Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	299.34	274.62	230.84	169.89	160.2	160.83
Interest Income on Investments	38.82	38.82	37.81	27.86	17.97	15.62
Total Interest Income	338.17	313.44	268.65	197.74	178.17	176.44
Interest Paid on Deposits	112.85	112.52	81.17	24.07	12.75	21.18
Interest Paid on Borrowings	14.93	14.93	14.37	4.57	2.34	4.27
Total Interest Expense	127.78	127.45	95.54	28.64	15.09	25.45
Net Interest Income	210.39	186	173.11	169.1	163.08	150.99
Net Interest Income Growth (YoY)	17.24%	7.44%	2.37%	3.69%	8.01%	4.21%
Trust Income	16.31	14.92	13.03	12.39	12.64	10.93
Gain (Loss) on Sale of Investments	0.7	0.63	1	-0.17	-3.51	-1.99
Other Non-Interest Income	15.98	16.9	13.31	15.12	14.63	11.17
Total Non-Interest Income	63.17	62.57	57.66	57.92	57.11	50.8
Non-Interest Income Growth (YoY)	5.06%	8.51%	-0.44%	1.41%	12.42%	8.64%
Revenues Before Loan Losses	273.56	248.56	230.77	227.02	220.19	201.79
Provision for Loan Losses	12.12	10.95	6.81	4.91	-6.39	16.05
Revenue	261.45	237.61	223.96	222.11	226.58	185.75
Revenue Growth (YoY)	13.97%	6.09%	0.83%	-1.97%	21.98%	-0.58%
Salaries and Employee Benefits	80.39	76.07	70.34	69.42	71.46	63.68
Occupancy Expenses	8.15	7.46	6.92	8.38	8.31	7.91
Federal Deposit Insurance	2.75	2.59	2.48	1.45	1.38	1.06
Selling, General & Administrative	28.04	26.27	24.59	21.12	19.36	20.13
Other Non-Interest Expense	19.82	17.29	20.18	19.7	13.67	19.33
Total Non-Interest Expense	140.38	130.92	125.39	121.07	115.93	115.48
EBT Excluding Unusual Items	121.06	106.69	98.57	101.04	110.64	70.27
Pretax Income	121.06	106.69	98.57	101.04	110.64	70.27
Income Tax Expense	27.79	23.87	20.56	19.23	22.7	10.76
Net Income	93.28	82.81	78	81.81	87.94	59.5
Net Income to Common	93.28	82.81	78	81.81	87.94	59.5
Net Income Growth	18.10%	6.17%	-4.66%	-6.97%	47.79%	-7.80%
Basic Shares Outstanding	18	18	18	18	18	18
Diluted Shares Outstanding	18	18	18	18	18	18
Shares Change (YoY)	0.43%	0.43%	0.27%	0.26%	0.27%	0.09%
EPS (Basic)	5.18	4.61	4.36	4.59	4.94	3.35
EPS (Diluted)	5.17	4.61	4.36	4.58	4.94	3.35
EPS Growth	17.48%	5.73%	-4.80%	-7.29%	47.46%	-7.97%
Dividend Per Share	1.940	1.860	1.800	1.680	1.570	1.530
Dividend Growth	4.87%	3.33%	7.14%	7.01%	2.61%	3.38%
Effective Tax Rate	22.95%	22.38%	20.86%	19.03%	20.52%	15.32%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q