Community Trust Bancorp, Inc. (CTBI)

Community Trust Bancorp Cash Flow 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
Net Income	91.51	82.81	78	81.81	87.94	59.5
Depreciation & Amortization	5.4	5	5.35	5.22	5.03	5.35
Gain (Loss) on Sale of Assets	-0.05	0	-0.2	-0.07	0.7	0.39
Gain (Loss) on Sale of Investments	1.16	1.93	1.66	5.63	8.17	4.14
Total Asset Writedown	-	-	-	-	-	1.45
Provision for Credit Losses	10.99	10.95	6.81	4.91	-6.39	16.05
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.28	0.26	0.35	4.05	27.45	-14.87
Accrued Interest Receivable	-0.01	-1.18	-3.98	-4.18	0.4	-0.98
Change in Other Net Operating Assets	4.59	9.95	-6.19	3.12	2.53	5.99
Other Operating Activities	-6.55	-6.61	-2.41	-1.87	-3.94	-6.77
Operating Cash Flow	111.53	105.17	85.73	99.68	115.7	62.38
Operating Cash Flow Growth	22.21%	22.68%	-14.00%	-13.84%	85.47%	-25.26%
Capital Expenditures	-8.81	-8.08	-6.32	-6.22	-2.37	-1.48
Sale of Property, Plant and Equipment	0.07	0.07	0.38	0.62	0.83	0
Investment in Securities	128.1	112.04	126.71	25.68	-491	-388.97
Net Decrease (Increase) in Loans Originated / Sold - Investing	-449.99	-444.06	-344.22	-302.47	146.05	-306.52
Other Investing Activities	-11.85	4.36	-3.14	2.38	-12.12	3.45
Investing Cash Flow	-342.47	-335.67	-226.6	-280.01	-358.62	-693.53
Short-Term Debt Issued	-	14.92	9.81	-	-	121.54
Long-Term Debt Issued	-	100	231.56	45	-	25
Total Debt Issued	112.59	114.92	241.38	45	-	146.54
Short-Term Debt Repaid	-	-	-	-55.66	-84.77	-
Long-Term Debt Repaid	-	-100.25	-225.22	-45.04	-0.04	-25.04
Total Debt Repaid	-115.34	-100.25	-225.22	-100.7	-84.81	-25.04
Net Debt Issued (Repaid)	-2.75	14.68	16.16	-55.7	-84.81	121.5
Issuance of Common Stock	1.93	1.77	1.13	1.04	0.97	0.93
Repurchase of Common Stock	-	-	-	-	-	-1.1
Common Dividends Paid	-33.82	-33.41	-32.19	-29.94	-27.92	-27.14
Net Increase (Decrease) in Deposit Accounts	499.21	345.57	298.48	81.85	328.21	610.51
Financing Cash Flow	464.57	328.61	283.58	-2.75	216.45	704.7
Net Cash Flow	233.63	98.11	142.71	-183.07	-26.48	73.55
Free Cash Flow	102.72	97.09	79.41	93.47	113.32	60.9
Free Cash Flow Growth	23.29%	22.27%	-15.04%	-17.52%	86.09%	-24.71%
Free Cash Flow Margin	40.47%	40.86%	35.46%	42.08%	50.02%	32.78%
Free Cash Flow Per Share	5.70	5.40	4.44	5.24	6.37	3.43
Cash Interest Paid	124.51	126.46	90.39	27.42	15.32	27.05
Cash Income Tax Paid	24.15	20.61	20.73	16.29	19.49	13.28

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

SEC Filings: 10-K · 10-Q