Financial insights of CTBI

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$33,415K
EPS
$1.32
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans, including loans held for sale	77,707	75,828
Taxable	5,762	5,709
Tax exempt	610	613
Interest and dividends on federal reserve bank and federal home loan bank stock	190	181
Interest on federal reserve bank deposits	4,194	3,142
Other, including interest on federal funds sold	99	98
Total interest income	88,562	85,571
Interest on deposits	29,385	28,170
Interest on repurchase agreements and federal funds purchased	2,621	2,352
Interest on advances from federal home loan bank	0	13
Interest on long-term debt	1,002	996
Total interest expense	33,008	31,531
Net interest income	55,554	54,040
Provision for credit losses	3,866	2,094
Net interest income after provision for credit losses	51,688	51,946
Deposit related fees	8,131	7,350
Gains on sales of loans, net	89	77
Trust and wealth management income	4,277	4,092
Loan related fees	897	1,249
Bank owned life insurance revenue	1,144	1,102
Brokerage revenue	588	526
Securities gains (losses)	-449	150
Other noninterest income	1,269	1,625
Total noninterest income	15,946	16,171
Officer salaries and employee benefits	4,337	5,610
Other salaries and employee benefits	17,437	16,044
Occupancy, net	2,468	2,389
Equipment	793	783
Data processing	3,575	3,326
Taxes other than property and payroll	564	573
Legal fees	378	319
Professional fees	667	682
Advertising and marketing	953	765
Fdic insurance	703	688
Other real estate owned provision and expense	-99	-64
Repossession expense	691	264
Other noninterest expense	4,079	4,156
Total noninterest expense	36,744	35,663
Income before income taxes	30,890	32,454
Income taxes	6,979	7,555
Net income	23,911	24,899
Unrealized holding gains arising during the period	12,665	7,258
Less reclassification adjustments for realized gains included in net income	0	1
Tax expense	3,161	1,809
Other comprehensive gain, net of tax	9,504	5,448
Comprehensive income	33,415	30,347

Basic EPS	1.33	1.38
Diluted EPS	1.32	1.38
Basic Average Shares	18,019,000	18,012,000
Diluted Average Shares	18,053,000	18,036,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$33,415K
EPS
$1.32
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$33,415K
EPS
$1.32
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$33,415KEPS$1.32Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$33,415KEPS$1.32Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$33,415K
EPS
$1.32
Unit: Thousand (K) dollars

Net Income
$33,415K
EPS
$1.32
Unit: Thousand (K) dollars