Community Trust Bancorp (CTBI) Investor presentation summary

Key financial metrics and competitive position

• Total assets reached $6.0 billion, with a market capitalization of $896.5 million and a cash dividend yield of 3.79%.

• Ranked 3rd largest Kentucky-domiciled bank holding company and 2nd in deposit market share among Kentucky-based FDIC institutions.

• Tangible common equity ratio stands at 11.79%.

Franchise footprint and operations

• Operates 81 locations across 36 counties in Kentucky, Tennessee, and West Virginia, including 5 trust offices.

• Regional loan and deposit balances: Central ($1.0B loans, $1.3B deposits), South Central ($962M loans, $1.1B deposits), Eastern ($1.1B loans, $2.0B deposits), Northeastern ($481M loans, $676M deposits).

• Assets under management total $3.7 billion, with annualized revenues of $21.1 million.

Financial performance and earnings

• YTD 2024 EPS increased 1.2% to $3.36; 2024 EPS goal is $4.31–$4.49.

• YTD net income rose 1.6% to $59.3M; 2024 net income goal is $77.7–$80.8M.

• YTD revenues up 5.1% to $205.6M; 2024 revenue goal is $236.8–$246.5M.

• Noninterest income increased 5.6% YTD; 2024 goal is 23.5–25.5% of total revenue.

• Net interest revenue up 4.9% YTD; net interest margin at 3.34%.