Peer Analysis

Performance Ratios (%) CTBI Peer Median Peer Average
ROAA 1.21 1.07 1.10
ROAE 9.58 8.93 9.32
Net Interest Margin 3.70 3.59 3.67
Efficiency Ratio 58.45 60.78 59.66
Loans / Deposits 95.36 92.23 93.23
Asset Quality Ratios (%)
NPAs / Assets 2.73 0.55 0.77
NCOs / Avg Loans 0.28 0.12 0.11
Reserves / Loans 1.22 0.97 0.99
Reserves / NPAs 33.51 107.25 128.52
Capital Ratios (%)
Tier 1 Capital 17.25 12.46 12.84
Tangible Equity / Tangible Assets 11.25 9.29 9.57
Total Equity / Total Assets 12.73 11.88 12.00
Market Ratios
Price / Earnings (x) 17.21 20.79 20.97
Price / Book (%) 163.66 186.79 190.04
Dividend Yield (%) 2.75 1.83 1.94
Data for trailing four quarters

Community Trust Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), City Holding Company (CHCO), First Bancorp (FBNC), First Busey Corporation (BUSE), First Community Bancshares, Inc. (FCBC), First Financial Bancorp. (FFBC), First Financial Corporation (THFF), First Merchants Corporation (FRME), Lakeland Financial Corporation (LKFN), MainSource Financial Group, Inc. (MSFG), Renasant Corporation (RNST), Stock Yards Bancorp, Inc. (SYBT), TowneBank (TOWN), Union Bankshares Corporation (UBSH), WesBanco, Inc. (WSBC)

Community Trust Bancorp, Inc.'s financial data is as of 12/31/2016.

Peer financial data is as of 12/31/2016