Community Trust Bancorp, Inc. (CTBI) is a bank holding company. As of December 31, 2008, CTBI owned all the capital stock of one commercial bank and one trust company, serving small and mid-sized communities in eastern, northeastern, central, and south central Kentucky and southern West Virginia. The commercial bank is Community Trust Bank, Inc., Pikeville, Kentucky (the Bank) and the trust company is Community Trust and Investment Company, Lexington, Kentucky (the Trust Company). Through its subsidiaries, the Company engages in a range of commercial and personal banking and trust activities, which include accepting time and demand deposits; making secured and unsecured loans to corporations, individuals and others; providing cash management services to corporate and individual customers; issuing letters of credit; renting safe deposit boxes, and providing funds transfer services. (Source: 10-K)