---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-22-000073"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2022-10-19T23:59:59+00:00"
generated_at: "2026-06-23T02:46:30.675004+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000350852-22-000073
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2022-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085222000073/0000350852-22-000073-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085222000073/ctbi0922er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-22-000073
- JSON: https://secwatch.observer/filing/0000350852-22-000073.json
- Plain text: https://secwatch.observer/filing/0000350852-22-000073.txt

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