Community Trust Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Community Trust Bank has a long heritage of being a family owned independent financial institution for much of its history. Community Trust has been through numerous expansions after the move to Irvington in 1966. The building in Irvington was expanded once in the early 80's. In 1981, the board and management decided to expand their operations to include the Centralia area by putting a branch facility on the east side of town and an ATM facility on the west side of town. This facility was again expanded by doubling its space and adding a basement in the fall of 1994 enabling the data processing operations to be moved in the fall of 1996. Wanting to expand its market and continue to grow, the Board of Directors decided to expand with a branch facility in the Nashville, Illinois area. This branch officially opened on April 1, 1999.

Centralia Branch
1425 E. McCord Street
Centralia, IL 62801
Telephone: (618) 533-0527
Fax: (618) 533-5649

Nashville Branch
17872 Exchange Ave.
Nashville, IL 62263
Telephone: (618) 327-4400
Fax: (618) 327-8677

Irvington Branch
107 S. 2nd St.
Irvington, IL 62848
Telephone:
(618) 249-6218
(618) 532-0648
Fax: (618) 249-8358