Peer Analysis

Performance Ratios (%) CTBI Peer Median Peer Average
ROAA 1.35 1.29 1.21
ROAE 10.54 9.67 9.88
Net Interest Margin 3.64 3.68 3.82
Efficiency Ratio 56.32 57.60 56.87
Loans / Deposits 95.76 92.21 93.31
Asset Quality Ratios (%)
NPAs / Assets 2.42 0.61 0.70
NCOs / Avg Loans 0.25 0.09 0.09
Reserves / Loans 1.13 0.93 0.95
Reserves / NPAs 35.08 108.63 138.25
Capital Ratios (%)
Tier 1 Capital 17.67 12.79 13.22
Tangible Equity / Tangible Assets 11.51 9.90 10.09
Total Equity / Total Assets 12.89 12.39 12.27
Market Ratios
Price / Earnings (x) 14.62 18.66 21.94
Price / Book (%) 151.53 169.26 184.28
Dividend Yield (%) 3.11 2.19 2.15
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 Corporation (THFF), First Merchants Corporation (FRME), German American Bancorp, Inc. (GABC), HomeTrust Bancshares, Inc. (HTBI), Lakeland Financial Corporation (LKFN), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), State Bank Financial Corporation (STBZ), Stock Yards Bancorp, Inc. (SYBT), TowneBank (TOWN)

Community Trust Bancorp, Inc.'s financial data is as of 6/30/2018.

Peer financial data is as of 6/30/2018