CTBI Q2 2022: EPS $1.14 (down 15% YoY); net income $20.3M; NIM 3.20%; loan growth 4.9%

COMMUNITY TRUST BANCORP INC /KY/

2022-Q2 EPS reported $2.24

Net income $20.3M ($1.14 diluted EPS) vs $23.9M ($1.35) in Q2 2021, down 15.1%.
Net interest income $40.8M, up $0.8M QoQ and YoY; net interest margin 3.20%, up 9bps YoY.
Noninterest income $14.5M, down 6.6% YoY due to lower gains on loan sales.
Provision for credit losses $0.1M vs recovery of $4.3M in Q2 2021; net charge-offs <0.01% of loans.
Shareholders' equity down $21.3M (annualized 13.1%) from $34.9M increase in AOCI loss on securities.

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