For the quarter ending 2025-09-30, CTBI had $112,334K increase in cash & cash equivalents over the period. $36,350K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 23,911 | 46,871 |
| Depreciation and amortization | 1,076 | 1,983 |
| Amortization of operating lease right-of-use assets | 350 | 835 |
| Deferred tax expense (benefit) | -989 | -754 |
| Stock-based compensation | 399 | 947 |
| Provision for credit losses | 3,866 | 5,662 |
| Write-downs of other real estate owned and other repossessed assets | 40 | 36 |
| Gains on sale of mortgage loans held for sale | 89 | 124 |
| Securities gains | 0 | 1 |
| Fair value adjustments in equity securities | -449 | 629 |
| Gains on sale of assets, net | 7 | 111 |
| Proceeds from sale of mortgage loans held for sale | 3,286 | 4,582 |
| Funding of mortgage loans held for sale | 3,370 | 4,669 |
| Amortization of securities premiums and discounts, net | -641 | -1,219 |
| Change in cash surrender value of bank owned life insurance | -808 | -1,454 |
| Payment of operating lease liabilities | 330 | 824 |
| Interest expense on finance lease liabilities | 51 | 81 |
| Fair value adjustments in mortgage servicing rights | 257 | 311 |
| Accrued interest receivable | 677 | -303 |
| Other assets | 131 | 1,567 |
| Accrued interest payable | 4,059 | 6,753 |
| Other liabilities | 5,554 | -6,937 |
| Net cash provided by operating activities | 37,538 | 52,513 |
| Purchase of afs securities | 80,069 | 52,375 |
| Proceeds from sales of afs securities | 0 | 0 |
| Proceeds from prepayments, calls, and maturities of afs securities | 49,117 | 135,548 |
| Change in loans, net | 95,087 | 219,569 |
| Purchase of premises and equipment | 1,188 | 4,437 |
| Proceeds from sale and retirement of premises and equipment | 21 | - |
| Purchase of federal home loan bank stock | 184 | 4,491 |
| Redemption of federal home loan bank stock | 4,676 | - |
| Proceeds from sale of other real estate owned and repossessed assets | 185 | 375 |
| Additional investment in other real estate owned and repossessed assets | 0 | 0 |
| Additional investment in bank owned life insurance | 5,568 | 13,548 |
| Liquidation of cash surrender value of bank owned life insurance | 0 | 438 |
| Proceeds from settlement of bank owned life insurance | 0 | 0 |
| Net cash used in investing activities | -128,097 | -158,059 |
| Change in deposits, net | 152,453 | 162,819 |
| Change in repurchase agreements and federal funds purchased, net | 59,788 | -15,091 |
| Proceeds from federal home loan bank advances | 0 | 100,000 |
| Payments on advances from federal home loan bank | 6 | 100,010 |
| Payment of finance lease liabilities | 49 | 79 |
| Repayment of long-term debt/other borrowings | 58 | 115 |
| Issuance of common stock | 289 | 732 |
| Dividends paid | 9,524 | 16,925 |
| Net cash provided by financing activities | 202,893 | 131,331 |
| Net increase (decrease) in cash and cash equivalents | 112,334 | 25,785 |
| Cash and cash equivalents at beginning of period | 369,505 | - |
| Cash and cash equivalents at end of period | 507,624 | - |
COMMUNITY TRUST BANCORP INC KY (CTBI)
COMMUNITY TRUST BANCORP INC KY (CTBI)