XML 94 R26.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Concentrations of Credit Risk
12 Months Ended
Dec. 31, 2019
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, 2019 and 2018, our concentrations of hotel/motel industry credits were 43% and 41% of Tier 1 Capital plus the allowance for loan and lease losses, respectively.  Lessors of non-residential buildings credits were 38% and 39%, respectively.  Lessors of residential buildings and dwellings were 41% and 39%, respectively.  These percentages are within our internally established limits regarding concentrations of credit.