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Community Trust Bank

Irvington, IL · Cert 13380

FDIC · 3 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Trust Bank

Irvington, IL · Cert 13380

FDIC · 3 branches

Q4 2022

$107.4MAssets
$37.6MLoans
$97.2MDeposits
$9.4MEquity
Loan mix
65%RE $20.5M19%C&I $6.0M15%Consumer $4.8MQ4 2021Q4 2022
Deposit mix
66%Interest-bearing $64.1M34%Noninterest $33.2MQ4 2021Q4 2022

NIM

3.35%Q4 ’202.61%Q4 ’212.84%Q4 ’22-21%+8%

Non-interest income vs. expense

2.84%Q4 ’202.53%Q4 ’212.45%Q4 ’22-10%-4%

Executive Summary

  • Earnings: ROA of 0.63%, up 6 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.09% of loans (-21 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 12.16%, up 93 bps from a year ago.
  • Funding: loans stand at 38.62% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.63%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+20 bps YoY

Efficiency Ratio (YTD, annualized)

76.88%-788 bps YoY

Tier 1 Leverage Ratio

12.16%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.57%0.42%0.55%0.58%0.63%+6 bps
Return on Equity4.65%4.09%5.60%6.03%6.64%+199 bps
Net Interest Margin2.46%2.26%2.33%2.60%2.65%+20 bps
Efficiency Ratio84.75%81.94%80.19%78.92%76.88%-788 bps
Non-Interest Burden2.00%1.76%1.76%1.93%1.92%-8 bps
Growth
Asset Growth (YoY)18.91%10.67%3.21%4.31%-6.68%-2,559 bps
Loan Growth (YoY)3.62%3.62%1.96%5.66%-6.24%-986 bps
Deposit Growth (YoY)27.43%14.55%7.46%9.51%-4.95%-3,238 bps
Asset Quality
Nonperforming Loans / Loans0.30%2.03%0.30%0.23%0.09%-21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.19%0.14%+15 bps
Allowance / Loans1.35%1.41%1.48%1.44%1.49%+14 bps
Allowance Coverage of NPLs4.5x0.7x4.9x6.1x16.4x+11.9x
Capital
Tier 1 Leverage Ratio11.23%10.73%10.97%12.11%12.16%+93 bps
Total Risk-Based Capital20.91%21.85%22.33%22.73%22.64%+173 bps
Equity / Assets10.42%10.10%9.01%8.91%8.75%-166 bps
Liquidity & Funding
Loans / Deposits39.15%41.94%41.64%41.14%38.62%-53 bps
Liquid Assets / Assets4.35%5.66%13.81%10.20%13.37%+903 bps
CRE / Total Capitaln/an/an/an/an/an/an/a