secwatch.observer — SEC 8-K summary
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Issuer:     COMMUNITY TRUST BANCORP INC /KY/ (CTBI)
CIK:        0000350852
Form:       8-K
Filed at:   2025-01-15T23:59:59+00:00
Accession:  0000350852-25-000010
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000010/0000350852-25-000010-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/350852/000035085225000010/ctbi1224er8k.htm
  HTML page:      https://secwatch.observer/filing/0000350852-25-000010

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