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Loans (Tables)

6 Months Ended

Jun. 30, 2022

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)		June 30 2022				December 31 2021
Hotel/motel		$	280,956			$	257,062
Commercial real estate residential			354,668				335,233
Commercial real estate nonresidential			758,227				757,893
Dealer floorplans			71,785				69,452
Commercial other			324,091				290,478
Commercial unsecured SBA PPP			7,788				47,335
Commercial loans			1,797,515				1,757,453
Real estate mortgage			793,249				767,185
Home equity lines			110,828				106,667
Residential loans			904,077				873,852
Consumer direct			159,791				156,683
Consumer indirect			697,060				620,825
Consumer loans			856,851				777,508
Loans and lease financing		$	3,558,443			$	3,408,813

Balance in ACL

The following tables present the balance in the ACL for the periods ended June 30, 2022, December 31, 2021, and June 30, 2021:

		Three Months Ended June 30, 2022
(in thousands)		Beginning Balance				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	4,711			$	133			$	0			$	0			$	4,844
Commercial real estate residential			4,070				124				0				6				4,200
Commercial real estate nonresidential			9,169				(223	)			0				22				8,968
Dealer floorplans			1,519				(42	)			0				0				1,477
Commercial other			4,844				(285	)			(187	)			101				4,473
Real estate mortgage			7,662				586				(84	)			15				8,179
Home equity			819				71				(5	)			2				887
Consumer direct			1,787				(65	)			(175	)			74				1,621
Consumer indirect			7,728				(222	)			(377	)			566				7,695
Total		$	42,309			$	77			$	(828	)		$	786			$	42,344

		Six Months Ended June 30, 2022
(in thousands)		Beginning Balance				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	5,080			$	(20	)		$	(216	)		$	0			$	4,844
Commercial real estate residential			3,986				234				(31	)			11				4,200
Commercial real estate nonresidential			8,884				(49	)			0				133				8,968
Dealer floorplans			1,436				41				0				0				1,477
Commercial other			4,422				193				(344	)			202				4,473
Real estate mortgage			7,637				683				(177	)			36				8,179
Home equity			866				38				(24	)			7				887
Consumer direct			1,951				(245	)			(345	)			260				1,621
Consumer indirect			7,494				77				(1,011	)			1,135				7,695
Total		$	41,756			$	952			$	(2,148	)		$	1,784			$	42,344

		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

		Three Months Ended June 30, 2021
(in thousands)		Beginning Balance				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	6,664			$	(990	)		$	0			$	0			$	5,674
Commercial real estate residential			4,641				(845	)			0				0				3,796
Commercial real estate nonresidential			10,813				(1,798	)			0				293				9,308
Dealer floorplans			1,318				(57	)			0				0				1,261
Commercial other			4,571				43				(118	)			78				4,574
Real estate mortgage			7,143				745				(186	)			6				7,708
Home equity			750				(68	)			(14	)			5				673
Consumer direct			1,811				(185	)			(154	)			163				1,635
Consumer indirect			7,635				(1,102	)			(476	)			1,009				7,066
Total		$	45,346			$	(4,257	)		$	(948	)		$	1,554			$	41,695

		Six Months Ended June 30, 2021
(in thousands)		Beginning Balance				Provision Charged to Expense				Losses Charged Off				Recoveries				Ending Balance
ACL
Hotel/motel		$	6,356			$	(682	)		$	0			$	0			$	5,674
Commercial real estate residential			4,464				(646	)			(24	)			2				3,796
Commercial real estate nonresidential			11,086				(1,933	)			(151	)			306				9,308
Dealer floorplans			1,382				(121	)			0				0				1,261
Commercial other			4,289				312				(230	)			203				4,574
Real estate mortgage			7,832				55				(194	)			15				7,708
Home equity			844				(161	)			(19	)			9				673
Consumer direct			1,863				(199	)			(308	)			279				1,635
Consumer indirect			9,906				(3,381	)			(1,492	)			2,033				7,066
Total		$	48,022			$	(6,756	)		$	(2,418	)		$	2,847			$	41,695

Nonaccrual Loans Segregated by Class of Loans

Nonaccrual loans and loans 90 days past due and still accruing segregated by class of loans for both June 30, 2022 and December 31, 2021 were as follows:

		June 30, 2022
(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				423				341				764
Commercial real estate nonresidential			2,376				1,157				672				4,205
Commercial other			0				232				49				281
Commercial unsecured SBA PPP			0				0				0				0
Total commercial loans			2,376				1,812				1,062				5,250
Real estate mortgage			0				4,207				3,306				7,513
Home equity lines			0				429				384				813
Total residential loans			0				4,636				3,690				8,326
Consumer direct			0				0				32				32
Consumer indirect			0				0				234				234
Total consumer loans			0				0				266				266
Loans and lease financing		$	2,376			$	6,448			$	5,018			$	13,842

		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

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, 2022 and December 31, 2021:

		June 30, 2022
(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			$	280,956			$	280,956
Commercial real estate residential			430				127				718				1,275				353,393				354,668
Commercial real estate nonresidential			321				186				3,730				4,237				753,990				758,227
Dealer floorplans			0				0				0				0				71,785				71,785
Commercial other			522				46				69				637				323,454				324,091
Commercial unsecured SBA PPP			0				3				0				3				7,785				7,788
Total commercial loans			1,273				362				4,517				6,152				1,791,363				1,797,515
Real estate mortgage			1,257				3,614				5,840				10,711				782,538				793,249
Home equity lines			657				185				712				1,554				109,274				110,828
Total residential loans			1,914				3,799				6,552				12,265				891,812				904,077
Consumer direct			517				71				31				619				159,172				159,791
Consumer indirect			2,921				580				234				3,735				693,325				697,060
Total consumer loans			3,438				651				265				4,354				852,497				856,851
Loans and lease financing		$	6,625			$	4,812			$	11,334			$	22,771			$	3,535,672			$	3,558,443

		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

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:

June 30, 2022		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2022				2021				2020				2019				2018				Prior				Revolving Loans				Total
Hotel/motel
Risk rating:
Pass		$	58,139			$	28,894			$	17,852			$	55,356			$	18,441			$	38,120			$	0			$	216,802
Watch			3,908				9,069				5,559				5,983				11,962				25,670				0				62,151
OAEM			0				0				0				0				0				2,003				0				2,003
Substandard			0				0				0				0				0				0				0				0
Doubtful			0				0				0				0				0				0				0				0
Total hotel/motel			62,047				37,963				23,411				61,339				30,403				65,793				0				280,956
Commercial real estate residential
Risk rating:
Pass			68,934				127,149				42,594				16,652				13,499				45,711				10,884				325,423
Watch			2,881				663				3,025				1,344				2,123				7,820				45				17,901
OAEM			0				0				0				0				0				15				0				15
Substandard			315				4,467				1,833				374				1,661				2,455				224				11,329
Doubtful			0				0				0				0				0				0				0				0
Total commercial real estate residential			72,130				132,279				47,452				18,370				17,283				56,001				11,153				354,668
Commercial real estate nonresidential
Risk rating:
Pass			84,474				210,069				92,399				78,345				46,995				168,186				23,741				704,209
Watch			2,618				4,361				3,304				2,451				1,542				12,155				1,010				27,441
OAEM			0				0				0				0				0				101				20				121
Substandard			1,385				4,791				5,024				3,094				1,018				10,812				25				26,149
Doubtful			0				0				0				0				0				307				0				307
Total commercial real estate nonresidential			88,477				219,221				100,727				83,890				49,555				191,561				24,796				758,227
Dealer floorplans
Risk rating:
Pass			0				0				0				0				0				0				71,398				71,398
Watch			0				0				0				0				0				0				387				387
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				71,785				71,785
Commercial other
Risk rating:
Pass			50,382				63,584				38,128				11,490				28,379				26,997				78,536				297,496
Watch			1,118				541				614				333				362				1,075				6,902				10,945
OAEM			0				32				0				0				2				0				30				64
Substandard			958				6,630				1,191				1,168				221				744				4,674				15,586
Doubtful			0				0				0				0				0				0				0				0
Total commercial other			52,458				70,787				39,933				12,991				28,964				28,816				90,142				324,091
Commercial unsecured SBA PPP
Risk rating:
Pass			0				7,785				3				0				0				0				0				7,788
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			0				7,785				3				0				0				0				0				7,788
Commercial loans
Risk rating:
Pass			261,929				437,481				190,976				161,843				107,314				279,014				184,559				1,623,116
Watch			10,525				14,634				12,502				10,111				15,989				46,720				8,344				118,825
OAEM			0				32				0				0				2				2,119				50				2,203
Substandard			2,658				15,888				8,048				4,636				2,900				14,011				4,923				53,064
Doubtful			0				0				0				0				0				307				0				307
Total commercial loans		$	275,112			$	468,035			$	211,526			$	176,590			$	126,205			$	342,171			$	197,876			$	1,797,515

December 31, 2021		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		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

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:

June 30, 2022		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2022				2021				2020				2019				2018				Prior				Revolving Loans				Total
Home equity lines
Performing		$	0			$	0			$	0			$	0			$	0			$	11,986			$	98,029			$	110,015
Nonperforming			0				0				0				0				0				469				344				813
Total home equity lines			0				0				0				0				0				12,455				98,373				110,828
Mortgage loans
Performing			94,529				190,170				142,645				66,499				32,630				259,263				0				785,736
Nonperforming			0				167				77				323				412				6,534				0				7,513
Total mortgage loans			94,529				190,337				142,722				66,822				33,042				265,797				0				793,249
Residential loans
Performing			94,529				190,170				142,645				66,499				32,630				271,249				98,029				895,751
Nonperforming			0				167				77				323				412				7,003				344				8,326
Total residential loans		$	94,529			$	190,337			$	142,722			$	66,822			$	33,042			$	278,252			$	98,373			$	904,077
Consumer direct loans
Performing		$	38,166			$	54,692			$	30,692			$	14,493			$	8,251			$	13,465			$	0			$	159,759
Nonperforming			29				1				2				0				0				0				0				32
Total consumer direct loans			38,195				54,693				30,694				14,493				8,251				13,465				0				159,791
Consumer indirect loans
Performing			223,710				207,562				148,495				60,781				38,395				17,883				0				696,826
Nonperforming			0				118				34				56				11				15				0				234
Total consumer indirect loans			223,710				207,680				148,529				60,837				38,406				17,898				0				697,060
Consumer loans
Performing			261,876				262,254				179,187				75,274				46,646				31,348				0				856,585
Nonperforming			29				119				36				56				11				15				0				266
Total consumer loans		$	261,905			$	262,373			$	179,223			$	75,330			$	46,657			$	31,363			$	0			$	856,851

December 31, 2021		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		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

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:

		June 30, 2022
(in thousands)		Number of Loans				Recorded Investment				Specific Reserve
Hotel/motel			1			$	1,196			$	0
Commercial real estate residential			4				6,957				0
Commercial real estate nonresidential			10				18,218				200
Commercial other			3				10,190				550
Total collateral dependent loans			18			$	36,561			$	750

		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

		June 30, 2021
(in thousands)		Number of Loans				Recorded Investment				Specific Reserve
Hotel/motel			4			$	22,540			$	600
Commercial real estate residential			4				7,508				0
Commercial real estate nonresidential			12				21,837				200
Commercial other			1				1,217				450
Total collateral dependent loans			21			$	53,102			$	1,250

Troubled Debt Restructuring

Certain loans have been modified in TDRs, 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 TDRs that occurred during the three and six months ended June 30, 2022 and 2021 and the year ended December 31, 2021:

		Three Months Ended June 30, 2022
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			0				0				0				0
Commercial other			5				5,562				0				5,562
Total commercial loans			5				5,562				0				5,562
Real estate mortgage			1				305				0				305
Total residential loans			1				305				0				305
Total troubled debt restructurings			6			$	5,867			$	0			$	5,867

		Three Months Ended June 30, 2022
		Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			0				0				0				0
Commercial other			5				5,562				0				5,562
Total commercial loans			5				5,562				0				5,562
Real estate mortgage			1				305				0				305
Total residential loans			1				305				0				305
Total troubled debt restructurings			6			$	5,867			$	0			$	5,867

		Six Months Ended June 30, 2022
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			2				154				0				154
Commercial real estate nonresidential			2				245				0				245
Commercial other			9				6,526				0				6,526
Total commercial loans			13				6,925				0				6,925
Real estate mortgage			3				305				916				1,221
Total residential loans			3				305				916				1,221
Total troubled debt restructurings			16			$	7,230			$	916			$	8,146

		Six Months Ended June 30, 2022
		Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			2				154				0				154
Commercial real estate nonresidential			2				244				0				244
Commercial other			9				6,525				0				6,525
Total commercial loans			13				6,923				0				6,923
Real estate mortgage			3				305				916				1,221
Total residential loans			3				305				916				1,221
Total troubled debt restructurings			16			$	7,228			$	916			$	8,144

		Year Ended December 31, 2021
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Other				Total Modification
Hotel/motel			0			$	0			$	0			$	0			$	0
Commercial real estate residential			6				388				0				0				388
Commercial real estate nonresidential			9				4,179				2,988				0				7,167
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
Hotel/motel			0			$	0			$	0			$	0			$	0
Commercial real estate residential			6				424				0				0				424
Commercial real estate nonresidential			9				4,282				3,000				0				7,282
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

		Three Months Ended June 30, 2021
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			4				2,081				136				2,217
Commercial other			2				298				0				298
Total commercial loans			6				2,379				136				2,515
Real estate mortgage			0				0				0				0
Total residential loans			0				0				0				0
Total troubled debt restructurings			6			$	2,379			$	136			$	2,515

		Three Months Ended June 30, 2021
		Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			4				2,086				154				2,240
Commercial other			2				216				0				216
Total commercial loans			6				2,302				154				2,456
Real estate mortgage			0				0				0				0
Total residential loans			0				0				0				0
Total troubled debt restructurings			6			$	2,302			$	154			$	2,456

		Six Months Ended June 30, 2021
		Pre-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			5				2,081				420				2,501
Commercial other			2				298				0				298
Total commercial loans			7				2,379				420				2,799
Real estate mortgage			0				0				0				0
Total residential loans			0				0				0				0
Total troubled debt restructurings			7			$	2,379			$	420			$	2,799

		Six Months Ended June 30, 2021
		Post-Modification Outstanding Balance
(in thousands)		Number of Loans				Term Modification				Combination				Total Modification
Hotel/motel			0			$	0			$	0			$	0
Commercial real estate residential			0				0				0				0
Commercial real estate nonresidential			5				2,086				438				2,524
Commercial other			2				216				0				216
Total commercial loans			7				2,302				438				2,740
Real estate mortgage			0				0				0				0
Total residential loans			0				0				0				0
Total troubled debt restructurings			7			$	2,302			$	438			$	2,740

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 TDR are closely monitored for delinquency as an early indicator of possible future default.  If loans modified in a TDR 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 TDRs within the past 12 months which have subsequently defaulted.  CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual.  There were no defaulted restructured loans for the three and six months ended June 30, 2022.

		Three Months Ended June 30, 2022								Six Months Ended June 30, 2022
(in thousands)		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Hotel/motel			0			$	0				0			$	0
Commercial other			0				0				0				0
Residential:
Real estate mortgage			0				0				0				0
Total defaulted restructured loans			0			$	0				0			$	0

		Three Months Ended June 30, 2021								Six Months Ended June 30, 2021
(in thousands)		Number of Loans				Recorded Balance				Number of Loans				Recorded Balance
Commercial:
Hotel/motel			1			$	1,113				1			$	1,113
Residential:
Real estate mortgage			1				275				1				275
Total defaulted restructured loans			2			$	1,388				2			$	1,388

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