CTBI Q4 net income $22.5M ($1.25 EPS) beats; NIM expands to 3.43%, lending grows 10.8% YoY

COMMUNITY TRUST BANCORP INC /KY/

2024-FY EPS reported $4.61

Q4 net income $22.5M vs $18.7M a year ago; diluted EPS $1.25 vs $1.04; full-year EPS $4.61 vs $4.36.
Net interest income $49.5M (+15.2% YoY); NIM 3.43% (+24 bps YoY) driven by lower cost of funds.
Loans $4.5B grew 10.8% YoY; deposits $5.3B up 7.3%; total assets $6.2B.
Nonperforming loans $26.7M (up from $14.0M a year ago); net charge-offs 0.09% annualized.
Dividend increased to $0.47/share quarterly ($1.86 annual, +3.3% YoY); book value $41.95.

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