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Loans (Tables)
 3 Months Ended
Mar. 31, 2013
Loans [Abstract]  
Summary of major classification of loans net of unearned income and deferred loan origination cost
Major classifications of loans, net of unearned income and deferred loan origination costs, are summarized as follows:

 
(in thousands)
 
March 31
2013
  
December 31
2012
 
Commercial construction
 $102,303  $119,447 
Commercial secured by real estate
  847,807   807,213 
Equipment lease financing
  9,944   9,246 
Commercial other
  375,409   376,348 
Real estate construction
  51,978   55,041 
Real estate mortgage
  696,321   696,928 
Home equity
  79,899   82,292 
Consumer direct
  119,191   122,581 
Consumer indirect
  280,462   281,477 
Total loans
 $2,563,314  $2,550,573 
 
Nonaccrual loans segregated by class of loans
Refer to note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Nonaccrual loans segregated by class of loans were as follows:

(in thousands)
March 31
2013
December 31
2012
Commercial:
   
Commercial construction
$6,196
$5,955
Commercial secured by real estate
6,256
5,572
Commercial other
1,344
1,655
     
Residential:
   
Real estate construction
635
315
Real estate mortgage
3,763
3,153
Home equity
143
141
Total nonaccrual loans
$18,337
$16,791
Bank's loan portfolio aging analysis, segregated by class
The following tables present CTBI's loan portfolio aging analysis, segregated by class, as of March 31, 2013 and December 31, 2012:

   
March 31, 2013
 
(in thousands)
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90+ Days Past Due
  
Total Past Due
  
Current
  
Total Loans
  
90+ and Accruing*
 
Commercial:
                     
Commercial construction
 $617  $16  $8,599  $9,232  $93,071  $102,303  $2,532 
Commercial secured by real estate
  6,619   7,111   9,129   22,859   824,948   847,807   4,475 
Equipment lease financing
  0   0   0   0   9,944   9,944   0 
Commercial other
  1,776   1,398   5,101   8,275   367,134   375,409   3,827 
Residential:
                            
Real estate construction
  195   272   866   1,333   50,645   51,978   232 
Real estate mortgage
  1,822   2,394   6,698   10,914   685,407   696,321   3,635 
Home equity
  1,118   119   497   1,734   78,165   79,899   374 
Consumer:
                            
Consumer direct
  851   247   79   1,177   118,014   119,191   79 
Consumer indirect
  1,860   546   379   2,785   277,677   280,462   379 
Total
 $14,858  $12,103  $31,348  $58,309  $2,505,005  $2,563,314  $15,533 
 
   
December 31, 2012
 
(in thousands)
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90+ Days Past Due
  
Total Past Due
  
Current
  
Total Loans
  
90+ and Accruing*
 
Commercial:
                     
Commercial construction
 $1,413  $312  $9,598  $11,323  $108,124  $119,447  $3,778 
Commercial secured by real estate
  9,733   1,633   10,456   21,822   785,391   807,213   5,943 
Equipment lease financing
  0   0   0   0   9,246   9,246   0 
Commercial other
  259   1,142   5,164   6,565   369,783   376,348   3,867 
Residential:
                            
Real estate construction
  248   572   511   1,331   53,710   55,041   196 
Real estate mortgage
  2,765   4,029   7,138   13,932   682,996   696,928   4,511 
Home equity
  921   102   565   1,588   80,704   82,292   441 
Consumer:
                            
Consumer direct
  1,360   336   98   1,794   120,787   122,581   98 
Consumer indirect
  2,772   907   381   4,060   277,417   281,477   381 
Total
 $19,471  $9,033  $33,911  $62,415  $2,488,158  $2,550,573  $19,215 

*90+ and Accruing are also included in 90+ Days Past Due column.
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, as of March 31, 2013 and December 31, 2012:

(in thousands)
 
Commercial Construction
  
Commercial Secured by Real Estate
  
Equipment Leases
  
Commercial Other
  
Total
 
March 31, 2013
               
Pass
 $74,898  $704,073  $9,944  $327,158  $1,116,073 
Watch
  14,142   85,439   0   29,830   129,411 
OAEM
  56   13,769   0   974   14,799 
Substandard
  7,011   39,387   0   16,336   62,734 
Doubtful
  6,196   5,139   0   1,111   12,446 
Total
 $102,303  $847,807  $9,944  $375,409  $1,335,463 
                      
December 31, 2012
                    
Pass
 $92,140  $665,764  $9,246  $328,646  $1,095,796 
Watch
  12,915   79,517   0   28,760   121,192 
OAEM
  1,054   16,532   0   2,816   20,402 
Substandard
  7,383   40,021   0   14,878   62,282 
Doubtful
  5,955   5,379   0   1,248   12,582 
Total
 $119,447  $807,213  $9,246  $376,348  $1,312,254 
 
Credit risk profile of residential real estate and consumer loan portfolio based on performing and nonperforming status segregated by class [Table Text Block]
The following tables present the credit risk profile of the CTBI's residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class, as of March 31, 2013 and December 31, 2012:

(in thousands)
 
Real Estate Construction
  
Real Estate Mortgage
  
Home Equity
  
Consumer Direct
  
Consumer
Indirect
  
Total
 
March 31, 2013
                  
Performing
 $51,111  $688,923  $79,382  $119,112  $280,083  $1,218,611 
Nonperforming (1)
  867   7,398   517   79   379   9,240 
Total
 $51,978  $696,321  $79,899  $119,191  $280,462  $1,227,851 
                          
December 31, 2012
                        
Performing
 $54,530  $689,264  $81,710  $122,483  $281,096  $1,229,083 
Nonperforming (1)
  511   7,664   582   98   381   9,236 
Total
 $55,041  $696,928  $82,292  $122,581  $281,477  $1,238,319 

(1) A loan is considered nonperforming if it is 90 days or more past due and/or on nonaccrual.
 
Impaired loans, average investment in impaired loans, and interest income recognized on impaired loans
The following table presents impaired loans, the average investment in impaired loans, and interest income recognized on impaired loans for the periods ended March 31, 2013, December 31, 2012, and March 31, 2012:

   
March 31, 2013
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
               
Commercial construction
 $5,155  $5,609  $0  $5,225  $74 
Commercial secured by real estate
  33,765   34,586   0   33,908   297 
Commercial other
  15,779   17,920   0   15,435   154 
Real estate mortgage
  657   657   0   658   7 
                      
Loans with a specific valuation allowance:
                    
Commercial construction
  6,073   7,303   1,911   6,075   0 
Commercial secured by real estate
  4,158   4,276   1,192   4,166   0 
Commercial other
  867   2,188   322   868   0 
                      
Totals:
                    
Commercial construction
  11,228   12,912   1,911   11,300   74 
Commercial secured by real estate
  37,923   38,862   1,192   38,074   297 
Commercial other
  16,646   20,108   322   16,303   154 
Real estate mortgage
  657   657   0   658   7 
Total
 $66,454  $72,539  $3,425  $66,335  $532 

   
December 31, 2012
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
               
Commercial construction
 $3,692  $4,146  $0  $4,249  $97 
Commercial secured by real estate
  35,046   35,818   0   35,542   1,337 
Commercial other
  13,285   15,484   0   11,083   416 
Real estate mortgage
  695   695   0   481   30 
                      
Loans with a specific valuation allowance:
                    
Commercial construction
  5,703   6,933   1,820   6,585   0 
Commercial secured by real estate
  3,067   3,189   1,090   3,243   0 
Commercial other
  1,010   2,331   338   1,441   0 
                      
Totals:
                    
Commercial construction
  9,395   11,079   1,820   10,834   97 
Commercial secured by real estate
  38,113   39,007   1,090   38,785   1,337 
Commercial other
  14,295   17,815   338   12,524   416 
Real estate mortgage
  695   695   0   481   30 
Total
 $62,498  $68,596  $3,248  $62,624  $1,880 
 
   
March 31, 2012
 
(in thousands)
 
Recorded Balance
  
Unpaid Contractual Principal Balance
  
Specific Allowance
  
Average Investment in Impaired Loans
  
*Interest Income Recognized
 
Loans without a specific valuation allowance:
               
Commercial construction
 $4,594  $4,595  $0  $4,683  $18 
Commercial secured by real estate
  36,312   37,778   0   36,506   332 
Commercial other
  6,696   7,406   0   6,785   16 
Real estate mortgage
  279   279   0   280   3 
                      
Loans with a specific valuation allowance:
                    
Commercial construction
  5,912   6,764   2,180   5,809   0 
Commercial secured by real estate
  3,382   3,508   1,246   3,385   0 
Commercial other
  2,791   5,391   1,104   2,829   0 
                      
Totals:
                    
Commercial construction
  10,506   11,359   2,180   10,492   18 
Commercial secured by real estate
  39,694   41,286   1,246   39,891   332 
Commercial other
  9,487   12,797   1,104   9,614   16 
Real estate mortgage
  279   279   0   280   3 
Total
 $59,966  $65,721  $4,530  $60,277  $369 

*Cash basis interest is substantially the same as interest income recognized.
Troubled debt restructuring
During 2013, certain loans were modified in troubled debt restructurings, where economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the three months ended March 31, 2013 and 2012 and the year ended December 31, 2012:

   
Three Months Ended March 31, 2013
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
  
Net Charge-offs Resulting from Modification
 
Commercial:
         
Commercial construction
  3  $2,110  $0 
Commercial secured by real estate
  5   605   0 
Commercial other
  9   5,585   0 
Total troubled debt restructurings
  17  $8,300  $0 

   
Year Ended December 31, 2012
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
  
Net Charge-offs Resulting from Modification
 
Commercial:
         
Commercial construction
  5  $557  $0 
Commercial secured by real estate
  11   4,506   0 
Commercial other
  23   3,233   0 
Residential:
            
Real estate mortgage
  1   391   0 
Total troubled debt restructurings
  40  $8,687  $0 

   
Three Months Ended March 31, 2012
 
(in thousands)
 
Number of Loans
  
Post-Modification Outstanding Balance
  
Net Charge-offs Resulting from Modification
 
Commercial:
         
Commercial construction
  0  $0  $0 
Commercial secured by real estate
  3   1,665   0 
Commercial other
  1   48   0 
Total troubled debt restructurings
  4  $1,713  $0 
 
Summary of defaulted restructured loans
Loans retain their accrual status at the time of their modification. As a result, if a loan is on nonaccrual at the time it is modified, it stays as nonaccrual, and if a loan is on accrual at the time of the modification, it generally stays on accrual. Commercial and consumer loans modified in a troubled debt restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a troubled debt restructuring subsequently default, CTBI evaluates the loan for possible further impairment. The allowance for loan losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. Presented below, segregated by class of loans, are loans that were modified as troubled debt restructurings which have subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual.

(in thousands)
 
Three Months Ended
March 31, 2013
 
   
Number of Loans
  
Recorded Balance
 
Commercial:
      
Commercial construction
  2  $328 
Commercial secured by real estate
  2   662 
Commercial other
  1   12 
Total defaulted restructured loans
  5  $1,002 

(in thousands)
 
Three Months Ended
March 31, 2012
 
   
Number of Loans
  
Recorded Balance
 
Commercial:
      
Commercial construction
  0  $0 
Commercial secured by real estate
  3   370 
Commercial other
  2   32 
Total defaulted restructured loans
  5  $402