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Loans

9 Months Ended

Sep. 30, 2025

Note 4 – 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:

September 30, 2025 (in thousands)	Gross Loans		Unearned Fees/Costs			Unearned Premiums		Net Loans
Hotel/motel	$	483,833	$	0		$	0	$	483,833
Commercial real estate residential		573,270		0			0		573,270
Commercial real estate nonresidential		925,672		(3,990	)		0		921,682
Dealer floorplans		73,842		0			0		73,842
Commercial other		370,877		(7	)		1,413		372,283
Commercial loans		2,427,494		(3,997	)		1,413		2,424,910

Real estate mortgage		1,152,875		4,665			0		1,157,540
Home equity lines		184,189		2			0		184,191
Residential loans		1,337,064		4,667			0		1,341,731

Consumer direct		149,719		0			0		149,719
Consumer indirect		843,950		537			33,068		877,555
Consumer loans		993,669		537			33,068		1,027,274

Loans and lease financing	$	4,758,227	$	1,207		$	34,481	$	4,793,915

December 31, 2024 (in thousands)	Gross Loans		Unearned Fees/Costs			Unearned Premiums		Net Loans
Hotel/motel	$	458,832	$	0		$	0	$	458,832
Commercial real estate residential		508,310		0			0		508,310
Commercial real estate nonresidential		868,993		(3,962	)		0		865,031
Dealer floorplans		84,956		0			0		84,956
Commercial other		355,568		(18	)		0		355,550
Commercial loans		2,276,659		(3,980	)		0		2,272,679

Real estate mortgage		1,039,777		3,624			0		1,043,401
Home equity lines		167,425		0			0		167,425
Residential loans		1,207,202		3,624			0		1,210,826

Consumer direct		152,843		0			0		152,843
Consumer indirect		817,893		357			32,039		850,289
Consumer loans		970,736		357			32,039		1,003,132

Loans and lease financing	$	4,454,597	$	1		$	32,039	$	4,486,637

CTBI has segregated and evaluates our loan portfolio through nine portfolio segments with similar risk characteristics. CTBI serves customers in small and mid-sized communities in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Therefore, CTBI’s exposure to credit risk is significantly affected by changes in these communities.

Hotel/motel loans are a significant concentration for CTBI, representing approximately 10.1% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. Additionally, any hotel/motel construction loans would be included in this segment as CTBI’s construction loans are primarily completed as one loan going from construction to permanent financing. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral.

Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral.

Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. These loans are originated based on the borrower’s ability to service the debt and secondarily based on the fair value of the underlying collateral. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing.

Dealer floorplans consist of loans to dealerships to finance inventory and are collateralized under a blanket security agreement whereby all vehicle inventory is collateral against the outstanding loan without specific liens on individual units. Advances are made for the dealer cost of individual vehicles in inventory, and the loan is repaid from the proceeds from the sale of the financed vehicle. This risk is mitigated by the use of monthly inventory audits and follow-up is required on any out of compliance items identified. These audits are subject to increasing frequency when fact patterns suggest more scrutiny is required. Additional collateral or other credit enhancements (for example, personal guarantees from dealership owners) are typically obtained to further mitigate credit risk.

Commercial other loans consist of agricultural loans, receivable financing, loans to financial institutions, loans for purchasing or carrying securities, and other commercial purpose loans. Commercial loans are underwritten based on the borrower’s ability to service debt from the business’s underlying cash flows. As a general practice, we obtain collateral such as equipment, or other assets, although such loans may be uncollateralized but guaranteed.

Residential real estate loans are a mixture of fixed rate and adjustable rate first and second lien residential mortgage loans and also include real estate construction loans which are typically for owner-occupied properties. The terms of the real estate construction loans are generally short-term with permanent financing upon completion. As a policy, CTBI holds adjustable rate loans and sells the majority of our fixed rate first lien mortgage loans into the secondary market with those loans classified as held for sale and not included in loan balances. Changes in interest rates or market conditions may impact a borrower’s ability to meet contractual principal and interest payments. Residential real estate loans are secured by real property.

Home equity lines are primarily revolving adjustable rate credit lines secured by real property.

Consumer direct loans are a mixture of fixed rate and adjustable rate products comprised of unsecured loans, consumer revolving credit lines, deposit secured loans, and all other consumer purpose loans.

Indirect loans are primarily fixed rate consumer loans secured by automobiles, trucks, vans, and recreational vehicles originated at the selling dealership underwritten and purchased by CTBI’s indirect lending department. Both new and used products are financed. Only dealers who have executed dealer agreements with CTBI participate in the indirect lending program.

Loans identified to be sold into the secondary market are classified as held for sale and are not included in the loans balance above. Loans held for sale are recorded at lower of cost or fair value and were $0.5 million at September 30, 2025 and $0.2 million at December 31, 2024. Accrued interest receivable for loan balances was $20.5 million at September 30, 2025 and $18.7 million at December 31, 2024.

Allowance for Credit Losses

The following tables present the balance in the ACL for loans for the three and nine months ended September 30, 2025 and September 30, 2024.

	Three Months Ended September 30, 2025
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	5,604	$	20		$	0		$	0	$	5,624
Commercial real estate residential		6,480		60			(65	)		5		6,480
Commercial real estate nonresidential		11,457		1,905			(1,000	)		3		12,365
Dealer floorplans		507		107			0			0		614
Commercial other		3,711		(98	)		(191	)		79		3,501
Real estate mortgage		12,953		726			(162	)		8		13,525
Home equity		1,604		17			0			2		1,623
Consumer direct		2,131		115			(313	)		119		2,052
Consumer indirect		13,378		1,206			(2,293	)		1,060		13,351
Total ACL	$	57,825	$	4,058		$	(4,024	)	$	1,276	$	59,135

	Nine Months Ended September 30, 2025
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	5,208	$	416		$	0		$	0	$	5,624
Commercial real estate residential		5,467		1,122			(124	)		15		6,480
Commercial real estate nonresidential		10,307		3,049			(1,002	)		11		12,365
Dealer floorplans		682		(68	)		0			0		614
Commercial other		3,832		550			(1,146	)		265		3,501
Real estate mortgage		12,504		1,240			(242	)		23		13,525
Home equity		1,499		116			(7	)		15		1,623
Consumer direct		2,221		312			(780	)		299		2,052
Consumer indirect		13,248		3,106			(5,973	)		2,970		13,351
Total ACL	$	54,968	$	9,843		$	(9,274	)	$	3,598	$	59,135

	Three Months Ended September 30, 2024
(in thousands)	Beginning Balance		Provision Charged to Expense		Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	4,447	$	581	$	0		$	0	$	5,028
Commercial real estate residential		4,349		139		0			5		4,493
Commercial real estate nonresidential		8,706		388		0			6		9,100
Dealer floorplans		561		78		0			0		639
Commercial other		3,385		53		(278	)		228		3,388
Real estate mortgage		11,840		651		(37	)		6		12,460
Home equity		1,318		63		(40	)		5		1,346
Consumer direct		3,604		65		(249	)		43		3,463
Consumer indirect		13,938		718		(2,132	)		919		13,443
Total ACL	$	52,148	$	2,736	$	(2,736	)	$	1,212	$	53,360

	Nine Months Ended September 30, 2024
(in thousands)	Beginning Balance		Provision Charged to Expense			Losses Charged Off			Recoveries		Ending Balance
ACL
Hotel/motel	$	4,592	$	436		$	0		$	0	$	5,028
Commercial real estate residential		4,285		189			0			19		4,493
Commercial real estate nonresidential		7,560		1,481			0			59		9,100
Dealer floorplans		659		(20	)		0			0		639
Commercial other		3,760		316			(1,124	)		436		3,388
Real estate mortgage		10,197		2,327			(88	)		24		12,460
Home equity		1,367		6			(40	)		13		1,346
Consumer direct		3,261		999			(971	)		174		3,463
Consumer indirect		13,862		2,630			(6,016	)		2,967		13,443
Total ACL	$	49,543	$	8,364		$	(8,239	)	$	3,692	$	53,360

Nonaccrual loans and loans 90 days past due and still accruing, segregated by loan segment, as of September 30, 2025 and December 31, 2024 were as follows:

	September 30, 2025
(in thousands)	Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		90+ and Still Accruing		Total Nonperforming Loans

Commercial real estate residential	$	0	$	1,026	$	2,276	$	3,302
Commercial real estate nonresidential		0		10,593		739		11,332
Commercial other		37		714		508		1,259
Total commercial loans		37		12,333		3,523		15,893

Real estate mortgage		0		2,999		4,416		7,415
Home equity lines		0		278		451		729
Total residential loans		0		3,277		4,867		8,144

Consumer direct		0		0		35		35
Consumer indirect		0		0		615		615
Total consumer loans		0		0		650		650

Loans and lease financing	$	37	$	15,610	$	9,040	$	24,687

	December 31, 2024
(in thousands)	Nonaccrual Loans with No ACL		Nonaccrual Loans with ACL		90+ and Still Accruing		Total Nonperforming Loans

Commercial real estate residential	$	0	$	1,248	$	369	$	1,617
Commercial real estate nonresidential		8,000		1,641		3,513		13,154
Commercial other		246		1,106		64		1,416
Total commercial loans		8,246		3,995		3,946		16,187

Real estate mortgage		0		3,748		5,072		8,820
Home equity lines		0		204		444		648
Total residential loans		0		3,952		5,516		9,468

Consumer direct		0		176		93		269
Consumer indirect		0		0		762		762
Total consumer loans		0		176		855		1,031

Loans and lease financing	$	8,246	$	8,123	$	10,317	$	26,686

Interest income recognized for the nine months ended September 30, 2025 on nonaccrual loans totaled $26.6 thousand and $189.4 thousand for the year ended December 31, 2024.

The following tables present CTBI’s loan portfolio aging analysis, segregated by loan segment, as of September 30, 2025 and December 31, 2024 (includes loans 90 days past due and still accruing as well):

	September 30, 2025
(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans
Hotel/motel	$	116	$	0	$	0	$	116	$	483,717	$	483,833
Commercial real estate residential		169		63		2,700		2,932		570,338		573,270
Commercial real estate nonresidential		2,563		85		11,085		13,733		907,949		921,682
Dealer floorplans		0		0		0		0		73,842		73,842
Commercial other		1,758		114		983		2,855		369,428		372,283
Total commercial loans		4,606		262		14,768		19,636		2,405,274		2,424,910

Real estate mortgage		1,092		4,773		6,404		12,269		1,145,271		1,157,540
Home equity lines		1,770		648		508		2,926		181,265		184,191
Total residential loans		2,862		5,421		6,912		15,195		1,326,536		1,341,731

Consumer direct		943		142		35		1,120		148,599		149,719
Consumer indirect		3,826		1,111		615		5,552		872,003		877,555
Total consumer loans		4,769		1,253		650		6,672		1,020,602		1,027,274

Loans and lease financing	$	12,237	$	6,936	$	22,330	$	41,503	$	4,752,412	$	4,793,915

	December 31, 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	$	458,832	$	458,832
Commercial real estate residential		575		444		828		1,847		506,463		508,310
Commercial real estate nonresidential		1,349		118		12,890		14,357		850,674		865,031
Dealer floorplans		0		0		0		0		84,956		84,956
Commercial other		1,033		595		1,018		2,646		352,904		355,550
Total commercial loans		2,957		1,157		14,736		18,850		2,253,829		2,272,679

Real estate mortgage		654		3,304		7,998		11,956		1,031,445		1,043,401
Home equity lines		1,919		348		613		2,880		164,545		167,425
Total residential loans		2,573		3,652		8,611		14,836		1,195,990		1,210,826

Consumer direct		876		107		268		1,251		151,592		152,843
Consumer indirect		4,872		1,096		762		6,730		843,559		850,289
Total consumer loans		5,748		1,203		1,030		7,981		995,151		1,003,132

Loans and lease financing	$	11,278	$	6,012	$	24,377	$	41,667	$	4,444,970	$	4,486,637

Credit Quality Indicators

CTBI categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. CTBI also considers the fair value of the underlying collateral and the strength and willingness of the guarantor(s). CTBI analyzes commercial loans individually by classifying the loans as to credit risk. Loans classified as loss, doubtful, substandard, or special mention are reviewed quarterly by CTBI for further deterioration or improvement to determine if appropriately classified and valued if deemed impaired. All other commercial loan reviews are completed every 12 to 18 months. In addition, during the renewal process of any loan, as well as if a loan becomes past due or if other information becomes available, CTBI will evaluate the loan grade. CTBI uses the following definitions for risk ratings:

➢

Pass grades include investment grade, low risk, moderate risk, and acceptable risk loans. The loans range from loans that have no chance of resulting in a loss to loans that have a limited chance of resulting in a loss. Customers in this grade have excellent to fair credit ratings. The cash flows are adequate to meet required debt repayments.

➢

Watch graded loans are loans that warrant extra management attention but are not currently criticized. Loans on the watch list may be potential troubled credits or may warrant “watch” status for a reason not directly related to the asset quality of the credit. The watch grade is a management tool to identify credits which may be candidates for future classification or may temporarily warrant extra management monitoring.

➢

Other assets especially mentioned (OAEM) reflects loans that are currently protected but are potentially weak. These loans constitute an undue and unwarranted credit risk but not to the point of justifying a classification of substandard. The credit risk may be relatively minor yet constitute an unwarranted risk in light of circumstances surrounding a specific asset. Loans in this grade display potential weaknesses which may, if unchecked or uncorrected, inadequately protect CTBI’s credit position at some future date. The loans may be adversely affected by economic or market conditions.

➢

Substandard grading indicates that the loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged. These loans have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt with the distinct possibility that CTBI will sustain some loss if the deficiencies are not corrected.

➢

Doubtful graded loans have the weaknesses inherent in the substandard grading with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The probability of loss is extremely high, but because of certain important and reasonably specific pending factors which may work to CTBI’s advantage or strengthen the asset(s), its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans.

The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination:

Term Loans Amortized Cost Basis by Origination Year As of September 30, 2025
(in thousands)	2025			2024			2023			2022			2021			Prior			Revolving Loans		Total
Hotel/motel
Risk rating:
Pass	$	47,354		$	59,134		$	87,543		$	133,316		$	26,458		$	88,057		$	5,619	$	447,481
Watch		0			0			2,023			12,000			6,441			11,164			0		31,628
OAEM		0			0			0			0			0			0			0		0
Substandard		0			834			0			3,890			0			0			0		4,724
Doubtful		0			0			0			0			0			0			0		0
Total hotel/motel		47,354			59,968			89,566			149,206			32,899			99,221			5,619		483,833

Hotel/motel year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Commercial real estate residential
Risk rating:
Pass		148,046			105,457			90,426			71,601			53,699			48,050			23,271		540,550
Watch		8,780			942			3,281			1,375			3,586			5,577			221		23,762
OAEM		0			0			193			0			0			53			0		246
Substandard		2,061			510			357			505			1,837			3,393			49		8,712
Doubtful		0			0			0			0			0			0			0		0
Total commercial real estate residential		158,887			106,909			94,257			73,481			59,122			57,073			23,541		573,270

Commercial real estate residential year-to-date gross charge-offs		0			(18	)		(106	)		0			0			0			0		(124	)

Commercial real estate nonresidential
Risk rating:
Pass		143,099			164,868			107,456			109,097			102,079			175,799			38,952		841,350
Watch		1,561			6,740			4,242			7,192			17,437			11,933			835		49,940
OAEM		0			100			0			0			0			17			0		117
Substandard		3,576			1,115			2,130			2,072			2,386			18,995			0		30,274
Doubtful		0			0			0			0			0			1			0		1
Total commercial real estate nonresidential		148,236			172,823			113,828			118,361			121,902			206,745			39,787		921,682

Commercial real estate nonresidential year-to-date gross charge-offs		0			(1,000	)		0			0			0			(2	)		0		(1,002	)

Dealer floorplans
Risk rating:
Pass		0			0			0			0			0			0			64,610		64,610
Watch		0			0			0			0			0			0			8,953		8,953
OAEM		0			0			0			0			0			0			0		0
Substandard		0			0			0			0			0			0			279		279
Doubtful		0			0			0			0			0			0			0		0
Total dealer floorplans		0			0			0			0			0			0			73,842		73,842

Dealer floorplans year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Commercial other
Risk rating:
Pass		76,310			42,772			35,248			30,517			22,604			40,506			71,733		319,690
Watch		1,087			1,067			797			818			164			489			20,078		24,500
OAEM		0			0			85			0			8,038			0			245		8,368
Substandard		13,517			1,189			3,270			357			169			426			797		19,725
Doubtful		0			0			0			0			0			0			0		0
Total commercial other		90,914			45,028			39,400			31,692			30,975			41,421			92,853		372,283

Commercial other year-to-date gross charge-offs		(559	)		(105	)		(260	)		(6	)		(213	)		(3	)		0		(1,146	)

Commercial loans
Risk rating:
Pass		414,809			372,231			320,673			344,531			204,840			352,412			204,185		2,213,681
Watch		11,428			8,749			10,343			21,385			27,628			29,163			30,087		138,783
OAEM		0			100			278			0			8,038			70			245		8,731
Substandard		19,154			3,648			5,757			6,824			4,392			22,814			1,125		63,714
Doubtful		0			0			0			0			0			1			0		1
Total commercial loans	$	445,391		$	384,728		$	337,051		$	372,740		$	244,898		$	404,460		$	235,642	$	2,424,910

Total commercial loans year-to-date gross charge-offs	$	(559	)	$	(1,123	)	$	(366	)	$	(6	)	$	(213	)	$	(5	)	$	0	$	(2,272	)

Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024
(in thousands)	2024			2023			2022			2021			2020			Prior			Revolving Loans		Total
Hotel/motel
Risk rating:
Pass	$	72,924		$	88,016		$	134,663		$	27,145		$	21,609		$	70,311		$	5,419	$	420,087
Watch		0			2,062			10,822			6,570			0			13,358			0		32,812
OAEM		0			0			0			0			0			0			0		0
Substandard		1,954			0			3,979			0			0			0			0		5,933
Doubtful		0			0			0			0			0			0			0		0
Total hotel/motel		74,878			90,078			149,464			33,715			21,609			83,669			5,419		458,832

Hotel/motel year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Commercial real estate residential
Risk rating:
Pass		162,855			94,758			78,106			60,482			24,603			37,689			21,267		479,760
Watch		5,381			3,009			1,692			3,739			1,523			5,261			58		20,663
OAEM		31			0			0			0			0			58			0		89
Substandard		1,470			609			792			531			420			3,928			48		7,798
Doubtful		0			0			0			0			0			0			0		0
Total commercial real estate residential		169,737			98,376			80,590			64,752			26,546			46,936			21,373		508,310

Commercial real estate residential year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Commercial real estate nonresidential
Risk rating:
Pass		180,139			121,801			124,200			120,623			62,674			155,561			38,270		803,268
Watch		4,574			2,004			4,004			8,683			3,425			6,970			624		30,284
OAEM		0			7			12			0			0			45			0		64
Substandard		4,873			1,527			357			2,700			11,179			10,778			0		31,414
Doubtful		0			0			0			0			0			1			0		1
Total commercial real estate nonresidential		189,586			125,339			128,573			132,006			77,278			173,355			38,894		865,031

Commercial real estate nonresidential year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Dealer floorplans
Risk rating:
Pass		0			0			0			0			0			0			82,639		82,639
Watch		0			0			0			0			0			0			1,861		1,861
OAEM		0			0			0			0			0			0			0		0
Substandard		0			0			0			0			0			456			0		456
Doubtful		0			0			0			0			0			0			0		0
Total dealer floorplans		0			0			0			0			0			456			84,500		84,956

Dealer floorplans year-to-date gross charge-offs		0			0			0			0			0			0			0		0

Commercial other
Risk rating:
Pass		83,742			43,935			38,912			25,806			25,187			19,520			79,851		316,953
Watch		1,823			877			671			295			111			533			14,739		19,049
OAEM		27			0			0			8,469			0			0			30		8,526
Substandard		2,301			4,279			2,203			299			447			162			1,331		11,022
Doubtful		0			0			0			0			0			0			0		0
Total commercial other		87,893			49,091			41,786			34,869			25,745			20,215			95,951		355,550

Commercial other year-to-date gross charge-offs		(1,148	)		(134	)		(142	)		(45	)		(2	)		(5	)		0		(1,476	)

Commercial loans
Risk rating:
Pass		499,660			348,510			375,881			234,056			134,073			283,081			227,446		2,102,707
Watch		11,778			7,952			17,189			19,287			5,059			26,122			17,282		104,669
OAEM		58			7			12			8,469			0			103			30		8,679
Substandard		10,598			6,415			7,331			3,530			12,046			15,324			1,379		56,623
Doubtful		0			0			0			0			0			1			0		1
Total commercial loans	$	522,094		$	362,884		$	400,413		$	265,342		$	151,178		$	324,631		$	246,137	$	2,272,679

Total commercial loans year-to-date gross charge-offs	$	(1,148	)	$	(134	)	$	(142	)	$	(45	)	$	(2	)	$	(5	)	$	0	$	(1,476	)

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 loan segment:

Term Loans Amortized Cost Basis by Origination Year As of September 30, 2025
(in thousands)	2025			2024			2023			2022			2021			Prior			Revolving Loans		Total
Home equity lines
Performing	$	0		$	0		$	0		$	0		$	0		$	5,885		$	177,577	$	183,462
Nonperforming		0			0			0			0			0			207			522		729
Total home equity lines		0			0			0			0			0			6,092			178,099		184,191

Home equity year-to-date gross charge-offs		0			0			0			0			0			(7	)		0		(7	)

Mortgage loans
Performing		201,267			190,959			175,386			132,403			136,866			313,244			0		1,150,125
Nonperforming		536			1,036			827			1,319			550			3,147			0		7,415
Total mortgage loans		201,803			191,995			176,213			133,722			137,416			316,391			0		1,157,540

Mortgage loans year-to-date gross charge-offs		0			0			0			(37	)		(16	)		(189	)		0		(242	)

Residential loans
Performing		201,267			190,959			175,386			132,403			136,866			319,129		$	177,577		1,333,587
Nonperforming		536			1,036			827			1,319			550			3,354			522		8,144
Total residential loans		201,803			191,995			176,213			133,722			137,416		$	322,483			178,099	$	1,341,731

Total residential loans year-to-date gross charge-offs	$	0		$	0		$	0		$	(37	)	$	(16	)	$	(196	)	$	0	$	(249	)

Consumer direct loans
Performing	$	46,323		$	33,967		$	24,707		$	14,173		$	12,904		$	17,610		$	0	$	149,684
Nonperforming		19			0			16			0			0			0			0		35
Total consumer direct loans		46,342			33,967			24,723			14,173			12,904			17,610			0		149,719

Consumer direct loans year-to-date gross charge-offs		(14	)		(242	)		(220	)		(197	)		(50	)		(57	)		0		(780	)

Consumer indirect loans
Performing		297,413			244,788			171,566			105,750			38,026			19,397			0		876,940
Nonperforming		31			292			165			100			21			6			0		615
Total consumer indirect loans		297,444			245,080			171,731			105,850			38,047			19,403			0		877,555

Consumer indirect loans year-to-date gross charge-offs		(69	)		(975	)		(2,732	)		(1,538	)		(423	)		(236	)		0		(5,973	)

Consumer loans
Performing		343,736			278,755			196,273			119,923			50,930			37,007			0		1,026,624
Nonperforming		50			292			181			100			21			6			0		650
Total consumer loans	$	343,786		$	279,047		$	196,454		$	120,023		$	50,951		$	37,013		$	0	$	1,027,274

Total consumer loans year-to-date gross charge-offs	$	(83	)	$	(1,217	)	$	(2,952	)	$	(1,735	)	$	(473	)	$	(293	)	$	0	$	(6,753	)

Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024
(in thousands)	2024			2023			2022			2021			2020			Prior			Revolving Loans		Total
Home equity lines
Performing	$	0		$	0		$	0		$	0		$	0		$	7,121		$	159,656	$	166,777
Nonperforming		0			0			0			0			0			362			286		648
Total home equity lines		0			0			0			0			0			7,483			159,942		167,425

Home equity lines year-to-date gross charge-offs		0			0			0			0			0			(80	)		0		(80	)

Mortgage loans
Performing		197,756			192,959			140,265			146,391			107,009			250,201			0		1,034,581
Nonperforming		0			1,074			1,424			250			279			5,793			0		8,820
Total mortgage loans		197,756			194,033			141,689			146,641			107,288			255,994			0		1,043,401

Mortgage loans year-to-date gross charge-offs		0			0			(28	)		0			0			(97	)		0		(125	)

Residential loans
Performing		197,756			192,959			140,265			146,391			107,009			257,322			159,656		1,201,358
Nonperforming		0			1,074			1,424			250			279			6,155			286		9,468
Total residential loans	$	197,756		$	194,033		$	141,689		$	146,641		$	107,288		$	263,477		$	159,942	$	1,210,826

Total residential loans year-to-date gross charge-offs	$	0		$	0		$	0		$	(28	)	$	0		$	(177	)	$	0	$	(205	)

Consumer direct loans
Performing	$	54,745		$	35,179		$	21,456		$	17,509		$	9,839		$	13,846		$	0	$	152,574
Nonperforming		7			72			190			0			0			0			0		269
Total consumer direct loans		54,752			35,251			21,646			17,509			9,839			13,846			0		152,843

Consumer direct loans year-to-date gross charge-offs		(41	)		(314	)		(690	)		(85	)		(29	)		(61	)		0		(1,220	)

Consumer indirect loans
Performing		333,945			243,247			162,051			65,032			34,870			10,382			0		849,527
Nonperforming		117			324			218			63			40			0			0		762
Total consumer indirect loans		334,062			243,571			162,269			65,095			34,910			10,382			0		850,289

Consumer indirect loans year-to-date gross charge-offs		(363	)		(2,760	)		(2,609	)		(1,385	)		(236	)		(249	)		0		(7,602	)

Consumer loans
Performing		388,690			278,426			183,507			82,541			44,709			24,228			0		1,002,101
Nonperforming		124			396			408			63			40			0			0		1,031
Total consumer loans	$	388,814		$	278,822		$	183,915		$	82,604		$	44,749		$	24,228		$	0	$	1,003,132

Total consumer loans year-to-date gross charge-offs	$	(404	)	$	(3,074	)	$	(3,299	)	$	(1,470	)	$	(265	)	$	(310	)	$	0	$	(8,822	)

The total of consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process was $1.7 million at September 30, 2025 and $4.0 million at December 31, 2024.

Individually Evaluated Loans

If a loan does not share risk characteristics with other pooled loans in determining the ACL, the loan is 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, 2025
(in thousands)	Number of Loans		Recorded Investment		Specific Reserve
Hotel/motel		1	$	3,519	$	0
Commercial real estate residential		1		1,521		0
Commercial real estate nonresidential		8		26,286		1,075
Commercial other		4		20,462		0
Total collateral dependent loans		14	$	51,788	$	1,075

	December 31, 2024
(in thousands)	Number of Loans		Recorded Investment		Specific Reserve
Hotel/motel		2	$	5,555	$	0
Commercial real estate residential		0		0		0
Commercial real estate nonresidential		8		27,087		325
Commercial other		3		12,963		0
Total collateral dependent loans		13	$	45,605	$	325

Based on the quarterly evaluation of losses for these credits, the combined amount of expected loss is $1.1 million. This expected loss is tied to four unrelated loans that demonstrate a shortfall in collateral which is insufficient to repay the principal balance of the loans in the event of a liquidation of the collateral and after estimated selling costs. All other evaluated credits show sufficient collateral to repay the entire loan balances after estimated selling costs. The hotel/motel, commercial real estate residential, and commercial real estate nonresidential segments are all collateralized with real estate. Four loans listed in the commercial other segment at September 30, 2025 are collateralized by inventory, equipment, and accounts receivable. The dealer floorplan is collateralized with automobiles.

Loan Modifications

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 loan segment and concession granted, are presented below for the three months ended September 30, 2025:

	Amortized Cost at September 30, 2025
(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			41		0.01
Commercial real estate nonresidential		7,254		0.79			124		0.01
Dealer floorplans		0		0.00			0		0.00
Commercial other		0		0.00			169		0.05
Commercial loans		7,254		0.30			334		0.01

Real estate mortgage		435		0.04			2,780		0.24
Home equity lines		47		0.03			0		0.00
Residential loans		482		0.04			2,780		0.21

Consumer direct		0		0.00			0		0.00
Consumer indirect		0		0.00			302		0.03
Consumer loans		0		0.00			302		0.03

Loans and lease financing	$	7,736		0.16	%	$	3,416		0.07	%

	Amortized Cost at September 30, 2025
(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			121		0.02
Commercial real estate nonresidential		242		0.03			0		0.00
Dealer floorplans		0		0.00			0		0.00
Commercial other		0		0.00			65		0.02
Commercial loans		242		0.01			186		0.01

Real estate mortgage		108		0.01			0		0.00
Home equity lines		95		0.05			0		0.00
Residential loans		203		0.02			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	$	445		0.01	%	$	186		0.00	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2025:

Loan Type	Interest Rate Reduction Financial Impact	Term Extension Financial Impact
Commercial real estate residential		Added a weighted-average 0.3 years to life of the loans

Commercial real estate nonresidential	Reduced weighted-average contractual interest rate from 7.5% to 2.0%	Added a weighted-average 20.2 years to life of the loans

Commercial other		Added a weighted-average 0.3 years to life of the loans

Real estate mortgage	Reduced weighted-average contractual interest rate from 7.2% to 3.7%	Added a weighted-average 0.4 years to life of the loans

Home equity lines	Reduced weighted-average contractual interest rate from 8.9% to 7.5%

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
Commercial real estate residential		Provided payment changes that will be added to the end of the original loan term

Commercial real estate nonresidential	Reduced weighted-average contractual interest rate from 6.5% to 4.5% and increased the weighted-average life by 0.5 years

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 5.4% to 3.0% and increased the weighted-average life by 6.5 years

Home Equity Lines	Reduced weighted-average contractual interest rate from 8.7% to 7.5% and increased the weighted-average life by 9.0 years

Consumer indirect

These loans, segregated by loan segment and concession granted, are presented below for the nine months ended September 30, 2025:

	Amortized Cost at September 30, 2025
(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			340		0.06
Commercial real estate nonresidential		7,381		0.80			2,616		0.28
Dealer floorplans		0		0.00			0		0.00
Commercial other		0		0.00			1,362		0.37
Commercial loans		7,381		0.30			4,318		0.18

Real estate mortgage		807		0.07			7,717		0.67
Home equity lines		47		0.03			320		0.17
Residential loans		854		0.06			8,037		0.60

Consumer direct		0		0.00			216		0.14
Consumer indirect		0		0.00			575		0.07
Consumer loans		0		0.00			791		0.08

Loans and lease financing	$	8,235		0.17	%	$	13,146		0.27	%

	Amortized Cost at September 30, 2025
(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		1,065		0.19			121		0.02
Commercial real estate nonresidential		242		0.03			348		0.04
Dealer floorplans		0		0.00			0		0.00
Commercial other		378		0.10			460		0.12
Commercial loans		1,685		0.07			929		0.04

Real estate mortgage		717		0.06			35		0.00
Home equity lines		142		0.08			0		0.00
Residential loans		859		0.06			35		0.00

Consumer direct		0		0.00			0		0.00
Consumer indirect		0		0.00			149		0.02
Consumer loans		0		0.00			149		0.01

Loans and lease financing	$	2,544		0.05	%	$	1,113		0.02	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2025:

Loan Type	Interest Rate Reduction Financial Impact	Term Extension Financial Impact
Commercial real estate residential		Added a weighted-average 0.9 years to life of the loans

Commercial real estate nonresidential	Reduced weighted-average contractual interest rate from 7.5% to 2.1%	Added a weighted-average 1.4 years to life of the loans

Commercial other		Added a weighted-average 3.8 years to life of the loans

Real estate mortgage	Reduced weighted-average contractual interest rate from 7.5% to 4.0%	Added a weighted-average 0.4 years to life of the loans

Home equity lines	Reduced weighted-average contractual interest rate from 8.9% to 7.5%	Added a weighted-average 2.9 years to life of the loans

Consumer direct		Added a weighted-average 0.3 years to life of the loans

Consumer indirect		Added a weighted-average 1.0 years to life of the loans

Loan Type	Combination – Term Extension and Interest Rate Reduction Financial Impact	Payment Changes Financial Impact
Commercial real estate residential	Reduced weighted-average contractual interest rate from 9.3% to 8.1% and increased the weighted-average life by 15.9 years	Provided payment changes that will be added to the end of the original loan term

Commercial real estate nonresidential	Reduced weighted-average contractual interest rate from 6.5% to 4.5% and increased the weighted-average life by 0.5 years	Provided payment changes that will be added to the end of the original loan term

Commercial other	Increased weighted-average contractual interest rate from 7.0% to 8.0% and increased the weighted-average life by 5.6 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 5.3% to 3.6% and increased the weighted-average life by 5.5 years	Provided payment changes that will be added to the end of the original loan term

Home equity lines	Reduced weighted-average contractual interest rate from 8.3% to 7.5% and increased the weighted-average life by 7.5 years

Consumer indirect		Provided payment changes that will be added to the end of the original loan term

These loans, segregated by class of loans and concessions granted, are presented below for the three months ended September 30, 2024:

	Amortized Cost at September 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			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			345		0.10
Commercial loans		0		0.00			345		0.02

Real estate mortgage		183		0.02			2,030		0.20
Home equity lines		0		0.00			0		0.00
Residential loans		183		0.02			2,030		0.17

Consumer direct		0		0.00			71		0.05
Consumer indirect		0		0.00			0		0.00
Consumer loans		0		0.00			71		0.01

Loans and lease financing	$	183		0.00	%	$	2,446		0.06	%

	Amortized Cost at September 30, 2024
(in thousands)	Combination – Term Extension and Interest Rate Reduction		% of total			Payment Change		% of total
Hotel/motel	$	0		0.00	%	$	1,954		0.43	%
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		164		0.05			195		0.06
Commercial loans		164		0.01			2,149		0.10

Real estate mortgage		258		0.03			0		0.00
Home equity lines		32		0.02			0		0.00
Residential loans		290		0.02			0		0.00

Consumer direct		0		0.00			1		0.00
Consumer indirect		0		0.00			9		0.00
Consumer loans		0		0.00			10		0.00

Loans and lease financing	$	454		0.01	%	$	2,159		0.05	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2024:

Loan Type	Interest Rate Reduction Financial Impact	Term Extension Financial Impact
Hotel/motel

Commercial real estate residential

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 6.2% to 3.3%	Added a weighted-average 1.4 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

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

Commercial real estate nonresidential

Dealer floorplans

Commercial other	Increased weighted-average contractual interest rate from 4.0% to 8.5% and increased the weighted-average life by 15.0 years	Provided payment changes that will be added to the end of the original loan term

Real estate mortgage	Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 20.0 years

Home equity lines	Reduced weighted-average contractual interest rate from 5.4% to 3.0% and increased the weighted-average life by 1.4 years

Consumer direct		Provided payment changes that will be added to the end of the original loan term

Consumer indirect		Provided payment changes that will be added to the end of the original loan term

Those loans, segregated by class of loans and concession granted, are presented below for the nine months ended September 30, 2024:

	Amortized Cost at September 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			78		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			937		0.26
Commercial loans		0		0.00			1,015		0.05

Real estate mortgage		1,020		0.10			7,125		0.71
Home equity lines		0		0.00			31		0.02
Residential loans		1,020		0.09			7,156		0.61

Consumer direct		0		0.00			103		0.07
Consumer indirect		0		0.00			279		0.03
Consumer loans		0		0.00			382		0.04

Loans and lease financing	$	1,020		0.02	%	$	8,553		0.20	%

	Amortized Cost at September 30, 2024
(in thousands)	Combination – Term Extension and Interest Rate Reduction		% of total			Payment Change		% of total
Hotel/motel	$	0		0.00	%	$	1,954		0.43	%
Commercial real estate residential		13		0.00			206		0.04
Commercial real estate nonresidential		27		0.00			0		0.00
Dealer floorplans		0		0.00			0		0.00
Commercial other		174		0.05			934		0.26
Commercial loans		214		0.01			3,094		0.14

Real estate mortgage		590		0.06			0		0.00
Home equity lines		112		0.07			0		0.00
Residential loans		702		0.06			0		0.00

Consumer direct		0		0.00			1		0.00
Consumer indirect		0		0.00			64		0.01
Consumer loans		0		0.00			65		0.01

Loans and lease financing	$	916		0.02	%	$	3,159		0.07	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 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 7.8% to 4.7%	Added a weighted-average 0.8 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

Dealer floorplans

Commercial other	Increased weighted-average contractual interest rate from 4.3% to 8.5% 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

Real estate mortgage	Reduced weighted-average contractual interest rate from 5.6% to 4.2% and increased the weighted-average life by 4.3 years

Home equity lines	Reduced weighted-average contractual interest rate from 9.3% to 8.6% and increased the weighted-average life by 13.1 years

Consumer direct		Provided payment changes that will be added to the end of the original loan term

Consumer indirect		Provided payment changes that will be added to the end of the original loan term

Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual, and if a loan is on accrual at the time of the modification, it generally stays on accrual. Commercial and consumer loans modified due to a borrower’s financial difficulty are closely monitored for delinquency as an early indicator of possible future default. If a loan to a borrower experiencing financial difficulty subsequently defaults, CTBI evaluates the loan for possible further impairment. The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of September 30, 2025.

	Past Due Status (Amortized Cost Basis)
(in thousands)	Current			30-89 Days		90+ Days	Nonaccrual
Hotel/motel	$	834	$	0	$	0	$	0
Commercial real estate residential		1,807		0		0		602
Commercial real estate nonresidential		10,874		109		0		0
Dealer floorplans		279		0		0		0
Commercial other		2,143		545		314		24
Real estate mortgage		10,168		1,062		728		216
Home equity lines		170		245		0		166
Consumer direct		231		0		0		0
Consumer indirect		873		28		0		0
Loans to borrowers experiencing financial difficulty	$	27,379	$	1,989	$	1,042	$	1,008

The 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 September 30, 2025, there were eleven 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 segment, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within 12 months of the loan modification.

	Three Months Ended September 30, 2025
(in thousands)	Number of Loans		Recorded Balance
Commercial:
Commercial other		2	$	219
Residential:
Real estate mortgage		8		845
Home equity lines		1		23
Loans to borrowers experiencing financial difficulty		11	$	1,087

	Nine Months Ended September 30, 2025
(in thousands)	Number of Loans		Recorded Balance
Commercial:
Commercial other		3	$	314
Residential:
Real estate mortgage		12		1,075
Home equity lines		1		23
Loans to borrowers experiencing financial difficulty		16	$	1,412

	Three Months Ended September 30, 2024
(in thousands)	Number of Loans		Recorded Balance
Real estate mortgage		5	$	467
Total loans experiencing financial difficulty		5	$	467

	Nine Months Ended September 30, 2024
(in thousands)	Number of Loans		Recorded Balance
Commercial real estate residential		1	$	237
Commercial other		4		316
Real estate mortgage		8		1,263
Total loans experiencing financial difficulty		13	$	1,816

Financial instrument credit losses apply to off-balance sheet credit exposures such as unfunded loan commitments and standby letters of credit. A liability for expected credit losses for off-balance sheet exposures is recognized if the entity has a present contractual obligation to extend the credit and the obligation is not unconditionally cancellable by the entity. Changes in this allowance are reflected in provision expense. The total unfunded commitment off-balance sheet credit exposure at September 30, 2025 and 2024 is presented below:

	Three Months Ended September 30, 2025
(in thousands)	Beginning Balance			Provision Charged to Expense				Losses Charged Off			Recoveries			Ending Balance
ACL for unfunded commitments:
Commercial		$	899		$	(77	)		$	0		$	0		$	822
Real estate mortgage			420			(115	)			0			0			305
Consumer			23			0				0			0			23
Total unfunded commitment off-balance sheet credit exposure		$	1,342		$	(192	)		$	0		$	0		$	1,150

	Nine Months Ended September 30, 2025
(in thousands)	Beginning Balance			Provision Charged to Expense				Losses Charged Off			Recoveries			Ending Balance
ACL for unfunded commitments:
Commercial		$	1,071		$	(249	)		$	0		$	0		$	822
Real estate mortgage			372			(67	)			0			0			305
Consumer			22			1				0			0			23
Total unfunded commitment off-balance sheet credit exposure		$	1,465		$	(315	)		$	0		$	0		$	1,150

	Three Months Ended September 30, 2024
(in thousands)	Beginning Balance			Provision Charged to Expense			Losses Charged Off			Recoveries			Ending Balance
ACL for unfunded commitments:
Commercial		$	1,071		$	0		$	0		$	0		$	1,071
Real estate mortgage			372			0			0			0			372
Consumer			22			0			0			0			22
Total unfunded commitment off-balance sheet credit exposure		$	1,465		$	0		$	0		$	0		$	1,465

	Nine Months Ended September 30, 2024
(in thousands)	Beginning Balance			Provision Charged to Expense			Losses Charged Off			Recoveries			Ending Balance
ACL for unfunded commitments:
Commercial		$	1,071		$	0		$	0		$	0		$	1,071
Real estate mortgage			372			0			0			0			372
Consumer			22			0			0			0			22
Total unfunded commitment off-balance sheet credit exposure		$	1,465		$	0		$	0		$	0		$	1,465