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Loans (Tables)

12 Months Ended

Dec. 31, 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)		December 31 2017				December 31 2016
Commercial construction		$	76,479			$	66,998
Commercial secured by real estate			1,188,680				1,085,428
Equipment lease financing			3,042				5,512
Commercial other			351,034				350,159
Real estate construction			67,358				57,966
Real estate mortgage			709,570				702,969
Home equity			99,356				91,511
Consumer direct			137,754				133,093
Consumer indirect			489,667				444,735
Total loans		$	3,122,940			$	2,938,371

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		December 31 2017				December 31 2016
Commercial:
Commercial construction		$	1,207			$	1,912
Commercial secured by real estate			7,028				6,326
Commercial other			934				1,559
Residential:
Real estate construction			318				11
Real estate mortgage			8,243				6,260
Home equity			389				555
Total nonaccrual loans		$	18,119			$	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 December 31, 2017 and 2016:

		December 31, 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		$	138			$	0			$	1,238			$	1,376			$	75,103			$	76,479			$	31
Commercial secured by real estate			4,047				1,599				8,514				14,160				1,174,520				1,188,680				2,665
Equipment lease financing			430				0				0				430				2,612				3,042				0
Commercial other			835				77				652				1,564				349,470				351,034				87
Residential:
Real estate construction			224				202				223				649				66,709				67,358				223
Real estate mortgage			2,064				5,029				11,605				18,698				690,872				709,570				6,293
Home equity			595				178				428				1,201				98,155				99,356				167
Consumer:
Consumer direct			983				148				62				1,193				136,561				137,754				62
Consumer indirect			4,085				1,399				648				6,132				483,535				489,667				648
Total		$	13,401			$	8,632			$	23,370			$	45,403			$	3,077,537			$	3,122,940			$	10,176

		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 December 31, 2017 and 2016:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
December 31, 2017
Pass		$	67,846			$	1,053,701			$	3,005			$	305,655			$	1,430,207
Watch			3,323				65,182				0				29,008				97,513
OAEM			1,304				22,401				37				3,206				26,948
Substandard			3,828				47,223				0				12,947				63,998
Doubtful			178				173				0				218				569
Total		$	76,479			$	1,188,680			$	3,042			$	351,034			$	1,619,235
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 December 31, 2017 and 2016:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
December 31, 2017
Performing		$	66,817			$	695,034			$	98,800			$	137,692			$	489,019			$	1,487,362
Nonperforming (1)			541				14,536				556				62				648				16,343
Total		$	67,358			$	709,570			$	99,356			$	137,754			$	489,667			$	1,503,705
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 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, 2017, 2016, and 2015:

		December 31, 2017
(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		$	4,431			$	4,439			$	0			$	4,835			$	200
Commercial secured by real estate			28,480				30,365				0				27,753				1,344
Equipment lease financing			0				0				0				34				0
Commercial other			9,481				11,252				0				10,444				539
Real estate construction			318				318				0				534				0
Real estate mortgage			1,564				1,570				0				1,591				36
Loans with a specific valuation allowance:
Commercial construction			153				173				25				155				0
Commercial secured by real estate			2,985				4,095				966				3,932				8
Commercial other			0				0				0				65				0
Totals:
Commercial construction			4,584				4,612				25				4,990				200
Commercial secured by real estate			31,465				34,460				966				31,685				1,352
Equipment lease financing			0				0				0				34				0
Commercial other			9,481				11,252				0				10,509				539
Real estate construction			318				318				0				534				0
Real estate mortgage			1,564				1,570				0				1,591				36
Total		$	47,412			$	52,212			$	991			$	49,343			$	2,127

		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
Equipment lease financing			0				0				0				0				0
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
Equipment lease financing			0				0				0				0				0
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

		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
Equipment lease financing			0				0				0				0				0
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
Equipment lease financing			0				0				0				0				0
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

*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, 2017 and 2016:

		Year Ended December 31, 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			15				2,199				0				192				2,391
Commercial other			22				1,072				0				136				1,208
Residential:
Real estate construction			1				846				0				0				846
Real estate mortgage			3				988				0				0				988
Total troubled debt restructurings			43			$	5,105			$	0			$	442			$	5,547

		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 construction			0				0				0				0				0
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 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, 2017
		Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			0			$	0
Commercial other			0				0
Residential:
Real estate construction			1				846
Real estate mortgage			0				0
Total defaulted restructured loans			1			$	846

(in thousands)		Year Ended December 31, 2016
		Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			1			$	67
Commercial other			1				12
Residential:
Real estate construction			0				0
Real estate mortgage			0				0
Total defaulted restructured loans			2			$	79

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