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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	290.59	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	329.42	313.44	268.65	197.74	178.17	176.44
Interest Paid on Deposits	112.45	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	127.39	127.45	95.54	28.64	15.09	25.45
Net Interest Income	202.03	186	173.11	169.1	163.08	150.99
Net Interest Income Growth (YoY)	15.20%	7.44%	2.37%	3.69%	8.01%	4.21%
Trust Income	15.74	14.92	13.03	12.39	12.64	10.93
Gain (Loss) on Sale of Investments	1.36	0.63	1	-0.17	-3.51	-1.99
Other Non-Interest Income	15.76	16.9	13.31	15.12	14.63	11.17
Total Non-Interest Income	62.79	62.57	57.66	57.92	57.11	50.8
Non-Interest Income Growth (YoY)	4.54%	8.51%	-0.44%	1.41%	12.42%	8.64%
Revenues Before Loan Losses	264.82	248.56	230.77	227.02	220.19	201.79
Provision for Loan Losses	10.99	10.95	6.81	4.91	-6.39	16.05
Revenue	253.84	237.61	223.96	222.11	226.58	185.75
Revenue Growth (YoY)	12.25%	6.09%	0.83%	-1.97%	21.98%	-0.58%
Salaries and Employee Benefits	78.13	76.07	70.34	69.42	71.46	63.68
Occupancy Expenses	7.96	7.46	6.92	8.38	8.31	7.91
Federal Deposit Insurance	2.68	2.59	2.48	1.45	1.38	1.06
Selling, General & Administrative	27.27	26.27	24.59	21.12	19.36	20.13
Other Non-Interest Expense	18.88	17.29	20.18	19.7	13.67	19.33
Total Non-Interest Expense	136.15	130.92	125.39	121.07	115.93	115.48
EBT Excluding Unusual Items	117.69	106.69	98.57	101.04	110.64	70.27
Pretax Income	117.69	106.69	98.57	101.04	110.64	70.27
Income Tax Expense	26.18	23.87	20.56	19.23	22.7	10.76
Net Income	91.51	82.81	78	81.81	87.94	59.5
Net Income to Common	91.51	82.81	78	81.81	87.94	59.5
Net Income Growth	18.13%	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)	0.46%	0.43%	0.27%	0.26%	0.27%	0.09%
EPS (Basic)	5.09	4.61	4.36	4.59	4.94	3.35
EPS (Diluted)	5.08	4.61	4.36	4.58	4.94	3.35
EPS Growth	17.47%	5.73%	-4.80%	-7.29%	47.46%	-7.97%
Dividend Per Share	1.880	1.860	1.800	1.680	1.570	1.530
Dividend Growth	2.17%	3.33%	7.14%	7.01%	2.61%	3.38%
Effective Tax Rate	22.25%	22.38%	20.86%	19.03%	20.52%	15.32%

Updated Jul 16, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q