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Concentrations of Credit Risk
12 Months Ended
Dec. 31, 2017
Concentrations of Credit Risk [Abstract]  
Concentrations of Credit Risk
19.  Concentrations of Credit Risk

CTBI’s banking activities include granting commercial, residential, and consumer loans to customers primarily located in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee.  CTBI is continuing to manage all components of its portfolio mix in a manner to reduce risk from changes in economic conditions. Concentrations of credit, as defined for regulatory purposes, are reviewed quarterly by management to ensure that internally established limits based on Tier 1 Capital plus the allowance for loan and lease losses are not exceeded.  At December 31, 2017 and 2016, our concentrations of hotel/motel industry credits were 47% and 41% of Tier 1 Capital plus the allowance for loan and lease losses, respectively.  Lessors of non-residential buildings credits were 45% and 45%, respectively.  Lessors of residential buildings and dwellings were 39% and 37%, respectively.  These percentages are within our internally established limits regarding concentrations of credit.