For the quarter ending 2025-09-30, CTBI made $187,176K in revenue. $33,415K in net income. Net profit margin of 17.85%.
| 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 | ||
| Adjusted weighted average shares (in shares) | 18,053,000 | 18,036,000 | ||
| Basic earnings per share (in dollars per share) | 1.33 | 1.38 | ||
| Diluted earnings per share (in dollars per share) | 1.32 | 1.38 | ||
| Weighted average shares (in shares) | 18,019,000 | 18,012,000 | ||
COMMUNITY TRUST BANCORP INC KY (CTBI)
COMMUNITY TRUST BANCORP INC KY (CTBI)