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Cash and Due from Banks and Interest Bearing Deposits
 12 Months Ended
Dec. 31, 2012
Cash and Due from Banks and Interest Bearing Deposits [Abstract]  
Cash and Due from Banks and Interest Bearing Deposits
2. Cash and Due from Banks and Interest Bearing Deposits
 
Included in cash and due from banks and interest bearing deposits are amounts required to be held at the Federal Reserve or maintained in vault cash in accordance with regulatory reserve requirements. The balance requirements were $56.8 million and $52.1 million at December 31, 2012 and 2011, respectively.
 
Effective July 21, 2010, the FDIC's insurance limits were permanently increased to $250,000. Pursuant to legislation enacted in 2010, the FDIC fully insured all noninterest bearing transaction accounts December 31, 2010 through December 31, 2012, at all FDIC insured institutions. Effective January 1, 2013, money in noninterest-bearing transaction accounts (including IOLTA/IOLA) no longer receive unlimited deposit insurance coverage from the FDIC, but will be FDIC-insured up to the legal maximum of $250,000 for each ownership category. At December 31, 2012, CTBI had no cash accounts which exceeded federally insured limits except our Federal Home Loan Bank interest bearing deposit account which had a balance of $3.5 million at December 31, 2012; however, CTBI had $124 million in deposits with the Federal Reserve which are not subject to FDIC insurance. At December 31, 2012, we had cash on deposit in noninterest bearing accounts with correspondent banks in the amount of $35.4 million, of which $34.9 million is no longer covered by FDIC insurance effective January 1, 2013.