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Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
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 fees, and net premiums on acquired loans, are summarized as follows:
(in thousands) |  | March 31, 2020 |
Hotel/motel |  | $ | 248,717 |
Commercial real estate residential |  |  | 262,065 |
Commercial real estate nonresidential |  |  | 771,687 |
Dealer floorplans |  |  | 80,828 |
Commercial other |  |  | 313,646 |
Commercial loans |  |  | 1,676,943 |
Real estate mortgage |  |  | 798,891 |
Home equity lines |  |  | 111,837 |
Residential loans |  |  | 910,728 |
Consumer direct |  |  | 145,403 |
Consumer indirect |  |  | 554,467 |
Consumer loans |  |  | 699,870 |
Loans and lease financing |  | $ | 3,287,541 |
(in thousands) |  | December 31, 2019 |
Commercial construction |  | $ | 104,809 |
Commercial secured by real estate |  |  | 1,169,975 |
Equipment lease financing |  |  | 481 |
Commercial other |  |  | 389,683 |
Real estate construction |  |  | 63,350 |
Real estate mortgage |  |  | 733,003 |
Home equity |  |  | 111,894 |
Consumer direct |  |  | 148,051 |
Consumer indirect |  |  | 527,418 |
Total loans |  | $ | 3,248,664 |
Activity in Allowance for Credit Losses and Allowance for Loan and Lease Losses | The following tables present the balance in the allowance for credit losses (“ACL”) for the period ended March 31, 2020 and the balance in the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2019 and March 31, 2019:
|  | March 31, 2020 |
(in thousands) |  | Hotel/ Motel |  |  | Commercial Real Estate Residential |  |  | Commercial Real Estate Nonresidential |  |  | Dealer Floorplans |  |  | Commercial Other |  |  | Real Estate Mortgage |  |  | Home Equity |  |  | Consumer Direct |  |  | Consumer Indirect |  |  | Total |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, prior to adoption of ASC 326 |  | $ | 3,371 |  |  | $ | 3,439 |  |  | $ | 8,515 |  |  | $ | 802 |  |  | $ | 5,556 |  |  | $ | 4,604 |  |  | $ | 897 |  |  | $ | 1,711 |  |  | $ | 6,201 |  |  | $ | 35,096 |
Impact of adoption of ASC 326 |  |  | 170 |  |  |  | (721 | ) |  |  | 119 |  |  |  | 820 |  |  |  | (391 | ) |  |  | 1,893 |  |  |  | (75 | ) |  |  | (40 | ) |  |  | 1,265 |  |  |  | 3,040 |
Provision charged to expense |  |  | 2,381 |  |  |  | 1,337 |  |  |  | 2,984 |  |  |  | 91 |  |  |  | 1,434 |  |  |  | 1,099 |  |  |  | 67 |  |  |  | 739 |  |  |  | 2,575 |  |  |  | 12,707 |
Losses charged off |  |  | 0 |  |  |  | (51 | ) |  |  | (59 | ) |  |  | 0 |  |  |  | (359 | ) |  |  | (60 | ) |  |  | 0 |  |  |  | (369 | ) |  |  | (1,517 | ) |  |  | (2,415 | )
Recoveries |  |  | 0 |  |  |  | 8 |  |  |  | 4 |  |  |  | 0 |  |  |  | 169 |  |  |  | 7 |  |  |  | 1 |  |  |  | 122 |  |  |  | 706 |  |  |  | 1,017 |
Ending balance |  | $ | 5,922 |  |  | $ | 4,012 |  |  | $ | 11,563 |  |  | $ | 1,713 |  |  | $ | 6,409 |  |  | $ | 7,543 |  |  | $ | 890 |  |  | $ | 2,163 |  |  | $ | 9,230 |  |  | $ | 49,445 |
|  | December 31, 2019 |
|  | Commercial Construction |  |  | Commercial Secured by Real Estate |  |  | Equipment Lease Financing |  |  | Commercial Other |  |  | Real Estate Construction |  |  | Real Estate Mortgage |  |  | Home Equity |  |  | Consumer Direct |  |  | Consumer Indirect |  |  | Total |
ALLL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year |  | $ | 862 |  |  | $ | 14,531 |  |  | $ | 12 |  |  | $ | 4,993 |  |  | $ | 512 |  |  | $ | 4,433 |  |  | $ | 841 |  |  | $ | 1,883 |  |  | $ | 7,841 |  |  | $ | 35,908 |
Provision charged to expense |  |  | 497 |  |  |  | (137 | ) |  |  | (8 | ) |  |  | 3,032 |  |  |  | (40 | ) |  |  | 414 |  |  |  | 172 |  |  |  | 528 |  |  |  | 361 |  |  |  | 4,819 |
Losses charged off |  |  | (72 | ) |  |  | (727 | ) |  |  | 0 |  |  |  | (2,179 | ) |  |  | (100 | ) |  |  | (767 | ) |  |  | (139 | ) |  |  | (1,100 | ) |  |  | (4,652 | ) |  |  | (9,736 | )
Recoveries |  |  | 12 |  |  |  | 358 |  |  |  | 0 |  |  |  | 509 |  |  |  | 0 |  |  |  | 152 |  |  |  | 23 |  |  |  | 400 |  |  |  | 2,651 |  |  |  | 4,105 |
Balance, end of year |  | $ | 1,299 |  |  | $ | 14,025 |  |  | $ | 4 |  |  | $ | 6,355 |  |  | $ | 372 |  |  | $ | 4,232 |  |  | $ | 897 |  |  | $ | 1,711 |  |  | $ | 6,201 |  |  | $ | 35,096 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 99 |  |  | $ | 227 |  |  | $ | 0 |  |  | $ | 886 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,212 |
Collectively evaluated for impairment |  | $ | 1,200 |  |  | $ | 13,798 |  |  | $ | 4 |  |  | $ | 5,469 |  |  | $ | 372 |  |  | $ | 4,232 |  |  | $ | 897 |  |  | $ | 1,711 |  |  | $ | 6,201 |  |  | $ | 33,884 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,010 |  |  | $ | 41,379 |  |  | $ | 0 |  |  | $ | 11,073 |  |  | $ | 0 |  |  | $ | 2,309 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 57,771 |
Collectively evaluated for impairment |  | $ | 101,799 |  |  | $ | 1,128,596 |  |  | $ | 481 |  |  | $ | 378,610 |  |  | $ | 63,350 |  |  | $ | 730,694 |  |  | $ | 111,894 |  |  | $ | 148,051 |  |  | $ | 527,418 |  |  | $ | 3,190,893 |
|  | March 31, 2019 |
(in thousands) |  | Commercial Construction |  |  | Commercial Secured by Real Estate |  |  | Equipment Lease Financing |  |  | Commercial Other |  |  | Real Estate Construction |  |  | Real Estate Mortgage |  |  | Home Equity |  |  | Consumer Direct |  |  | Consumer Indirect |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 862 |  |  | $ | 14,531 |  |  | $ | 12 |  |  | $ | 4,993 |  |  | $ | 512 |  |  | $ | 4,433 |  |  | $ | 841 |  |  | $ | 1,883 |  |  | $ | 7,841 |  |  | $ | 35,908 |
Provision charged to expense |  |  | 38 |  |  |  | 287 |  |  |  | (2 | ) |  |  | 382 |  |  |  | (116 | ) |  |  | (278 | ) |  |  | 84 |  |  |  | (119 | ) |  |  | (86 | ) |  |  | 190 |
Losses charged off |  |  | 0 |  |  |  | (35 | ) |  |  | 0 |  |  |  | (242 | ) |  |  | 0 |  |  |  | (120 | ) |  |  | (25 | ) |  |  | (246 | ) |  |  | (1,387 | ) |  |  | (2,055 | )
Recoveries |  |  | 3 |  |  |  | 17 |  |  |  | 0 |  |  |  | 84 |  |  |  | 0 |  |  |  | 18 |  |  |  | 1 |  |  |  | 117 |  |  |  | 721 |  |  |  | 961 |
Ending balance |  | $ | 903 |  |  | $ | 14,800 |  |  | $ | 10 |  |  | $ | 5,217 |  |  | $ | 396 |  |  | $ | 4,053 |  |  | $ | 901 |  |  | $ | 1,635 |  |  | $ | 7,089 |  |  | $ | 35,004 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 164 |  |  | $ | 847 |  |  | $ | 0 |  |  | $ | 620 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,631 |
Collectively evaluated for impairment |  | $ | 739 |  |  | $ | 13,953 |  |  | $ | 10 |  |  | $ | 4,597 |  |  | $ | 396 |  |  | $ | 4,053 |  |  | $ | 901 |  |  | $ | 1,635 |  |  | $ | 7,089 |  |  | $ | 33,373 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,632 |  |  | $ | 34,329 |  |  | $ | 0 |  |  | $ | 10,057 |  |  | $ | 0 |  |  | $ | 2,337 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 50,355 |
Collectively evaluated for impairment |  | $ | 71,732 |  |  | $ | 1,148,475 |  |  | $ | 1,354 |  |  | $ | 378,003 |  |  | $ | 54,013 |  |  | $ | 717,955 |  |  | $ | 108,018 |  |  | $ | 141,855 |  |  | $ | 517,972 |  |  | $ | 3,139,377 |
Nonaccrual Loans Segregated by Class of Loans | Refer to note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Per ASC 326, nonaccrual loans segregated by class of loans and loans 90 days past due and still accruing segregated by class of loans were as follows:
|  | March 31, 2020 |
(in thousands) |  | Nonaccrual Loans with No ACL |  |  | Nonaccrual Loan with ACL |  |  | 90+ and Still Accruing |  |  | Total Nonperforming Loans |
Hotel/motel |  | $ | 0 |  |  | $ | 0 |  |  | $ | 133 |  |  | $ | 133 |
Commercial real estate residential |  |  | 206 |  |  |  | 1,312 |  |  |  | 4,636 |  |  |  | 6,154 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 3,404 |  |  |  | 7,128 |  |  |  | 10,532 |
Dealer floorplans |  |  | 0 |  |  |  | 56 |  |  |  | 0 |  |  |  | 56 |
Commercial other |  |  | 0 |  |  |  | 6,316 |  |  |  | 479 |  |  |  | 6,795 |
Total commercial loans |  |  | 206 |  |  |  | 11,088 |  |  |  | 12,376 |  |  |  | 23,670 |
Real estate mortgage |  |  | 0 |  |  |  | 5,286 |  |  |  | 4,730 |  |  |  | 10,016 |
Home equity lines |  |  | 0 |  |  |  | 753 |  |  |  | 435 |  |  |  | 1,188 |
Total residential loans |  |  | 0 |  |  |  | 6,039 |  |  |  | 5,165 |  |  |  | 11,204 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 38 |  |  |  | 38 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 465 |  |  |  | 465 |
Total consumer loans |  |  | 0 |  |  |  | 0 |  |  |  | 503 |  |  |  | 503 |
Loans and lease financing |  | $ | 206 |  |  | $ | 17,127 |  |  | $ | 18,044 |  |  | $ | 35,377 |
(in thousands) |  | December 31, 2019 |
Commercial: |  |  |
Commercial construction |  | $ | 230 |
Commercial secured by real estate |  |  | 3,759 |
Commercial other |  |  | 3,839 |
Residential: |  |  |  |
Real estate construction |  |  | 634 |
Real estate mortgage |  |  | 4,821 |
Home equity |  |  | 716 |
Total nonaccrual loans |  | $ | 13,999 |
Bank's Loan Portfolio Aging Analysis, Segregated by Class | The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of March 31, 2020 and December 31, 2019:
March 31, 2020 |
(in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |
Hotel/motel |  | $ | 0 |  |  | $ | 0 |  |  | $ | 133 |  |  | $ | 133 |  |  | $ | 248,584 |  |  | $ | 248,717 |
Commercial real estate residential |  |  | 1,514 |  |  |  | 1,412 |  |  |  | 6,128 |  |  |  | 9,054 |  |  |  | 253,011 |  |  |  | 262,065 |
Commercial real estate nonresidential |  |  | 2,257 |  |  |  | 4,570 |  |  |  | 9,924 |  |  |  | 16,751 |  |  |  | 754,936 |  |  |  | 771,687 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 80,828 |  |  |  | 80,828 |
Commercial other |  |  | 1,683 |  |  |  | 686 |  |  |  | 6,594 |  |  |  | 8,963 |  |  |  | 304,683 |  |  |  | 313,646 |
Total commercial loans |  |  | 5,454 |  |  |  | 6,668 |  |  |  | 22,779 |  |  |  | 34,901 |  |  |  | 1,642,042 |  |  |  | 1,676,943 |
Real estate mortgage |  |  | 2,561 |  |  |  | 3,154 |  |  |  | 7,901 |  |  |  | 13,616 |  |  |  | 785,275 |  |  |  | 798,891 |
Home equity lines |  |  | 831 |  |  |  | 156 |  |  |  | 733 |  |  |  | 1,720 |  |  |  | 110,117 |  |  |  | 111,837 |
Total residential loans |  |  | 3,392 |  |  |  | 3,310 |  |  |  | 8,634 |  |  |  | 15,336 |  |  |  | 895,392 |  |  |  | 910,728 |
Consumer direct |  |  | 735 |  |  |  | 589 |  |  |  | 38 |  |  |  | 1,362 |  |  |  | 144,041 |  |  |  | 145,403 |
Consumer indirect |  |  | 4,153 |  |  |  | 816 |  |  |  | 465 |  |  |  | 5,434 |  |  |  | 549,033 |  |  |  | 554,467 |
Total consumer loans |  |  | 4,888 |  |  |  | 1,405 |  |  |  | 503 |  |  |  | 6,796 |  |  |  | 693,074 |  |  |  | 699,870 |
Loans and lease financing |  | $ | 13,734 |  |  | $ | 11,383 |  |  | $ | 31,916 |  |  | $ | 57,033 |  |  | $ | 3,230,508 |  |  | $ | 3,287,541 |
|  | December 31, 2019 |
(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 |  | $ | 118 |  |  | $ | 0 |  |  | $ | 467 |  |  | $ | 585 |  |  | $ | 104,224 |  |  | $ | 104,809 |  |  | $ | 237 |
Commercial secured by real estate |  |  | 2,734 |  |  |  | 5,969 |  |  |  | 12,366 |  |  |  | 21,069 |  |  |  | 1,148,906 |  |  |  | 1,169,975 |  |  |  | 8,820 |
Equipment lease financing |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 481 |  |  |  | 481 |  |  |  | 0 |
Commercial other |  |  | 880 |  |  |  | 284 |  |  |  | 6,267 |  |  |  | 7,431 |  |  |  | 382,252 |  |  |  | 389,683 |  |  |  | 2,586 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate construction |  |  | 117 |  |  |  | 52 |  |  |  | 634 |  |  |  | 803 |  |  |  | 62,547 |  |  |  | 63,350 |  |  |  | 0 |
Real estate mortgage |  |  | 774 |  |  |  | 5,376 |  |  |  | 10,320 |  |  |  | 16,470 |  |  |  | 716,533 |  |  |  | 733,003 |  |  |  | 7,088 |
Home equity |  |  | 1,084 |  |  |  | 412 |  |  |  | 736 |  |  |  | 2,232 |  |  |  | 109,662 |  |  |  | 111,894 |  |  |  | 344 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer direct |  |  | 945 |  |  |  | 230 |  |  |  | 97 |  |  |  | 1,272 |  |  |  | 146,779 |  |  |  | 148,051 |  |  |  | 97 |
Consumer indirect |  |  | 4,037 |  |  |  | 909 |  |  |  | 447 |  |  |  | 5,393 |  |  |  | 522,025 |  |  |  | 527,418 |  |  |  | 448 |
Loans and lease financing |  | $ | 10,689 |  |  | $ | 13,232 |  |  | $ | 31,334 |  |  | $ | 55,255 |  |  | $ | 3,193,409 |  |  | $ | 3,248,664 |  |  | $ | 19,620 |
*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 and based on last credit decision or year of origination:
|  | Term Loans Amortized Cost Basis by Origination Year |
(in thousands) |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 8,621 |  |  | $ | 71,038 |  |  | $ | 41,059 |  |  | $ | 53,262 |  |  | $ | 23,743 |  |  | $ | 35,479 |  |  | $ | 74 |  |  | $ | 233,276 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 132 |  |  |  | 1,113 |  |  |  | 8,999 |  |  |  | 5,197 |  |  |  | 0 |  |  |  | 15,441 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total hotel/motel |  | $ | 8,621 |  |  | $ | 71,038 |  |  | $ | 41,191 |  |  | $ | 54,375 |  |  | $ | 32,742 |  |  | $ | 40,676 |  |  | $ | 74 |  |  | $ | 248,717 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 14,777 |  |  | $ | 49,003 |  |  | $ | 35,510 |  |  | $ | 25,537 |  |  | $ | 34,625 |  |  | $ | 69,673 |  |  | $ | 12,213 |  |  | $ | 241,338 |
Special mention |  |  | 0 |  |  |  | 3,102 |  |  |  | 633 |  |  |  | 967 |  |  |  | 451 |  |  |  | 61 |  |  |  | 0 |  |  |  | 5,214 |
Substandard |  |  | 446 |  |  |  | 2,282 |  |  |  | 3,540 |  |  |  | 4,169 |  |  |  | 1,200 |  |  |  | 3,876 |  |  |  | 0 |  |  |  | 15,513 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  | $ | 15,223 |  |  | $ | 54,387 |  |  | $ | 39,683 |  |  | $ | 30,673 |  |  | $ | 36,276 |  |  | $ | 73,610 |  |  | $ | 12,213 |  |  | $ | 262,065 |
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 35,164 |  |  | $ | 128,993 |  |  | $ | 99,550 |  |  | $ | 102,018 |  |  | $ | 113,817 |  |  | $ | 220,958 |  |  | $ | 30,277 |  |  | $ | 730,777 |
Special mention |  |  | 0 |  |  |  | 417 |  |  |  | 71 |  |  |  | 5 |  |  |  | 0 |  |  |  | 3,303 |  |  |  | 20 |  |  |  | 3,816 |
Substandard |  |  | 1,737 |  |  |  | 7,125 |  |  |  | 1,742 |  |  |  | 4,008 |  |  |  | 1,989 |  |  |  | 20,003 |  |  |  | 459 |  |  |  | 37,063 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 31 |  |  |  | 0 |  |  |  | 31 |
Total commercial real estate nonresidential |  | $ | 36,901 |  |  | $ | 136,535 |  |  | $ | 101,363 |  |  | $ | 106,031 |  |  | $ | 115,806 |  |  | $ | 244,295 |  |  | $ | 30,756 |  |  | $ | 771,687 |
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 80,772 |  |  | $ | 80,772 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 56 |  |  |  | 56 |
Total dealer floorplans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 80,828 |  |  | $ | 80,828 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 44,077 |  |  | $ | 49,654 |  |  | $ | 40,094 |  |  | $ | 20,059 |  |  | $ | 10,245 |  |  | $ | 30,174 |  |  | $ | 102,022 |  |  | $ | 296,325 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 5,062 |  |  |  | 285 |  |  |  | 480 |  |  |  | 51 |  |  |  | 0 |  |  |  | 5,878 |
Substandard |  |  | 1,840 |  |  |  | 4,413 |  |  |  | 308 |  |  |  | 501 |  |  |  | 3,451 |  |  |  | 837 |  |  |  | 93 |  |  |  | 11,443 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  | $ | 45,917 |  |  | $ | 54,067 |  |  | $ | 45,464 |  |  | $ | 20,845 |  |  | $ | 14,176 |  |  | $ | 31,062 |  |  | $ | 102,115 |  |  | $ | 313,646 |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 102,639 |  |  | $ | 298,688 |  |  | $ | 216,213 |  |  | $ | 200,876 |  |  | $ | 182,430 |  |  | $ | 356,284 |  |  | $ | 225,358 |  |  | $ | 1,582,488 |
Special mention |  |  | 0 |  |  |  | 3,519 |  |  |  | 5,766 |  |  |  | 1,257 |  |  |  | 931 |  |  |  | 3,415 |  |  |  | 20 |  |  |  | 14,908 |
Substandard |  |  | 4,023 |  |  |  | 13,820 |  |  |  | 5,722 |  |  |  | 9,791 |  |  |  | 15,639 |  |  |  | 29,913 |  |  |  | 552 |  |  |  | 79,460 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 31 |  |  |  | 56 |  |  |  | 87 |
Total commercial loans |  | $ | 106,662 |  |  | $ | 316,027 |  |  | $ | 227,701 |  |  | $ | 211,924 |  |  | $ | 199,000 |  |  | $ | 389,643 |  |  | $ | 225,986 |  |  | $ | 1,676,943 |
(in thousands) |  | Commercial Construction |  |  | Commercial Secured by Real Estate |  |  | Equipment Leases |  |  | Commercial Other |  |  | Total |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 98,102 |  |  | $ | 1,036,573 |  |  | $ | 481 |  |  | $ | 358,203 |  |  | $ | 1,493,359 |
Watch |  |  | 3,595 |  |  |  | 54,338 |  |  |  | 0 |  |  |  | 13,618 |  |  |  | 71,551 |
OAEM |  |  | 254 |  |  |  | 27,964 |  |  |  | 0 |  |  |  | 6,065 |  |  |  | 34,283 |
Substandard |  |  | 2,858 |  |  |  | 51,068 |  |  |  | 0 |  |  |  | 11,737 |  |  |  | 65,663 |
Doubtful |  |  | 0 |  |  |  | 32 |  |  |  | 0 |  |  |  | 60 |  |  |  | 92 |
Total |  | $ | 104,809 |  |  | $ | 1,169,975 |  |  | $ | 481 |  |  | $ | 389,683 |  |  | $ | 1,664,948 |
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:
|  | Term Loans Amortized Cost Basis by Origination Year |
|  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 86 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 8 |  |  | $ | 11,571 |  |  | $ | 98,984 |  |  | $ | 110,649 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 763 |  |  |  | 425 |  |  |  | 1,188 |
Total home equity lines |  | $ | 0 |  |  | $ | 86 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 8 |  |  | $ | 12,334 |  |  | $ | 99,409 |  |  | $ | 111,837 |
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 35,151 |  |  | $ | 161,387 |  |  | $ | 94,854 |  |  | $ | 88,911 |  |  | $ | 70,449 |  |  | $ | 338,123 |  |  | $ | 0 |  |  | $ | 788,875 |
Nonperforming |  |  | 0 |  |  |  | 348 |  |  |  | 596 |  |  |  | 240 |  |  |  | 509 |  |  |  | 8,323 |  |  |  | 0 |  |  |  | 10,016 |
Total mortgage loans |  | $ | 35,151 |  |  | $ | 161,735 |  |  | $ | 95,450 |  |  | $ | 89,151 |  |  | $ | 70,958 |  |  | $ | 346,446 |  |  | $ | 0 |  |  | $ | 798,891 |
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 35,151 |  |  | $ | 161,473 |  |  | $ | 94,854 |  |  | $ | 88,911 |  |  | $ | 70,457 |  |  | $ | 349,694 |  |  | $ | 98,984 |  |  | $ | 899,524 |
Nonperforming |  |  | 0 |  |  |  | 348 |  |  |  | 596 |  |  |  | 240 |  |  |  | 509 |  |  |  | 9,086 |  |  |  | 425 |  |  |  | 11,204 |
Total residential loans |  | $ | 35,151 |  |  | $ | 161,821 |  |  | $ | 95,450 |  |  | $ | 89,151 |  |  | $ | 70,966 |  |  | $ | 358,780 |  |  | $ | 99,409 |  |  | $ | 910,728 |
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 15,792 |  |  | $ | 54,032 |  |  | $ | 29,905 |  |  | $ | 16,359 |  |  | $ | 10,196 |  |  | $ | 19,081 |  |  | $ | 0 |  |  | $ | 145,365 |
Nonperforming |  |  | 0 |  |  |  | 6 |  |  |  | 27 |  |  |  | 4 |  |  |  | 1 |  |  |  | 0 |  |  |  | 0 |  |  |  | 38 |
Total consumer direct loans |  | $ | 15,792 |  |  | $ | 54,038 |  |  | $ | 29,932 |  |  | $ | 16,363 |  |  | $ | 10,197 |  |  | $ | 19,081 |  |  | $ | 0 |  |  | $ | 145,403 |
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 85,017 |  |  | $ | 179,367 |  |  | $ | 145,511 |  |  | $ | 80,000 |  |  | $ | 42,101 |  |  | $ | 22,006 |  |  | $ | 0 |  |  | $ | 554,002 |
Nonperforming |  |  | 0 |  |  |  | 190 |  |  |  | 93 |  |  |  | 105 |  |  |  | 35 |  |  |  | 42 |  |  |  | 0 |  |  |  | 465 |
Total consumer indirect loans |  | $ | 85,017 |  |  | $ | 179,557 |  |  | $ | 145,604 |  |  | $ | 80,105 |  |  | $ | 42,136 |  |  | $ | 22,048 |  |  | $ | 0 |  |  | $ | 554,467 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 100,809 |  |  | $ | 233,399 |  |  | $ | 175,416 |  |  | $ | 96,359 |  |  | $ | 52,297 |  |  | $ | 41,087 |  |  | $ | 0 |  |  | $ | 699,367 |
Nonperforming |  |  | 0 |  |  |  | 196 |  |  |  | 120 |  |  |  | 109 |  |  |  | 36 |  |  |  | 42 |  |  |  | 0 |  |  |  | 503 |
Total consumer loans |  | $ | 100,809 |  |  | $ | 233,595 |  |  | $ | 175,536 |  |  | $ | 96,468 |  |  | $ | 52,333 |  |  | $ | 41,129 |  |  | $ | 0 |  |  | $ | 699,870 |
(in thousands) |  | Real Estate Construction |  |  | Real Estate Mortgage |  |  | Home Equity |  |  | Consumer Direct |  |  | Consumer Indirect |  |  | Total |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 62,716 |  |  | $ | 721,094 |  |  | $ | 110,834 |  |  | $ | 147,954 |  |  | $ | 526,970 |  |  | $ | 1,569,568 |
Nonperforming |  |  | 634 |  |  |  | 11,909 |  |  |  | 1,060 |  |  |  | 97 |  |  |  | 448 |  |  |  | 14,148 |
Total |  | $ | 63,350 |  |  | $ | 733,003 |  |  | $ | 111,894 |  |  | $ | 148,051 |  |  | $ | 527,418 |  |  | $ | 1,583,716 |
Collateral Dependent Loans and Loans With/Without Specific Valuation Allowance | In accordance with ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans in determining the allowance for credit losses, the loan shall be evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent:
|  | March 31, 2020 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 3 |  |  | $ | 14,712 |  |  | $ | 250 |
Commercial real estate residential |  |  | 7 |  |  |  | 5,125 |  |  |  | 92 |
Commercial real estate nonresidential |  |  | 16 |  |  |  | 25,296 |  |  |  | 720 |
Commercial other |  |  | 5 |  |  |  | 9,569 |  |  |  | 957 |
Total collateral dependent loans |  |  | 31 |  |  | $ | 54,702 |  |  | $ | 2,019 |
The hotel/motel, commercial real estate residential, and commercial real estate nonresidential segments are all collateralized with real estate. The five loans listed in the commercial other segment are collateralized by various chattel and real estate collateral with $5.1 million collateralized by a leasehold mortgage and assignment of lease on commercial property as well as furniture, fixtures, and equipment of the leasehold property, $4.1 million primarily collateralized by underground coal mining equipment and junior real estate liens, and the remaining $0.4 million collateralized by a mix of commercial real estate and liens on furniture, fixtures, and equipment.
|  | December 31, 2019 |
(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 |  | $ | 2,836 |  |  | $ | 2,837 |  |  | $ | 0 |  |  | $ | 3,234 |  |  | $ | 170 |
Commercial secured by real estate |  |  | 40,346 |  |  |  | 41,557 |  |  |  | 0 |  |  |  | 36,976 |  |  |  | 1,601 |
Commercial other |  |  | 7,829 |  |  |  | 9,489 |  |  |  | 0 |  |  |  | 9,889 |  |  |  | 460 |
Real estate mortgage |  |  | 2,309 |  |  |  | 2,309 |  |  |  | 0 |  |  |  | 2,385 |  |  |  | 85 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 174 |  |  |  | 174 |  |  |  | 99 |  |  |  | 215 |  |  |  | 11 |
Commercial secured by real estate |  |  | 1,033 |  |  |  | 2,176 |  |  |  | 227 |  |  |  | 1,678 |  |  |  | 15 |
Commercial other |  |  | 3,244 |  |  |  | 3,244 |  |  |  | 886 |  |  |  | 1,323 |  |  |  | 29 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 3,010 |  |  |  | 3,011 |  |  |  | 99 |  |  |  | 3,449 |  |  |  | 181 |
Commercial secured by real estate |  |  | 41,379 |  |  |  | 43,733 |  |  |  | 227 |  |  |  | 38,654 |  |  |  | 1,616 |
Commercial other |  |  | 11,073 |  |  |  | 12,733 |  |  |  | 886 |  |  |  | 11,212 |  |  |  | 489 |
Real estate mortgage |  |  | 2,309 |  |  |  | 2,309 |  |  |  | 0 |  |  |  | 2,385 |  |  |  | 85 |
Total |  | $ | 57,771 |  |  | $ | 61,786 |  |  | $ | 1,212 |  |  | $ | 55,700 |  |  | $ | 2,371 |
|  | March 31, 2019 |
(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 |  | $ | 3,308 |  |  | $ | 3,308 |  |  | $ | 0 |  |  | $ | 3,655 |  |  | $ | 46 |
Commercial secured by real estate |  |  | 32,407 |  |  |  | 34,098 |  |  |  | 0 |  |  |  | 32,811 |  |  |  | 347 |
Commercial other |  |  | 8,903 |  |  |  | 10,598 |  |  |  | 0 |  |  |  | 8,866 |  |  |  | 139 |
Real estate construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate mortgage |  |  | 2,337 |  |  |  | 2,337 |  |  |  | 0 |  |  |  | 2,329 |  |  |  | 19 |
Loans with a specific valuation allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 324 |  |  |  | 324 |  |  |  | 164 |  |  |  | 324 |  |  |  | 3 |
Commercial secured by real estate |  |  | 1,922 |  |  |  | 3,060 |  |  |  | 847 |  |  |  | 1,966 |  |  |  | 10 |
Commercial other |  |  | 1,154 |  |  |  | 1,154 |  |  |  | 620 |  |  |  | 1,169 |  |  |  | 17 |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction |  |  | 3,632 |  |  |  | 3,632 |  |  |  | 164 |  |  |  | 3,979 |  |  |  | 49 |
Commercial secured by real estate |  |  | 34,329 |  |  |  | 37,158 |  |  |  | 847 |  |  |  | 34,777 |  |  |  | 357 |
Commercial other |  |  | 10,057 |  |  |  | 11,752 |  |  |  | 620 |  |  |  | 10,035 |  |  |  | 156 |
Real estate mortgage |  |  | 2,337 |  |  |  | 2,337 |  |  |  | 0 |  |  |  | 2,329 |  |  |  | 19 |
Total |  | $ | 50,355 |  |  | $ | 54,879 |  |  | $ | 1,631 |  |  | $ | 51,120 |  |  | $ | 581 |
Troubled Debt Restructuring | During the first quarter of 2020, certain loans were modified in troubled debt restructurings, where economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the three months ended March 31, 2020 and 2019 and the year ended December 31, 2019:
|  | Three Months Ended March 31, 2020 |
|  |  |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
(in thousands) |  | Number of Loans |  |  | Term |  |  | Total Modification |  |  | Term Modification |  |  | Total Modification |
New troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate residential |  |  | 8 |  |  | $ | 4,397 |  |  | $ | 4,397 |  |  | $ | 4,399 |  |  | $ | 4,399 |
Commercial real estate nonresidential |  |  | 9 |  |  |  | 2,345 |  |  |  | 2,345 |  |  |  | 2,336 |  |  |  | 2,336 |
Commercial other |  |  | 5 |  |  |  | 464 |  |  |  | 464 |  |  |  | 399 |  |  |  | 399 |
Total commercial loans |  |  | 22 |  |  |  | 7,206 |  |  |  | 7,206 |  |  |  | 7,134 |  |  |  | 7,134 |
Real estate mortgage |  |  | 1 |  |  |  | 388 |  |  |  | 388 |  |  |  | 388 |  |  |  | 388 |
Total residential loans |  |  | 1 |  |  |  | 388 |  |  |  | 388 |  |  |  | 388 |  |  |  | 388 |
Total troubled debt restructurings |  |  | 23 |  |  | $ | 7,594 |  |  | $ | 7,594 |  |  | $ | 7,522 |  |  | $ | 7,522 |
|  | Year Ended December 31, 2019 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post- Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate |  |  | 17 |  |  | $ | 6,105 |  |  | $ | 0 |  |  | $ | 679 |  |  | $ | 6,784 |
Commercial other |  |  | 17 |  |  |  | 1,565 |  |  |  | 0 |  |  |  | 264 |  |  |  | 1,829 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 1 |  |  |  | 463 |  |  |  | 0 |  |  |  | 0 |  |  |  | 463 |
Total troubled debt restructurings |  |  | 35 |  |  | $ | 8,133 |  |  | $ | 0 |  |  | $ | 943 |  |  | $ | 9,076 |
|  | Three Months Ended March 31, 2019 |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Rate Modification |  |  | Combination |  |  | Post- Modification Outstanding Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate |  |  | 5 |  |  | $ | 828 |  |  | $ | 0 |  |  | $ | 642 |  |  | $ | 1,470 |
Commercial other |  |  | 7 |  |  |  | 1,122 |  |  |  | 0 |  |  |  | 140 |  |  |  | 1,262 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 1 |  |  |  | 463 |  |  |  | 0 |  |  |  | 0 |  |  |  | 463 |
Total troubled debt restructurings |  |  | 13 |  |  | $ | 2,413 |  |  | $ | 0 |  |  | $ | 782 |  |  | $ | 3,195 |
Defaulted Restructured Loans | Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual, and if a loan is on accrual at the time of the modification, it generally stays on accrual. Commercial and consumer loans modified in a troubled debt restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a troubled debt restructuring subsequently default, CTBI evaluates the loan for possible further impairment. The allowance for loan losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. 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. Presented below, segregated by segment, are troubled debt restructurings for which there was a payment default during the periods indicated and such default was within twelve months of the loan modification. There were no defaults as of March 31, 2019.
(in thousands) |  | Three Months Ended March 31, 2020 |
|  | Number of Loans |  |  | Recorded Investment |
Commercial real estate nonresidential |  |  | 1 |  |  | $ | 3,532 |
Commercial other |  |  | 2 |  |  |  | 273 |
Total defaulted restructured loans |  |  | 3 |  |  | $ | 3,805 |
(in thousands) |  | Year Ended December 31, 2019 |
|  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |
Commercial secured by real estate |  |  | 1 |  |  | $ | 30 |
Commercial other |  |  | 1 |  |  |  | 34 |
Residential: |  |  |  |  |  |  |  |
Real estate mortgage |  |  | 1 |  |  |  | 463 |
Total defaulted restructured loans |  |  | 3 |  |  | $ | 527 |

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