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Loans (Tables)

12 Months Ended

Dec. 31, 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)		December 31 2018				December 31 2017
Commercial construction		$	82,715			$	76,479
Commercial secured by real estate			1,183,093				1,188,680
Equipment lease financing			1,740				3,042
Commercial other			377,198				351,034
Real estate construction			57,160				67,358
Real estate mortgage			722,417				709,570
Home equity			106,299				99,356
Consumer direct			144,289				137,754
Consumer indirect			533,727				489,667
Total loans		$	3,208,638			$	3,122,940

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans segregated by class of loans were as follows:

(in thousands)		December 31 2018				December 31 2017
Commercial:
Commercial construction		$	639			$	1,207
Commercial secured by real estate			4,537				7,028
Commercial other			797				934
Residential:
Real estate construction			22				318
Real estate mortgage			5,395				8,243
Home equity			477				389
Total nonaccrual loans		$	11,867			$	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 December 31, 2018 and 2017:

		December 31, 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		$	87			$	58			$	698			$	843			$	81,872			$	82,715			$	58
Commercial secured by real estate			6,287				1,204				8,776				16,267				1,166,826				1,183,093				4,632
Equipment lease financing			0				0				0				0				1,740				1,740				0
Commercial other			1,057				94				1,067				2,218				374,980				377,198				581
Residential:
Real estate construction			144				438				28				610				56,550				57,160				6
Real estate mortgage			1,272				5,645				7,607				14,524				707,893				722,417				4,095
Home equity			898				365				441				1,704				104,595				106,299				246
Consumer:
Consumer direct			918				191				74				1,183				143,106				144,289				74
Consumer indirect			4,715				975				507				6,197				527,530				533,727				506
Total		$	15,378			$	8,970			$	19,198			$	43,546			$	3,165,092			$	3,208,638			$	10,198

		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 December 31, 2018 and 2017:

(in thousands)		Commercial Construction				Commercial Secured by Real Estate				Equipment Leases				Commercial Other				Total
December 31, 2018
Pass		$	74,222			$	1,038,309			$	1,740			$	327,431			$	1,441,702
Watch			3,070				71,834				0				28,986				103,890
OAEM			1,594				19,734				0				5,735				27,063
Substandard			3,829				53,125				0				14,970				71,924
Doubtful			0				91				0				76				167
Total		$	82,715			$	1,183,093			$	1,740			$	377,198			$	1,644,746
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 December 31, 2018 and 2017:

(in thousands)		Real Estate Construction				Real Estate Mortgage				Home Equity				Consumer Direct				Consumer Indirect				Total
December 31, 2018
Performing		$	57,132			$	712,927			$	105,576			$	144,215			$	533,221			$	1,553,071
Nonperforming (1)			28				9,490				723				74				506				10,821
Total		$	57,160			$	722,417			$	106,299			$	144,289			$	533,727			$	1,563,892
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 years ended December 31, 2018, 2017, and 2016:

		December 31, 2018
(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		$	4,100			$	4,100			$	0			$	3,923			$	171
Commercial secured by real estate			29,645				31,409				0				30,250				1,412
Equipment lease financing			0				0				0				0				0
Commercial other			8,285				9,982				0				8,774				530
Real estate construction			0				0				0				106				0
Real estate mortgage			1,882				1,882				0				1,666				41
Loans with a specific valuation allowance:
Commercial construction			127				127				50				42				0
Commercial secured by real estate			1,854				2,983				605				2,051				1
Commercial other			473				473				146				285				16
Totals:
Commercial construction			4,227				4,227				50				3,965				171
Commercial secured by real estate			31,499				34,392				605				32,301				1,413
Equipment lease financing			0				0				0				0				0
Commercial other			8,758				10,455				146				9,059				546
Real estate construction			0				0				0				106				0
Real estate mortgage			1,882				1,882				0				1,666				41
Total		$	46,366			$	50,956			$	801			$	47,097			$	2,171

		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

*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, 2018 and 2017:

		Year Ended December 31, 2018
(in thousands)		Number of Loans				Term Modification				Rate Modification				Combination				Post-Modification Outstanding Balance
Commercial:
Commercial construction			5			$	2,182			$	0			$	15			$	2,197
Commercial secured by real estate			24				4,004				0				1,383				5,387
Commercial other			8				465				0				0				465
Residential:
Real estate construction			0				0				0				0				0
Real estate mortgage			3				264				0				704				968
Total troubled debt restructurings			40			$	6,915			$	0			$	2,102			$	9,017

		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

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, 2018
		Number of Loans				Recorded Balance
Commercial:
Commercial construction			2			$	148
Commercial secured by real estate			1				17
Commercial other			1				84
Residential:
Real estate construction			0				0
Total defaulted restructured loans			4			$	249

(in thousands)		Year Ended December 31, 2017
		Number of Loans				Recorded Balance
Commercial:
Commercial construction			0			$	0
Commercial secured by real estate			0				0
Commercial other			0				0
Residential:
Real estate construction			1				846
Total defaulted restructured loans			1			$	846

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