<SEC-DOCUMENT>0000350852-13-000101.txt : 20131115
<SEC-HEADER>0000350852-13-000101.hdr.sgml : 20131115
<ACCEPTANCE-DATETIME>20131115161525
ACCESSION NUMBER:		0000350852-13-000101
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20131114
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20131115
DATE AS OF CHANGE:		20131115

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY TRUST BANCORP INC /KY/
		CENTRAL INDEX KEY:			0000350852
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				610979818
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31220
		FILM NUMBER:		131224108

	BUSINESS ADDRESS:	
		STREET 1:		346 NORTH MAYO TRAIL
		STREET 2:		P.O. BOX 2947
		CITY:			PIKEVILLE
		STATE:			KY
		ZIP:			41502-2947
		BUSINESS PHONE:		(606)433-4643

	MAIL ADDRESS:	
		STREET 1:		346 NORTH MAYO TRAIL
		STREET 2:		P.O. BOX 2947
		CITY:			PIKEVILLE
		STATE:			KY
		ZIP:			41502-2947

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY TRUST BANCORP INC/
		DATE OF NAME CHANGE:	19971124
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<FILENAME>ctbi8kfrbmatter2-8k.htm
<DESCRIPTION>CTBI FEDERAL RESERVE MATTER (2) 8-K
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 12pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">November 14, 2013</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item 8.01 &#8211; Other Events</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>From time to time,&#160;Community Trust Bancorp, Inc. (&#8220;CTBI&#8221;)&#160;and/or its affiliates may be involved in information requests, reviews, investigations, and proceedings (both formal and informal) by various governmental agencies and law enforcement authorities regarding their respective businesses.&#160; Any of these matters may result in material adverse consequences to CTBI and its affiliates, including adverse judgments, findings, limitations on merger, and acquisition activity, settlements, fines, penalties, orders, injunctions, and other actions.&#160;&#160;Such adverse consequences may be material to the financial position of CTBI or its results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>On November 14, 2013, the Federal Reserve Bank of Cleveland informed&#160;Community Trust Bank (&#8220;CTB&#8221;)&#160;that the Federal Reserve had completed its investigation of CTB&#8217;s process for assessing overdraft fees and determined that certain aspects of the process violate Section 5(a) of the Federal Trade Commission Act which prohibits unfair and deceptive practices. The Federal Reserve&#8217;s determination is expected to result in one or more of the above-described material consequences.&#160; The Federal Reserve stated that CTB will be required to modify its process for assessing overdraft fees, revise its disclosures concerning overdraft practices and provide restitution to accountholders charged certain fees from June 28, 2010 to the date CTB&#8217;s methodology is revised.&#160;&#160;CTBI expects to recognize an accrual against earnings with respect to this matter in the fourth quarter of 2013, but cannot reasonably estimate the amount of such accrual until relevant account data can be gathered and additional information is received from the Federal Reserve.</font></div>

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<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></div>

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<td colspan="2" valign="top" width="38%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">COMMUNITY TRUST BANCORP, INC.</font></font></td>
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<td align="left" nowrap valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">/s/&#160;Jean R. Hale</font></td>
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<td align="left" nowrap valign="bottom" width="35%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Jean R. Hale</font></td>
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<td valign="top" width="35%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Chairman, President, and Chief Executive Officer</font></td>
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