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Loans (Tables) | 9 Months Ended
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Sep. 30, 2023
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) |  | September 30 2023 |  |  | December 31 2022 |
Hotel/motel |  | $ | 386,067 |  |  | $ | 343,640 |
Commercial real estate residential |  |  | 404,779 |  |  |  | 372,914 |
Commercial real estate nonresidential |  |  | 788,287 |  |  |  | 762,349 |
Dealer floorplans |  |  | 61,920 |  |  |  | 77,533 |
Commercial other |  |  | 315,529 |  |  |  | 312,422 |
Commercial loans |  |  | 1,956,582 |  |  |  | 1,868,858 |
Real estate mortgage |  |  | 916,580 |  |  |  | 824,996 |
Home equity lines |  |  | 139,085 |  |  |  | 120,540 |
Residential loans |  |  | 1,055,665 |  |  |  | 945,536 |
Consumer direct |  |  | 160,712 |  |  |  | 157,504 |
Consumer indirect |  |  | 812,060 |  |  |  | 737,392 |
Consumer loans |  |  | 972,772 |  |  |  | 894,896 |
Loans and lease financing |  | $ | 3,985,019 |  |  | $ | 3,709,290 |
Shift in Reserve Estimates Due to Change in Modeling | During the quarter ended June 30, 2023, CTBI implemented third party software for its ACL calculations. During the implementation process, discounted cash flow modeling was chosen for all loan segments. The primary reasons that contributed to this decision were: Discounted cash flow (“DCF”) models allow for the effective incorporation of a reasonable and supportable forecast in a directionally consistent and objective manner; the analysis aligns well with other calculations outside of the ACL estimation which will mitigate model risk in other areas; and peer data is available for certain inputs if first -party data is not available or meaningful. This change in modeling resulted in a shift in our reserve estimates as of June 30, 2023 as presented below:
(in thousands) |  | ACL Software June 30, 2023 |  |  | CTBI Internal ACL Model June 30, 2023 |  |  | Change in Allocation |
Hotel/motel |  | $ | 5,192 |  |  | $ | 6,038 |  |  | $ | (846 | )
Commercial real estate residential |  |  | 3,749 |  |  |  | 4,669 |  |  |  | (920 | )
Commercial real estate nonresidential |  |  | 7,797 |  |  |  | 8,794 |  |  |  | (997 | )
Dealer floorplans |  |  | 1,157 |  |  |  | 1,719 |  |  |  | (562 | )
Commercial other |  |  | 6,176 |  |  |  | 4,547 |  |  |  | 1,629 |
Commercial loans reserve allocation |  |  | 24,071 |  |  |  | 25,767 |  |  |  | (1,696 | )
Real estate mortgage |  |  | 7,884 |  |  |  | 8,443 |  |  |  | (559 | )
Home equity lines |  |  | 1,108 |  |  |  | 1,065 |  |  |  | 43 |
Residential loans reserve allocation |  |  | 8,992 |  |  |  | 9,508 |  |  |  | (516 | )
Consumer direct |  |  | 2,563 |  |  |  | 1,673 |  |  |  | 890 |
Consumer indirect |  |  | 12,392 |  |  |  | 10,959 |  |  |  | 1,433 |
Consumer loans reserve allocation |  |  | 14,955 |  |  |  | 12,632 |  |  |  | 2,323 |
Loans and lease financing allowance for credit loss |  | $ | 48,018 |  |  |  | 47,907 |  |  | $ | 111 |
Balance in ACL | The following tables present the balance in the ACL for the periods ended September 30, 2023, December 31, 2022, and September 30, 2022:
|  | Three Months Ended September 30, 2023 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,192 |  |  | $ | 611 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,803 |
Commercial real estate residential |  |  | 3,749 |  |  |  | 66 |  |  |  | 0 |  |  |  | 9 |  |  |  | 3,824 |
Commercial real estate nonresidential |  |  | 7,797 |  |  |  | 181 |  |  |  | 0 |  |  |  | 39 |  |  |  | 8,017 |
Dealer floorplans |  |  | 1,157 |  |  |  | (314 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 843 |
Commercial other |  |  | 6,176 |  |  |  | (595 | ) |  |  | (195 | ) |  |  | 159 |  |  |  | 5,545 |
Real estate mortgage |  |  | 7,884 |  |  |  | 439 |  |  |  | (4 | ) |  |  | 17 |  |  |  | 8,336 |
Home equity |  |  | 1,108 |  |  |  | 59 |  |  |  | (10 | ) |  |  | 1 |  |  |  | 1,158 |
Consumer direct |  |  | 2,563 |  |  |  | 157 |  |  |  | (148 | ) |  |  | 41 |  |  |  | 2,613 |
Consumer indirect |  |  | 12,392 |  |  |  | 1,267 |  |  |  | (1,655 | ) |  |  | 576 |  |  |  | 12,580 |
Total |  | $ | 48,018 |  |  | $ | 1,871 |  |  | $ | (2,012 | ) |  | $ | 842 |  |  | $ | 48,719 |
|  | Nine Months Ended September 30, 2023 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,171 |  |  | $ | 632 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,803 |
Commercial real estate residential |  |  | 4,894 |  |  |  | (1,132 | ) |  |  | (28 | ) |  |  | 90 |  |  |  | 3,824 |
Commercial real estate nonresidential |  |  | 9,419 |  |  |  | (1,765 | ) |  |  | (9 | ) |  |  | 372 |  |  |  | 8,017 |
Dealer floorplans |  |  | 1,776 |  |  |  | (933 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 843 |
Commercial other |  |  | 5,285 |  |  |  | 1,376 |  |  |  | (1,455 | ) |  |  | 339 |  |  |  | 5,545 |
Real estate mortgage |  |  | 7,932 |  |  |  | 470 |  |  |  | (99 | ) |  |  | 33 |  |  |  | 8,336 |
Home equity |  |  | 1,106 |  |  |  | 71 |  |  |  | (23 | ) |  |  | 4 |  |  |  | 1,158 |
Consumer direct |  |  | 1,694 |  |  |  | 1,069 |  |  |  | (386 | ) |  |  | 236 |  |  |  | 2,613 |
Consumer indirect |  |  | 8,704 |  |  |  | 5,208 |  |  |  | (3,730 | ) |  |  | 2,398 |  |  |  | 12,580 |
Total |  | $ | 45,981 |  |  | $ | 4,996 |  |  | $ | (5,730 | ) |  | $ | 3,472 |  |  | $ | 48,719 |
|  | Year Ended December 31, 2022 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,080 |  |  | $ | 307 |  |  | $ | (216 | ) |  | $ | 0 |  |  | $ | 5,171 |
Commercial real estate residential |  |  | 3,986 |  |  |  | 951 |  |  |  | (92 | ) |  |  | 49 |  |  |  | 4,894 |
Commercial real estate nonresidential |  |  | 8,884 |  |  |  | (154 | ) |  |  | (46 | ) |  |  | 735 |  |  |  | 9,419 |
Dealer floorplans |  |  | 1,436 |  |  |  | 340 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,776 |
Commercial other |  |  | 4,422 |  |  |  | 947 |  |  |  | (1,082 | ) |  |  | 998 |  |  |  | 5,285 |
Real estate mortgage |  |  | 7,637 |  |  |  | 466 |  |  |  | (223 | ) |  |  | 52 |  |  |  | 7,932 |
Home equity |  |  | 866 |  |  |  | 257 |  |  |  | (37 | ) |  |  | 20 |  |  |  | 1,106 |
Consumer direct |  |  | 1,951 |  |  |  | (210 | ) |  |  | (609 | ) |  |  | 562 |  |  |  | 1,694 |
Consumer indirect |  |  | 7,494 |  |  |  | 2,001 |  |  |  | (3,041 | ) |  |  | 2,250 |  |  |  | 8,704 |
Total |  | $ | 41,756 |  |  | $ | 4,905 |  |  | $ | (5,346 | ) |  | $ | 4,666 |  |  | $ | 45,981 |
|  | Three Months Ended September 30, 2022 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 4,844 |  |  | $ | 39 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,883 |
Commercial real estate residential |  |  | 4,200 |  |  |  | 651 |  |  |  | 0 |  |  |  | 25 |  |  |  | 4,876 |
Commercial real estate nonresidential |  |  | 8,968 |  |  |  | 617 |  |  |  | 0 |  |  |  | 10 |  |  |  | 9,595 |
Dealer floorplans |  |  | 1,477 |  |  |  | 61 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,538 |
Commercial other |  |  | 4,473 |  |  |  | 886 |  |  |  | (307 | ) |  |  | 145 |  |  |  | 5,197 |
Real estate mortgage |  |  | 8,179 |  |  |  | (338 | ) |  |  | (11 | ) |  |  | 5 |  |  |  | 7,835 |
Home equity |  |  | 887 |  |  |  | 41 |  |  |  | 0 |  |  |  | 12 |  |  |  | 940 |
Consumer direct |  |  | 1,621 |  |  |  | (71 | ) |  |  | (81 | ) |  |  | 205 |  |  |  | 1,674 |
Consumer indirect |  |  | 7,695 |  |  |  | 528 |  |  |  | (804 | ) |  |  | 476 |  |  |  | 7,895 |
Total |  | $ | 42,344 |  |  | $ | 2,414 |  |  | $ | (1,203 | ) |  | $ | 878 |  |  | $ | 44,433 |
|  | Nine Months Ended September 30, 2022 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,080 |  |  | $ | 19 |  |  | $ | (216 | ) |  | $ | 0 |  |  | $ | 4,883 |
Commercial real estate residential |  |  | 3,986 |  |  |  | 885 |  |  |  | (31 | ) |  |  | 36 |  |  |  | 4,876 |
Commercial real estate nonresidential |  |  | 8,884 |  |  |  | 568 |  |  |  | 0 |  |  |  | 143 |  |  |  | 9,595 |
Dealer floorplans |  |  | 1,436 |  |  |  | 102 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,538 |
Commercial other |  |  | 4,422 |  |  |  | 1,079 |  |  |  | (651 | ) |  |  | 347 |  |  |  | 5,197 |
Real estate mortgage |  |  | 7,637 |  |  |  | 345 |  |  |  | (188 | ) |  |  | 41 |  |  |  | 7,835 |
Home equity |  |  | 866 |  |  |  | 79 |  |  |  | (24 | ) |  |  | 19 |  |  |  | 940 |
Consumer direct |  |  | 1,951 |  |  |  | (316 | ) |  |  | (426 | ) |  |  | 465 |  |  |  | 1,674 |
Consumer indirect |  |  | 7,494 |  |  |  | 605 |  |  |  | (1,815 | ) |  |  | 1,611 |  |  |  | 7,895 |
Total |  | $ | 41,756 |  |  | $ | 3,366 |  |  | $ | (3,351 | ) |  | $ | 2,662 |  |  | $ | 44,433 |
Nonaccrual Loans Segregated by Class of Loans | Refer to Note 1 to the condensed 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 September 30, 2023 and December 31, 2022 were as follows:
|  | September 30, 2023 |
(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 |  |  |  | 514 |  |  |  | 313 |  |  |  | 827 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 970 |  |  |  | 1,163 |  |  |  | 2,133 |
Commercial other |  |  | 0 |  |  |  | 561 |  |  |  | 379 |  |  |  | 940 |
Total commercial loans |  |  | 0 |  |  |  | 2,045 |  |  |  | 1,855 |  |  |  | 3,900 |
Real estate mortgage |  |  | 0 |  |  |  | 2,678 |  |  |  | 5,159 |  |  |  | 7,837 |
Home equity lines |  |  | 0 |  |  |  | 193 |  |  |  | 468 |  |  |  | 661 |
Total residential loans |  |  | 0 |  |  |  | 2,871 |  |  |  | 5,627 |  |  |  | 8,498 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 29 |  |  |  | 29 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 558 |  |  |  | 558 |
Total consumer loans |  |  | 0 |  |  |  | 0 |  |  |  | 587 |  |  |  | 587 |
Loans and lease financing |  | $ | 0 |  |  | $ | 4,916 |  |  | $ | 8,069 |  |  | $ | 12,985 |
|  | December 31, 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 |  |  |  | 355 |  |  |  | 258 |  |  |  | 613 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 1,116 |  |  |  | 1,947 |  |  |  | 3,063 |
Commercial other |  |  | 0 |  |  |  | 982 |  |  |  | 369 |  |  |  | 1,351 |
Total commercial loans |  |  | 0 |  |  |  | 2,453 |  |  |  | 2,574 |  |  |  | 5,027 |
Real estate mortgage |  |  | 0 |  |  |  | 4,069 |  |  |  | 4,929 |  |  |  | 8,998 |
Home equity lines |  |  | 0 |  |  |  | 291 |  |  |  | 487 |  |  |  | 778 |
Total residential loans |  |  | 0 |  |  |  | 4,360 |  |  |  | 5,416 |  |  |  | 9,776 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 41 |  |  |  | 41 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 465 |  |  |  | 465 |
Total consumer loans |  |  | 0 |  |  |  | 0 |  |  |  | 506 |  |  |  | 506 |
Loans and lease financing |  | $ | 0 |  |  | $ | 6,813 |  |  | $ | 8,496 |  |  | $ | 15,309 |
Bank's Loan Portfolio Aging Analysis, Segregated by Class | The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2023 and December 31, 2022 (includes loans 90 days past due and still accruing as well):
|  | September 30, 2023 |
(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 |  |  | $ | 386,067 |  |  | $ | 386,067 |
Commercial real estate residential |  |  | 342 |  |  |  | 737 |  |  |  | 827 |  |  |  | 1,906 |  |  |  | 402,873 |  |  |  | 404,779 |
Commercial real estate nonresidential |  |  | 380 |  |  |  | 486 |  |  |  | 1,798 |  |  |  | 2,664 |  |  |  | 785,623 |  |  |  | 788,287 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61,920 |  |  |  | 61,920 |
Commercial other |  |  | 970 |  |  |  | 192 |  |  |  | 698 |  |  |  | 1,860 |  |  |  | 313,669 |  |  |  | 315,529 |
Total commercial loans |  |  | 1,692 |  |  |  | 1,415 |  |  |  | 3,323 |  |  |  | 6,430 |  |  |  | 1,950,152 |  |  |  | 1,956,582 |
Real estate mortgage |  |  | 1,017 |  |  |  | 3,008 |  |  |  | 5,976 |  |  |  | 10,001 |  |  |  | 906,579 |  |  |  | 916,580 |
Home equity lines |  |  | 635 |  |  |  | 417 |  |  |  | 498 |  |  |  | 1,550 |  |  |  | 137,535 |  |  |  | 139,085 |
Total residential loans |  |  | 1,652 |  |  |  | 3,425 |  |  |  | 6,474 |  |  |  | 11,551 |  |  |  | 1,044,114 |  |  |  | 1,055,665 |
Consumer direct |  |  | 537 |  |  |  | 135 |  |  |  | 29 |  |  |  | 701 |  |  |  | 160,011 |  |  |  | 160,712 |
Consumer indirect |  |  | 3,474 |  |  |  | 751 |  |  |  | 558 |  |  |  | 4,783 |  |  |  | 807,277 |  |  |  | 812,060 |
Total consumer loans |  |  | 4,011 |  |  |  | 886 |  |  |  | 587 |  |  |  | 5,484 |  |  |  | 967,288 |  |  |  | 972,772 |
Loans and lease financing |  | $ | 7,355 |  |  | $ | 5,726 |  |  | $ | 10,384 |  |  | $ | 23,465 |  |  | $ | 3,961,554 |  |  | $ | 3,985,019 |
|  | December 31, 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 |  |  | $ | 343,640 |  |  | $ | 343,640 |
Commercial real estate residential |  |  | 602 |  |  |  | 225 |  |  |  | 574 |  |  |  | 1,401 |  |  |  | 371,513 |  |  |  | 372,914 |
Commercial real estate nonresidential |  |  | 2,549 |  |  |  | 395 |  |  |  | 2,611 |  |  |  | 5,555 |  |  |  | 756,794 |  |  |  | 762,349 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 77,533 |  |  |  | 77,533 |
Commercial other |  |  | 1,029 |  |  |  | 850 |  |  |  | 496 |  |  |  | 2,375 |  |  |  | 310,047 |  |  |  | 312,422 |
Total commercial loans |  |  | 4,180 |  |  |  | 1,470 |  |  |  | 3,681 |  |  |  | 9,331 |  |  |  | 1,859,527 |  |  |  | 1,868,858 |
Real estate mortgage |  |  | 869 |  |  |  | 3,402 |  |  |  | 7,067 |  |  |  | 11,338 |  |  |  | 813,658 |  |  |  | 824,996 |
Home equity lines |  |  | 786 |  |  |  | 44 |  |  |  | 740 |  |  |  | 1,570 |  |  |  | 118,970 |  |  |  | 120,540 |
Total residential loans |  |  | 1,655 |  |  |  | 3,446 |  |  |  | 7,807 |  |  |  | 12,908 |  |  |  | 932,628 |  |  |  | 945,536 |
Consumer direct |  |  | 555 |  |  |  | 126 |  |  |  | 41 |  |  |  | 722 |  |  |  | 156,782 |  |  |  | 157,504 |
Consumer indirect |  |  | 4,407 |  |  |  | 764 |  |  |  | 465 |  |  |  | 5,636 |  |  |  | 731,756 |  |  |  | 737,392 |
Total consumer loans |  |  | 4,962 |  |  |  | 890 |  |  |  | 506 |  |  |  | 6,358 |  |  |  | 888,538 |  |  |  | 894,896 |
Loans and lease financing |  | $ | 10,797 |  |  | $ | 5,806 |  |  | $ | 11,994 |  |  | $ | 28,597 |  |  | $ | 3,680,693 |  |  | $ | 3,709,290 |
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, as well as gross charge-offs year to date, if any, segregated by class of loans and based on last credit decision or year of origination:
September 30, 2023 |  | Term Loans Amortized Cost Basis by Origination Year |
(in thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 60,331 |  |  | $ | 148,174 |  |  | $ | 28,235 |  |  | $ | 17,829 |  |  | $ | 45,797 |  |  | $ | 42,572 |  |  | $ | 4,043 |  |  | $ | 346,981 |
Watch |  |  | 2,910 |  |  |  | 6,873 |  |  |  | 8,798 |  |  |  | 4,651 |  |  |  | 3,387 |  |  |  | 3,677 |  |  |  | 0 |  |  |  | 30,296 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 6,899 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 6,899 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,130 |  |  |  | 0 |  |  |  | 1,130 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 761 |  |  |  | 0 |  |  |  | 761 |
Total hotel/motel |  |  | 63,241 |  |  |  | 155,047 |  |  |  | 43,932 |  |  |  | 22,480 |  |  |  | 49,184 |  |  |  | 48,140 |  |  |  | 4,043 |  |  |  | 386,067 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 80,388 |  |  |  | 98,714 |  |  |  | 102,817 |  |  |  | 31,746 |  |  |  | 12,506 |  |  |  | 39,286 |  |  |  | 14,935 |  |  |  | 380,392 |
Watch |  |  | 821 |  |  |  | 1,895 |  |  |  | 361 |  |  |  | 1,717 |  |  |  | 733 |  |  |  | 6,548 |  |  |  | 105 |  |  |  | 12,180 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 64 |  |  |  | 0 |  |  |  | 64 |
Substandard |  |  | 480 |  |  |  | 601 |  |  |  | 4,701 |  |  |  | 830 |  |  |  | 288 |  |  |  | 5,243 |  |  |  | 0 |  |  |  | 12,143 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 81,689 |  |  |  | 101,210 |  |  |  | 107,879 |  |  |  | 34,293 |  |  |  | 13,527 |  |  |  | 51,141 |  |  |  | 15,040 |  |  |  | 404,779 |
Commercial real estate residential current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (28 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (28 | )
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 119,199 |  |  |  | 143,457 |  |  |  | 149,481 |  |  |  | 77,786 |  |  |  | 63,228 |  |  |  | 148,356 |  |  |  | 26,884 |  |  |  | 728,391 |
Watch |  |  | 517 |  |  |  | 3,870 |  |  |  | 6,452 |  |  |  | 9,662 |  |  |  | 7,541 |  |  |  | 6,525 |  |  |  | 487 |  |  |  | 35,054 |
OAEM |  |  | 2,375 |  |  |  | 19 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 68 |  |  |  | 0 |  |  |  | 2,462 |
Substandard |  |  | 1,389 |  |  |  | 1,435 |  |  |  | 2,516 |  |  |  | 4,500 |  |  |  | 3,121 |  |  |  | 9,404 |  |  |  | 0 |  |  |  | 22,365 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 0 |  |  |  | 15 |
Total commercial real estate nonresidential |  |  | 123,480 |  |  |  | 148,781 |  |  |  | 158,449 |  |  |  | 91,948 |  |  |  | 73,890 |  |  |  | 164,368 |  |  |  | 27,371 |  |  |  | 788,287 |
Commercial real estate nonresidential current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (9 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (9 | )
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61,920 |  |  |  | 61,920 |
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 dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61,920 |  |  |  | 61,920 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 59,794 |  |  |  | 50,682 |  |  |  | 42,666 |  |  |  | 30,987 |  |  |  | 5,456 |  |  |  | 23,384 |  |  |  | 80,933 |  |  |  | 293,902 |
Watch |  |  | 716 |  |  |  | 1,268 |  |  |  | 783 |  |  |  | 132 |  |  |  | 261 |  |  |  | 694 |  |  |  | 5,899 |  |  |  | 9,753 |
OAEM |  |  | 0 |  |  |  | 30 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30 |  |  |  | 60 |
Substandard |  |  | 867 |  |  |  | 3,995 |  |  |  | 4,667 |  |  |  | 920 |  |  |  | 260 |  |  |  | 500 |  |  |  | 605 |  |  |  | 11,814 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  |  | 61,377 |  |  |  | 55,975 |  |  |  | 48,116 |  |  |  | 32,039 |  |  |  | 5,977 |  |  |  | 24,578 |  |  |  | 87,467 |  |  |  | 315,529 |
Commercial other current period gross charge-offs |  |  | (516 | ) |  |  | (632 | ) |  |  | (154 | ) |  |  | (17 | ) |  |  | (90 | ) |  |  | (46 | ) |  |  | 0 |  |  |  | (1,455 | )
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 319,712 |  |  |  | 441,027 |  |  |  | 323,199 |  |  |  | 158,348 |  |  |  | 126,987 |  |  |  | 253,598 |  |  |  | 188,715 |  |  |  | 1,811,586 |
Watch |  |  | 4,964 |  |  |  | 13,906 |  |  |  | 16,394 |  |  |  | 16,162 |  |  |  | 11,922 |  |  |  | 17,444 |  |  |  | 6,491 |  |  |  | 87,283 |
OAEM |  |  | 2,375 |  |  |  | 49 |  |  |  | 6,899 |  |  |  | 0 |  |  |  | 0 |  |  |  | 132 |  |  |  | 30 |  |  |  | 9,485 |
Substandard |  |  | 2,736 |  |  |  | 6,031 |  |  |  | 11,884 |  |  |  | 6,250 |  |  |  | 3,669 |  |  |  | 16,277 |  |  |  | 605 |  |  |  | 47,452 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 776 |  |  |  | 0 |  |  |  | 776 |
Total commercial loans |  | $ | 329,787 |  |  | $ | 461,013 |  |  | $ | 358,376 |  |  | $ | 180,760 |  |  | $ | 142,578 |  |  | $ | 288,227 |  |  | $ | 195,841 |  |  | $ | 1,956,582 |
Total commercial loans current period gross charge-offs |  | $ | (516 | ) |  | $ | (632 | ) |  | $ | (182 | ) |  | $ | (26 | ) |  | $ | (90 | ) |  | $ | (46 | ) |  | $ | 0 |  |  | $ | (1,492 | )
December 31, 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 |  | $ | 145,262 |  |  | $ | 36,002 |  |  | $ | 17,742 |  |  | $ | 54,328 |  |  | $ | 13,178 |  |  | $ | 35,179 |  |  | $ | 545 |  |  | $ | 302,236 |
Watch |  |  | 7,921 |  |  |  | 8,996 |  |  |  | 5,523 |  |  |  | 3,453 |  |  |  | 0 |  |  |  | 13,555 |  |  |  | 0 |  |  |  | 39,448 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,956 |  |  |  | 0 |  |  |  | 1,956 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total hotel/motel |  |  | 153,183 |  |  |  | 44,998 |  |  |  | 23,265 |  |  |  | 57,781 |  |  |  | 13,178 |  |  |  | 50,690 |  |  |  | 545 |  |  |  | 343,640 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 119,826 |  |  |  | 110,963 |  |  |  | 38,423 |  |  |  | 15,467 |  |  |  | 10,492 |  |  |  | 36,307 |  |  |  | 14,297 |  |  |  | 345,775 |
Watch |  |  | 1,474 |  |  |  | 898 |  |  |  | 1,675 |  |  |  | 848 |  |  |  | 2,136 |  |  |  | 7,015 |  |  |  | 152 |  |  |  | 14,198 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 39 |  |  |  | 0 |  |  |  | 0 |  |  |  | 29 |  |  |  | 68 |
Substandard |  |  | 182 |  |  |  | 4,289 |  |  |  | 1,878 |  |  |  | 346 |  |  |  | 3,639 |  |  |  | 2,539 |  |  |  | 0 |  |  |  | 12,873 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 121,482 |  |  |  | 116,150 |  |  |  | 41,976 |  |  |  | 16,700 |  |  |  | 16,267 |  |  |  | 45,861 |  |  |  | 14,478 |  |  |  | 372,914 |
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 175,220 |  |  |  | 171,311 |  |  |  | 80,932 |  |  |  | 70,848 |  |  |  | 44,099 |  |  |  | 137,575 |  |  |  | 23,166 |  |  |  | 703,151 |
Watch |  |  | 3,331 |  |  |  | 5,765 |  |  |  | 10,090 |  |  |  | 2,178 |  |  |  | 1,962 |  |  |  | 10,022 |  |  |  | 1,550 |  |  |  | 34,898 |
OAEM |  |  | 19 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 90 |  |  |  | 0 |  |  |  | 109 |
Substandard |  |  | 1,939 |  |  |  | 2,537 |  |  |  | 4,877 |  |  |  | 3,135 |  |  |  | 508 |  |  |  | 10,865 |  |  |  | 25 |  |  |  | 23,886 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 305 |  |  |  | 0 |  |  |  | 305 |
Total commercial real estate nonresidential |  |  | 180,509 |  |  |  | 179,613 |  |  |  | 95,899 |  |  |  | 76,161 |  |  |  | 46,569 |  |  |  | 158,857 |  |  |  | 24,741 |  |  |  | 762,349 |
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 77,153 |  |  |  | 77,153 |
Watch |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 380 |  |  |  | 380 |
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 |  |  |  | 77,533 |  |  |  | 77,533 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 78,846 |  |  |  | 60,550 |  |  |  | 34,841 |  |  |  | 8,922 |  |  |  | 2,333 |  |  |  | 23,961 |  |  |  | 77,355 |  |  |  | 286,808 |
Watch |  |  | 1,622 |  |  |  | 393 |  |  |  | 604 |  |  |  | 217 |  |  |  | 159 |  |  |  | 780 |  |  |  | 6,402 |  |  |  | 10,177 |
OAEM |  |  | 30 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30 |  |  |  | 60 |
Substandard |  |  | 6,090 |  |  |  | 5,489 |  |  |  | 885 |  |  |  | 356 |  |  |  | 143 |  |  |  | 758 |  |  |  | 952 |  |  |  | 14,673 |
Doubtful |  |  | 466 |  |  |  | 129 |  |  |  | 0 |  |  |  | 109 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 704 |
Total commercial other |  |  | 87,054 |  |  |  | 66,561 |  |  |  | 36,330 |  |  |  | 9,604 |  |  |  | 2,635 |  |  |  | 25,499 |  |  |  | 84,739 |  |  |  | 312,422 |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 519,154 |  |  |  | 378,826 |  |  |  | 171,938 |  |  |  | 149,565 |  |  |  | 70,102 |  |  |  | 233,022 |  |  |  | 192,516 |  |  |  | 1,715,123 |
Watch |  |  | 14,348 |  |  |  | 16,052 |  |  |  | 17,892 |  |  |  | 6,696 |  |  |  | 4,257 |  |  |  | 31,372 |  |  |  | 8,484 |  |  |  | 99,101 |
OAEM |  |  | 49 |  |  |  | 0 |  |  |  | 0 |  |  |  | 39 |  |  |  | 0 |  |  |  | 2,046 |  |  |  | 59 |  |  |  | 2,193 |
Substandard |  |  | 8,211 |  |  |  | 12,315 |  |  |  | 7,640 |  |  |  | 3,837 |  |  |  | 4,290 |  |  |  | 14,162 |  |  |  | 977 |  |  |  | 51,432 |
Doubtful |  |  | 466 |  |  |  | 129 |  |  |  | 0 |  |  |  | 109 |  |  |  | 0 |  |  |  | 305 |  |  |  | 0 |  |  |  | 1,009 |
Total commercial loans |  | $ | 542,228 |  |  | $ | 407,322 |  |  | $ | 197,470 |  |  | $ | 160,246 |  |  | $ | 78,649 |  |  | $ | 280,907 |  |  | $ | 202,036 |  |  | $ | 1,868,858 |
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:
September 30, 2023 |  | Term Loans Amortized Cost Basis by Origination Year |
(in thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 8,194 |  |  | $ | 130,230 |  |  | $ | 138,424 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 460 |  |  |  | 201 |  |  |  | 661 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,654 |  |  |  | 130,431 |  |  |  | 139,085 |
Home equity lines current period gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (23 | ) |  |  | 0 |  |  |  | (23 | )
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 154,430 |  |  |  | 169,909 |  |  |  | 164,008 |  |  |  | 122,622 |  |  |  | 57,895 |  |  |  | 239,879 |  |  |  | 0 |  |  |  | 908,743 |
Nonperforming |  |  | 85 |  |  |  | 110 |  |  |  | 248 |  |  |  | 192 |  |  |  | 636 |  |  |  | 6,566 |  |  |  | 0 |  |  |  | 7,837 |
Total mortgage loans |  |  | 154,515 |  |  |  | 170,019 |  |  |  | 164,256 |  |  |  | 122,814 |  |  |  | 58,531 |  |  |  | 246,445 |  |  |  | 0 |  |  |  | 916,580 |
Mortgage loans current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (47 | ) |  |  | 0 |  |  |  | (1 | ) |  |  | (51 | ) |  |  | 0 |  |  |  | (99 | )
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 154,430 |  |  |  | 169,909 |  |  |  | 164,008 |  |  |  | 122,622 |  |  |  | 57,895 |  |  |  | 248,073 |  |  |  | 130,230 |  |  |  | 1,047,167 |
Nonperforming |  |  | 85 |  |  |  | 110 |  |  |  | 248 |  |  |  | 192 |  |  |  | 636 |  |  |  | 7,026 |  |  |  | 201 |  |  |  | 8,498 |
Total residential loans |  |  | 154,515 |  |  |  | 170,019 |  |  |  | 164,256 |  |  |  | 122,814 |  |  |  | 58,531 |  |  |  | 255,099 |  |  |  | 130,431 |  |  |  | 1,055,665 |
Total residential loans current period gross charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | (47 | ) |  | $ | 0 |  |  | $ | (1 | ) |  | $ | (74 | ) |  | $ | 0 |  |  | $ | (122 | )
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 52,926 |  |  | $ | 40,153 |  |  | $ | 28,867 |  |  | $ | 17,302 |  |  | $ | 8,126 |  |  | $ | 13,309 |  |  | $ | 0 |  |  | $ | 160,683 |
Nonperforming |  |  | 22 |  |  |  | 7 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 29 |
Total consumer direct loans |  |  | 52,948 |  |  |  | 40,160 |  |  |  | 28,867 |  |  |  | 17,302 |  |  |  | 8,126 |  |  |  | 13,309 |  |  |  | 0 |  |  |  | 160,712 |
Total consumer direct loans current period gross charge-offs |  |  | (13 | ) |  |  | (229 | ) |  |  | (72 | ) |  |  | (33 | ) |  |  | (25 | ) |  |  | (14 | ) |  |  | 0 |  |  |  | (386 | )
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 291,394 |  |  |  | 276,030 |  |  |  | 122,173 |  |  |  | 78,939 |  |  |  | 28,370 |  |  |  | 14,596 |  |  |  | 0 |  |  |  | 811,502 |
Nonperforming |  |  | 64 |  |  |  | 280 |  |  |  | 163 |  |  |  | 27 |  |  |  | 6 |  |  |  | 18 |  |  |  | 0 |  |  |  | 558 |
Total consumer indirect loans |  |  | 291,458 |  |  |  | 276,310 |  |  |  | 122,336 |  |  |  | 78,966 |  |  |  | 28,376 |  |  |  | 14,614 |  |  |  | 0 |  |  |  | 812,060 |
Total consumer indirect loans current period gross charge-offs |  |  | (213 | ) |  |  | (1,568 | ) |  |  | (1,375 | ) |  |  | (370 | ) |  |  | (94 | ) |  |  | (110 | ) |  |  | 0 |  |  |  | (3,730 | )
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 344,320 |  |  |  | 316,183 |  |  |  | 151,040 |  |  |  | 96,241 |  |  |  | 36,496 |  |  |  | 27,905 |  |  |  | 0 |  |  |  | 972,185 |
Nonperforming |  |  | 86 |  |  |  | 287 |  |  |  | 163 |  |  |  | 27 |  |  |  | 6 |  |  |  | 18 |  |  |  | 0 |  |  |  | 587 |
Total consumer loans |  |  | 344,406 |  |  |  | 316,470 |  |  |  | 151,203 |  |  |  | 96,268 |  |  |  | 36,502 |  |  |  | 27,923 |  |  | $ | 0 |  |  |  | 972,772 |
Total consumer loans current period gross charge-offs |  | $ | (226 | ) |  | $ | (1,797 | ) |  | $ | (1,447 | ) |  | $ | (403 | ) |  | $ | (119 | ) |  | $ | (124 | ) |  | $ | 0 |  |  | $ | (4,116 | )
December 31, 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 |  |  | $ | 10,195 |  |  | $ | 109,567 |  |  | $ | 119,762 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 502 |  |  |  | 276 |  |  |  | 778 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10,697 |  |  |  | 109,843 |  |  |  | 120,540 |
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 176,736 |  |  |  | 177,469 |  |  |  | 132,795 |  |  |  | 62,415 |  |  |  | 30,473 |  |  |  | 236,110 |  |  |  | 0 |  |  |  | 815,998 |
Nonperforming |  |  | 0 |  |  |  | 282 |  |  |  | 98 |  |  |  | 791 |  |  |  | 422 |  |  |  | 7,405 |  |  |  | 0 |  |  |  | 8,998 |
Total mortgage loans |  |  | 176,736 |  |  |  | 177,751 |  |  |  | 132,893 |  |  |  | 63,206 |  |  |  | 30,895 |  |  |  | 243,515 |  |  |  | 0 |  |  |  | 824,996 |
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 176,736 |  |  |  | 177,469 |  |  |  | 132,795 |  |  |  | 62,415 |  |  |  | 30,473 |  |  |  | 246,305 |  |  |  | 109,567 |  |  |  | 935,760 |
Nonperforming |  |  | 0 |  |  |  | 282 |  |  |  | 98 |  |  |  | 791 |  |  |  | 422 |  |  |  | 7,907 |  |  |  | 276 |  |  |  | 9,776 |
Total residential loans |  | $ | 176,736 |  |  | $ | 177,751 |  |  | $ | 132,893 |  |  | $ | 63,206 |  |  | $ | 30,895 |  |  | $ | 254,212 |  |  | $ | 109,843 |  |  | $ | 945,536 |
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 62,239 |  |  | $ | 42,014 |  |  | $ | 23,921 |  |  | $ | 11,166 |  |  | $ | 6,766 |  |  | $ | 11,357 |  |  | $ | 0 |  |  | $ | 157,463 |
Nonperforming |  |  | 25 |  |  |  | 11 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 41 |
Total consumer direct loans |  |  | 62,264 |  |  |  | 42,025 |  |  |  | 23,926 |  |  |  | 11,166 |  |  |  | 6,766 |  |  |  | 11,357 |  |  |  | 0 |  |  |  | 157,504 |
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 371,079 |  |  |  | 168,513 |  |  |  | 116,267 |  |  |  | 45,748 |  |  |  | 26,247 |  |  |  | 9,073 |  |  |  | 0 |  |  |  | 736,927 |
Nonperforming |  |  | 65 |  |  |  | 251 |  |  |  | 96 |  |  |  | 30 |  |  |  | 1 |  |  |  | 22 |  |  |  | 0 |  |  |  | 465 |
Total consumer indirect loans |  |  | 371,144 |  |  |  | 168,764 |  |  |  | 116,363 |  |  |  | 45,778 |  |  |  | 26,248 |  |  |  | 9,095 |  |  |  | 0 |  |  |  | 737,392 |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 433,318 |  |  |  | 210,527 |  |  |  | 140,188 |  |  |  | 56,914 |  |  |  | 33,013 |  |  |  | 20,430 |  |  |  | 0 |  |  |  | 894,390 |
Nonperforming |  |  | 90 |  |  |  | 262 |  |  |  | 101 |  |  |  | 30 |  |  |  | 1 |  |  |  | 22 |  |  |  | 0 |  |  |  | 506 |
Total consumer loans |  | $ | 433,408 |  |  | $ | 210,789 |  |  | $ | 140,289 |  |  | $ | 56,944 |  |  | $ | 33,014 |  |  | $ | 20,452 |  |  | $ | 0 |  |  | $ | 894,896 |
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:
|  | September 30, 2023 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 2 |  |  | $ | 8,029 |  |  | $ | 0 |
Commercial real estate residential |  |  | 2 |  |  |  | 5,116 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 6 |  |  |  | 11,633 |  |  |  | 0 |
Commercial other |  |  | 2 |  |  |  | 6,201 |  |  |  | 0 |
Total collateral dependent loans |  |  | 12 |  |  | $ | 30,979 |  |  | $ | 0 |
|  | December 31, 2022 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 1 |  |  | $ | 1,168 |  |  | $ | 0 |
Commercial real estate residential |  |  | 4 |  |  |  | 7,786 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 8 |  |  |  | 14,718 |  |  |  | 200 |
Commercial other |  |  | 2 |  |  |  | 8,926 |  |  |  | 1,000 |
Total collateral dependent loans |  |  | 15 |  |  | $ | 32,598 |  |  | $ | 1,200 |
|  | September 30, 2022 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 1 |  |  | $ | 1,181 |  |  | $ | 0 |
Commercial real estate residential |  |  | 3 |  |  |  | 5,820 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 9 |  |  |  | 16,720 |  |  |  | 350 |
Commercial other |  |  | 2 |  |  |  | 9,185 |  |  |  | 1,000 |
Total collateral dependent loans |  |  | 15 |  |  | $ | 32,906 |  |  | $ | 1,350 |
Modified Loans Segregated by Class of Loans and Concession Granted | Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. Those loans, segregated by class of loans and concession granted, are presented below for the three months ended September 30, 2023:
|  | Interest Rate Reduction |  |  | Term Extension |
(in thousands) |  | Amortized Cost at September 30, 2023 |  |  | % of total |  |  | Amortized Cost at September 30, 2023 |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 269 |  |  |  | 0.07 |  |  |  | 196 |  |  |  | 0.05 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,883 |  |  |  | 0.24 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 164 |  |  |  | 0.05 |
Commercial loans |  |  | 269 |  |  |  | 0.01 |  |  |  | 2,243 |  |  |  | 0.11 |
Real estate mortgage |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,362 |  |  |  | 0.15 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 224 |  |  |  | 0.16 |
Residential loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,586 |  |  |  | 0.15 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 269 |  |  |  | 0.01 | % |  | $ | 3,829 |  |  |  | 0.10 | %
|  | Combination – Term Extension and Interest Rate Reduction |  |  | Payment Change |
(in thousands) |  | Amortized Cost at September 30, 2023 |  |  | % of total |  |  | Amortized Cost at September 30, 2023 |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 81 |  |  |  | 0.03 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 81 |  |  |  | 0.00 |
Real estate mortgage |  |  | 661 |  |  |  | 0.07 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 49 |  |  |  | 0.04 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 710 |  |  |  | 0.07 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 710 |  |  |  | 0.02 | % |  | $ | 81 |  |  |  | 0.00 | %
Those loans, segregated by class of loans and concession granted, are presented below for the nine months ended September 30, 2023:
|  | Interest Rate Reduction |  |  | Term Extension |
(in thousands) |  | Amortized Cost at September 30, 2023 |  |  | % of total |  |  | Amortized Cost at September 30, 2023 |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 537 |  |  |  | 0.13 |  |  |  | 1,587 |  |  |  | 0.39 |
Commercial real estate nonresidential |  |  | 4,542 |  |  |  | 0.58 |  |  |  | 5,297 |  |  |  | 0.67 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,524 |  |  |  | 0.48 |
Commercial loans |  |  | 5,079 |  |  |  | 0.26 |  |  |  | 8,408 |  |  |  | 0.43 |
Real estate mortgage |  |  | 58 |  |  |  | 0.01 |  |  |  | 4,373 |  |  |  | 0.48 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 250 |  |  |  | 0.18 |
Residential loans |  |  | 58 |  |  |  | 0.01 |  |  |  | 4,623 |  |  |  | 0.44 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 192 |  |  |  | 0.12 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 394 |  |  |  | 0.05 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 586 |  |  |  | 0.06 |
Loans and lease financing |  | $ | 5,137 |  |  |  | 0.13 | % |  | $ | 13,617 |  |  |  | 0.34 | %
|  | Combination – Term Extension and Interest Rate Reduction |  |  | Payment Change |
(in thousands) |  | Amortized Cost at September 30, 2023 |  |  | % of total |  |  | Amortized Cost at September 30, 2023 |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 44 |  |  |  | 0.01 |  |  |  | 0 |  |  |  | 0.00 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 130 |  |  |  | 0.04 |
Commercial loans |  |  | 44 |  |  |  | 0.00 |  |  |  | 130 |  |  |  | 0.01 |
Real estate mortgage |  |  | 1,085 |  |  |  | 0.12 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 126 |  |  |  | 0.09 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 1,211 |  |  |  | 0.11 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 19 |  |  |  | 0.01 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 19 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 1,255 |  |  |  | 0.03 | % |  | $ | 149 |  |  |  | 0.00 | %
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty | The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2023:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  | Reduced weighted-average contractual interest rate from 9.5% to 7.5% |  | Added a weighted-average 2 years to life of the loans
Commercial real estate nonresidential |  |  |  | Added a weighted-average 0.2 years to life of the loans
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.8 years to life of the loans
Real estate mortgage |  |  |  | Added a weighted-average 1 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 4.9 years to life of the loans
Consumer direct |  |  |  |
Consumer indirect |  |  |  |
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  |
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 5.8% to 5.7% and increased the weighted-average life by 13.1 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.9% to 8.3% and increased the weighted-average life by 8.2 years |  |
Consumer direct |  |  |  |
Consumer indirect |  |  |  |
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2023:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  | Reduced weighted-average contractual interest rate from 9.5% to 7.8% |  | Added a weighted-average 0.6 years to life of the loans
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 9.5% to 7.5% |  | Added a weighted-average 0.1 years to life of the loans
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 1.4 years to life of the loans
Real estate mortgage |  | Resulted in no change of the weighted average contractual interest rate of 3.0% |  | Added a weighted-average 2.3 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 5.8 years to life of the loans
Consumer direct |  |  |  | Removed a weighted-average 0.7 years from life of the loans
Consumer indirect |  |  |  | Added a weighted-average 0.3 years to life of the loans
Loan Type |  | Combination – Term Extension and Interest Rate Reduction Financial Impact |  | Payment Changes Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  | Reduced weighted-average contractual interest rate from 10.8% to 6.5% and increased the weighted-average life by 0.3 years |  |
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Provided payment changes that will be added to the end of the original loan term
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 6.3% to 5.9% and increased the weighted-average life by 12.4 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.4% to 8.1% and increased the weighted-average life by 9.4 years |  |
Consumer direct |  |  |  | Provided payment changes that will be added to the end of the original loan term
Consumer indirect |  |  |  |
Troubled Debt Restructuring | Presented below, segregated by class of loans, are TDRs that occurred during the three and nine months ended September 30, 2022 and the year ended December 31, 2022:
|  | Three Months Ended September 30, 2022 |
|  | Pre-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Total Modification |
Commercial real estate residential |  |  | 2 |  |  | $ | 318 |  |  | $ | 0 |  |  | $ | 318 |
Commercial real estate nonresidential |  |  | 1 |  |  |  | 190 |  |  |  | 0 |  |  |  | 190 |
Commercial other |  |  | 1 |  |  |  | 5,222 |  |  |  | 0 |  |  |  | 5,222 |
Total commercial loans |  |  | 4 |  |  |  | 5,730 |  |  |  | 0 |  |  |  | 5,730 |
Real estate mortgage |  |  | 2 |  |  |  | 288 |  |  |  | 393 |  |  |  | 681 |
Total residential loans |  |  | 2 |  |  |  | 288 |  |  |  | 393 |  |  |  | 681 |
Total troubled debt restructurings |  |  | 6 |  |  | $ | 6,018 |  |  | $ | 393 |  |  | $ | 6,411 |
|  | Three Months Ended September 30, 2022 |
|  | Post-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Total Modification |
Commercial real estate residential |  |  | 2 |  |  | $ | 318 |  |  |  | 0 |  |  | $ | 318 |
Commercial real estate nonresidential |  |  | 1 |  |  |  | 189 |  |  |  | 0 |  |  |  | 189 |
Commercial other |  |  | 1 |  |  |  | 5,222 |  |  |  | 0 |  |  |  | 5,222 |
Total commercial loans |  |  | 4 |  |  |  | 5,729 |  |  |  | 0 |  |  |  | 5,729 |
Real estate mortgage |  |  | 2 |  |  |  | 288 |  |  |  | 393 |  |  |  | 681 |
Total residential loans |  |  | 2 |  |  |  | 288 |  |  |  | 393 |  |  |  | 681 |
Total troubled debt restructurings |  |  | 6 |  |  | $ | 6,017 |  |  | $ | 393 |  |  | $ | 6,410 |
|  | Nine Months Ended September 30, 2022 |
|  | Pre-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Total Modification |
Commercial real estate residential |  |  | 4 |  |  | $ | 472 |  |  | $ | 0 |  |  | $ | 472 |
Commercial real estate nonresidential |  |  | 3 |  |  |  | 435 |  |  |  | 0 |  |  |  | 435 |
Commercial other |  |  | 10 |  |  |  | 11,748 |  |  |  | 0 |  |  |  | 11,748 |
Total commercial loans |  |  | 17 |  |  |  | 12,655 |  |  |  | 0 |  |  |  | 12,655 |
Real estate mortgage |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 1,902 |
Total residential loans |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 1,902 |
Total troubled debt restructurings |  |  | 22 |  |  | $ | 13,248 |  |  | $ | 1,309 |  |  | $ | 14,557 |
|  | Nine Months Ended September 30, 2022 |
|  | Post-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Total Modification |
Commercial real estate residential |  |  | 4 |  |  | $ | 472 |  |  | $ | 0 |  |  | $ | 472 |
Commercial real estate nonresidential |  |  | 3 |  |  |  | 433 |  |  |  | 0 |  |  |  | 433 |
Commercial other |  |  | 10 |  |  |  | 11,747 |  |  |  | 0 |  |  |  | 11,747 |
Total commercial loans |  |  | 17 |  |  |  | 12,652 |  |  |  | 0 |  |  |  | 12,652 |
Real estate mortgage |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 1,902 |
Total residential loans |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 1,902 |
Total troubled debt restructurings |  |  | 22 |  |  | $ | 13,245 |  |  | $ | 1,309 |  |  | $ | 14,554 |
|  | Year Ended December 31, 2022 |
|  | Pre-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Other |  |  | Total Modification |
Commercial real estate residential |  |  | 6 |  |  | $ | 659 |  |  | $ | 0 |  |  | $ | 66 |  |  | $ | 725 |
Commercial real estate nonresidential |  |  | 8 |  |  |  | 1,206 |  |  |  | 0 |  |  |  | 118 |  |  |  | 1,324 |
Hotel/motel |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 22 |  |  |  | 12,812 |  |  |  | 0 |  |  |  | 66 |  |  |  | 12,878 |
Total commercial loans |  |  | 36 |  |  |  | 14,677 |  |  |  | 0 |  |  |  | 250 |  |  |  | 14,927 |
Real estate mortgage |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 0 |  |  |  | 1,902 |
Total residential loans |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 0 |  |  |  | 1,902 |
Total troubled debt restructurings |  |  | 41 |  |  | $ | 15,270 |  |  | $ | 1,309 |  |  | $ | 250 |  |  | $ | 16,829 |
|  | Year Ended December 31, 2022 |
|  | Post-Modification Outstanding Balance |
(in thousands) |  | Number of Loans |  |  | Term Modification |  |  | Combination |  |  | Other |  |  | Total Modification |
Commercial real estate residential |  |  | 6 |  |  | $ | 659 |  |  | $ | 0 |  |  | $ | 66 |  |  | $ | 725 |
Commercial real estate nonresidential |  |  | 8 |  |  |  | 1,342 |  |  |  | 0 |  |  |  | 118 |  |  |  | 1,460 |
Hotel/motel |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 22 |  |  |  | 12,811 |  |  |  | 0 |  |  |  | 66 |  |  |  | 12,877 |
Total commercial loans |  |  | 36 |  |  |  | 14,812 |  |  |  | 0 |  |  |  | 250 |  |  |  | 15,062 |
Real estate mortgage |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 0 |  |  |  | 1,902 |
Total residential loans |  |  | 5 |  |  |  | 593 |  |  |  | 1,309 |  |  |  | 0 |  |  |  | 1,902 |
Total troubled debt restructurings |  |  | 41 |  |  | $ | 15,405 |  |  | $ | 1,309 |  |  | $ | 250 |  |  | $ | 16,964 |
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty | The table below represents the payment status of modified loans to borrowers experiencing financial difficulty.
|  | Past Due Status (Amortized Cost Basis) |
|  | Current |  |  |  | 30-89 Days |  |  |  | 90+ Days |  |  | Nonaccrual |
Hotel/motel |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate residential |  |  | 2,122 |  |  |  | 44 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 9,813 |  |  |  | 0 |  |  |  | 26 |  |  |  | 0 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 1,060 |  |  |  | 320 |  |  |  | 345 |  |  |  | 264 |
Real estate mortgage |  |  | 3,935 |  |  |  | 1,442 |  |  |  | 139 |  |  |  | 349 |
Home equity lines |  |  | 519 |  |  |  | 100 |  |  |  | 0 |  |  |  | 22 |
Consumer direct |  |  | 207 |  |  |  | 3 |  |  |  | 0 |  |  |  | 0 |
Consumer indirect |  |  | 366 |  |  |  | 29 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 18,022 |  |  | $ | 1,938 |  |  | $ | 510 |  |  | $ | 635 |

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