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Loans (Tables)

12 Months Ended

Dec. 31, 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)		December 31 2015				December 31 2014
Commercial construction		$	78,020			$	121,942
Commercial secured by real estate			1,052,919				948,626
Equipment lease financing			8,514				10,344
Commercial other			358,898				352,048
Real estate construction			61,750				62,412
Real estate mortgage			707,874				712,465
Home equity			89,450				88,335
Consumer direct			126,406				122,136
Consumer indirect			390,130				315,516
Total loans		$	2,873,961			$	2,733,824

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		December 31 2015				December 31 2014
Commercial:
Commercial construction		$	3,402			$	4,339
Commercial secured by real estate			5,928				6,725
Commercial other			1,485				2,423
Residential:
Real estate construction			249				602
Real estate mortgage			5,206				6,513
Home equity			183				369
Consumer:
Consumer direct			110				0
Total nonaccrual loans		$	16,563			$	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 December 31, 2015 and 2014:

		December 31, 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		$	36			$	6			$	3,431			$	3,473			$	74,547			$	78,020			$	30
Commercial secured by real estate			2,947				622				7,923				11,492				1,041,427				1,052,919				3,757
Equipment lease financing			199				0				0				199				8,315				8,514				0
Commercial other			762				121				1,476				2,359				356,539				358,898				310
Residential:
Real estate construction			443				62				291				796				60,954				61,750				55
Real estate mortgage			1,128				3,888				10,907				15,923				691,951				707,874				6,925
Home equity			527				148				580				1,255				88,195				89,450				448
Consumer:
Consumer direct			835				479				126				1,440				124,966				126,406				126
Consumer indirect			2,133				814				395				3,342				386,788				390,130				395
Total		$	9,010			$	6,140			$	25,129			$	40,279			$	2,833,682			$	2,873,961			$	12,046

		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 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, 2015 and 2014:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
December 31, 2015
Pass		$	62,978			$	937,196			$	8,514			$	312,100			$	1,320,788
Watch			4,931				71,830				0				37,670				114,431
OAEM			2,206				13,765				0				963				16,934
Substandard			6,780				29,232				0				7,072				43,084
Doubtful			1,125				896				0				1,093				3,114
Total		$	78,020			$	1,052,919			$	8,514			$	358,898			$	1,498,351
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 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, 2015 and 2014:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
December 31, 2015
Performing		$	61,446			$	695,743			$	88,819			$	126,170			$	389,735			$	1,361,913
Nonperforming (1)			304				12,131				631				236				395				13,697
Total		$	61,750			$	707,874			$	89,450			$	126,406			$	390,130			$	1,375,610
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 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, 2015, 2014, and 2013:

		December 31, 2015
(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		$	2,861			$	2,862			$	0			$	4,574			$	200
Commercial secured by real estate			30,761				32,166				0				30,605				1,378
Commercial other			7,500				9,148				0				8,802				316
Real estate mortgage			1,744				1,744				0				1,179				50
Loans with a specific valuation allowance:
Commercial construction			3,402				3,402				831				3,631				0
Commercial secured by real estate			2,660				2,768				1,227				2,349				7
Commercial other			960				1,153				403				836				1
Totals:
Commercial construction			6,263				6,264				831				8,205				200
Commercial secured by real estate			33,421				34,934				1,227				32,954				1,385
Commercial other			8,460				10,301				403				9,638				317
Real estate mortgage			1,744				1,744				0				1,179				50
Total		$	49,888			$	53,243			$	2,461			$	51,976			$	1,952

		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

*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, 2015 and 2014:

		Year Ended December 31, 2015
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			3			$	428			$	0			$	0			$	428
Commercial secured by real estate			21				4,244				0				1,760				6,004
Commercial other			7				3,847				0				0				3,847
Residential:
Real estate mortgage			3				0				0				848				848
Total troubled debt restructurings			34			$	8,519			$	0			$	2,608			$	11,127

		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

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, 2015
		Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			3			$	114
Total defaulted restructured loans			3			$	114

(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

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