community trust bancorp, inc. operates as a holding company for community trust bank, inc., which offers commercial and personal banking and trust services for small and mid-sized communities in kentucky and west virginia. it offers time and demand deposits, checking accounts, negotiable order of withdrawal accounts, money market accounts, individual retirement accounts and keogh plans, regular and term savings accounts, and certificates of deposit. the company’s loan portfolio comprises commercial loans, construction loans, secured and unsecured loans, mortgage loans, personal loans, residential and commercial real estate loans, lease-financing, lines of credit, revolving lines of credit, term loans, and asset-based financing. it also offers debit cards, cash management services, annuity and life insurance products, letters of credit, safe deposit boxes, and funds transfer services. in addition, the company, through its subsidiaries, operates as a trustee of personal trusts; as an exe