  • $44,718Additional noninterest expense
  • $57,172Pre-tax net operating income
  • $218Securities gains (losses)
  • $17,755Applicable income taxes
  • $39,635Income before extraordinary items
  • $0Extraordinary gains - net
  • $39,635Net income attributable to bank
  • $0Net charge-offs
  • $39,635Cash dividends
  • $14,896Sale, conversion, retirement of capital stock, net
  • $20,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.33%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 10.08%Return on equity (ROE)
  • 4.93%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 89.03%Credit loss provision to net charge-offs
  • 4.73%Efficiency ratio
  • 58,591Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.09%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 89.01%Noncurrent assets plus other real estate owned to assets
  • 2.64%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 87.32%Net loans and leases to core deposits
  • 94.15%Equity capital to assets
  • 11.38%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 13.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $3,471,892Average earning assets
  • $393,163Average equity
  • $3,125,048Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $49,491Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $49,491Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 70 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01762Community Trust Bank, Inc.346 North Mayo Trail, Pikeville, KY 41501November 17, 1903Full Service Brick and Mortar
    1193972Pike Phelps Branch38720 State Highway 194 E, Phelps, KY 41553July 07, 1969Full Service Brick and Mortar
    2193973Pike Virgie Branch1056 Highway 610 W, Virgie, KY 41572July 07, 1969Full Service Brick and Mortar
    3193974Pike Town Mt Rd Branch105 Northgate Drive, Pikeville, KY 41501March 27, 1970Full Service Brick and Mortar
    4193975Tug Valley Branch28160 Us Highway 119, South Williamson, KY 41503March 26, 1973Full Service Brick and Mortar
    5193976Pike Weddington Plaza Branch4205 North Mayo Trail, Pikeville, KY 41501Febuary 28, 1976Full Service Brick and Mortar
    6193977Pike Marrowbone Branch10579 Regina Belcher Hwy, Elkhorn City, KY 41522March 02, 1981Full Service Brick and Mortar
    7193978Pike Main Street Branch137 Main St, Suite 4, Pikeville, KY 41501April 05, 1982Full Service Brick and Mortar
    8193979Pike Elkhorn City Branch211 Russell Street, Elkhorn City, KY 41522December 13, 1982Full Service Brick and Mortar
    9193980Pike Mouthcard Branch32 North Levisa Road, Mouthcard, KY 41548April 15, 1983Full Service Brick and Mortar
    1047213Floyd County Branch161 South Lake Drive, Prestonsburg, KY 41653August 30, 1991Full Service Brick and Mortar
    11282769Knott County Branch107 Main Street E, Hindman, KY 41822June 25, 1957Full Service Brick and Mortar
    1240339Lexington Branch100 East Vine Street, Lexington, KY 40507August 03, 1989Full Service Brick and Mortar
    13262265Lexington Beaumont Office901 Beaumont Centre Parkway, Lexington, KY 40513November 15, 1993Full Service Brick and Mortar
    17219Middlesboro Branch1918 Cumberland Avenue, Middlesboro, KY 40965Febuary 21, 1931Full Service Brick and Mortar
    18181438Middlesboro East Branch1206 E Cumberland Avenue, Middlesboro, KY 40965November 18, 1963Full Service Brick and Mortar
    21181441Middlesboro Pineville BranchU.S. Highway 25e, Pineville, KY 40977June 23, 1975Full Service Brick and Mortar
    229128Mt Sterling Branch110 N Maysville Street, Mount Sterling, KY 40353August 10, 1856Full Service Brick and Mortar
    23231792Mt Sterling North Branch196 Evans Drive, Mount Sterling, KY 40353June 13, 1977Full Service Brick and Mortar
    251769Williamsburg Branch201 North Third Street, Williamsburg, KY 40769January 01, 1904Full Service Brick and Mortar
    26194013Williamsburg Convenience Center Bran895 Hwy 25w South, Williamsburg, KY 40769Febuary 13, 1978Full Service Brick and Mortar
    27237Williamsburg London Branch1706 West Hwy 192, London, KY 40741May 11, 1884Full Service Brick and Mortar
    281727Ashland Branch1544 Winchester Avenue, Ashland, KY 41101May 24, 1888Full Service Brick and Mortar
    30193811Ashland South Branch2101 29th Street, Ashland, KY 41101December 13, 1965Full Service Brick and Mortar
    31193812Ashland Westwood Branch721 Wheatley Road, Ashland, KY 41101December 20, 1965Full Service Brick and Mortar
    32193814Ashland Summit Branch7100 Us Route 60, Ashland, KY 41102June 28, 1978Full Service Brick and Mortar
    34238Versailles Branch101 North Main Street, Versailles, KY 40383March 01, 1852Full Service Brick and Mortar
    35181477Versailles Woodford Plaza Branch480 Lexington Road, Versailles, KY 40383December 15, 1969Full Service Brick and Mortar
    369931Flemingsburg Branch36 Brookhaven Drive, Flemingsburg, KY 41041January 01, 1939Full Service Brick and Mortar
    37234797Flemingsburg Ewing Branch1527 Ewing Road, Ewing, KY 41039May 01, 1959Full Service Brick and Mortar
    38234798Flemingsburg South Ridge Branch108 Clark Street, Flemingsburg, KY 41041September 18, 1978Full Service Brick and Mortar
    4010740Whitesburg Branch155 Main Street, Whitesburg, KY 41858July 02, 1947Full Service Brick and Mortar
    41238425Whitesburg Neon Branch1001 Highway 317, Neon, KY 41840Febuary 05, 1962Full Service Brick and Mortar
    42238426Whitesburg West Branch24 Parkway Plaza Loop, Whitesburg, KY 41858July 16, 1975Full Service Brick and Mortar
    43238427Whitesburg Isom Branch56 Isom Plaza, Jeremiah, KY 41826Febuary 01, 1980Full Service Brick and Mortar
    45193984Whitesburg Jenkins Branch9505 Hwy 805, Jenkins, KY 41537July 15, 1997Full Service Brick and Mortar
    46193985Pike Wal-Mart Branch254 Cassidy Blvd, Pikeville, KY 41501October 29, 1997Full Service Retail
    47193986Ashland Russell Branch970 Diederich Blvd, Russell, KY 41169December 31, 1996Full Service Brick and Mortar
    48220814Winchester Plaza Branch125 Winchester Reservoir Rd, Winchester, KY 40391October 20, 1969Full Service Brick and Mortar
    496192Winchester Main Street Branch120 South Main Street, Winchester, KY 40391January 01, 1885Full Service Brick and Mortar
    501764Richmond Branch128 W Main Street, Richmond, KY 40475January 01, 1870Full Service Brick and Mortar
    51193994Richmond Eastern Bypass Branch860 Eastern Bypass, Richmond, KY 40475March 17, 1980Full Service Brick and Mortar
    60278638Frankfort West1205 South Highway 127, Frankfort, KY 40601May 23, 1997Full Service Brick and Mortar
    63194068Harrodsburg Branch570 Chestnut Street, Harrodsburg, KY 40330September 29, 1975Full Service Brick and Mortar
    6542921Campbellsville Branch1218 East Broadway, Campbellsville, KY 42718January 01, 1932Full Service Brick and Mortar
    66278631Campbellsville Columbia Branch710 Russell Road, Columbia, KY 42728January 01, 1932Full Service Brick and Mortar
    67278632Campbellsville Greensburg Branch205-207 South Main Street, Greensburg, KY 42743January 01, 1932Full Service Brick and Mortar
    69278634Campbellsville Jamestown Branch752 North Main Street, Jamestown, KY 42629January 01, 1932Full Service Brick and Mortar
    70278635Campbellsville First Street Branch315 East First Street, Campbellsville, KY 42718July 01, 1994Full Service Brick and Mortar
    71278636Somerset South Branch3809 South Highway 27, Somerset, KY 42501January 05, 1995Full Service Brick and Mortar
    72278637Campbellsville Lebanon Branch521 West Main Street, Lebanon, KY 40033June 30, 1996Full Service Brick and Mortar
    74189814Mt. Vernon East Main Branch120 East Main Street, Mount Vernon, KY 40456July 21, 1997Full Service Brick and Mortar
    75189815Somerset North Branch239 North Highway 27, Somerset, KY 42501July 21, 1997Full Service Brick and Mortar
    76189816Mt. Vernon Branch2134 Lake Cumberland Rd, Mount Vernon, KY 40456September 20, 1999Full Service Brick and Mortar
    77360541Berea North Branch525 Walnut Meadow Road, Berea, KY 40403January 26, 2001Full Service Brick and Mortar
    78361059Williamsburg Corbin Branch678 U.S. 25 W, Corbin, KY 40701October 17, 2000Full Service Brick and Mortar
    799172Hazard Main Street Branch655 Main Street, Hazard, KY 41702August 01, 1934Full Service Brick and Mortar
    81231923Hazard Airport Gardens Branch1665 Combs Road, Hazard, KY 41702August 01, 1985Full Service Brick and Mortar
    83231925Hazard Village Branch101 Village Lane, Hazard, KY 41701December 02, 1986Full Service Brick and Mortar
    84231926Hazard Black Gold Branch100 Citizens Lane, Hazard, KY 41702June 18, 1992Full Service Brick and Mortar
    86364651Georgetown Walmart Branch112 Osborne Way, Georgetown, KY 40324Febuary 20, 2002Full Service Retail
    87430563Frankfort East Branch427 Versailles Rd., Frankfort, KY 40601March 22, 2004Full Service Brick and Mortar
    88430564Lexington Pasadena Branch185 Pasadena Drive, Lexington, KY 40503October 06, 2003Full Service Brick and Mortar
    8957161Danville Main Street462 West Main Street, Danville, KY 40423July 17, 1997Full Service Brick and Mortar
    90290610Danville Manor Branch1560 Hustonville Road, Danville, KY 40422April 19, 1999Full Service Brick and Mortar
    91442403London North Branch38 Shiloh Drive, London, KY 40741December 20, 2004Full Service Brick and Mortar
    92442404Paintsville Wal-Mart Branch470 North Mayo Trail, Paintsville, KY 41240January 26, 2005Full Service Retail
    93453401Hamburg Branch2417 Sir Barton Way, Lexington, KY 40509April 10, 2006Full Service Brick and Mortar
    94453402Leestown Branch109 Louie Place, Lexington, KY 40511August 29, 2005Full Service Brick and Mortar
    95453403Allen Branch6424 Highway 1428, Allen, KY 41601October 03, 2005Full Service Brick and Mortar
  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    973287Lafollette Branch106 South Tennessee Avenue, La Follette, TN 37766Febuary 12, 1904Full Service Brick and Mortar
    98205669Jacksboro Branch2603 Jacksboro Pike, Jacksboro, TN 37757November 29, 1985Full Service Brick and Mortar
    99205670Norris/Clinton Branch2106 Andersonville Hwy., Clinton, TN 37716May 17, 1999Full Service Brick and Mortar
    100451712Mall Branch2205 Jacksboro Pike, La Follette, TN 37766May 08, 2006Full Service Brick and Mortar
  • 6 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5261658Tug Valley Williamson Branch101 East 2nd Avenue, Williamson, WV 25661March 13, 1998Full Service Brick and Mortar
    534543Hamlin Branch8049 Lynn Avenue, Hamlin, WV 25523June 06, 1906Full Service Brick and Mortar
    54212135Hamlin Alum Creek Branch315 Midway Road, Alum Creek, WV 25003June 18, 1984Full Service Brick and Mortar
    569758Summersville Main Branch507 Main Street, Summersville, WV 26651April 17, 1900Full Service Brick and Mortar
    57226022Hamlin Fort Gay Branch3200 Court Street, Fort Gay, WV 25514December 28, 1982Full Service Brick and Mortar
    96479076Pullman Square Branch952 Third Avenue, Huntington, WV 25701April 02, 2008Full Service Brick and Mortar

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