CTBI Q3 2022 EPS $1.09 vs $1.19 YoY; provision rises sharply; equity falls on unrealized losses

COMMUNITY TRUST BANCORP INC /KY/

2022-Q3 EPS reported $3.33

Net income $19.4M ($1.09/sh) vs $21.1M ($1.19/sh) in Q3 2021; YTD net income $59.4M ($3.33/sh) down 13.6%.
Net interest income $43.5M (+3.6% YoY); NIM 3.36% up 13 bps YoY; provision for credit losses $2.4M vs $0.1M prior Q.
Loans grew $232.4M (6.8%) YoY; deposits up $176.9M (3.9%); noninterest income flat at $14.7M.
Shareholders' equity declined $89.1M (12.9%) YoY due to unrealized securities losses; dividend increased to $0.44/sh.
Noninterest expense $31.5M included $1.4M accrual for customer refunds of re-presented returned item fees.

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