---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-23-000019"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2023-01-18T23:59:59+00:00"
generated_at: "2026-06-20T14:17:52.329587+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Community Trust Bancorp Q4 2022 EPS $1.26, up 16.7% YoY; loan book grows 8.8% to $3.7B

## Summary
- Net income $22.4M ($1.26 diluted EPS) in Q4 2022 vs $19.2M ($1.08) in Q4 2021.
- Net interest margin (tax-equivalent) 3.51%, up 34 bps YoY; net interest income $44.7M.
- Loan portfolio grew $300.5M (+8.8%) YoY to $3.71B; deposits up 0.6% to $4.64B.
- Provision for credit losses $1.5M in Q4 vs $2.4M in Q3; nonperforming loans $15.3M.
- Shareholders' equity $628M, down $70.2M YoY due to $129.2M unrealized securities losses.

## SEC filing metadata
- accession: 0000350852-23-000019
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2023-01-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/350852/000035085223000019/0000350852-23-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085223000019/ctbi1222er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-23-000019
- JSON: https://secwatch.observer/filing/0000350852-23-000019.json
- Plain text: https://secwatch.observer/filing/0000350852-23-000019.txt

## Key facts
- Earnings Releases
  COMMUNITY TRUST BANCORP INC /KY/ reported the quarter and year ended December 31, 2022 results: net income $22.4 million, or $1.26 per basic share, EPS $1.26 per basic share.
  - Period: the quarter and year ended December 31, 2022
  - Net income: $22.4 million, or $1.26 per basic share
  - EPS: $1.26 per basic share
  - Result: reported results
  source text: Community Trust Bancorp, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/350852/000035085223000019/0000350852-23-000019-index.htm

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