CTIC Management & Administrative Team

Headshot of Andy Waters in a grey suit.  Building in background with golden yellow trees.
Andy D. Waters, CTFA®
President and CEO

Andy began his career with Community Trust and Investment Company (CTIC) in 2004 and was named President and CEO in 2011.  Andy has worked in the administration of trusts, IRAs and estates since 1987. As President and CEO, he is responsible for the oversight and direction of CTIC, serves as a Board Member for CTIC and is an Executive Vice President for Community Trust Bancorp, Inc., the holding company of the trust subsidiary. Prior to joining CTIC, Andy was Vice President at First Citizens Bank in Raleigh, NC where he was employed for nearly 17 years. Andy has been a Certified Trust and Financial Advisor (CTFA) since 1997. He graduated Summa Cum Laude, B.B.A., in Trust Management from Campbell University in 1987.
Andy is active in the community and currently serves on the Development Committee and Leadership Council at Trinity Christian Academy. He is a former Board Member and Board Chairman of Trinity Christian Academy and is also a member of the Midwest Midsouth Estate Planning Institute Planning Committee for the University of Kentucky Continuing Legal Education. Andy serves on the Finance Committee and as an Elder at Tates Creek Presbyterian Church. He is a member of the Board (past Chairman) of the Trust Education Foundation, which is affiliated with Campbell University, and currently serves as Chairman of the Investment Committee.  Andy is also a member and former President of the Bluegrass Estate Planning Council.
Andy is a native of Jacksonville, NC and moved to Lexington, KY in 2004. He is married and has five children.
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Headshot of Mary Donna Broz in a black suit jacket.  Faint in the background is a grey brick wall.
Mary Donna Broz
Executive Administrative Assistant

Mary Donna joined the CTIC family in 2008. She is a native Kentuckian and graduated from the University of Kentucky with a B.A. in English.
Mary Donna has a long history as a community leader and volunteer in Lexington and Southern California with cultural and charitable organizations. She has served on many community boards including Central Kentucky Youth Orchestra, Lexington Arts and Cultural Council, The Lexington Singers, Baby Health Service, Inc., and the Blue Grass Charity Ball. Mary Donna is past President of the Junior League of Lexington and past Fundraiser Program Chairman for Children’s Hospital of Los Angeles.
Mary Donna is an avid supporter of the arts in Lexington and performs with The Lexington Singers, Lexington Chamber Chorale, and previously with the University of Kentucky Opera Theatre's Grand Night for Singing and the San Fernando Valley Master Chorale.
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Headshot of Rhonda Hensley, Administrative Assistant.
Rhonda Hensley
Administrative Assistant


Rhonda joined Community Trust and Investment Company in 2017, transferring from the Lexington Richmond Road Branch of Community Trust Bank, where she was Head Teller. Aside from banking, Rhonda also has experience in real estate, accounting, and administrative work. She earned her Bachelor’s of Business Administration degree from Eastern Kentucky University.

Rhonda is originally from Pikeville, KY and currently resides in Lexington. She enjoys spending time with her family, traveling, reading, and outdoor activities.

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