Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	345.72	274.62	230.84	169.89	160.2
Interest Income on Investments	-	38.82	37.81	27.86	17.97
Total Interest Income	345.72	313.44	268.65	197.74	178.17
Interest Paid on Deposits	126.74	112.52	81.17	24.07	12.75
Interest Paid on Borrowings	-	14.93	14.37	4.57	2.34
Total Interest Expense	126.74	127.45	95.54	28.64	15.09
Net Interest Income	218.98	186	173.11	169.1	163.08
Net Interest Income Growth (YoY)	17.73%	7.44%	2.37%	3.69%	8.01%
Trust Income	16.77	14.92	13.03	12.39	12.64
Gain (Loss) on Sale of Investments	0.38	0.63	1	-0.17	-3.51
Other Non-Interest Income	16.31	16.9	13.31	15.12	14.63
Total Non-Interest Income	63.62	62.57	57.66	57.92	57.11
Non-Interest Income Growth (YoY)	1.68%	8.51%	-0.44%	1.41%	12.42%
Revenues Before Loan Losses	282.6	248.56	230.77	227.02	220.19
Provision for Loan Losses	12.44	10.95	6.81	4.91	-6.39
Revenue	270.16	237.61	223.96	222.11	226.58
Revenue Growth (YoY)	13.70%	6.09%	0.83%	-1.97%	21.98%
Salaries and Employee Benefits	85.48	76.07	70.34	69.42	71.46
Occupancy Expenses	13.25	7.46	6.92	8.38	8.31
Federal Deposit Insurance	2.83	2.59	2.48	1.45	1.38
Selling, General & Administrative	15.8	26.27	24.59	21.12	19.36
Other Non-Interest Expense	25.71	17.29	20.18	19.7	13.67
Total Non-Interest Expense	143.07	130.92	125.39	121.07	115.93
EBT Excluding Unusual Items	127.09	106.69	98.57	101.04	110.64
Pretax Income	127.09	106.69	98.57	101.04	110.64
Income Tax Expense	29.03	23.87	20.56	19.23	22.7
Net Income	98.06	82.81	78	81.81	87.94
Net Income to Common	98.06	82.81	78	81.81	87.94
Net Income Growth	18.41%	6.17%	-4.66%	-6.97%	47.79%
Basic Shares Outstanding	18	18	18	18	18
Diluted Shares Outstanding	18	18	18	18	18
Shares Change (YoY)	0.37%	0.43%	0.27%	0.26%	0.27%
EPS (Basic)	5.44	4.61	4.36	4.59	4.94
EPS (Diluted)	5.43	4.61	4.36	4.58	4.94
EPS Growth	17.79%	5.73%	-4.80%	-7.29%	47.46%
Dividend Per Share	2.000	1.860	1.800	1.680	1.570
Dividend Growth	7.53%	3.33%	7.14%	7.01%	2.61%
Effective Tax Rate	22.84%	22.38%	20.86%	19.03%	20.52%

Updated Jan 21, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q