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Loans (Tables)

12 Months Ended

Dec. 31, 2021

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)		December 31 2021				December 31 2020
Hotel/motel		$	257,062			$	260,699
Commercial real estate residential			335,233				287,928
Commercial real estate nonresidential			757,893				743,238
Dealer floorplans			69,452				69,087
Commercial other			290,478				279,908
Commercial unsecured SBA PPP			47,335				252,667
Commercial loans			1,757,453				1,893,527
Real estate mortgage			767,185				784,559
Home equity lines			106,667				103,770
Residential loans			873,852				888,329
Consumer direct			156,683				152,304
Consumer indirect			620,825				620,051
Consumer loans			777,508				772,355
Loans and lease financing		$	3,408,813			$	3,554,211

Activity in Allowance for Credit Losses

The following tables present the balance in the allowance for credit losses (“ACL”) for the years ended December 31, 2021 and December 31, 2020.

		Year Ended December 31, 2021
(in thousands)		Beginning Balance				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	6,356			$	(1,276	)		$	0			$	0			$	5,080
Commercial real estate residential			4,464				(488	)			(28	)			38				3,986
Commercial real estate nonresidential			11,086				(2,233	)			(306	)			337				8,884
Dealer floorplans			1,382				54				0				0				1,436
Commercial other			4,289				388				(644	)			389				4,422
Real estate mortgage			7,832				3				(266	)			68				7,637
Home equity			844				39				(36	)			19				866
Consumer direct			1,863				256				(684	)			516				1,951
Consumer indirect			9,906				(3,129	)			(2,361	)			3,078				7,494
Total		$	48,022			$	(6,386	)		$	(4,325	)		$	4,445			$	41,756

		Year Ended December 31, 2020
(in thousands)		Beginning Balance, Prior to Adoption of ASC 326				Impact of Adoption of ASC 326				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	3,371			$	170			$	2,858			$	(43	)		$	0			$	6,356
Commercial real estate residential			3,439				(721	)			1,772				(182	)			156				4,464
Commercial real estate nonresidential			8,515				119				3,303				(941	)			90				11,086
Dealer floorplans			802				820				(214	)			(26	)			0				1,382
Commercial other			5,556				(391	)			2,040				(3,339	)			423				4,289
Real estate mortgage			4,604				1,893				1,584				(321	)			72				7,832
Home equity			897				(75	)			16				(4	)			10				844
Consumer direct			1,711				(40	)			609				(927	)			510				1,863
Consumer indirect			6,201				1,265				4,079				(4,670	)			3,031				9,906
Total		$	35,096			$	3,040			$	16,047			$	(10,453	)		$	4,292			$	48,022

Nonaccrual Loans Segregated by Class of Loans

Refer to note 1 to the consolidated financial statements for further information regarding our nonaccrual policy.  Nonaccrual loans and loans 90 days past due and still accruing segregated by class of loans for both December 31, 2021 and December 31, 2020 were as follows:

		December 31, 2021
(in thousands)		Nonaccrual Loans with No ACL				Nonaccrual Loans with ACL				90+ and Still Accruing				Total Nonperforming Loans
Hotel/motel		$	0			$	1,075			$	0			$	1,075
Commercial real estate residential			0				585				312				897
Commercial real estate nonresidential			2,447				1,602				144				4,193
Commercial other			0				302				76				378
Total commercial loans			2,447				3,564				532				6,543
Real estate mortgage			0				4,081				4,659				8,740
Home equity lines			0				579				513				1,092
Total residential loans			0				4,660				5,172				9,832
Consumer direct			0				0				44				44
Consumer indirect			0				0				206				206
Total consumer loans			0				0				250				250
Loans and lease financing		$	2,447			$	8,224			$	5,954			$	16,625

		December 31, 2020
(in thousands)		Nonaccrual Loans with No ACL				Nonaccrual Loans with ACL				90+ and Still Accruing				Total Nonperforming Loans
Hotel/motel		$	0			$	0			$	0			$	0
Commercial real estate residential			0				1,225				4,776				6,001
Commercial real estate nonresidential			0				1,424				7,852				9,276
Commercial other			0				867				269				1,136
Total commercial loans			0				3,516				12,897				16,413
Real estate mortgage			0				5,346				3,420				8,766
Home equity lines			0				582				392				974
Total residential loans			0				5,928				3,812				9,740
Consumer direct			0				0				71				71
Consumer indirect			0				0				353				353
Total consumer loans			0				0				424				424
Loans and lease financing		$	0			$	9,444			$	17,133			$	26,577

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, 2021 and December 31, 2020 (includes loans 90 days past due and still accruing as well):

		December 31, 2021
(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			$	0			$	0			$	257,062			$	257,062
Commercial real estate residential			274				116				845				1,235				333,998				335,233
Commercial real estate nonresidential			1,303				147				3,509				4,959				752,934				757,893
Dealer floorplans			0				0				0				0				69,452				69,452
Commercial other			1,225				175				108				1,508				288,970				290,478
Commercial unsecured SBA PPP			14				34				0				48				47,287				47,335
Total commercial loans			2,816				472				4,462				7,750				1,749,703				1,757,453
Real estate mortgage			1,171				2,707				6,859				10,737				756,448				767,185
Home equity lines			656				315				903				1,874				104,793				106,667
Total residential loans			1,827				3,022				7,762				12,611				861,241				873,852
Consumer direct			396				179				44				619				156,064				156,683
Consumer indirect			2,889				533				206				3,628				617,197				620,825
Total consumer loans			3,285				712				250				4,247				773,261				777,508
Loans and lease financing		$	7,928			$	4,206			$	12,474			$	24,608			$	3,384,205			$	3,408,813

		December 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			$	0			$	0			$	260,699			$	260,699
Commercial real estate residential			722				413				5,577				6,712				281,216				287,928
Commercial real estate nonresidential			1,199				0				8,703				9,902				733,336				743,238
Dealer floorplans			0				0				0				0				69,087				69,087
Commercial other			658				136				835				1,629				278,279				279,908
Commercial unsecured SBA PPP			0				0				0				0				252,667				252,667
Total commercial loans			2,579				549				15,115				18,243				1,875,284				1,893,527
Real estate mortgage			1,784				3,501				6,897				12,182				772,377				784,559
Home equity lines			509				305				919				1,733				102,037				103,770
Total residential loans			2,293				3,806				7,816				13,915				874,414				888,329
Consumer direct			659				87				71				817				151,487				152,304
Consumer indirect			2,960				973				353				4,286				615,765				620,051
Total consumer loans			3,619				1,060				424				5,103				767,252				772,355
Loans and lease financing		$	8,491			$	5,415			$	23,355			$	37,261			$	3,516,950			$	3,554,211

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) December 31		2021				2020				2019				2018				2017				Prior				Revolving Loans				Total
Hotel/motel
Risk rating:
Pass		$	42,056			$	11,231			$	53,713			$	18,752			$	32,765			$	20,087			$	0			$	178,604
Watch			9,234				14,021				8,813				8,780				2,678				30,502				0				74,028
OAEM			0				0				0				0				0				0				0				0
Substandard			0				0				0				3,355				1,075				0				0				4,430
Doubtful			0				0				0				0				0				0				0				0
Total hotel/motel		$	51,290			$	25,252			$	62,526			$	30,887			$	36,518			$	50,589			$	0			$	257,062
Commercial real estate residential
Risk rating:
Pass		$	142,364			$	54,380			$	22,320			$	19,826			$	11,919			$	45,791			$	9,544			$	306,144
Watch			2,643				2,359				1,962				2,119				554				6,949				156				16,742
OAEM			0				0				0				0				16				0				0				16
Substandard			4,822				1,990				620				1,835				596				2,468				0				12,331
Doubtful			0				0				0				0				0				0				0				0
Total commercial real estate residential		$	149,829			$	58,729			$	24,902			$	23,780			$	13,085			$	55,208			$	9,700			$	335,233
Commercial real estate nonresidential
Risk rating:
Pass		$	214,563			$	99,131			$	82,386			$	57,397			$	55,422			$	168,533			$	22,389			$	699,821
Watch			5,130				2,865				3,981				2,802				3,655				11,828				767				31,028
OAEM			0				0				0				0				0				178				20				198
Substandard			5,201				5,098				3,764				600				2,016				9,659				200				26,538
Doubtful			0				0				0				0				0				308				0				308
Total commercial real estate nonresidential		$	224,894			$	107,094			$	90,131			$	60,799			$	61,093			$	190,506			$	23,376			$	757,893
Dealer floorplans
Risk rating:
Pass		$	0			$	0			$	0			$	0			$	0			$	0			$	69,105			$	69,105
Watch			0				0				0				0				0				0				347				347
OAEM			0				0				0				0				0				0				0				0
Substandard			0				0				0				0				0				0				0				0
Doubtful			0				0				0				0				0				0				0				0
Total dealer floorplans		$	0			$	0			$	0			$	0			$	0			$	0			$	69,452			$	69,452
Commercial other
Risk rating:
Pass		$	72,650			$	43,838			$	16,495			$	29,858			$	9,105			$	13,346			$	75,119			$	260,411
Watch			7,196				1,967				1,582				599				332				1,071				11,792				24,539
OAEM			0				0				268				383				12				1				482				1,146
Substandard			1,600				1,589				147				184				287				451				124				4,382
Doubtful			0				0				0				0				0				0				0				0
Total commercial other		$	81,446			$	47,394			$	18,492			$	31,024			$	9,736			$	14,869			$	87,517			$	290,478

Commercial unsecured SBA PPP
Risk rating:
Pass		$	46,227			$	1,108			$	0			$	0			$	0			$	0			$	0			$	47,335
Watch			0				0				0				0				0				0				0				0
OAEM			0				0				0				0				0				0				0				0
Substandard			0				0				0				0				0				0				0				0
Doubtful			0				0				0				0				0				0				0				0
Total commercial unsecured SBA PPP		$	46,227			$	1,108			$	0			$	0			$	0			$	0			$	0			$	47,335
Commercial loans
Risk rating:
Pass		$	517,860			$	209,688			$	174,914			$	125,833			$	109,211			$	247,757			$	176,157			$	1,561,420
Watch			24,203				21,212				16,338				14,300				7,219				50,350				13,062				146,684
OAEM			0				0				268				383				28				179				502				1,360
Substandard			11,623				8,677				4,531				5,974				3,974				12,578				324				47,681
Doubtful			0				0				0				0				0				308				0				308
Total commercial loans		$	553,686			$	239,577			$	196,051			$	146,490			$	120,432			$	311,172			$	190,045			$	1,757,453

		Term Loans Amortized Cost Basis by Origination Year
(in thousands) December 31		2020				2019				2018				2017				2016				Prior				Revolving Loans				Total
Hotel/motel
Risk rating:
Pass		$	11,507			$	70,504			$	27,453			$	39,651			$	6,357			$	22,372			$	0			$	177,844
Watch			23,951				2,506				3,366				2,102				16,740				7,422				0				56,087
OAEM			0				1,993				9,576				0				0				0				0				11,569
Substandard			0				0				0				1,113				8,840				5,246				0				15,199
Doubtful			0				0				0				0				0				0				0				0
Total hotel/motel		$	35,458			$	75,003			$	40,395			$	42,866			$	31,937			$	35,040			$	0			$	260,699
Commercial real estate residential
Risk rating:
Pass		$	85,403			$	39,238			$	29,179			$	17,390			$	21,272			$	46,419			$	10,470			$	249,371
Watch			1,714				2,214				2,438				2,962				4,520				5,306				182				19,336
OAEM			1,921				1,361				323				142				129				0				0				3,876
Substandard			4,301				606				1,991				4,076				1,108				3,263				0				15,345
Doubtful			0				0				0				0				0				0				0				0
Total commercial real estate residential		$	93,339			$	43,419			$	33,931			$	24,570			$	27,029			$	54,988			$	10,652			$	287,928
Commercial real estate nonresidential
Risk rating:
Pass		$	125,205			$	97,204			$	77,685			$	80,416			$	100,740			$	165,839			$	25,524			$	672,613
Watch			5,133				3,175				5,075				6,366				3,020				11,046				601				34,416
OAEM			0				887				68				0				0				3,382				115				4,452
Substandard			7,254				6,152				3,471				2,462				1,358				10,817				215				31,729
Doubtful			0				0				0				0				0				28				0				28
Total commercial real estate nonresidential		$	137,592			$	107,418			$	86,299			$	89,244			$	105,118			$	191,112			$	26,455			$	743,238

Dealer floorplans
Risk rating:
Pass		$	0			$	0			$	0			$	0			$	0			$	0			$	68,610			$	68,610
Watch			0				0				0				0				0				0				477				477
OAEM			0				0				0				0				0				0				0				0
Substandard			0				0				0				0				0				0				0				0
Doubtful			0				0				0				0				0				0				0				0
Total dealer floorplans		$	0			$	0			$	0			$	0			$	0			$	0			$	69,087			$	69,087
Commercial other
Risk rating:
Pass		$	75,014			$	26,385			$	33,825			$	13,975			$	6,225			$	22,733			$	78,547			$	256,704
Watch			2,888				378				1,130				555				464				595				7,030				13,040
OAEM			25				0				5,056				181				367				0				124				5,753
Substandard			2,136				556				318				460				460				411				70				4,411
Doubtful			0				0				0				0				0				0				0				0
Total commercial other		$	80,063			$	27,319			$	40,329			$	15,171			$	7,516			$	23,739			$	85,771			$	279,908
Commercial unsecured SBA PPP
Risk rating:
Pass		$	252,667			$	0			$	0			$	0			$	0			$	0			$	0			$	252,667
Watch			0				0				0				0				0				0				0				0
OAEM			0				0				0				0				0				0				0				0
Substandard			0				0				0				0				0				0				0				0
Doubtful			0				0				0				0				0				0				0				0
Total commercial unsecured SBA PPP		$	252,667			$	0			$	0			$	0			$	0			$	0			$	0			$	252,667
Commercial loans
Risk rating:
Pass		$	549,796			$	233,331			$	168,142			$	151,432			$	134,594			$	257,363			$	183,151			$	1,677,809
Watch			33,686				8,273				12,009				11,985				24,744				24,369				8,290				123,356
OAEM			1,946				4,241				15,023				323				496				3,382				239				25,650
Substandard			13,691				7,314				5,780				8,111				11,766				19,737				285				66,684
Doubtful			0				0				0				0				0				28				0				28
Total commercial loans		$	599,119			$	253,159			$	200,954			$	171,851			$	171,600			$	304,879			$	191,965			$	1,893,527

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:

(in thousands)		Term Loans Amortized Cost Basis by Origination Year
December 31		2021				2020				2019				2018				2017				Prior				Revolving Loans				Total
Home equity lines
Performing		$	0			$	0			$	0			$	0			$	0			$	10,909			$	94,666			$	105,575
Nonperforming			0				0				0				0				0				520				572				1,092
Total home equity lines		$	0			$	0			$	0			$	0			$	0			$	11,429			$	95,238			$	106,667
Mortgage loans
Performing		$	195,731			$	161,471			$	75,792			$	37,188			$	42,597			$	245,666			$	0			$	758,445
Nonperforming			0				63				424				364				558				7,331				0				8,740
Total mortgage loans		$	195,731			$	161,534			$	76,216			$	37,552			$	43,155			$	252,997			$	0			$	767,185
Residential loans
Performing		$	195,731			$	161,471			$	75,792			$	37,188			$	42,597			$	256,575			$	94,666			$	864,020
Nonperforming			0				63				424				364				558				7,851				572				9,832
Total residential loans		$	195,731			$	161,534			$	76,216			$	37,552			$	43,155			$	264,426			$	95,238			$	873,852
Consumer direct loans
Performing		$	71,626			$	39,312			$	18,492			$	10,468			$	4,490			$	12,251			$	0			$	156,639
Nonperforming			0				4				3				34				3				0				0				44
Total consumer direct loans		$	71,626			$	39,316			$	18,495			$	10,502			$	4,493			$	12,251			$	0			$	156,683
Consumer indirect loans
Performing		$	263,127			$	190,145			$	80,793			$	54,437			$	23,449			$	8,668			$	0			$	620,619
Nonperforming			24				135				20				0				23				4				0				206
Total consumer indirect loans		$	263,151			$	190,280			$	80,813			$	54,437			$	23,472			$	8,672			$	0			$	620,825
Consumer loans
Performing		$	334,753			$	229,457			$	99,285			$	64,905			$	27,939			$	20,919			$	0			$	777,258
Nonperforming			24				139				23				34				26				4				0				250
Total consumer loans		$	334,777			$	229,596			$	99,308			$	64,939			$	27,965			$	20,923			$	0			$	777,508

(in thousands)		Term Loans Amortized Cost Basis by Origination Year
December 31		2020				2019				2018				2017				2016				Prior				Revolving Loans				Total
Home equity lines
Performing		$	0			$	0			$	0			$	0			$	23			$	12,049			$	90,724			$	102,796
Nonperforming			0				0				0				0				0				585				389				974
Total home equity lines		$	0			$	0			$	0			$	0			$	23			$	12,634			$	91,113			$	103,770
Mortgage loans
Performing		$	214,629			$	119,301			$	56,812			$	60,915			$	48,253			$	275,883			$	0			$	775,793
Nonperforming			0				436				303				314				352				7,361				0				8,766
Total mortgage loans		$	214,629			$	119,737			$	57,115			$	61,229			$	48,605			$	283,244			$	0			$	784,559
Residential loans
Performing		$	214,629			$	119,301			$	56,812			$	60,915			$	48,276			$	287,932			$	90,724			$	878,589
Nonperforming			0				436				303				314				352				7,946				389				9,740
Total residential loans		$	214,629			$	119,737			$	57,115			$	61,229			$	48,628			$	295,878			$	91,113			$	888,329
Consumer direct loans
Performing		$	72,677			$	32,993			$	18,461			$	9,157			$	6,581			$	12,364			$	0			$	152,233
Nonperforming			7				57				0				7				0				0				0				71
Total consumer direct loans		$	72,684			$	33,050			$	18,461			$	9,164			$	6,581			$	12,364			$	0			$	152,304
Consumer indirect loans
Performing		$	301,494			$	135,123			$	100,482			$	50,665			$	23,777			$	8,157			$	0			$	619,698
Nonperforming			27				115				118				52				30				11				0				353
Total consumer indirect loans		$	301,521			$	135,238			$	100,600			$	50,717			$	23,807			$	8,168			$	0			$	620,051
Consumer loans
Performing		$	374,171			$	168,116			$	118,943			$	59,822			$	30,358			$	20,521			$	0			$	771,931
Nonperforming			34				172				118				59				30				11				0				424
Total consumer loans		$	374,205			$	168,288			$	119,061			$	59,881			$	30,388			$	20,532			$	0			$	772,355

Collateral Dependent Loans and Impaired 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:

		December 31, 2021
(in thousands)		Number of Loans				Recorded Investment				Specific Reserve
Hotel/motel			2			$	9,462			$	600
Commercial real estate residential			4				7,255				0
Commercial real estate nonresidential			11				19,943				200
Commercial other			1				1,113				350
Total collateral dependent loans			18			$	37,773			$	1,150

		December 31, 2020
(in thousands)		Number of Loans				Recorded Investment				Specific Reserve
Hotel/motel			5			$	26,194			$	250
Commercial real estate residential			4				7,833				0
Commercial real estate nonresidential			12				24,497				200
Commercial other			1				5,050				0
Total collateral dependent loans			22			$	63,574			$	450

Troubled Debt Restructurings

Certain loans have been 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 years ended December 31, 2021 and 2020:

										Year Ended December 31, 2021
										Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Other				Total Modification
Commercial real estate residential			6			$	388			$	0			$	0			$	388
Commercial real estate nonresidential			9				4,179				2,988				0				7,167
Hotel/motel			0				0				0				0				0
Commercial other			5				417				0				0				417
Total commercial loans			20				4,984				2,988				0				7,972
Real estate mortgage			3				278				277				262				817
Total residential loans			3				278				277				262				817
Total troubled debt restructurings			23			$	5,262			$	3,265			$	262			$	8,789

										Year Ended December 31, 2021
										Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Other				Total Modification
Commercial real estate residential			6			$	424			$	0			$	0			$	424
Commercial real estate nonresidential			9				4,282				3,000				0				7,282
Hotel/motel			0				0				0				0				0
Commercial other			5				340				0				0				340
Total commercial loans			20				5,046				3,000				0				8,046
Real estate mortgage			3				279				277				262				818
Total residential loans			3				279				277				262				818
Total troubled debt restructurings			23			$	5,325			$	3,277			$	262			$	8,864

		Year Ended December 31, 2020
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Commercial real estate residential			15			$	4,924			$	1,809			$	6,733
Commercial real estate nonresidential			19				7,961				782				8,743
Hotel/motel			1				1,113				0				1,113
Commercial other			16				754				53				807
Total commercial loans			51				14,752				2,644				17,396
Real estate mortgage			4				1,496				0				1,496
Total residential loans			4				1,496				0				1,496
Total troubled debt restructurings			55			$	16,248			$	2,644			$	18,892

		Year Ended December 31, 2020
		Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Commercial real estate residential			15			$	4,928			$	1,809			$	6,737
Commercial real estate nonresidential			19				8,014				782				8,796
Hotel/motel			1				1,113				0				1,113
Commercial other			16				695				51				746
Total commercial loans			51				14,750				2,642				17,392
Real estate mortgage			4				1,479				0				1,479
Total residential loans			4				1,479				0				1,479
Total troubled debt restructurings			55			$	16,229			$	2,642			$	18,871

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 a loan modified in a troubled debt restructuring subsequently defaults, 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.

(in thousands)		Year Ended December 31, 2021								Year Ended December 31, 2020
		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Hotel/motel			1			$	1,113				0			$	0
Commercial other			0				0				3				368
Residential:
Real estate mortgage			1				275				0				0
Total defaulted restructured loans			2			$	1,388				3			$	368

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