| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 70,782 | 46,871 |
| Depreciation and amortization | 3,059 | 1,983 |
| Amortization of operating lease right-of-use assets | 1,185 | 835 |
| Deferred tax expense (benefit) | -1,743 | -754 |
| Stock-based compensation | 1,346 | 947 |
| Provision for credit losses | 9,528 | 5,662 |
| Write-downs of other real estate owned and other repossessed assets | 76 | 36 |
| Gains on sale of mortgage loans held for sale | 213 | 124 |
| Securities gains | 1 | 1 |
| Fair value adjustments in equity securities | 180 | 629 |
| Gains on sale of assets, net | 118 | 111 |
| Proceeds from sale of mortgage loans held for sale | 7,868 | 4,582 |
| Funding of mortgage loans held for sale | 8,039 | 4,669 |
| Amortization of securities premiums and discounts, net | -1,860 | -1,219 |
| Change in cash surrender value of bank owned life insurance | -2,262 | -1,454 |
| Payment of operating lease liabilities | 1,154 | 824 |
| Interest expense on finance lease liabilities | 132 | 81 |
| Fair value adjustments in mortgage servicing rights | 568 | 311 |
| Accrued interest receivable | 374 | -303 |
| Other assets | 1,698 | 1,567 |
| Accrued interest payable | 10,812 | 6,753 |
| Other liabilities | -1,383 | -6,937 |
| Net cash provided by operating activities | 90,051 | 52,513 |
| Purchase of afs securities | 132,444 | 52,375 |
| Proceeds from sales of afs securities | 0 | 0 |
| Proceeds from prepayments, calls, and maturities of afs securities | 184,665 | 135,548 |
| Change in loans, net | 314,656 | 219,569 |
| Purchase of premises and equipment | 5,625 | 4,437 |
| Proceeds from sale and retirement of premises and equipment | 21 | - |
| Purchase of federal home loan bank stock | 4,675 | 4,491 |
| Redemption of federal home loan bank stock | 4,676 | - |
| Proceeds from sale of other real estate owned and repossessed assets | 560 | 375 |
| Additional investment in other real estate owned and repossessed assets | 0 | 0 |
| Additional investment in bank owned life insurance | 19,116 | 13,548 |
| Liquidation of cash surrender value of bank owned life insurance | 438 | 438 |
| Proceeds from settlement of bank owned life insurance | 0 | 0 |
| Net cash used in investing activities | -286,156 | -158,059 |
| Change in deposits, net | 315,272 | 162,819 |
| Change in repurchase agreements and federal funds purchased, net | 44,697 | -15,091 |
| Proceeds from federal home loan bank advances | 100,000 | 100,000 |
| Payments on advances from federal home loan bank | 100,016 | 100,010 |
| Payment of finance lease liabilities | 128 | 79 |
| Repayment of long-term debt/other borrowings | 173 | 115 |
| Issuance of common stock | 1,021 | 732 |
| Dividends paid | 26,449 | 16,925 |
| Net cash provided by financing activities | 334,224 | 131,331 |
| Net increase (decrease) in cash and cash equivalents | 138,119 | 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)