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Loans (Tables) | 6 Months Ended
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Jun. 30, 2017
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 2017 |  |  | December 31 2016 |
Commercial construction |  | $ | 72,054 |  |  | $ | 66,998 |
Commercial secured by real estate |  |  | 1,179,229 |  |  |  | 1,085,428 |
Equipment lease financing |  |  | 4,903 |  |  |  | 5,512 |
Commercial other |  |  | 352,173 |  |  |  | 350,159 |
Real estate construction |  |  | 58,566 |  |  |  | 57,966 |
Real estate mortgage |  |  | 708,467 |  |  |  | 702,969 |
Home equity |  |  | 93,721 |  |  |  | 91,511 |
Consumer direct |  |  | 135,228 |  |  |  | 133,093 |
Consumer indirect |  |  | 483,001 |  |  |  | 444,735 |
Total loans |  | $ | 3,087,342 |  |  | $ | 2,938,371 |
Nonaccrual Loans Segregated by Class of Loans | Nonaccrual loans segregated by class of loans were as follows:
(in thousands) |  | June 30 2017 |  |  | December 31 2016 |
Commercial: |  |  |  |  |  |
Commercial construction |  | $ | 1,328 |  |  | $ | 1,912 |
Commercial secured by real estate |  |  | 8,713 |  |  |  | 6,326 |
Commercial other |  |  | 1,404 |  |  |  | 1,559 |
Residential: |  |  |  |  |  |  |  |
Real estate construction |  |  | 189 |  |  |  | 11 |
Real estate mortgage |  |  | 7,461 |  |  |  | 6,260 |
Home equity |  |  | 556 |  |  |  | 555 |
Total nonaccrual loans |  | $ | 19,651 |  |  | $ | 16,623 |
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, 2017 and December 31, 2016:
|  | June 30, 2017 |
(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 |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,352 |  |  | $ | 1,352 |  |  | $ | 70,702 |  |  | $ | 72,054 |  |  | $ | 24 |
Commercial secured by real estate |  |  | 2,272 |  |  |  | 3,540 |  |  |  | 7,757 |  |  |  | 13,569 |  |  |  | 1,165,660 |  |  |  | 1,179,229 |  |  |  | 2,171 |
Equipment lease financing |  |  | 0 |  |  |  | 0 |  |  |  | 130 |  |  |  | 130 |  |  |  | 4,773 |  |  |  | 4,903 |  |  |  | 130 |
Commercial other |  |  | 513 |  |  |  | 420 |  |  |  | 1,123 |  |  |  | 2,056 |  |  |  | 350,117 |  |  |  | 352,173 |  |  |  | 235 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate construction |  |  | 1,254 |  |  |  | 177 |  |  |  | 393 |  |  |  | 1,824 |  |  |  | 56,742 |  |  |  | 58,566 |  |  |  | 205 |
Real estate mortgage |  |  | 950 |  |  |  | 4,113 |  |  |  | 11,270 |  |  |  | 16,333 |  |  |  | 692,134 |  |  |  | 708,467 |  |  |  | 5,042 |
Home equity |  |  | 1,004 |  |  |  | 261 |  |  |  | 692 |  |  |  | 1,957 |  |  |  | 91,764 |  |  |  | 93,721 |  |  |  | 300 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer direct |  |  | 788 |  |  |  | 132 |  |  |  | 34 |  |  |  | 954 |  |  |  | 134,274 |  |  |  | 135,228 |  |  |  | 34 |
Consumer indirect |  |  | 2,826 |  |  |  | 793 |  |  |  | 221 |  |  |  | 3,840 |  |  |  | 479,161 |  |  |  | 483,001 |  |  |  | 221 |
Total |  | $ | 9,607 |  |  | $ | 9,436 |  |  | $ | 22,972 |  |  | $ | 42,015 |  |  | $ | 3,045,327 |  |  | $ | 3,087,342 |  |  | $ | 8,362 |
|  | December 31, 2016 |
(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 |  | $ | 22 |  |  | $ | 0 |  |  | $ | 1,940 |  |  | $ | 1,962 |  |  | $ | 65,036 |  |  | $ | 66,998 |  |  | $ | 28 |
Commercial secured by real estate |  |  | 2,033 |  |  |  | 478 |  |  |  | 8,847 |  |  |  | 11,358 |  |  |  | 1,074,070 |  |  |  | 1,085,428 |  |  |  | 3,015 |
Equipment lease financing |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5,512 |  |  |  | 5,512 |  |  |  | 0 |
Commercial other |  |  | 997 |  |  |  | 122 |  |  |  | 1,235 |  |  |  | 2,354 |  |  |  | 347,805 |  |  |  | 350,159 |  |  |  | 141 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate construction |  |  | 707 |  |  |  | 42 |  |  |  | 152 |  |  |  | 901 |  |  |  | 57,065 |  |  |  | 57,966 |  |  |  | 152 |
Real estate mortgage |  |  | 1,493 |  |  |  | 5,278 |  |  |  | 10,695 |  |  |  | 17,466 |  |  |  | 685,503 |  |  |  | 702,969 |  |  |  | 6,295 |
Home equity |  |  | 829 |  |  |  | 288 |  |  |  | 905 |  |  |  | 2,022 |  |  |  | 89,489 |  |  |  | 91,511 |  |  |  | 467 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer direct |  |  | 873 |  |  |  | 265 |  |  |  | 68 |  |  |  | 1,206 |  |  |  | 131,887 |  |  |  | 133,093 |  |  |  | 68 |
Consumer indirect |  |  | 3,288 |  |  |  | 851 |  |  |  | 681 |  |  |  | 4,820 |  |  |  | 439,915 |  |  |  | 444,735 |  |  |  | 681 |
Total |  | $ | 10,242 |  |  | $ | 7,324 |  |  | $ | 24,523 |  |  | $ | 42,089 |  |  | $ | 2,896,282 |  |  | $ | 2,938,371 |  |  | $ | 10,847 |
*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 June 30, 2017 and December 31, 2016:
(in thousands) |  | Commercial Construction |  |  | Commercial Secured by Real Estate |  |  | Equipment Leases |  |  | Commercial Other |  |  | Total |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 62,033 |  |  | $ | 1,056,938 |  |  | $ | 4,667 |  |  | $ | 302,783 |  |  | $ | 1,426,421 |
Watch |  |  | 3,988 |  |  |  | 64,594 |  |  |  | 0 |  |  |  | 30,861 |  |  |  | 99,443 |
OAEM |  |  | 1,874 |  |  |  | 23,458 |  |  |  | 106 |  |  |  | 8,775 |  |  |  | 34,213 |
Substandard |  |  | 3,981 |  |  |  | 33,882 |  |  |  | 130 |  |  |  | 9,389 |  |  |  | 47,382 |
Doubtful |  |  | 178 |  |  |  | 357 |  |  |  | 0 |  |  |  | 365 |  |  |  | 900 |
Total |  | $ | 72,054 |  |  | $ | 1,179,229 |  |  | $ | 4,903 |  |  | $ | 352,173 |  |  | $ | 1,608,359 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 55,315 |  |  | $ | 975,383 |  |  | $ | 5,206 |  |  | $ | 299,301 |  |  | $ | 1,335,205 |
Watch |  |  | 3,366 |  |  |  | 51,932 |  |  |  | 137 |  |  |  | 32,780 |  |  |  | 88,215 |
OAEM |  |  | 2,535 |  |  |  | 25,772 |  |  |  | 169 |  |  |  | 7,913 |  |  |  | 36,389 |
Substandard |  |  | 5,592 |  |  |  | 31,945 |  |  |  | 0 |  |  |  | 9,599 |  |  |  | 47,136 |
Doubtful |  |  | 190 |  |  |  | 396 |  |  |  | 0 |  |  |  | 566 |  |  |  | 1,152 |
Total |  | $ | 66,998 |  |  | $ | 1,085,428 |  |  | $ | 5,512 |  |  | $ | 350,159 |  |  | $ | 1,508,097 |
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 June 30, 2017 and December 31, 2016:
(in thousands) |  | Real Estate Construction |  |  | Real Estate Mortgage |  |  | Home Equity |  |  | Consumer Direct |  |  | Consumer Indirect |  |  | Total |
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 58,172 |  |  | $ | 695,964 |  |  | $ | 92,865 |  |  | $ | 135,194 |  |  | $ | 482,780 |  |  | $ | 1,464,975 |
Nonperforming (1) |  |  | 394 |  |  |  | 12,503 |  |  |  | 856 |  |  |  | 34 |  |  |  | 221 |  |  |  | 14,008 |
Total |  | $ | 58,566 |  |  | $ | 708,467 |  |  | $ | 93,721 |  |  | $ | 135,228 |  |  | $ | 483,001 |  |  | $ | 1,478,983 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 57,803 |  |  | $ | 690,414 |  |  | $ | 90,489 |  |  | $ | 133,025 |  |  | $ | 444,054 |  |  | $ | 1,415,785 |
Nonperforming (1) |  |  | 163 |  |  |  | 12,555 |  |  |  | 1,022 |  |  |  | 68 |  |  |  | 681 |  |  |  | 14,489 |
Total |  | $ | 57,966 |  |  | $ | 702,969 |  |  | $ | 91,511 |  |  | $ | 133,093 |  |  | $ | 444,735 |  |  | $ | 1,430,274 |
(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 June 30, 2017, December 31, 2016, and June 30, 2016:
|  | June 30, 2017 |
(in thousands) |  | Recorded Balance |  |  | Unpaid Contractual Principal Balance |  |  | Specific Allowance |
Loans without a specific valuation allowance: |  |  |  |  |  |  |  |  |
Commercial construction |  | $ | 4,707 |  |  | $ | 4,709 |  |  | $ | 0 |
Commercial secured by real estate |  |  | 27,509 |  |  |  | 28,195 |  |  |  | 0 |
Equipment lease financing |  |  | 130 |  |  |  | 130 |  |  |  | 0 |
Commercial other |  |  | 10,719 |  |  |  | 12,619 |  |  |  | 0 |
Real estate construction |  |  | 846 |  |  |  | 846 |  |  |  | 0 |
Real estate mortgage |  |  | 1,803 |  |  |  | 1,803 |  |  |  | 0 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 153 |  |  |  | 174 |  |  |  | 25 |
Commercial secured by real estate |  |  | 4,731 |  |  |  | 5,833 |  |  |  | 1,227 |
Commercial other |  |  | 131 |  |  |  | 134 |  |  |  | 67 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 4,860 |  |  |  | 4,883 |  |  |  | 25 |
Commercial secured by real estate |  |  | 32,240 |  |  |  | 34,028 |  |  |  | 1,227 |
Equipment lease financing |  |  | 130 |  |  |  | 130 |  |  |  | 0 |
Commercial other |  |  | 10,850 |  |  |  | 12,753 |  |  |  | 67 |
Real estate construction |  |  | 846 |  |  |  | 846 |  |  |  | 0 |
Real estate mortgage |  |  | 1,803 |  |  |  | 1,803 |  |  |  | 0 |
Total |  | $ | 50,729 |  |  | $ | 54,443 |  |  | $ | 1,319 |
|  | Three Months Ended |  |  | Six Months Ended |
|  | June 30, 2017 |  |  | June 30, 2017 |
(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 |  | $ | 5,041 |  |  | $ | 49 |  |  | $ | 5,101 |  |  | $ | 86 |
Commercial secured by real estate |  |  | 27,858 |  |  |  | 343 |  |  |  | 28,252 |  |  |  | 704 |
Equipment lease financing |  |  | 135 |  |  |  | 0 |  |  |  | 68 |  |  |  | 0 |
Commercial other |  |  | 10,882 |  |  |  | 133 |  |  |  | 10,981 |  |  |  | 273 |
Real estate construction |  |  | 846 |  |  |  | 0 |  |  |  | 423 |  |  |  | 0 |
Real estate mortgage |  |  | 1,803 |  |  |  | 11 |  |  |  | 1,804 |  |  |  | 22 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 153 |  |  |  | 0 |  |  |  | 157 |  |  |  | 0 |
Commercial secured by real estate |  |  | 4,745 |  |  |  | 5 |  |  |  | 4,362 |  |  |  | 5 |
Commercial other |  |  | 131 |  |  |  | 0 |  |  |  | 66 |  |  |  | 0 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 5,194 |  |  |  | 49 |  |  |  | 5,258 |  |  |  | 86 |
Commercial secured by real estate |  |  | 32,603 |  |  |  | 348 |  |  |  | 32,614 |  |  |  | 709 |
Equipment lease financing |  |  | 135 |  |  |  | 0 |  |  |  | 68 |  |  |  | 0 |
Commercial other |  |  | 11,013 |  |  |  | 133 |  |  |  | 11,047 |  |  |  | 273 |
Real estate construction |  |  | 846 |  |  |  | 0 |  |  |  | 423 |  |  |  | 0 |
Real estate mortgage |  |  | 1,803 |  |  |  | 11 |  |  |  | 1,804 |  |  |  | 22 |
Total |  | $ | 51,594 |  |  | $ | 541 |  |  | $ | 51,214 |  |  | $ | 1,090 |
|  | December 31, 2016 |
(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 |  | $ | 4,102 |  |  | $ | 4,123 |  |  | $ | 0 |  |  | $ | 4,367 |  |  | $ | 218 |
Commercial secured by real estate |  |  | 29,025 |  |  |  | 29,594 |  |  |  | 0 |  |  |  | 31,136 |  |  |  | 1,609 |
Commercial other |  |  | 11,215 |  |  |  | 13,155 |  |  |  | 0 |  |  |  | 11,561 |  |  |  | 632 |
Real estate mortgage |  |  | 1,483 |  |  |  | 1,483 |  |  |  | 0 |  |  |  | 1,691 |  |  |  | 52 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 1,507 |  |  |  | 1,509 |  |  |  | 213 |  |  |  | 2,290 |  |  |  | 0 |
Commercial secured by real estate |  |  | 4,731 |  |  |  | 5,885 |  |  |  | 1,035 |  |  |  | 4,151 |  |  |  | 19 |
Commercial other |  |  | 139 |  |  |  | 139 |  |  |  | 65 |  |  |  | 483 |  |  |  | 0 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 5,609 |  |  |  | 5,632 |  |  |  | 213 |  |  |  | 6,657 |  |  |  | 218 |
Commercial secured by real estate |  |  | 33,756 |  |  |  | 35,479 |  |  |  | 1,035 |  |  |  | 35,287 |  |  |  | 1,628 |
Commercial other |  |  | 11,354 |  |  |  | 13,294 |  |  |  | 65 |  |  |  | 12,044 |  |  |  | 632 |
Real estate mortgage |  |  | 1,483 |  |  |  | 1,483 |  |  |  | 0 |  |  |  | 1,691 |  |  |  | 52 |
Total |  | $ | 52,202 |  |  | $ | 55,888 |  |  | $ | 1,313 |  |  | $ | 55,679 |  |  | $ | 2,530 |
|  | June 30, 2016 |
(in thousands) |  | Recorded Balance |  |  | Unpaid Contractual Principal Balance |  |  | Specific Allowance |
Loans without a specific valuation allowance: |  |  |  |  |  |  |  |  |
Commercial construction |  | $ | 4,455 |  |  | $ | 4,741 |  |  | $ | 0 |
Commercial secured by real estate |  |  | 30,181 |  |  |  | 30,816 |  |  |  | 0 |
Commercial other |  |  | 11,328 |  |  |  | 13,113 |  |  |  | 0 |
Real estate mortgage |  |  | 1,761 |  |  |  | 1,761 |  |  |  | 0 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 2,207 |  |  |  | 2,209 |  |  |  | 287 |
Commercial secured by real estate |  |  | 2,667 |  |  |  | 3,721 |  |  |  | 720 |
Commercial other |  |  | 670 |  |  |  | 683 |  |  |  | 330 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 6,662 |  |  |  | 6,950 |  |  |  | 287 |
Commercial secured by real estate |  |  | 32,848 |  |  |  | 34,537 |  |  |  | 720 |
Commercial other |  |  | 11,998 |  |  |  | 13,796 |  |  |  | 330 |
Real estate mortgage |  |  | 1,761 |  |  |  | 1,761 |  |  |  | 0 |
Total |  | $ | 53,269 |  |  | $ | 57,044 |  |  | $ | 1,337 |
|  | Three Months Ended |  |  | Six Months Ended |
|  | June 30, 2016 |  |  | June 30, 2016 |
(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 |  | $ | 4,730 |  |  | $ | 56 |  |  | $ | 4,526 |  |  | $ | 105 |
Commercial secured by real estate |  |  | 30,339 |  |  |  | 387 |  |  |  | 31,426 |  |  |  | 774 |
Commercial other |  |  | 11,446 |  |  |  | 169 |  |  |  | 11,597 |  |  |  | 317 |
Real estate mortgage |  |  | 1,764 |  |  |  | 14 |  |  |  | 1,893 |  |  |  | 30 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 2,372 |  |  |  | 0 |  |  |  | 2,887 |  |  |  | 0 |
Commercial secured by real estate |  |  | 3,598 |  |  |  | 0 |  |  |  | 4,163 |  |  |  | 18 |
Commercial other |  |  | 667 |  |  |  | 0 |  |  |  | 693 |  |  |  | 0 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 7,102 |  |  |  | 56 |  |  |  | 7,413 |  |  |  | 105 |
Commercial secured by real estate |  |  | 33,937 |  |  |  | 387 |  |  |  | 35,589 |  |  |  | 792 |
Commercial other |  |  | 12,113 |  |  |  | 169 |  |  |  | 12,290 |  |  |  | 317 |
Real estate mortgage |  |  | 1,764 |  |  |  | 14 |  |  |  | 1,893 |  |  |  | 30 |
Total |  | $ | 54,916 |  |  | $ | 626 |  |  | $ | 57,185 |  |  | $ | 1,244 |
*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, 2017 and 2016 and the year ended December 31, 2016:
|  | Three Months Ended June 30, 2017 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post-Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 2 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 114 |  |  | $ | 114 |
Commercial secured by real estate |  |  | 4 |  |  |  | 530 |  |  |  | 0 |  |  |  | 192 |  |  |  | 722 |
Commercial other |  |  | 7 |  |  |  | 82 |  |  |  | 0 |  |  |  | 136 |  |  |  | 218 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate construction |  |  | 1 |  |  |  | 846 |  |  |  | 0 |  |  |  | 0 |  |  |  | 846 |
Total troubled debt restructurings |  |  | 14 |  |  | $ | 1,458 |  |  | $ | 0 |  |  | $ | 442 |  |  | $ | 1,900 |
|  | Six Months Ended June 30, 2017 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post-Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 2 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 114 |  |  | $ | 114 |
Commercial secured by real estate |  |  | 5 |  |  |  | 579 |  |  |  | 0 |  |  |  | 192 |  |  |  | 771 |
Commercial other |  |  | 9 |  |  |  | 135 |  |  |  | 0 |  |  |  | 136 |  |  |  | 271 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate construction |  |  | 1 |  |  |  | 846 |  |  |  | 0 |  |  |  | 0 |  |  |  | 846 |
Real estate mortgage |  |  | 1 |  |  |  | 323 |  |  |  | 0 |  |  |  | 0 |  |  |  | 323 |
Total troubled debt restructurings |  |  | 18 |  |  | $ | 1,883 |  |  | $ | 0 |  |  | $ | 442 |  |  | $ | 2,325 |
|  | Three Months Ended June 30, 2016 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post-Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 4 |  |  | $ | 120 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 120 |
Commercial secured by real estate |  |  | 8 |  |  |  | 1,611 |  |  |  | 0 |  |  |  | 536 |  |  |  | 2,147 |
Commercial other |  |  | 6 |  |  |  | 440 |  |  |  | 0 |  |  |  | 0 |  |  |  | 440 |
Total troubled debt restructurings |  |  | 18 |  |  | $ | 2,171 |  |  | $ | 0 |  |  | $ | 536 |  |  | $ | 2,707 |
|  | Six Months Ended June 30, 2016 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post-Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 5 |  |  | $ | 1,408 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,408 |
Commercial secured by real estate |  |  | 21 |  |  |  | 5,609 |  |  |  | 0 |  |  |  | 580 |  |  |  | 6,189 |
Commercial other |  |  | 16 |  |  |  | 5,041 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5,041 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 1 |  |  |  | 0 |  |  |  | 0 |  |  |  | 280 |  |  |  | 280 |
Total troubled debt restructurings |  |  | 43 |  |  | $ | 12,058 |  |  | $ | 0 |  |  | $ | 860 |  |  | $ | 12,918 |
|  | Year Ended December 31, 2016 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post-Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 1 |  |  | $ | 1,288 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,288 |
Commercial secured by real estate |  |  | 27 |  |  |  | 8,827 |  |  |  | 0 |  |  |  | 581 |  |  |  | 9,408 |
Commercial other |  |  | 14 |  |  |  | 5,088 |  |  |  | 0 |  |  |  | 87 |  |  |  | 5,175 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 1 |  |  |  | 0 |  |  |  | 0 |  |  |  | 281 |  |  |  | 281 |
Total troubled debt restructurings |  |  | 43 |  |  | $ | 15,203 |  |  | $ | 0 |  |  | $ | 949 |  |  | $ | 16,152 |
Summary of Defaulted Restructured Loans | Presented below, segregated by class of loans, are loans that were modified as troubled debt restructurings within the prior twelve months which subsequently defaulted during the three and six months ended June 30, 2016. There were no such loans that defaulted during the three and six months ended June 30, 2017. CTBI 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, 2016 |  |  | Six Months Ended June 30, 2016 |
|  | Number of Loans |  |  | Recorded Balance |  |  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate |  |  | 0 |  |  | $ | 0 |  |  |  | 1 |  |  | $ | 510 |
Commercial other |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 358 |
Total defaulted restructured loans |  |  | 0 |  |  | $ | 0 |  |  |  | 2 |  |  | $ | 868 |

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