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Loans (Tables) | 6 Months Ended
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Jun. 30, 2024
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 2024 |  |  | December 31 2023 |
Hotel/motel |  | $ | 417,161 |  |  | $ | 395,765 |
Commercial real estate residential |  |  | 480,418 |  |  |  | 417,943 |
Commercial real estate nonresidential |  |  | 825,934 |  |  |  | 778,637 |
Dealer floorplans |  |  | 76,222 |  |  |  | 70,308 |
Commercial other |  |  | 352,041 |  |  |  | 321,082 |
Commercial loans |  |  | 2,151,776 |  |  |  | 1,983,735 |
Real estate mortgage |  |  | 978,144 |  |  |  | 937,524 |
Home equity lines |  |  | 154,311 |  |  |  | 147,036 |
Residential loans |  |  | 1,132,455 |  |  |  | 1,084,560 |
Consumer direct |  |  | 157,327 |  |  |  | 159,106 |
Consumer indirect |  |  | 819,689 |  |  |  | 823,505 |
Consumer loans |  |  | 977,016 |  |  |  | 982,611 |
Loans and lease financing |  | $ | 4,261,247 |  |  | $ | 4,050,906 |
Balance in ACL | The following tables present the balance in the ACL for the periods ended June 30, 2024, December 31, 2023 and June 30, 2023.
|  | Three Months Ended June 30, 2024 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 4,940 |  |  | $ | (493 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,447 |
Commercial real estate residential |  |  | 4,128 |  |  |  | 211 |  |  |  | 0 |  |  |  | 10 |  |  |  | 4,349 |
Commercial real estate nonresidential |  |  | 8,178 |  |  |  | 478 |  |  |  | 0 |  |  |  | 50 |  |  |  | 8,706 |
Dealer floorplans |  |  | 721 |  |  |  | (160 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 561 |
Commercial other |  |  | 3,799 |  |  |  | 149 |  |  |  | (679 | ) |  |  | 116 |  |  |  | 3,385 |
Real estate mortgage |  |  | 10,325 |  |  |  | 1,535 |  |  |  | (24 | ) |  |  | 4 |  |  |  | 11,840 |
Home equity |  |  | 1,304 |  |  |  | 8 |  |  |  | 0 |  |  |  | 6 |  |  |  | 1,318 |
Consumer direct |  |  | 3,571 |  |  |  | 131 |  |  |  | (189 | ) |  |  | 91 |  |  |  | 3,604 |
Consumer indirect |  |  | 13,605 |  |  |  | 1,113 |  |  |  | (1,944 | ) |  |  | 1,164 |  |  |  | 13,938 |
Total |  | $ | 50,571 |  |  | $ | 2,972 |  |  | $ | (2,836 | ) |  | $ | 1,441 |  |  | $ | 52,148 |
|  | Six Months Ended June 30, 2024 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 4,592 |  |  | $ | (145 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,447 |
Commercial real estate residential |  |  | 4,285 |  |  |  | 50 |  |  |  | 0 |  |  |  | 14 |  |  |  | 4,349 |
Commercial real estate nonresidential |  |  | 7,560 |  |  |  | 1,093 |  |  |  | 0 |  |  |  | 53 |  |  |  | 8,706 |
Dealer floorplans |  |  | 659 |  |  |  | (98 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 561 |
Commercial other |  |  | 3,760 |  |  |  | 263 |  |  |  | (846 | ) |  |  | 208 |  |  |  | 3,385 |
Real estate mortgage |  |  | 10,197 |  |  |  | 1,676 |  |  |  | (51 | ) |  |  | 18 |  |  |  | 11,840 |
Home equity |  |  | 1,367 |  |  |  | (57 | ) |  |  | 0 |  |  |  | 8 |  |  |  | 1,318 |
Consumer direct |  |  | 3,261 |  |  |  | 934 |  |  |  | (722 | ) |  |  | 131 |  |  |  | 3,604 |
Consumer indirect |  |  | 13,862 |  |  |  | 1,912 |  |  |  | (3,884 | ) |  |  | 2,048 |  |  |  | 13,938 |
Total |  | $ | 49,543 |  |  | $ | 5,628 |  |  | $ | (5,503 | ) |  | $ | 2,480 |  |  | $ | 52,148 |
|  | Year Ended December 31, 2023 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,171 |  |  | $ | (579 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 4,592 |
Commercial real estate residential |  |  | 4,894 |  |  |  | (706 | ) |  |  | (28 | ) |  |  | 125 |  |  |  | 4,285 |
Commercial real estate nonresidential |  |  | 9,419 |  |  |  | (2,252 | ) |  |  | (294 | ) |  |  | 687 |  |  |  | 7,560 |
Dealer floorplans |  |  | 1,776 |  |  |  | (1,117 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 659 |
Commercial other |  |  | 5,285 |  |  |  | (91 | ) |  |  | (1,900 | ) |  |  | 466 |  |  |  | 3,760 |
Real estate mortgage |  |  | 7,932 |  |  |  | 2,364 |  |  |  | (140 | ) |  |  | 41 |  |  |  | 10,197 |
Home equity |  |  | 1,106 |  |  |  | 278 |  |  |  | (23 | ) |  |  | 6 |  |  |  | 1,367 |
Consumer direct |  |  | 1,694 |  |  |  | 1,804 |  |  |  | (541 | ) |  |  | 304 |  |  |  | 3,261 |
Consumer indirect |  |  | 8,704 |  |  |  | 7,110 |  |  |  | (5,333 | ) |  |  | 3,381 |  |  |  | 13,862 |
Total |  | $ | 45,981 |  |  | $ | 6,811 |  |  | $ | (8,259 | ) |  | $ | 5,010 |  |  | $ | 49,543 |
|  | Three Months Ended June 30, 2023 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,287 |  |  | $ | (95 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,192 |
Commercial real estate residential |  |  | 5,157 |  |  |  | (1,384 | ) |  |  | (28 | ) |  |  | 4 |  |  |  | 3,749 |
Commercial real estate nonresidential |  |  | 9,010 |  |  |  | (1,393 | ) |  |  | (9 | ) |  |  | 189 |  |  |  | 7,797 |
Dealer floorplans |  |  | 1,694 |  |  |  | (537 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 1,157 |
Commercial other |  |  | 4,782 |  |  |  | 2,387 |  |  |  | (1,073 | ) |  |  | 80 |  |  |  | 6,176 |
Real estate mortgage |  |  | 7,917 |  |  |  | 10 |  |  |  | (55 | ) |  |  | 12 |  |  |  | 7,884 |
Home equity |  |  | 1,044 |  |  |  | 76 |  |  |  | (13 | ) |  |  | 1 |  |  |  | 1,108 |
Consumer direct |  |  | 1,746 |  |  |  | 807 |  |  |  | (82 | ) |  |  | 92 |  |  |  | 2,563 |
Consumer indirect |  |  | 10,046 |  |  |  | 2,138 |  |  |  | (693 | ) |  |  | 901 |  |  |  | 12,392 |
Total |  | $ | 46,683 |  |  | $ | 2,009 |  |  | $ | (1,953 | ) |  | $ | 1,279 |  |  | $ | 48,018 |
|  | Six Months Ended June 30, 2023 |
(in thousands) |  | Beginning Balance |  |  | Provision Charged to Expense |  |  | Losses Charged Off |  |  | Recoveries |  |  | Ending Balance |
ACL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Hotel/motel |  | $ | 5,171 |  |  | $ | 21 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,192 |
Commercial real estate residential |  |  | 4,894 |  |  |  | (1,198 | ) |  |  | (28 | ) |  |  | 81 |  |  |  | 3,749 |
Commercial real estate nonresidential |  |  | 9,419 |  |  |  | (1,946 | ) |  |  | (9 | ) |  |  | 333 |  |  |  | 7,797 |
Dealer floorplans |  |  | 1,776 |  |  |  | (619 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 1,157 |
Commercial other |  |  | 5,285 |  |  |  | 1,971 |  |  |  | (1,260 | ) |  |  | 180 |  |  |  | 6,176 |
Real estate mortgage |  |  | 7,932 |  |  |  | 31 |  |  |  | (95 | ) |  |  | 16 |  |  |  | 7,884 |
Home equity |  |  | 1,106 |  |  |  | 12 |  |  |  | (13 | ) |  |  | 3 |  |  |  | 1,108 |
Consumer direct |  |  | 1,694 |  |  |  | 912 |  |  |  | (238 | ) |  |  | 195 |  |  |  | 2,563 |
Consumer indirect |  |  | 8,704 |  |  |  | 3,941 |  |  |  | (2,075 | ) |  |  | 1,822 |  |  |  | 12,392 |
Total |  | $ | 45,981 |  |  | $ | 3,125 |  |  | $ | (3,718 | ) |  | $ | 2,630 |  |  | $ | 48,018 |
Nonaccrual Loans and Accruing Loans 90 Days Past Due 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 June 30, 2024 and December 31, 2023 were as follows:
|  | June 30, 2024 |
(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 |  |  |  | 661 |  |  |  | 657 |  |  |  | 1,318 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 616 |  |  |  | 4,448 |  |  |  | 5,064 |
Commercial other |  |  | 235 |  |  |  | 621 |  |  |  | 796 |  |  |  | 1,652 |
Total commercial loans |  |  | 235 |  |  |  | 1,898 |  |  |  | 5,901 |  |  |  | 8,034 |
Real estate mortgage |  |  | 0 |  |  |  | 2,387 |  |  |  | 7,316 |  |  |  | 9,703 |
Home equity lines |  |  | 0 |  |  |  | 156 |  |  |  | 760 |  |  |  | 916 |
Total residential loans |  |  | 0 |  |  |  | 2,543 |  |  |  | 8,076 |  |  |  | 10,619 |
Consumer direct |  |  | 0 |  |  |  | 451 |  |  |  | 91 |  |  |  | 542 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 635 |  |  |  | 635 |
Total consumer loans |  |  | 0 |  |  |  | 451 |  |  |  | 726 |  |  |  | 1,177 |
Loans and lease financing |  | $ | 235 |  |  | $ | 4,892 |  |  | $ | 14,703 |  |  | $ | 19,830 |
|  | December 31, 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 |  |  |  | 498 |  |  |  | 1,059 |  |  |  | 1,557 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 680 |  |  |  | 2,270 |  |  |  | 2,950 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 236 |  |  |  | 452 |  |  |  | 162 |  |  |  | 850 |
Total commercial loans |  |  | 236 |  |  |  | 1,630 |  |  |  | 3,491 |  |  |  | 5,357 |
Real estate mortgage |  |  | 0 |  |  |  | 1,996 |  |  |  | 5,302 |  |  |  | 7,298 |
Home equity lines |  |  | 0 |  |  |  | 186 |  |  |  | 557 |  |  |  | 743 |
Total residential loans |  |  | 0 |  |  |  | 2,182 |  |  |  | 5,859 |  |  |  | 8,041 |
Consumer direct |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 15 |
Consumer indirect |  |  | 0 |  |  |  | 0 |  |  |  | 555 |  |  |  | 555 |
Total consumer loans |  |  | 0 |  |  |  | 0 |  |  |  | 570 |  |  |  | 570 |
Loans and lease financing |  | $ | 236 |  |  | $ | 3,812 |  |  | $ | 9,920 |  |  | $ | 13,968 |
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, 2024 and December 31, 2023 (includes loans 90 days past due and still accruing as well):
|  | June 30, 2024 |
(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 |  |  | $ | 417,161 |  |  | $ | 417,161 |
Commercial real estate residential |  |  | 1,136 |  |  |  | 187 |  |  |  | 1,318 |  |  |  | 2,641 |  |  |  | 477,777 |  |  |  | 480,418 |
Commercial real estate nonresidential |  |  | 1,017 |  |  |  | 8,274 |  |  |  | 4,779 |  |  |  | 14,070 |  |  |  | 811,864 |  |  |  | 825,934 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 76,222 |  |  |  | 76,222 |
Commercial other |  |  | 1,192 |  |  |  | 516 |  |  |  | 1,312 |  |  |  | 3,020 |  |  |  | 349,021 |  |  |  | 352,041 |
Total commercial loans |  |  | 3,345 |  |  |  | 8,977 |  |  |  | 7,409 |  |  |  | 19,731 |  |  |  | 2,132,045 |  |  |  | 2,151,776 |
Real estate mortgage |  |  | 1,356 |  |  |  | 3,250 |  |  |  | 8,531 |  |  |  | 13,137 |  |  |  | 965,007 |  |  |  | 978,144 |
Home equity lines |  |  | 939 |  |  |  | 220 |  |  |  | 891 |  |  |  | 2,050 |  |  |  | 152,261 |  |  |  | 154,311 |
Total residential loans |  |  | 2,295 |  |  |  | 3,470 |  |  |  | 9,422 |  |  |  | 15,187 |  |  |  | 1,117,268 |  |  |  | 1,132,455 |
Consumer direct |  |  | 582 |  |  |  | 143 |  |  |  | 542 |  |  |  | 1,267 |  |  |  | 156,060 |  |  |  | 157,327 |
Consumer indirect |  |  | 4,713 |  |  |  | 1,483 |  |  |  | 635 |  |  |  | 6,831 |  |  |  | 812,858 |  |  |  | 819,689 |
Total consumer loans |  |  | 5,295 |  |  |  | 1,626 |  |  |  | 1,177 |  |  |  | 8,098 |  |  |  | 968,918 |  |  |  | 977,016 |
Loans and lease financing |  | $ | 10,935 |  |  | $ | 14,073 |  |  | $ | 18,008 |  |  | $ | 43,016 |  |  | $ | 4,218,231 |  |  | $ | 4,261,247 |
|  | December 31, 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 |  |  | $ | 395,765 |  |  | $ | 395,765 |
Commercial real estate residential |  |  | 1,047 |  |  |  | 275 |  |  |  | 1,525 |  |  |  | 2,847 |  |  |  | 415,096 |  |  |  | 417,943 |
Commercial real estate nonresidential |  |  | 549 |  |  |  | 332 |  |  |  | 2,619 |  |  |  | 3,500 |  |  |  | 775,137 |  |  |  | 778,637 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 70,308 |  |  |  | 70,308 |
Commercial other |  |  | 663 |  |  |  | 494 |  |  |  | 641 |  |  |  | 1,798 |  |  |  | 319,284 |  |  |  | 321,082 |
Total commercial loans |  |  | 2,259 |  |  |  | 1,101 |  |  |  | 4,785 |  |  |  | 8,145 |  |  |  | 1,975,590 |  |  |  | 1,983,735 |
Real estate mortgage |  |  | 1,323 |  |  |  | 3,455 |  |  |  | 6,168 |  |  |  | 10,946 |  |  |  | 926,578 |  |  |  | 937,524 |
Home equity lines |  |  | 911 |  |  |  | 273 |  |  |  | 707 |  |  |  | 1,891 |  |  |  | 145,145 |  |  |  | 147,036 |
Total residential loans |  |  | 2,234 |  |  |  | 3,728 |  |  |  | 6,875 |  |  |  | 12,837 |  |  |  | 1,071,723 |  |  |  | 1,084,560 |
Consumer direct |  |  | 1,013 |  |  |  | 118 |  |  |  | 15 |  |  |  | 1,146 |  |  |  | 157,960 |  |  |  | 159,106 |
Consumer indirect |  |  | 4,550 |  |  |  | 1,029 |  |  |  | 555 |  |  |  | 6,134 |  |  |  | 817,371 |  |  |  | 823,505 |
Total consumer loans |  |  | 5,563 |  |  |  | 1,147 |  |  |  | 570 |  |  |  | 7,280 |  |  |  | 975,331 |  |  |  | 982,611 |
Loans and lease financing |  | $ | 10,056 |  |  | $ | 5,976 |  |  | $ | 12,230 |  |  | $ | 28,262 |  |  | $ | 4,022,644 |  |  | $ | 4,050,906 |
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) June 30 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 19,737 |  |  | $ | 77,799 |  |  | $ | 151,121 |  |  | $ | 27,578 |  |  | $ | 17,388 |  |  | $ | 78,805 |  |  | $ | 5,274 |  |  | $ | 377,702 |
Watch |  |  | 0 |  |  |  | 11,411 |  |  |  | 2,776 |  |  |  | 6,681 |  |  |  | 4,537 |  |  |  | 8,011 |  |  |  | 0 |  |  |  | 33,416 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 4,089 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,954 |  |  |  | 0 |  |  |  | 6,043 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total hotel/motel |  |  | 19,737 |  |  |  | 89,210 |  |  |  | 157,986 |  |  |  | 34,259 |  |  |  | 21,925 |  |  |  | 88,770 |  |  |  | 5,274 |  |  |  | 417,161 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 107,700 |  |  |  | 92,041 |  |  |  | 87,418 |  |  |  | 78,240 |  |  |  | 28,580 |  |  |  | 42,351 |  |  |  | 16,998 |  |  |  | 453,328 |
Watch |  |  | 1,244 |  |  |  | 2,412 |  |  |  | 4,212 |  |  |  | 3,918 |  |  |  | 1,805 |  |  |  | 6,519 |  |  |  | 139 |  |  |  | 20,249 |
OAEM |  |  | 0 |  |  |  | 122 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 89 |  |  |  | 70 |  |  |  | 281 |
Substandard |  |  | 0 |  |  |  | 824 |  |  |  | 524 |  |  |  | 413 |  |  |  | 344 |  |  |  | 4,455 |  |  |  | 0 |  |  |  | 6,560 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 108,944 |  |  |  | 95,399 |  |  |  | 92,154 |  |  |  | 82,571 |  |  |  | 30,729 |  |  |  | 53,414 |  |  |  | 17,207 |  |  |  | 480,418 |
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 106,957 |  |  |  | 130,895 |  |  |  | 130,451 |  |  |  | 126,349 |  |  |  | 70,121 |  |  |  | 167,723 |  |  |  | 32,753 |  |  |  | 765,249 |
Watch |  |  | 3,575 |  |  |  | 1,359 |  |  |  | 3,638 |  |  |  | 8,870 |  |  |  | 2,501 |  |  |  | 7,799 |  |  |  | 483 |  |  |  | 28,225 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 379 |  |  |  | 0 |  |  |  | 1,446 |  |  |  | 0 |  |  |  | 1,840 |
Substandard |  |  | 2,081 |  |  |  | 3,902 |  |  |  | 1,601 |  |  |  | 2,266 |  |  |  | 11,230 |  |  |  | 9,538 |  |  |  | 0 |  |  |  | 30,618 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2 |  |  |  | 0 |  |  |  | 2 |
Total commercial real estate nonresidential |  |  | 112,613 |  |  |  | 136,156 |  |  |  | 135,705 |  |  |  | 137,864 |  |  |  | 83,852 |  |  |  | 186,508 |  |  |  | 33,236 |  |  |  | 825,934 |
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 74,114 |  |  |  | 74,114 |
Watch |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,108 |  |  |  | 2,108 |
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 |  |  |  | 76,222 |  |  |  | 76,222 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 65,651 |  |  |  | 53,144 |  |  |  | 43,262 |  |  |  | 28,313 |  |  |  | 27,086 |  |  |  | 21,461 |  |  |  | 75,364 |  |  |  | 314,281 |
Watch |  |  | 1,151 |  |  |  | 921 |  |  |  | 631 |  |  |  | 387 |  |  |  | 127 |  |  |  | 723 |  |  |  | 14,406 |  |  |  | 18,346 |
OAEM |  |  | 81 |  |  |  | 28 |  |  |  | 0 |  |  |  | 8,749 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30 |  |  |  | 8,888 |
Substandard |  |  | 955 |  |  |  | 4,505 |  |  |  | 2,615 |  |  |  | 483 |  |  |  | 478 |  |  |  | 211 |  |  |  | 1,279 |  |  |  | 10,526 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  |  | 67,838 |  |  |  | 58,598 |  |  |  | 46,508 |  |  |  | 37,932 |  |  |  | 27,691 |  |  |  | 22,395 |  |  |  | 91,079 |  |  |  | 352,041 |
Commercial other current period gross charge-offs |  |  | (813 | ) |  |  | 0 |  |  |  | (20 | ) |  |  | (6 | ) |  |  | (2 | ) |  |  | (5 | ) |  |  | 0 |  |  |  | (846 | )
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 300,045 |  |  |  | 353,879 |  |  |  | 412,252 |  |  |  | 260,480 |  |  |  | 143,175 |  |  |  | 310,340 |  |  |  | 204,503 |  |  |  | 1,984,674 |
Watch |  |  | 5,970 |  |  |  | 16,103 |  |  |  | 11,257 |  |  |  | 19,856 |  |  |  | 8,970 |  |  |  | 23,052 |  |  |  | 17,136 |  |  |  | 102,344 |
OAEM |  |  | 81 |  |  |  | 150 |  |  |  | 15 |  |  |  | 9,128 |  |  |  | 0 |  |  |  | 1,535 |  |  |  | 100 |  |  |  | 11,009 |
Substandard |  |  | 3,036 |  |  |  | 9,231 |  |  |  | 8,829 |  |  |  | 3,162 |  |  |  | 12,052 |  |  |  | 16,158 |  |  |  | 1,279 |  |  |  | 53,747 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2 |  |  |  | 0 |  |  |  | 2 |
Total commercial loans |  | $ | 309,132 |  |  | $ | 379,363 |  |  | $ | 432,353 |  |  | $ | 292,626 |  |  | $ | 164,197 |  |  | $ | 351,087 |  |  | $ | 223,018 |  |  | $ | 2,151,776 |
Total commercial loans current period gross charge-offs |  | $ | (813 | ) |  | $ | 0 |  |  | $ | (20 | ) |  | $ | (6 | ) |  | $ | (2 | ) |  | $ | (5 | ) |  | $ | 0 |  |  | $ | (846 | )
|  | Term Loans Amortized Cost Basis by Origination Year |
(in thousands) December 31 |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Hotel/motel |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 79,651 |  |  | $ | 144,826 |  |  | $ | 28,011 |  |  | $ | 17,664 |  |  | $ | 40,873 |  |  | $ | 42,029 |  |  | $ | 4,042 |  |  | $ | 357,096 |
Watch |  |  | 11,569 |  |  |  | 2,826 |  |  |  | 6,835 |  |  |  | 4,623 |  |  |  | 3,361 |  |  |  | 1,648 |  |  |  | 0 |  |  |  | 30,862 |
OAEM |  |  | 0 |  |  |  | 3,982 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,954 |  |  |  | 0 |  |  |  | 5,936 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,118 |  |  |  | 0 |  |  |  | 1,118 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 753 |  |  |  | 0 |  |  |  | 753 |
Total hotel/motel |  |  | 91,220 |  |  |  | 151,634 |  |  |  | 34,846 |  |  |  | 22,287 |  |  |  | 44,234 |  |  |  | 47,502 |  |  |  | 4,042 |  |  |  | 395,765 |
Commercial real estate residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 109,304 |  |  |  | 89,119 |  |  |  | 98,896 |  |  |  | 30,972 |  |  |  | 11,908 |  |  |  | 36,964 |  |  |  | 14,700 |  |  |  | 391,863 |
Watch |  |  | 2,317 |  |  |  | 2,131 |  |  |  | 473 |  |  |  | 1,395 |  |  |  | 721 |  |  |  | 6,359 |  |  |  | 124 |  |  |  | 13,520 |
OAEM |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 63 |  |  |  | 0 |  |  |  | 63 |
Substandard |  |  | 760 |  |  |  | 854 |  |  |  | 4,532 |  |  |  | 834 |  |  |  | 285 |  |  |  | 5,232 |  |  |  | 0 |  |  |  | 12,497 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial real estate residential |  |  | 112,381 |  |  |  | 92,104 |  |  |  | 103,901 |  |  |  | 33,201 |  |  |  | 12,914 |  |  |  | 48,618 |  |  |  | 14,824 |  |  |  | 417,943 |
Commercial real estate residential current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (28 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (28 | )
Commercial real estate nonresidential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 149,633 |  |  |  | 142,580 |  |  |  | 136,090 |  |  |  | 68,240 |  |  |  | 55,850 |  |  |  | 140,074 |  |  |  | 31,536 |  |  |  | 724,003 |
Watch |  |  | 552 |  |  |  | 3,664 |  |  |  | 6,305 |  |  |  | 2,347 |  |  |  | 1,938 |  |  |  | 6,003 |  |  |  | 354 |  |  |  | 21,163 |
OAEM |  |  | 2,375 |  |  |  | 15 |  |  |  | 0 |  |  |  | 7,255 |  |  |  | 0 |  |  |  | 1,486 |  |  |  | 0 |  |  |  | 11,131 |
Substandard |  |  | 2,520 |  |  |  | 1,598 |  |  |  | 2,538 |  |  |  | 4,472 |  |  |  | 2,000 |  |  |  | 9,199 |  |  |  | 0 |  |  |  | 22,327 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 13 |  |  |  | 0 |  |  |  | 13 |
Total commercial real estate nonresidential |  |  | 155,080 |  |  |  | 147,857 |  |  |  | 144,933 |  |  |  | 82,314 |  |  |  | 59,788 |  |  |  | 156,775 |  |  |  | 31,890 |  |  |  | 778,637 |
Commercial real estate nonresidential current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (7 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (287 | ) |  |  | 0 |  |  |  | (294 | )
Dealer floorplans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 70,308 |  |  |  | 70,308 |
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 |  |  |  | 70,308 |  |  |  | 70,308 |
Commercial other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 73,115 |  |  |  | 47,575 |  |  |  | 40,448 |  |  |  | 30,033 |  |  |  | 4,780 |  |  |  | 22,588 |  |  |  | 81,791 |  |  |  | 300,330 |
Watch |  |  | 1,138 |  |  |  | 1,109 |  |  |  | 569 |  |  |  | 126 |  |  |  | 239 |  |  |  | 635 |  |  |  | 5,877 |  |  |  | 9,693 |
OAEM |  |  | 29 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 30 |  |  |  | 59 |
Substandard |  |  | 4,921 |  |  |  | 3,581 |  |  |  | 381 |  |  |  | 890 |  |  |  | 211 |  |  |  | 403 |  |  |  | 613 |  |  |  | 11,000 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial other |  |  | 79,203 |  |  |  | 52,265 |  |  |  | 41,398 |  |  |  | 31,049 |  |  |  | 5,230 |  |  |  | 23,626 |  |  |  | 88,311 |  |  |  | 321,082 |
Commercial other current period gross charge-offs |  |  | (725 | ) |  |  | (710 | ) |  |  | (302 | ) |  |  | (27 | ) |  |  | (90 | ) |  |  | (46 | ) |  |  | 0 |  |  |  | (1,900 | )
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 411,703 |  |  |  | 424,100 |  |  |  | 303,445 |  |  |  | 146,909 |  |  |  | 113,411 |  |  |  | 241,655 |  |  |  | 202,377 |  |  |  | 1,843,600 |
Watch |  |  | 15,576 |  |  |  | 9,730 |  |  |  | 14,182 |  |  |  | 8,491 |  |  |  | 6,259 |  |  |  | 14,645 |  |  |  | 6,355 |  |  |  | 75,238 |
OAEM |  |  | 2,404 |  |  |  | 3,997 |  |  |  | 0 |  |  |  | 7,255 |  |  |  | 0 |  |  |  | 3,503 |  |  |  | 30 |  |  |  | 17,189 |
Substandard |  |  | 8,201 |  |  |  | 6,033 |  |  |  | 7,451 |  |  |  | 6,196 |  |  |  | 2,496 |  |  |  | 15,952 |  |  |  | 613 |  |  |  | 46,942 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 766 |  |  |  | 0 |  |  |  | 766 |
Total commercial loans |  | $ | 437,884 |  |  | $ | 443,860 |  |  | $ | 325,078 |  |  | $ | 168,851 |  |  | $ | 122,166 |  |  | $ | 276,521 |  |  | $ | 209,375 |  |  | $ | 1,983,735 |
Total commercial loans current period gross charge-offs |  | $ | (725 | ) |  | $ | (710 | ) |  | $ | (337 | ) |  | $ | (27 | ) |  | $ | (90 | ) |  | $ | (333 | ) |  | $ | 0 |  |  | $ | (2,222 | )
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 |
June 30 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 7,596 |  |  | $ | 145,799 |  |  | $ | 153,395 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 488 |  |  |  | 428 |  |  |  | 916 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,084 |  |  |  | 146,227 |  |  |  | 154,311 |
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 79,103 |  |  |  | 205,074 |  |  |  | 150,267 |  |  |  | 152,504 |  |  |  | 112,667 |  |  |  | 268,826 |  |  |  | 0 |  |  |  | 968,441 |
Nonperforming |  |  | 0 |  |  |  | 676 |  |  |  | 649 |  |  |  | 597 |  |  |  | 511 |  |  |  | 7,270 |  |  |  | 0 |  |  |  | 9,703 |
Total mortgage loans |  |  | 79,103 |  |  |  | 205,750 |  |  |  | 150,916 |  |  |  | 153,101 |  |  |  | 113,178 |  |  |  | 276,096 |  |  |  | 0 |  |  |  | 978,144 |
Mortgage loans current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (51 | ) |  |  | 0 |  |  |  | (51 | )
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 79,103 |  |  |  | 205,074 |  |  |  | 150,267 |  |  |  | 152,504 |  |  |  | 112,667 |  |  |  | 276,422 |  |  |  | 145,799 |  |  |  | 1,121,836 |
Nonperforming |  |  | 0 |  |  |  | 676 |  |  |  | 649 |  |  |  | 597 |  |  |  | 511 |  |  |  | 7,758 |  |  |  | 428 |  |  |  | 10,619 |
Total residential loans |  | $ | 79,103 |  |  | $ | 205,750 |  |  | $ | 150,916 |  |  | $ | 153,101 |  |  | $ | 113,178 |  |  | $ | 284,180 |  |  | $ | 146,227 |  |  | $ | 1,132,455 |
Total residential loans current period gross charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (51 | ) |  | $ | 0 |  |  | $ | (51 | )
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 32,437 |  |  | $ | 47,077 |  |  | $ | 27,577 |  |  | $ | 21,495 |  |  | $ | 12,421 |  |  | $ | 15,778 |  |  | $ | 0 |  |  | $ | 156,785 |
Nonperforming |  |  | 0 |  |  |  | 54 |  |  |  | 452 |  |  |  | 27 |  |  |  | 9 |  |  |  | 0 |  |  |  | 0 |  |  |  | 542 |
Total consumer direct loans |  |  | 32,437 |  |  |  | 47,131 |  |  |  | 28,029 |  |  |  | 21,522 |  |  |  | 12,430 |  |  |  | 15,778 |  |  |  | 0 |  |  |  | 157,327 |
Total consumer direct loans current period gross charge-offs |  |  | (3 | ) |  |  | (124 | ) |  |  | (516 | ) |  |  | (33 | ) |  |  | (9 | ) |  |  | (37 | ) |  |  | 0 |  |  |  | (722 | )
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 158,849 |  |  |  | 299,197 |  |  |  | 204,799 |  |  |  | 85,689 |  |  |  | 50,804 |  |  |  | 19,716 |  |  |  | 0 |  |  |  | 819,054 |
Nonperforming |  |  | 6 |  |  |  | 186 |  |  |  | 238 |  |  |  | 132 |  |  |  | 65 |  |  |  | 8 |  |  |  | 0 |  |  |  | 635 |
Total consumer indirect loans |  |  | 158,855 |  |  |  | 299,383 |  |  |  | 205,037 |  |  |  | 85,821 |  |  |  | 50,869 |  |  |  | 19,724 |  |  |  | 0 |  |  |  | 819,689 |
Total consumer indirect loans current period gross charge-offs |  |  | (54 | ) |  |  | (1,255 | ) |  |  | (1,436 | ) |  |  | (829 | ) |  |  | (140 | ) |  |  | (170 | ) |  |  | 0 |  |  |  | (3,884 | )
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 191,286 |  |  |  | 346,274 |  |  |  | 232,376 |  |  |  | 107,184 |  |  |  | 63,225 |  |  |  | 35,494 |  |  |  | 0 |  |  |  | 975,839 |
Nonperforming |  |  | 6 |  |  |  | 240 |  |  |  | 690 |  |  |  | 159 |  |  |  | 74 |  |  |  | 8 |  |  |  | 0 |  |  |  | 1,177 |
Total consumer loans |  | $ | 191,292 |  |  | $ | 346,514 |  |  | $ | 233,066 |  |  | $ | 107,343 |  |  | $ | 63,299 |  |  | $ | 35,502 |  |  | $ | 0 |  |  | $ | 977,016 |
Total consumer loans current period gross charge-offs |  | $ | (57 | ) |  | $ | (1,379 | ) |  | $ | (1,952 | ) |  | $ | (862 | ) |  | $ | (149 | ) |  | $ | (207 | ) |  | $ | 0 |  |  | $ | (4,606 | )
(in thousands) |  | Term Loans Amortized Cost Basis by Origination Year |
December 31 |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Home equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 7,630 |  |  | $ | 138,663 |  |  | $ | 146,293 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 442 |  |  |  | 301 |  |  |  | 743 |
Total home equity lines |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,072 |  |  |  | 138,964 |  |  |  | 147,036 |
Home equity lines current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (23 | ) |  |  | 0 |  |  |  | (23 | )
Mortgage loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 200,442 |  |  |  | 162,407 |  |  |  | 159,857 |  |  |  | 119,772 |  |  |  | 56,601 |  |  |  | 231,147 |  |  |  | 0 |  |  |  | 930,226 |
Nonperforming |  |  | 0 |  |  |  | 200 |  |  |  | 151 |  |  |  | 192 |  |  |  | 533 |  |  |  | 6,222 |  |  |  | 0 |  |  |  | 7,298 |
Total mortgage loans |  |  | 200,442 |  |  |  | 162,607 |  |  |  | 160,008 |  |  |  | 119,964 |  |  |  | 57,134 |  |  |  | 237,369 |  |  |  | 0 |  |  |  | 937,524 |
Mortgage loans current period gross charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (47 | ) |  |  | 0 |  |  |  | (40 | ) |  |  | (53 | ) |  |  | 0 |  |  |  | (140 | )
Residential loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 200,442 |  |  |  | 162,407 |  |  |  | 159,857 |  |  |  | 119,772 |  |  |  | 56,601 |  |  |  | 238,777 |  |  |  | 138,663 |  |  |  | 1,076,519 |
Nonperforming |  |  | 0 |  |  |  | 200 |  |  |  | 151 |  |  |  | 192 |  |  |  | 533 |  |  |  | 6,664 |  |  |  | 301 |  |  |  | 8,041 |
Total residential loans |  | $ | 200,442 |  |  | $ | 162,607 |  |  | $ | 160,008 |  |  | $ | 119,964 |  |  | $ | 57,134 |  |  | $ | 245,441 |  |  | $ | 138,964 |  |  | $ | 1,084,560 |
Total residential loans current period gross charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | (47 | ) |  | $ | 0 |  |  | $ | (40 | ) |  | $ | (76 | ) |  | $ | 0 |  |  | $ | (163 | )
Consumer direct loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 63,686 |  |  | $ | 34,722 |  |  | $ | 26,250 |  |  | $ | 15,560 |  |  | $ | 6,951 |  |  | $ | 11,922 |  |  | $ | 0 |  |  | $ | 159,091 |
Nonperforming |  |  | 0 |  |  |  | 4 |  |  |  | 11 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15 |
Total consumer direct loans |  |  | 63,686 |  |  |  | 34,726 |  |  |  | 26,261 |  |  |  | 15,560 |  |  |  | 6,951 |  |  |  | 11,922 |  |  |  | 0 |  |  |  | 159,106 |
Total consumer direct loans current period gross charge-offs |  |  | (65 | ) |  |  | (263 | ) |  |  | (129 | ) |  |  | (37 | ) |  |  | (27 | ) |  |  | (20 | ) |  |  | 0 |  |  |  | (541 | )
Consumer indirect loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 359,049 |  |  |  | 251,086 |  |  |  | 109,231 |  |  |  | 69,319 |  |  |  | 23,767 |  |  |  | 10,498 |  |  |  | 0 |  |  |  | 822,950 |
Nonperforming |  |  | 133 |  |  |  | 223 |  |  |  | 157 |  |  |  | 11 |  |  |  | 22 |  |  |  | 9 |  |  |  | 0 |  |  |  | 555 |
Total consumer indirect loans |  |  | 359,182 |  |  |  | 251,309 |  |  |  | 109,388 |  |  |  | 69,330 |  |  |  | 23,789 |  |  |  | 10,507 |  |  |  | 0 |  |  |  | 823,505 |
Total consumer indirect loans current period gross charge-offs |  |  | (541 | ) |  |  | (2,320 | ) |  |  | (1,688 | ) |  |  | (492 | ) |  |  | (121 | ) |  |  | (171 | ) |  |  | 0 |  |  |  | (5,333 | )
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 422,735 |  |  |  | 285,808 |  |  |  | 135,481 |  |  |  | 84,879 |  |  |  | 30,718 |  |  |  | 22,420 |  |  |  | 0 |  |  |  | 982,041 |
Nonperforming |  |  | 133 |  |  |  | 227 |  |  |  | 168 |  |  |  | 11 |  |  |  | 22 |  |  |  | 9 |  |  |  | 0 |  |  |  | 570 |
Total consumer loans |  | $ | 422,868 |  |  | $ | 286,035 |  |  | $ | 135,649 |  |  | $ | 84,890 |  |  | $ | 30,740 |  |  | $ | 22,429 |  |  | $ | 0 |  |  | $ | 982,611 |
Total consumer loans current period gross charge-offs |  | $ | (606 | ) |  | $ | (2,583 | ) |  | $ | (1,817 | ) |  | $ | (529 | ) |  | $ | (148 | ) |  | $ | (191 | ) |  | $ | 0 |  |  | $ | (5,874 | )
Collateral Dependent Loans Evaluated Individually by Segment | In accordance with ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans in determining the ACL, 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, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 2 |  |  | $ | 5,654 |  |  | $ | 0 |
Commercial real estate residential |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 10 |  |  |  | 29,454 |  |  |  | 325 |
Commercial other |  |  | 3 |  |  |  | 13,765 |  |  |  | 0 |
Total collateral dependent loans |  |  | 15 |  |  | $ | 48,873 |  |  | $ | 325 |
|  | December 31, 2023 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 3 |  |  | $ | 6,810 |  |  | $ | 0 |
Commercial real estate residential |  |  | 2 |  |  |  | 5,080 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 9 |  |  |  | 21,637 |  |  |  | 250 |
Commercial other |  |  | 2 |  |  |  | 5,658 |  |  |  | 0 |
Total collateral dependent loans |  |  | 16 |  |  | $ | 39,185 |  |  | $ | 250 |
|  | June 30, 2023 |
(in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | Specific Reserve |
Hotel/motel |  |  | 2 |  |  | $ | 8,114 |  |  | $ | 0 |
Commercial real estate residential |  |  | 3 |  |  |  | 6,353 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 6 |  |  |  | 11,704 |  |  |  | 0 |
Commercial other |  |  | 2 |  |  |  | 6,585 |  |  |  | 0 |
Total collateral dependent loans |  |  | 13 |  |  | $ | 32,756 |  |  | $ | 0 |
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. These loans, segregated by class of loans and concession granted, are presented below for the quarter ended June 30, 2024:
|  | Amortized Cost at June 30, 2024 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 14 |  |  |  | 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 |  |  |  | 705 |  |  |  | 0.20 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 719 |  |  |  | 0.03 |
Real estate mortgage |  |  | 548 |  |  |  | 0.06 |  |  |  | 3,451 |  |  |  | 0.35 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 548 |  |  |  | 0.05 |  |  |  | 3,451 |  |  |  | 0.30 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 55 |  |  |  | 0.01 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 55 |  |  |  | 0.01 |
Loans and lease financing |  | $ | 548 |  |  |  | 0.01 | % |  | $ | 4,225 |  |  |  | 0.10 | %
|  | Amortized Cost at June 30, 2024 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 206 |  |  |  | 0.04 |
Commercial real estate nonresidential |  |  | 28 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial loans |  |  | 28 |  |  |  | 0.00 |  |  |  | 206 |  |  |  | 0.01 |
Real estate mortgage |  |  | 58 |  |  |  | 0.01 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 43 |  |  |  | 0.03 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 101 |  |  |  | 0.01 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 12 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 12 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 129 |  |  |  | 0.00 | % |  | $ | 218 |  |  |  | 0.01 | %
Those loans, segregated by class of loans and concession granted, are presented below for the six months ended June 30, 2024:
|  | Amortized Cost at June 30, 2024 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 79 |  |  |  | 0.02 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 954 |  |  |  | 0.27 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,033 |  |  |  | 0.05 |
Real estate mortgage |  |  | 736 |  |  |  | 0.08 |  |  |  | 5,651 |  |  |  | 0.58 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 32 |  |  |  | 0.02 |
Residential loans |  |  | 736 |  |  |  | 0.06 |  |  |  | 5,683 |  |  |  | 0.50 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 37 |  |  |  | 0.02 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 311 |  |  |  | 0.04 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 348 |  |  |  | 0.04 |
Loans and lease financing |  | $ | 736 |  |  |  | 0.02 | % |  | $ | 7,064 |  |  |  | 0.17 | %
|  | Amortized Cost at June 30, 2024 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 1,954 |  |  |  | 0.47 | %
Commercial real estate residential |  |  | 14 |  |  |  | 0.00 |  |  |  | 207 |  |  |  | 0.04 |
Commercial real estate nonresidential |  |  | 28 |  |  |  | 0.00 |  |  |  | 11 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 11 |  |  |  | 0.00 |  |  |  | 775 |  |  |  | 0.22 |
Commercial loans |  |  | 53 |  |  |  | 0.00 |  |  |  | 2,947 |  |  |  | 0.14 |
Real estate mortgage |  |  | 336 |  |  |  | 0.03 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 81 |  |  |  | 0.05 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 417 |  |  |  | 0.04 |  |  |  | 0 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 37 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 37 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 470 |  |  |  | 0.01 | % |  | $ | 2,984 |  |  |  | 0.07 | %
Those loans, segregated by class of loans and concession granted, are presented below for the year ended December 31, 2023:
|  | Amortized Cost at December 31, 2023 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 534 |  |  |  | 0.13 |  |  |  | 1,788 |  |  |  | 0.43 |
Commercial real estate nonresidential |  |  | 4,504 |  |  |  | 0.58 |  |  |  | 5,342 |  |  |  | 0.69 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 6,025 |  |  |  | 1.88 |
Commercial loans |  |  | 5,038 |  |  |  | 0.25 |  |  |  | 13,155 |  |  |  | 0.66 |
Real estate mortgage |  |  | 581 |  |  |  | 0.06 |  |  |  | 5,431 |  |  |  | 0.58 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 246 |  |  |  | 0.17 |
Residential loans |  |  | 581 |  |  |  | 0.05 |  |  |  | 5,677 |  |  |  | 0.52 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 165 |  |  |  | 0.10 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 334 |  |  |  | 0.04 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 499 |  |  |  | 0.05 |
Loans and lease financing |  | $ | 5,619 |  |  |  | 0.14 | % |  | $ | 19,331 |  |  |  | 0.48 | %
|  | Amortized Cost at December 31, 2023 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 1,955 |  |  |  | 0.49 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 218 |  |  |  | 0.05 |
Commercial real estate nonresidential |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 29 |  |  |  | 0.01 |  |  |  | 288 |  |  |  | 0.09 |
Commercial loans |  |  | 29 |  |  |  | 0.00 |  |  |  | 2,461 |  |  |  | 0.01 |
Real estate mortgage |  |  | 1,101 |  |  |  | 0.12 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 125 |  |  |  | 0.09 |  |  |  | 42 |  |  |  | 0.03 |
Residential loans |  |  | 1,226 |  |  |  | 0.11 |  |  |  | 42 |  |  |  | 0.00 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 18 |  |  |  | 0.01 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 18 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 1,255 |  |  |  | 0.03 | % |  | $ | 2,521 |  |  |  | 0.06 | %
Those loans, segregated by class of loans and concession granted, are presented below for the three months ended June 30, 2023:
|  | Amortized Cost at June 30, 2023 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 0 |  |  |  | 0.00 |  |  |  | 44 |  |  |  | 0.01 |
Commercial real estate nonresidential |  |  | 73 |  |  |  | 0.01 |  |  |  | 13 |  |  |  | 0.00 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 522 |  |  |  | 0.16 |
Commercial loans |  |  | 73 |  |  |  | 0.00 |  |  |  | 579 |  |  |  | 0.03 |
Real estate mortgage |  |  | 0 |  |  |  | 0.00 |  |  |  | 877 |  |  |  | 0.10 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Residential loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 877 |  |  |  | 0.09 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 54 |  |  |  | 0.03 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 95 |  |  |  | 0.01 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 149 |  |  |  | 0.02 |
Loans and lease financing |  | $ | 73 |  |  |  | 0.00 | % |  | $ | 1,605 |  |  |  | 0.04 | %
|  | Amortized Cost at June 30, 2023 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % 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 |  |  |  | 300 |  |  |  | 0.09 |
Commercial loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 300 |  |  |  | 0.02 |
Real estate mortgage |  |  | 209 |  |  |  | 0.02 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 43 |  |  |  | 0.03 |  |  |  | 116 |  |  |  | 0.09 |
Residential loans |  |  | 252 |  |  |  | 0.02 |  |  |  | 116 |  |  |  | 0.01 |
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 |  | $ | 252 |  |  |  | 0.01 | % |  | $ | 416 |  |  |  | 0.01 | %
Those loans, segregated by class of loans and concession granted, are presented below for the six months ended June 30, 2023:
|  | Amortized Cost at June 30, 2023 |
(in thousands) |  | Interest Rate Reduction |  |  | % of total |  |  | Term Extension |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 311 |  |  |  | 0.08 |  |  |  | 1,383 |  |  |  | 0.35 |
Commercial real estate nonresidential |  |  | 4,573 |  |  |  | 0.58 |  |  |  | 4,800 |  |  |  | 0.61 |
Dealer floorplans |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Commercial other |  |  | 0 |  |  |  | 0.00 |  |  |  | 1,474 |  |  |  | 0.46 |
Commercial loans |  |  | 4,884 |  |  |  | 0.25 |  |  |  | 7,657 |  |  |  | 0.39 |
Real estate mortgage |  |  | 58 |  |  |  | 0.01 |  |  |  | 3,317 |  |  |  | 0.38 |
Home equity lines |  |  | 0 |  |  |  | 0.00 |  |  |  | 54 |  |  |  | 0.04 |
Residential loans |  |  | 58 |  |  |  | 0.01 |  |  |  | 3,371 |  |  |  | 0.33 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 224 |  |  |  | 0.14 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 450 |  |  |  | 0.06 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 674 |  |  |  | 0.07 |
Loans and lease financing |  | $ | 4,942 |  |  |  | 0.13 | % |  | $ | 11,702 |  |  |  | 0.30 | %
|  | Amortized Cost at June 30, 2023 |
(in thousands) |  | Combination – Term Extension and Interest Rate Reduction |  |  | % of total |  |  | Payment Change |  |  | % of total |
Hotel/motel |  | $ | 0 |  |  |  | 0.00 | % |  | $ | 0 |  |  |  | 0.00 | %
Commercial real estate residential |  |  | 88 |  |  |  | 0.02 |  |  |  | 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 |  |  |  | 300 |  |  |  | 0.09 |
Commercial loans |  |  | 88 |  |  |  | 0.00 |  |  |  | 300 |  |  |  | 0.02 |
Real estate mortgage |  |  | 427 |  |  |  | 0.05 |  |  |  | 0 |  |  |  | 0.00 |
Home equity lines |  |  | 77 |  |  |  | 0.06 |  |  |  | 116 |  |  |  | 0.09 |
Residential loans |  |  | 504 |  |  |  | 0.05 |  |  |  | 116 |  |  |  | 0.01 |
Consumer direct |  |  | 0 |  |  |  | 0.00 |  |  |  | 20 |  |  |  | 0.01 |
Consumer indirect |  |  | 0 |  |  |  | 0.00 |  |  |  | 0 |  |  |  | 0.00 |
Consumer loans |  |  | 0 |  |  |  | 0.00 |  |  |  | 20 |  |  |  | 0.00 |
Loans and lease financing |  | $ | 592 |  |  |  | 0.02 | % |  | $ | 436 |  |  |  | 0.01 | %
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty | The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended June 30, 2024:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  | Added a weighted-average 0.3 years to life of the loans
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.1 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 7.5% to 5.0% |  | Added a weighted-average 0.4 years to life of the loans
Home equity lines |  |  |  |
Consumer direct |  |  |  |
Consumer indirect |  |  |  | Added a weighted-average 1.1 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 |  |  |  | Provided payment changes that will be added to the end of the original loan term.
Commercial real estate nonresidential |  | Increased weighted-average contractual interest rate from 6.0% to 8.5% and increased the weighted-average life by 10.3 years |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  |
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 8.0% to 4.3% and increased the weighted-average life by 13.2 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.3% to 8.7% and increased the weighted-average life by 3.3 years |  |
Consumer direct |  |  |  |
Consumer indirect |  |  |  | Provided payment changes that will be added to the end of the original loan term.
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the six months ended June 30, 2024:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  | Added a weighted-average 0.3 years to life of the loans
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.3 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 8.1% to 5.0% |  | Added a weighted-average 0.4 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 0.5 years to life of the loans
Consumer direct |  |  |  | Added a weighted-average 0.1 years to 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 |  |  |  | Provided payment changes that will be added to the end of the original loan term.
Commercial real estate residential |  | Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 4.0 years |  | Provided payment changes that will be added to the end of the original loan term.
Commercial real estate nonresidential |  | Increased weighted-average contractual interest rate from 6.0% to 8.5% and increased the weighted-average life by 10.3 years |  | Provided payment changes that will be added to the end of the original loan term.
Dealer floorplans |  |  |  |
Commercial other |  | Reduced weighted-average contractual interest rate from 9.5% to 8.5% and increased the weighted-average life by 2.4 years |  | 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 5.7% to 5.1% and increased the weighted-average life by 6.4 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.6% to 8.6% and increased the weighted-average life by 10.2 years |  |
Consumer direct |  |  |  |
Consumer indirect |  |  |  | Provided payment changes that will be added to the end of the original loan term
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 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 0.5 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 3.0 years to life of the loans
Real estate mortgage |  | Reduced weighted-average contractual interest rate from 7.0% to 4.4% |  | Added a weighted-average 2.8 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 6.1 years to life of the loans
Consumer direct |  |  |  | Removed a weighted-average 0.8 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 |  |  |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate residential |  |  |  | Provided payment changes that will be added to the end of the original loan term
Commercial real estate nonresidential |  |  |  |
Dealer floorplans |  |  |  |
Commercial other |  | Reduced weighted-average contractual interest rate from 12.8% to 11.3% and increased the weighted-average life by 2.9 years |  | 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 5.8% and increased the weighted-average life by 12.2 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.4% to 8.1% and increased the weighted-average life by 9.3 years |  | Provided payment changes that will be added to the end of the original loan term
Consumer direct |  |  |  | Provided payment changes that will be added to the end of the original loan term
Consumer indirect |  |  |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended June 30, 2023:
Loan Type |  | Interest Rate Reduction Financial Impact |  | Term Extension Financial Impact
Hotel/motel |  |  |  |
Commercial real estate residential |  |  |  | Added a weighted-average 11.7 years to life of the loans
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 10.8% to 8.5% |  |
Dealer floorplans |  |  |  |
Commercial other |  |  |  | Added a weighted-average 0.8 years to life of the loans
Real estate mortgage |  |  |  | Added a weighted-average 4.0 years to life of the loans
Home equity lines |  |  |  |
Consumer direct |  |  |  | Added a weighted-average 0.2 years to life of the loans
Consumer indirect |  |  |  | Added a weighted-average 0.5 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 |  |  |  |
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 6.8% to 6.2% and increased the weighted-average life by 9.7 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 10.3% to 8.3% and increased the weighted-average life by 14.3 years |  | Provided payment changes that will be added to the end of the original loan term
Consumer direct |  |  |  |
Consumer indirect |  |  |  |
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the six months ended June 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 9.6% to 8.0% |  | The weighted-average term was not increased with the changes to this portfolio
Commercial real estate nonresidential |  | Reduced weighted-average contractual interest rate from 9.5% to 7.5% |  | The weighted-average term was not increased with the changes to this portfolio
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 2.8 years to life of the loans
Home equity lines |  |  |  | Added a weighted-average 6.8 years to life of the loans
Consumer direct |  |  |  | Removed a weighted-average 0.6 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 10.4% to 7.2% and increased the weighted-average life by 5.9 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 7.1% to 6.1% and increased the weighted-average life by 11.3 years |  |
Home equity lines |  | Reduced weighted-average contractual interest rate from 9.1% to 8.0% and increased the weighted-average life by 10.2 years |  | Provided payment changes that will be added to the end of the original loan term
Consumer direct |  |  |  | Provided payment changes that will be added to the end of the original loan term
Consumer indirect |  |  |  |
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 for the past 12 months as of June 30, 2024.
|  | Past Due Status (Amortized Cost Basis) |
(in thousands) |  | Current |  |  |  | 30-89 Days |  |  |  | 90+ Days |  |  | Nonaccrual |
Hotel/motel |  | $ | 1,954 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate residential |  |  | 713 |  |  |  | 0 |  |  |  | 237 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 1,537 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 5,024 |  |  |  | 406 |  |  |  | 81 |  |  |  | 80 |
Real estate mortgage |  |  | 7,611 |  |  |  | 721 |  |  |  | 982 |  |  |  | 514 |
Home equity lines |  |  | 386 |  |  |  | 19 |  |  |  | 0 |  |  |  | 0 |
Consumer direct |  |  | 36 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consumer indirect |  |  | 331 |  |  |  | 17 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 17,592 |  |  | $ | 1,163 |  |  | $ | 1,300 |  |  | $ | 594 |
The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of June 30, 2023:
|  | Past Due Status (Amortized Cost Basis) |
(in thousands) |  | Current |  |  | 30-89 Days |  |  | 90+ Days |  |  | Nonaccrual |
Hotel/motel |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Commercial real estate residential |  |  | 1,741 |  |  |  | 40 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate nonresidential |  |  | 9,373 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Dealer floorplans |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial other |  |  | 1,145 |  |  |  | 292 |  |  |  | 0 |  |  |  | 337 |
Real estate mortgage |  |  | 3,374 |  |  |  | 125 |  |  |  | 118 |  |  |  | 185 |
Home equity lines |  |  | 168 |  |  |  | 59 |  |  |  | 0 |  |  |  | 22 |
Consumer direct |  |  | 239 |  |  |  | 5 |  |  |  | 0 |  |  |  | 0 |
Consumer indirect |  |  | 371 |  |  |  | 78 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 16,411 |  |  | $ | 599 |  |  | $ | 118 |  |  | $ | 544 |
Loans Modified as TDRs That Subsequently Defaulted | T he allowance for credit 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. During the quarter ended June 30, 2024, there were 5 loans to borrowers experiencing financial difficulty that subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. Presented below, segregated by class of loans, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within twelve months of the loan modification.
|  | Three Months Ended June 30, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |
Commercial other |  |  | 1 |  |  | $ | 6 |
Real estate mortgage |  |  | 4 |  |  |  | 1,118 |
Total loans experiencing financial difficulty |  |  | 5 |  |  | $ | 1,124 |
|  | Six Months Ended June 30, 2024 |
(in thousands) |  | Number of Loans |  |  | Recorded Balance |
Commercial: |  |  |  |  |  |
Commercial other |  |  | 5 |  |  | $ | 428 |
Commercial real estate residential |  |  | 2 |  |  |  | 412 |
Real estate mortgage |  |  | 7 |  |  |  | 1,315 |
Total loans experiencing financial difficulty |  |  | 14 |  |  | $ | 2,155 |

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