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Loans (Tables)

9 Months Ended

Sep. 30, 2013

Loans [Abstract]

Summary of major classification of loans net of unearned income and deferred loan origination cost

Major classifications of loans, net of unearned income and deferred loan origination costs, are summarized as follows:

(in thousands)		September 30 2013				December 31 2012
Commercial construction		$	107,940			$	119,447
Commercial secured by real estate			877,935				807,213
Equipment lease financing			9,380				9,246
Commercial other			376,486				376,348
Real estate construction			53,545				55,041
Real estate mortgage			693,809				696,928
Home equity			82,498				82,292
Consumer direct			123,960				122,581
Consumer indirect			290,812				281,477
Total loans		$	2,616,365			$	2,550,573

Nonaccrual loans segregated by class of loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		September 30 2013				December 31 2012
Commercial:
Commercial construction		$	4,558			$	5,955
Commercial secured by real estate			6,471				5,572
Commercial other			2,482				1,655
Residential:
Real estate construction			481				315
Real estate mortgage			2,826				3,153
Home equity			313				141
Total nonaccrual loans		$	17,131			$	16,791

Bank's loan portfolio aging analysis, segregated by class

The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2013 and December 31, 2012:

		September 30, 2013
(in thousands)		30-59 Days Past Due				60-89 Days Past Due				90+ Days Past Due				Total Past Due				Current				Total Loans				90+ and Accruing*
Commercial:
Commercial construction		$	226			$	95			$	6,310			$	6,631			$	101,309			$	107,940			$	1,768
Commercial secured by real estate			5,093				2,455				16,989				24,537				853,398				877,935				12,543
Equipment lease financing			0				0				0				0				9,380				9,380				0
Commercial other			5,602				592				6,636				12,830				363,656				376,486				4,174
Residential:
Real estate construction			354				409				657				1,420				52,125				53,545				175
Real estate mortgage			1,444				3,959				7,644				13,047				680,762				693,809				5,528
Home equity			976				222				690				1,888				80,610				82,498				383
Consumer:
Consumer direct			997				161				145				1,303				122,657				123,960				145
Consumer indirect			2,082				574				417				3,073				287,739				290,812				417
Total		$	16,774			$	8,467			$	39,488			$	64,729			$	2,551,636			$	2,616,365			$	25,133

		December 31, 2012
(in thousands)		30-59 Days Past Due				60-89 Days Past Due				90+ Days Past Due				Total Past Due				Current				Total Loans				90+ and Accruing*
Commercial:
Commercial construction		$	1,413			$	312			$	9,598			$	11,323			$	108,124			$	119,447			$	3,778
Commercial secured by real estate			9,733				1,633				10,456				21,822				785,391				807,213				5,943
Equipment lease financing			0				0				0				0				9,246				9,246				0
Commercial other			259				1,142				5,164				6,565				369,783				376,348				3,867
Residential:
Real estate construction			248				572				511				1,331				53,710				55,041				196
Real estate mortgage			2,765				4,029				7,138				13,932				682,996				696,928				4,511
Home equity			921				102				565				1,588				80,704				82,292				441
Consumer:
Consumer direct			1,360				336				98				1,794				120,787				122,581				98
Consumer indirect			2,772				907				381				4,060				277,417				281,477				381
Total		$	19,471			$	9,033			$	33,911			$	62,415			$	2,488,158			$	2,550,573			$	19,215

*90+ and Accruing are also included in 90+ Days Past Due column.

Credit risk profile of the bank's commercial loan portfolio based on rating category and payment activity, segregated by class of loans

The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by class of loans, as of September 30, 2013 and December 31, 2012:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
September 30, 2013
Pass		$	82,682			$	744,360			$	9,380			$	317,330			$	1,153,752
Watch			13,832				82,256				0				35,504				131,592
OAEM			10				11,696				0				8,941				20,647
Substandard			6,859				34,313				0				12,340				53,512
Doubtful			4,557				5,310				0				2,371				12,238
Total		$	107,940			$	877,935			$	9,380			$	376,486			$	1,371,741
December 31, 2012
Pass		$	92,140			$	665,764			$	9,246			$	328,646			$	1,095,796
Watch			12,915				79,517				0				28,760				121,192
OAEM			1,054				16,532				0				2,816				20,402
Substandard			7,383				40,021				0				14,878				62,282
Doubtful			5,955				5,379				0				1,248				12,582
Total		$	119,447			$	807,213			$	9,246			$	376,348			$	1,312,254

Credit risk profile of residential real estate and consumer loan portfolio based on performing and nonperforming status segregated by class

The following tables present the credit risk profile of the CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class, as of September 30, 2013 and December 31, 2012:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
September 30, 2013
Performing		$	52,889			$	685,455			$	81,802			$	123,815			$	290,395			$	1,234,356
Nonperforming (1)			656				8,354				696				145				417				10,268
Total		$	53,545			$	693,809			$	82,498			$	123,960			$	290,812			$	1,244,624
December 31, 2012
Performing		$	54,530			$	689,264			$	81,710			$	122,483			$	281,096			$	1,229,083
Nonperforming (1)			511				7,664				582				98				381				9,236
Total		$	55,041			$	696,928			$	82,292			$	122,581			$	281,477			$	1,238,319

(1)  A loan is considered nonperforming if it is 90 days or more past due and/or on nonaccrual.

Impaired loans, average investment in impaired loans, and interest income recognized on impaired loans

The following table presents impaired loans, the average investment in impaired loans, and interest income recognized on impaired loans for the periods ended September 30, 2013, December 31, 2012, and September 30, 2012:

		September 30, 2013
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance
Loans without a specific valuation allowance:
Commercial construction		$	5,586			$	6,163			$	0
Commercial secured by real estate			31,054				31,929				0
Commercial other			15,179				18,212				0
Real estate mortgage			1,028				1,028				0
Loans with a specific valuation allowance:
Commercial construction			4,557				4,563				1,827
Commercial secured by real estate			5,423				5,733				1,295
Commercial other			465				590				158
Totals:
Commercial construction			10,143				10,726				1,827
Commercial secured by real estate			36,477				37,662				1,295
Commercial other			15,644				18,802				158
Real estate mortgage			1,028				1,028				0
Total		$	63,292			$	68,218			$	3,280

		Three Months Ended								Nine Months Ended
		September 30, 2013								September 30, 2013
(in thousands)		Average Investment in Impaired Loans				*Interest Income Recognized				Average Investment in Impaired Loans				*Interest Income Recognized
Loans without a specific valuation allowance:
Commercial construction		$	5,597			$	77			$	5,622			$	204
Commercial secured by real estate			31,142				405				31,491				938
Commercial other			15,264				134				15,508				439
Real estate mortgage			1,027				8				903				32
Loans with a specific valuation allowance:
Commercial construction			4,572				0				5,101				0
Commercial secured by real estate			5,622				0				5,362				0
Commercial other			515				0				587				0
Totals:
Commercial construction			10,169				77				10,723				204
Commercial secured by real estate			36,764				405				36,853				938
Commercial other			15,779				134				16,095				439
Real estate mortgage			1,027				8				903				32
Total		$	63,739			$	624			$	64,574			$	1,613

		December 31, 2012
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance				Average Investment in Impaired Loans				*Interest Income Recognized
Loans without a specific valuation allowance:
Commercial construction		$	3,692			$	4,146			$	0			$	4,249			$	97
Commercial secured by real estate			35,046				35,818				0				35,542				1,337
Commercial other			13,285				15,484				0				11,083				416
Real estate mortgage			695				695				0				481				30
Loans with a specific valuation allowance:
Commercial construction			5,703				6,933				1,820				6,585				0
Commercial secured by real estate			3,067				3,189				1,090				3,243				0
Commercial other			1,010				2,331				338				1,441				0
Totals:
Commercial construction			9,395				11,079				1,820				10,834				97
Commercial secured by real estate			38,113				39,007				1,090				38,785				1,337
Commercial other			14,295				17,815				338				12,524				416
Real estate mortgage			695				695				0				481				30
Total		$	62,498			$	68,596			$	3,248			$	62,624			$	1,880

		September 30, 2012
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance
Loans without a specific valuation allowance:
Commercial construction		$	3,032			$	3,032			$	0
Commercial secured by real estate			34,099				34,586				0
Commercial other			11,643				13,819				0
Real estate mortgage			666				667				0
Loans with a specific valuation allowance:
Commercial construction			7,070				8,298				2,321
Commercial secured by real estate			3,406				3,530				938
Commercial other			975				2,295				315
Totals:
Commercial construction			10,102				11,330				2,321
Commercial secured by real estate			37,505				38,116				938
Commercial other			12,618				16,114				315
Real estate mortgage			666				667				0
Total		$	60,891			$	66,227			$	3,574

		Three Months Ended								Nine Months Ended
		September 30, 2012								September 30, 2012
(in thousands)		Average Investment in Impaired Loans				*Interest Income Recognized				Average Investment in Impaired Loans				*Interest Income Recognized
Loans without a specific valuation allowance:
Commercial construction		$	3,034			$	32			$	4,072			$	90
Commercial secured by real estate			34,229				291				35,566				976
Commercial other			11,756				108				10,348				167
Real estate mortgage			668				10				409				18
Loans with a specific valuation allowance:
Commercial construction			7,355				0				6,881				0
Commercial secured by real estate			3,436				0				3,293				0
Commercial other			977				0				1,582				0
Totals:
Commercial construction			10,389				32				10,953				90
Commercial secured by real estate			37,665				291				38,859				976
Commercial other			12,733				108				11,930				167
Real estate mortgage			668				10				409				18
Total		$	61,455			$	441			$	62,151			$	1,251

*Cash basis interest is substantially the same as interest income recognized.

Troubled debt restructuring

Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the three and nine months ended September 30, 2013 and 2012 and the year ended December 31, 2012:

		Three Months Ended September 30, 2013
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			3			$	905			$	0			$	0			$	905
Commercial other			7				103				0				60				163
Total troubled debt restructurings			10			$	1,008			$	0			$	60			$	1,068

		Nine Months Ended September 30, 2013
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			6			$	2,603			$	0			$	0			$	2,603
Commercial secured by real estate			23				2,172				0				0				2,172
Commercial other			29				6,468				0				152				6,620
Residential:
Real estate mortgage			1				373				0				0				373
Total troubled debt restructurings			59			$	11,616			$	0			$	152			$	11,768

		Three Months Ended September 30, 2012
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			2				0				0				666				666
Commercial other			1				45				0				0				45
Residential:
Real estate mortgage			1				0				391				0				391
Total troubled debt restructurings			4			$	45			$	391			$	666			$	1,102

		Nine Months Ended September 30, 2012
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			5			$	557			$	0			$	0			$	557
Commercial secured by real estate			8				3,196				0				882				4,078
Commercial other			12				1,111				0				0				1,111
Residential:
Real estate mortgage			1				0				391				0				391
Total troubled debt restructurings			26			$	4,864			$	391			$	882			$	6,137

		Year Ended December 31, 2012
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			5			$	557			$	0			$	0			$	557
Commercial secured by real estate			11				3,624				0				882				4,506
Commercial other			22				3,217				0				11				3,228
Residential:
Real estate mortgage			1				0				391				0				391
Total troubled debt restructurings			39			$	7,398			$	391			$	893			$	8,682

Summary of defaulted restructured loans

Presented below, segregated by class of loans, are loans that were modified as troubled debt restructurings within the past twelve months which have subsequently defaulted.  CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual.

(in thousands)		Three Months Ended September 30, 2013								Nine Months Ended September 30, 2013
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial construction			0			$	0				0			$	0
Commercial secured by real estate			1				69				1				69
Commercial other			2				173				7				2,202
Total defaulted restructured loans			3			$	242				8			$	2,272

(in thousands)		Three Months Ended September 30, 2012								Nine Months Ended September 30, 2012
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial construction			0			$	0				0			$	0
Commercial secured by real estate			1				344				1				344
Commercial other			2				66				5				71
Total defaulted restructured loans			3			$	410				6			$	415

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