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Loans (Tables)

12 Months Ended

Dec. 31, 2014

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, deferred loan origination costs, and net premiums on acquired loans, are summarized as follows:

(in thousands)		December 31 2014				December 31 2013
Commercial construction		$	121,942			$	110,779
Commercial secured by real estate			948,626				872,542
Equipment lease financing			10,344				8,840
Commercial other			352,048				374,881
Real estate construction			62,412				56,075
Real estate mortgage			712,465				697,601
Home equity			88,335				84,880
Consumer direct			122,136				122,215
Consumer indirect			315,516				287,541
Total loans		$	2,733,824			$	2,615,354

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		December 31 2014				December 31 2013
Commercial:
Commercial construction		$	4,339			$	4,519
Commercial secured by real estate			6,725				6,576
Commercial other			2,423				2,801
Residential:
Real estate construction			602				481
Real estate mortgage			6,513				5,152
Home equity			369				429
Total nonaccrual loans		$	20,971			$	19,958

Loan Portfolio Aging Analysis, Segregated by Class

The following tables present CTBI's loan portfolio aging analysis, segregated by class, as of December 31, 2014 and 2013:

		December 31, 2014
(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		$	40			$	31			$	6,171			$	6,242			$	115,700			$	121,942			$	1,863
Commercial secured by real estate			2,471				1,595				10,763				14,829				933,797				948,626				4,682
Equipment lease financing			0				0				0				0				10,344				10,344				0
Commercial other			826				55				4,205				5,086				346,962				352,048				2,367
Residential:
Real estate construction			92				144				985				1,221				61,191				62,412				383
Real estate mortgage			1,005				5,171				13,049				19,225				693,240				712,465				7,742
Home equity			779				197				703				1,679				86,656				88,335				422
Consumer:
Consumer direct			1,307				295				141				1,743				120,393				122,136				141
Consumer indirect			2,304				586				385				3,275				312,241				315,516				385
Total		$	8,824			$	8,074			$	36,402			$	53,300			$	2,680,524			$	2,733,824			$	17,985

		December 31, 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		$	250			$	166			$	6,012			$	6,428			$	104,351			$	110,779			$	1,673
Commercial secured by real estate			3,703				1,982				16,660				22,345				850,197				872,542				12,403
Equipment lease financing			0				0				0				0				8,840				8,840				0
Commercial other			344				422				6,156				6,922				367,959				374,881				3,723
Residential:
Real estate construction			81				383				694				1,158				54,917				56,075				213
Real estate mortgage			1,274				4,419				9,346				15,039				682,562				697,601				4,847
Home equity			786				330				737				1,853				83,027				84,880				324
Consumer:
Consumer direct			1,063				291				119				1,473				120,742				122,215				119
Consumer indirect			2,750				668				297				3,715				283,826				287,541				297
Total		$	10,251			$	8,661			$	40,021			$	58,933			$	2,556,421			$	2,615,354			$	23,599

*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 December 31, 2014 and 2013:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
December 31, 2014
Pass		$	101,314			$	834,751			$	10,344			$	307,270			$	1,253,679
Watch			9,857				69,123				0				36,114				115,094
OAEM			934				10,973				0				881				12,788
Substandard			5,647				27,901				0				5,772				39,320
Doubtful			4,190				5,878				0				2,011				12,079
Total		$	121,942			$	948,626			$	10,344			$	352,048			$	1,432,960
December 31, 2013
Pass		$	85,699			$	746,202			$	8,840			$	321,818			$	1,162,559
Watch			13,519				77,561				0				32,800				123,880
OAEM			0				6,639				0				6,200				12,839
Substandard			7,208				37,334				0				11,772				56,314
Doubtful			4,353				4,806				0				2,291				11,450
Total		$	110,779			$	872,542			$	8,840			$	374,881			$	1,367,042

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 CTBI's residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class, as of December 31, 2014 and 2013:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
December 31, 2014
Performing		$	61,427			$	698,210			$	87,544			$	121,995			$	315,131			$	1,284,307
Nonperforming (1)			985				14,255				791				141				385				16,557
Total		$	62,412			$	712,465			$	88,335			$	122,136			$	315,516			$	1,300,864
December 31, 2013
Performing		$	55,381			$	687,602			$	84,127			$	122,096			$	287,244			$	1,236,450
Nonperforming (1)			694				9,999				753				119				297				11,862
Total		$	56,075			$	697,601			$	84,880			$	122,215			$	287,541			$	1,248,312

(1)  A loan is considered nonperforming if it is 90 days or more past due 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 years ended December 31, 2014, 2013, and 2012:

		December 31, 2014
(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		$	5,653			$	5,654			$	0			$	5,415			$	205
Commercial secured by real estate			31,639				33,268				0				34,650				1,180
Commercial other			13,069				14,597				0				15,663				783
Real estate mortgage			1,277				1,277				0				1,507				53
Loans with a specific valuation allowance:
Commercial construction			3,974				3,974				734				4,216				0
Commercial secured by real estate			2,718				2,876				827				4,376				11
Commercial other			738				862				181				531				1
Totals:
Commercial construction			9,627				9,628				734				9,631				205
Commercial secured by real estate			34,357				36,144				827				39,026				1,191
Commercial other			13,807				15,459				181				16,194				784
Real estate mortgage			1,277				1,277				0				1,507				53
Total		$	59,068			$	62,508			$	1,742			$	66,358			$	2,233

		December 31, 2013
(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		$	5,457			$	5,458			$	0			$	5,595			$	240
Commercial secured by real estate			35,258				36,173				0				32,472				1,231
Commercial other			14,839				16,435				0				15,396				568
Real estate mortgage			1,024				1,024				0				934				43
Loans with a specific valuation allowance:
Commercial construction			4,353				4,359				1,189				4,935				0
Commercial secured by real estate			4,039				4,326				1,005				5,033				1
Commercial other			330				453				102				525				0
Totals:
Commercial construction			9,810				9,817				1,189				10,530				240
Commercial secured by real estate			39,297				40,499				1,005				37,505				1,232
Commercial other			15,169				16,888				102				15,921				568
Real estate mortgage			1,024				1,024				0				934				43
Total		$	65,300			$	68,228			$	2,296			$	64,890			$	2,083

		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
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

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

Troubled Debt Restructurings

Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the years ended December 31, 2014 and 2013:

		Year Ended December 31, 2014
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			1			$	7			$	0			$	0			$	7
Commercial secured by real estate			11				5,707				0				68				5,775
Commercial other			8				1,268				0				0				1,268
Residential:
Real estate mortgage			2				0				0				848				848
Total troubled debt restructurings			22			$	6,982			$	0			$	916			$	7,898

		Year Ended December 31, 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			27				2,568				0				2,920				5,488
Commercial other			30				6,471				0				152				6,623
Residential:
Real estate mortgage			1				373				0				0				373
Total troubled debt restructurings			64			$	12,015			$	0			$	3,072			$	15,087

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)		Year Ended December 31, 2014
		Number of Loans				Recorded Balance
Commercial:
Commercial other			1				88
Residential:
Real estate mortgage			1				581
Total defaulted restructured loans			2			$	669

(in thousands)		Year Ended December 31, 2013
		Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			2			$	89
Commercial other			6				596
Residential:
Real estate mortgage			1				373
Total defaulted restructured loans			9			$	1,058

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