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Loans (Tables)

6 Months Ended

Jun. 30, 2018

Loans [Abstract]

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 2018				December 31 2017
Commercial construction		$	81,196			$	76,479
Commercial secured by real estate			1,191,711				1,188,680
Equipment lease financing			2,354				3,042
Commercial other			352,410				351,034
Real estate construction			64,817				67,358
Real estate mortgage			720,696				709,570
Home equity			102,432				99,356
Consumer direct			145,376				137,754
Consumer indirect			508,050				489,667
Total loans		$	3,169,042			$	3,122,940

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		June 30 2018				December 31 2017
Commercial:
Commercial construction		$	573			$	1,207
Commercial secured by real estate			5,921				7,028
Commercial other			682				934
Residential:
Real estate construction			43				318
Real estate mortgage			7,169				8,243
Home equity			424				389
Total nonaccrual loans		$	14,812			$	18,119

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, 2018 and December 31, 2017:

		June 30, 2018
(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			$	32			$	588			$	620			$	80,576			$	81,196			$	15
Commercial secured by real estate			9,973				984				8,146				19,103				1,172,608				1,191,711				3,242
Equipment lease financing			0				0				0				0				2,354				2,354				0
Commercial other			951				503				430				1,884				350,526				352,410				219
Residential:
Real estate construction			241				47				83				371				64,446				64,817				74
Real estate mortgage			1,025				5,290				8,246				14,561				706,135				720,696				3,082
Home equity			999				123				365				1,487				100,945				102,432				179
Consumer:
Consumer direct			875				177				56				1,108				144,268				145,376				57
Consumer indirect			3,464				841				321				4,626				503,424				508,050				321
Total		$	17,528			$	7,997			$	18,235			$	43,760			$	3,125,282			$	3,169,042			$	7,189

		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

*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, 2018 and December 31, 2017:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
June 30, 2018
Pass		$	72,673			$	1,042,821			$	2,354			$	308,248			$	1,426,096
Watch			3,584				84,787				0				29,211				117,582
OAEM			1,325				11,120				0				3,115				15,560
Substandard			3,614				52,889				0				11,639				68,142
Doubtful			0				94				0				197				291
Total		$	81,196			$	1,191,711			$	2,354			$	352,410			$	1,627,671
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

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, 2018 and December 31, 2017:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
June 30, 2018
Performing		$	64,700			$	710,445			$	101,829			$	145,319			$	507,729			$	1,530,022
Nonperforming (1)			117				10,251				603				57				321				11,349
Total		$	64,817			$	720,696			$	102,432			$	145,376			$	508,050			$	1,541,371
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

(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, 2018, December 31, 2017, and June 30, 2017:

		June 30, 2018
(in thousands)		Recorded Balance				Unpaid Contractual Principal Balance				Specific Allowance
Loans without a specific valuation allowance:
Commercial construction		$	4,299			$	4,299			$	0
Commercial secured by real estate			29,718				31,653				0
Commercial other			8,606				10,250				0
Real estate mortgage			1,621				1,621				0
Loans with a specific valuation allowance:
Commercial secured by real estate			2,156				3,277				807
Commercial other			343				343				100
Totals:
Commercial construction			4,299				4,299				0
Commercial secured by real estate			31,874				34,930				807
Commercial other			8,949				10,593				100
Real estate mortgage			1,621				1,621				0
Total		$	46,743			$	51,443			$	907

		Three Months Ended								Six Months Ended
		June 30, 2018								June 30, 2018
(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		$	4,353			$	69			$	4,261			$	106
Commercial secured by real estate			29,982				372				30,774				724
Commercial other			8,722				128				9,027				280
Real estate construction			0				0				159				0
Real estate mortgage			1,621				11				1,453				11
Loans with a specific valuation allowance:
Commercial secured by real estate			2,199				1				2,166				1
Commercial other			321				4				161				4
Totals:
Commercial construction			4,353				69				4,261				106
Commercial secured by real estate			32,181				373				32,940				725
Commercial other			9,043				132				9,188				284
Real estate construction			0				0				159				0
Real estate mortgage			1,621				11				1,453				11
Total		$	47,198			$	585			$	48,001			$	1,126

		Year Ended 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

		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

*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, 2018 and 2017 and the year ended December 31, 2017:

		Three Months Ended June 30, 2018
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			2			$	411			$	0			$	0			$	411
Commercial secured by real estate			8				1,773				0				0				1,773
Commercial other			3				283				0				0				283
Total troubled debt restructurings			13			$	2,467			$	0			$	0			$	2,467

		Six Months Ended June 30, 2018
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			4			$	443			$	0			$	15			$	458
Commercial secured by real estate			17				2,559				0				983				3,542
Commercial other			8				465				0				0				465
Total troubled debt restructurings			29			$	3,467			$	0			$	998			$	4,465

		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

		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

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)		Three Months Ended June 30, 2018								Three Months Ended June 30, 2017
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			1			$	17				0			$	0
Commercial other			1				25				0				0
Total defaulted restructured loans			2			$	42				0			$	0

(in thousands)		Six Months Ended June 30, 2018								Six Months Ended June 30, 2017
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Commercial secured by real estate			1			$	17				0			$	0
Commercial other			1				25				0				0
Total defaulted restructured loans			2			$	42				0			$	0

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