---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-22-000063"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2022-07-20T23:59:59+00:00"
generated_at: "2026-06-24T11:42:48.206596+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000350852-22-000063
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2022-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085222000063/0000350852-22-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085222000063/ctbi0622er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-22-000063
- JSON: https://secwatch.observer/filing/0000350852-22-000063.json
- Plain text: https://secwatch.observer/filing/0000350852-22-000063.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.