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Loans (Tables)

6 Months Ended

Jun. 30, 2015

Loans [Abstract]

Summary of Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans

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

(in thousands)		June 30 2015				December 31 2014
Commercial construction		$	111,218			$	121,942
Commercial secured by real estate			978,412				948,626
Equipment lease financing			9,859				10,344
Commercial other			363,909				352,048
Real estate construction			57,914				62,412
Real estate mortgage			707,582				712,465
Home equity			88,113				88,335
Consumer direct			121,620				122,136
Consumer indirect			354,204				315,516
Total loans		$	2,792,831			$	2,733,824

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		June 30 2015				December 31 2014
Commercial:
Commercial construction		$	3,699			$	4,339
Commercial secured by real estate			4,186				6,725
Commercial other			1,326				2,423
Residential:
Real estate construction			500				602
Real estate mortgage			6,556				6,513
Home equity			204				369
Consumer:
Consumer direct			15				0
Total nonaccrual loans		$	16,486			$	20,971

Bank's Loan Portfolio Aging Analysis, Segregated by Class

The following tables present CTBI's loan portfolio aging analysis, segregated by class, as of June 30, 2015 and December 31, 2014:

		June 30, 2015
(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		$	13			$	0			$	5,392			$	5,405			$	105,813			$	111,218			$	1,692
Commercial secured by real estate			3,073				984				8,334				12,391				966,021				978,412				5,045
Equipment lease financing			0				0				0				0				9,859				9,859				0
Commercial other			1,298				171				4,033				5,502				358,407				363,909				2,874
Residential:
Real estate construction			33				67				576				676				57,238				57,914				90
Real estate mortgage			1,377				4,739				11,913				18,029				689,553				707,582				6,446
Home equity			1,035				168				563				1,766				86,347				88,113				404
Consumer:
Consumer direct			1,002				358				105				1,465				120,155				121,620				105
Consumer indirect			2,380				585				259				3,224				350,980				354,204				259
Total		$	10,211			$	7,072			$	31,175			$	48,458			$	2,744,373			$	2,792,831			$	16,915

		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

*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 table presents the credit risk profile of CTBI's commercial loan portfolio based on rating category and payment activity, segregated by class of loans, as of June 30, 2015 and December 31, 2014:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
June 30, 2015
Pass		$	91,970			$	866,899			$	9,859			$	323,470			$	1,292,198
Watch			7,954				70,847				0				32,858				111,659
OAEM			1,939				8,998				0				949				11,886
Substandard			5,656				27,750				0				5,756				39,162
Doubtful			3,699				3,918				0				876				8,493
Total		$	111,218			$	978,412			$	9,859			$	363,909			$	1,463,398
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

Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Class

The following table presents 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 June 30, 2015 and December 31, 2014:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
June 30, 2015
Performing		$	57,324			$	694,580			$	87,505			$	121,500			$	353,945			$	1,314,854
Nonperforming (1)			590				13,002				608				120				259				14,579
Total		$	57,914			$	707,582			$	88,113			$	121,620			$	354,204			$	1,329,433
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

(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 tables present impaired loans, the average investment in impaired loans, and interest income recognized on impaired loans for the periods ended June 30, 2015, December 31, 2014, and June 30, 2014:

		June 30, 2015
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance
Loans without a specific valuation allowance:
Commercial construction		$	5,211			$	5,211			$	0
Commercial secured by real estate			29,951				31,340				0
Commercial other			7,262				8,898				0
Real estate mortgage			1,185				1,185				0
Loans with a specific valuation allowance:
Commercial construction			3,500				3,500				719
Commercial secured by real estate			2,377				2,560				529
Commercial other			687				809				215
Totals:
Commercial construction			8,711				8,711				719
Commercial secured by real estate			32,328				33,900				529
Commercial other			7,949				9,707				215
Real estate mortgage			1,185				1,185				0
Total		$	50,173			$	53,503			$	1,463

		Three Months Ended								Six Months Ended
		June 30, 2015								June 30, 2015
(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		$	5,266			$	68			$	5,282			$	119
Commercial secured by real estate			30,366				359				30,179				669
Commercial other			7,367				67				10,118				128
Real estate mortgage			1,186				12				1,044				24
Loans with a specific valuation allowance:
Commercial construction			3,796				0				3,846				0
Commercial secured by real estate			2,452				0				2,946				1
Commercial other			729				0				794				0
Totals:
Commercial construction			9,062				68				9,128				119
Commercial secured by real estate			32,818				359				33,125				670
Commercial other			8,096				67				10,912				128
Real estate mortgage			1,186				12				1,044				24
Total		$	51,162			$	506			$	54,209			$	941

		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

		June 30, 2014
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance
Loans without a specific valuation allowance:
Commercial construction		$	5,270			$	5,271			$	0
Commercial secured by real estate			33,504				34,523				0
Commercial other			16,947				18,527				0
Real estate mortgage			1,865				1,865				0
Loans with a specific valuation allowance:
Commercial construction			4,285				4,285				734
Commercial secured by real estate			3,968				4,272				1,077
Commercial other			339				463				84
Totals:
Commercial construction			9,555				9,556				734
Commercial secured by real estate			37,472				38,795				1,077
Commercial other			17,286				18,990				84
Real estate mortgage			1,865				1,865				0
Total		$	66,178			$	69,206			$	1,895

		Three Months Ended								Six Months Ended
		June 30, 2014								June 30, 2014
(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		$	5,291			$	78			$	5,366			$	128
Commercial secured by real estate			33,687				332				35,051				597
Commercial other			17,362				257				15,843				371
Real estate mortgage			1,866				22				1,445				32
Loans with a specific valuation allowance:
Commercial construction			4,285				0				4,299				0
Commercial secured by real estate			3,973				0				4,330				4
Commercial other			353				0				396				0
Totals:
Commercial construction			9,576				78				9,665				128
Commercial secured by real estate			37,660				332				39,381				601
Commercial other			17,715				257				16,239				371
Real estate mortgage			1,866				22				1,445				32
Total		$	66,817			$	689			$	66,730			$	1,132

*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 six months ended June 30, 2015 and 2014 and the year ended December 31, 2014:

		Three Months Ended June 30, 2015
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			4			$	317			$	0			$	0			$	317
Commercial other			1				18				0				0				18
Residential:
Real estate mortgage			1				0				0				290				290
Total troubled debt restructurings			6			$	335			$	0			$	290			$	625

		Six Months Ended June 30, 2015
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			8			$	607			$	0			$	0			$	607
Commercial other			3				54				0				0				54
Residential:
Real estate mortgage			1				0				0				290				290
Total troubled debt restructurings			12			$	661			$	0			$	290			$	951

		Three Months Ended June 30, 2014
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			1			$	106			$	0			$	0			$	106
Commercial other			1				20				0				0				20
Residential:
Real estate mortgage			2				0				0				849				849
Total troubled debt restructurings			4			$	126			$	0			$	849			$	975

		Six Months Ended June 30, 2014
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial secured by real estate			3			$	231			$	0			$	0			$	231
Commercial other			3				61				0				0				61
Residential:
Real estate mortgage			2				0				0				849				849
Total troubled debt restructurings			8			$	292			$	0			$	849			$	1,141

		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

Summary of Defaulted Restructured Loans

CTBI generally considers a loan in default when it is 90 days or more past due or transferred to nonaccrual.

(in thousands)		Three Months Ended June 30, 2015								Six Months Ended June 30, 2015
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			1			$	98				2			$	359
Residential:
Real estate mortgage			1				290				1				290
Total defaulted restructured loans			2			$	388				3			$	649

(in thousands)		Three Months Ended June 30, 2014								Six Months Ended June 30, 2014
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial other			0			$	0				2			$	34
Residential:
Real estate mortgage			1				581				1				581
Total defaulted restructured loans			1			$	581				3			$	615

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